加拿大的网友要警惕一些RESP的骗局

momoe

我就被CST骗了1200元，刚来的朋友一定要谨慎

小川的爹

这样善意的提醒非常好！
移民，尤其是新移民，往往对基金公司的英文版的条款不甚了解，而听信介绍人的口头介绍，稀里糊涂地去购买诸如RESP或RRSP等等的基金，到头来非常懊悔。
建议加拿大各级政府应该切实保障投资人的各项权益，包括应该提供经过政府认可的、适合投资人母语版本的投资说明书，防止诈骗的发生。

Apollo

非常赞同!,应发更多这样的好文章,告诉大家不要受骗.

zhihong

SUPERFAN

切记，没有天上掉下来的...

和者盖寡

到政府的网站上去搞清楚。小孩不继续上大学400钱要退回（仍有其它补救方案），还要交税。

http://www.hrsdc.gc.ca/eng/learn ... s/public/resp.shtml
Benefits of Having an RESP – Save Early, Earn More

With the help of an RESP you, as a parent, friend or family member, can start putting aside money for a child’s post-secondary education. Your contributions can grow surprisingly quickly when you use this special savings account, as the Government of Canada offers the Canada Education Savings Grant and the Canada Learning Bond exclusively to RESP

http://www.canlearn.ca/eng/saving/resp/nce.shtml
What happens to the money in an RESP if my child does not continue education after high school?

    * Wait a while—your child may decide to continue studying later. RESP accounts can remain open for up to 36 years.
    * Transfer the money to a brother or sister’s RESP.
    * Transfer the money to a Registered Retirement Savings Plan to help you save for retirement.
    * Any money from the Canada Education Savings Grant must be returned to the Government of Canada or, under certain conditions, may be used for a brother or sister’s education.
    * Money from a Canada Learning Bond must be returned to the Government of Canada. The Canada Learning Bond cannot be used by another child.
    * Withdraw your contribution tax-free. Your RESP Provider can give you more details, and explain any conditions that apply to your RESP plan when your child does not continue education after high school.
    * When you close your RESP because your child has decided not to continue education after high school, you will have to pay taxes on the money that your investment earned while it was in the RESP. You may be able to reduce the taxes owing by transferring your Accumulated Income Payment to a Registered Retirement Savings Plan.

注:本人现在不是经纪。