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RESP tips

Registered Education Savings Plans (RESPs) – for college and university
Source: Ontario Securities Commission

Before choosing a Registered Education Savings Plan (RESP), it’s important to understand what happens if you miss a payment, terminate your plan, or transfer the RESP between plans or beneficiaries.

Read the prospectus carefully: If you don’t understand it, don’t invest. For Scholarship Trust Plans, you have 60 days to cancel after reading the prospectus—at no cost to you.
Understand compensation: Know how salespeople are paid and where those payments come from.
Be aware of fees: Understand what fees you’re expected to pay, and when they apply.
Get it in writing: Don’t make investment decisions based on verbal promises.
Verify credentials: Check the registration and qualifications of your investment representative.
Take your time: Don’t be pressured by aggressive marketing. Do your research before committing.
Know what qualifies: Review the rules on which types of post-secondary education are eligible under your RESP.
Assess management fees: Consider the effort behind the fees. If investments are in simple instruments like GICs or T-Bills, the fees should be relatively low.

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My Shortlist

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RESP tips

Series: Paying School Tuition

Find Private Schools:

In the spotlight

Designing education around the student

Why long-term academic planning matters before high school

Developing strong, confident thinkers through the power of writing

Shaping learning, confidence, and character from the earliest years

Helping students discover their best fit

St. Clement’s Junior School: A community rooted in curiosity, connection, and care

Start here: Five steps to finding the perfect school.

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