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註冊教育儲蓄計劃 (RESP)

 

RESPs can be a great way to save for a child's post-secondary education. The money invested in an RESP can grow tax-deferred until the time of withdrawal, and the best part is that the government can contribute up to $7,200 directly to a child's RESP.

Benefits of an RESP

  • 延稅增長潛力

    RESP earnings are tax-deferred. When withdrawn, the earnings are taxed as income to the child, who may pay little to no taxes as a student.

  • 學費及其他

    RESPs can be used for items related to obtaining a post-secondary education, including tuition, textbooks, rent and transportation.

  • 朋友和家人可以供款

    朋友和家人可以開設RESP來幫助您為子女的教育儲蓄。 詳細了解個人與 家庭計劃的比較

如何使用RESP？

  1. You contribute money into a child's RESP.然後，政府將為每年最初$2,500供款額外供款20%，每年最多$500。 That can add up to $7,200 over the lifetime of the RESP, per child, in grant money through the Canada Education Savings Grant (CESG).您也可能合資格獲得加拿大學習債券 (CLB) 和額外的省級補助津貼。

  2. 您可以設置個人或家庭RESP。個人計劃針對一位子女，而家庭計劃中的儲蓄則由多名子女共享。 了解更多有關家庭與個人RESP之間的區別。

  3. 對年度供款或您可以擁有的RESP數量不設任何供款限額。 Keep in mind that the lifetime contribution limit is $50,000 per child and you could make RESP contributions for up to 31 years. 詳細了解有關供款限額。

RESP Accounts that align with your goals

TD提供多種RESP方案，旨在滿足您的特定需求。 Talk to a TD Personal Banker to find the right option for you.

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註冊教育儲蓄計劃計算機

使用我們的註冊教育儲蓄計劃計算器了解您可能需要為子女的教育累積多少儲蓄，以及註冊教育儲蓄計劃如何幫助您實現儲蓄目標。

立即計算

常見問答

There are a variety of investment options to choose from based on your financial goals. A TD RESP could hold mutual funds, GICs, ETFs, stocks and bonds. The best part is that you could grow your money and defer the taxes in a RESP.

TD Bank does not provide tax advice. You should consult your tax advisor for questions related to your individual tax situation.

The lifetime contribution limit per child is $50,000, but there is no annual contribution limit. You have 31 years to contribute to an RESP, and the plan can remain open for a maximum of 35 years.

If you over contribute to an RESP there will be tax implications. An RESP over contribution is when you exceed the $50,000 lifetime limit per child. If you over contribute, you will have to pay 1% per month in taxes on the share of the excess contribution that is not withdrawn by the end of the month. You have 90 days after the end of the year to pay the tax. Payments from the CESG or any Provincial Education Savings Programs do not count as contributions. TD Bank does not provide tax advice, and you should consult your tax advisor regarding your individual tax situation.

The RESP is designed for funding a child's post-secondary education. However, you could withdraw your funds from an RESP any time, but keep in mind that there may be tax implications. You should consult your tax advisor for questions related to your individual tax situation.

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