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  • Account Types
  • RESP: Registered education savings plan

RESP: Registered education savings plan

RESP: Registered education savings plan

A great way to save for your children’s or grandchildren’s post-secondary education.

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  • $750

    Maximum annual federal (CESG) and provincial (QESI) government grants

  • $2,500

    Annual contribution per child required to receive the maximum annual grants

  • 30%

    Get up to 30% of your contributions in grants*

  • RESP at a glance RESP at a glance
  • CESG grant CESG grant
  • QESI incentive QESI incentive
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RESP: The smart way to invest in children’s education

RESP: The smart way to invest in children’s education

An RESP allows you to set aside and grow money tax-free until a child starts post-secondary education and receive matching government grants, which will give you at least a 30% return on your investment. It’s a great way to give a leg up to your children or grandchildren!

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Contribute $2,500 each year to receive the maximum $750 annual grant per child.

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RESP at a glance

RESP at a glance
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Contribute

Contribute $2,500 each year to receive the maximum annual grant per child.

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Receiving grants

In Québec, the grant amount is capped at $750 per child per year, with a lifetime limit of $10,800.

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Play catch-up

If you fall behind on your RESP contributions, you can play catch-up by doubling your contributions to $5,000 per year.

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Withdraw money from the RESP

When your child begins post-secondary education, he will be able to withdraw amounts from his RESP each year.

grant
Canada education savings grant (CESG)

CESG is equal to 20% of annual contributions, up to $500, with a lifetime limit of $7,200. Each year, you can use up to $1,000 in unused grant room from a previous year.

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Québec education savings incentive (QESI)

Québec residents can receive an additional grant that is equal to 10% of annual contributions, up to $250, with a lifetime limit of $3,600.

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Need advice on your investments?

To invest in a Fund or find out if it is suitable for your investor profile, contact FÉRIQUE Investment Services, the principal distributor of the FÉRIQUE Funds.

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Opening an RESP

Opening an RESP
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Need advice?

You can count on our Advisory team’s sound and objective advice to assess your needs or financial goals and ensure you are using the right investment strategies to do so.

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Three ways to open an account

Open an account online whenever you want, on the phone or by appointment with a member of our Advisory team.

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Your first contribution

Open a TFSA with a $500 initial investment or by setting up a pre-authorized contribution plan for $50 each month.

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Invest in mutual funds

Invest in mutual funds

FÉRIQUE Funds and Portfolios provide you with a range of investment opportunities to help you reach your goals and complete your projects. You will find products suited for every investor profile.

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FÉRIQUE Portfolios

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A responsible investing approach focused on the long term that underpins the entire line of FÉRIQUE Funds and Portfolios.

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Learn more about RESP

Learn more about RESP
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    The ABCs of RESP withdrawals
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    Read more: (The ABCs of RESP withdrawals)
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    Investments & Savings
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    An RESP can help secure the future of your descendants
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    Read more: (An RESP can help secure the future of your descendants)
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    Stock markets and the economy
    7 mins
    How key interest rate increases will impact your investments
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    Read more: (How key interest rate increases will impact your investments)
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    Responsible Investment
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* RESP contributions are eligible for a federal grant (Canada education savings grant – CESG) equal to 20% of annual contributions, up to $500, with a lifetime limit of $7,200. Québec residents can also receive a provincial grant (Québec education savings incentive – QESI) equal to 10% of annual contributions, up to $250, with a lifetime limit of $3,600.

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FÉRIQUE Fund Management and FÉRIQUE Investment Services are non-profit organizations that work in your sole interest. Our mission: to accelerate the financial autonomy of engineering professionals in Quebec.

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