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  • 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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  • RESP  
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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.

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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.

Opening an RESP

Opening an RESP
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Need advice?

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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

Turnkey investment solutions comprised of several funds that are suitable for different types of investors.

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FÉRIQUE Funds

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Responsible investment

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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    Investments & Savings
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    The ABCs of RESP withdrawals
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    Read article: (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 article: (An RESP can help secure the future of your descendants)
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    How key interest rate increases will impact your investments
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    Responsible Invesment
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    The growing importance of Responsible Investment
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    Read article: (The growing importance of Responsible Investment)

* 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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