The RESP is designed to encourage individuals to accumulate savings for the post-secondary education of beneficiaries (children or grandchildren). The RESP offers significant incentives:

  • Earnings on RESP investments accumulate on a tax-sheltered basis;
  • Contributions are not deductible and are subject to limits;
  • Eligible Grants are subject to annual limits;
  • A beneficiary can have multiple RESPs;
  • You can transfer an existing RESP to another RESP of your choice.

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