This topic has been archived. It cannot be replied.
-
枫下沙龙 / 谈天说地 / 请教RESP问题，哪种好？昨天heritage的代理上门介绍,他们是保本的,98,99,2000年的回报都在8%以上,年管理费0.5%,会员费3900(孩子上大学时退还). 其它mutual fund都不保本,年管理费2.5-3%.有经验的大侠请进
-eglington(eglington);
2001-6-11
(#97819@0)
-
I also want know it!
-macsym(日进斗斤);
2001-6-11
(#97830@0)
-
先别着急买，一定要多看几家。他们都说自己的最好，你可以把各个公司的代理都招到你家，自己比较清楚再签合同。（注意做好笔记）
-rollor(Rollor);
2001-6-11
(#97857@0)
-
I need to get some advice from you, a guru in every field.
-eglington(eglington);
2001-6-11
(#97891@0)
-
Not in IT，Electronics，Car，Home improvement，。。。。。。。。。。
-rollor(Rollor);
2001-6-11
(#98079@0)
-
我也正在着手此事，明晚有一营业代表到我家宣讲，到时交流交流。
-firefox99(firefox99);
2001-6-11
(#98091@0)
-
when it is too good, it is too good to be true.
-wjiang(汪激昂);
2001-6-11
(#98095@0)
-
各位，我正在给一家indpendence broker co。做tele marketing,也许有你想知道的东西，给我个机会吧。(现在。。。快丢饭碗了：)：)
-sflw(sflw);
2001-6-11
(#98172@0)
-
hoho, come on! please contact me.
-eglington(eglington);
2001-6-12
(#98510@0)
-
Even before choosing a RESP fund, consider this
-rounder(rounder);
2001-6-12
{768}
(#98667@0)
-
GOOD COMMENTS。DESERVED TO ENTER FAQ。
-rollor(Rollor);
2001-6-12
(#98694@0)
-
但是据我理解，RRSP只有在65岁以后提才可以免交罚金。你65岁时，你的孩子可一点早过了大学年龄了吧？
而且第一次购房用RRSP，限制多多。
-guest:一家之见;
2001-6-12
(#98741@0)
-
Right... My approach only works for folks with little children and haven't bought first home.Point is, RESP room can be carried over. After you utilized the RRSP aided home owner plan, you can catch up with your RESP contribution. Naturally I expect myself to have saved enough for downpayment well before I turn 65. As far as I know, you can't even borrow from RRSP if it's not you first home purchase. so the limitations are something you have to deal with anyway.
-rounder(rounder);
2001-6-12
{379}
(#98790@0)
-
我想你把概念搞混了。RESP 和RRSP 是不同的， 一个是儿童教育基金，一个是退休基金。
-mike2000(peter);
2001-6-12
(#98823@0)
-
Do you mean the RESP is not worth to invest? What is exactly about membership fee? Can I get more info from you, Rounder?
-guest:Cherry;
2001-6-12
(#98801@0)
-
你讲得很有道理。RRSP将来提取时，是必须一次性取还是可以分期取？
-hearts(hearts);
2001-6-12
(#99051@0)
-
rrsp 转成rrif,可以每个月取，也可以每年取，也可以继续投资
-kinkin(颗粒);
2001-6-12
(#99092@0)
-
One other important investment for new comers: Ontario House Ownership Saving Plan (I forgot the exact name), if the total income of you and your spouse is less than $80K, buy it.
-bloor(不算太老);
2001-6-12
{772}
(#98843@0)
-
good one. I am not aware of it.
-rounder(rounder);
2001-6-12
(#98849@0)
-
I forgot to mention that you can only distribute $2000 a year a person. So, in the best case, you save $2000 a year for your house, and get $500 from government.
-bloor(不老);
2001-6-12
(#98851@0)
-
really? how can I get the information in detail? thank you!
-firefox(firefox);
2001-6-12
(#98855@0)
-
有没有什么保险经纪对你许诺说他是理财顾问？给他打个电话问问。
-rollor(Rollor);
2001-6-12
(#98856@0)
-
The easiest way is to call the representitive of your bank. Since the most you can save is 4000 (including your spouse), the interest really doesn't matter.
-bloor(不老);
2001-6-12
(#98858@0)
-
Egg, I bought RESP for my daughter from CST (Canadian Scholarship Trust Plan, check www.cstplan.com). The other biggest one is USC. Bought from the biggest one, that's my opinion.
-bloor(不老);
2001-6-12
(#98874@0)
-
everyone says he, and only he, is the biggest. what can I do?
-eglington(eglington);
2001-6-12
(#98889@0)
-
1. Let them show you some comparing charts or tables 2. Get the URL of that institution, and check their web site. Biggest ones I know are CST, USC, and one called Industrial Alliance (or something like this).My opinion, don't invest RESP in bank. To be frank, it's not a big amount of money, and don't need to spend too much effort on managing it. So, choose a large institution (like USC or CST) that are dedicated in RESP.
And, trust me, there are really little different among these biggest ones.
Pay attention to the terms on when/how you can quit, withdraw these money, and ask at least 3 agents before you buy.
-bloor(不老);
2001-6-12
{418}
(#98894@0)
-
为什么不要在bank买RESP?我觉得bank的基金也不错，我就是在TD买的，五种基金，从去年九月开始到现在收益超过10%。我觉得关键是要分散投资。要多买几个品种，按月投入，这样你的投资是phased in。千万不要集中在一个基金上而且一下子把钱砸进去。有的人为了早点拿到政府的$400，一次就放进去$2000。这在目前的市场行情下，十有八九会赔的。我的五种基金里有两个是 表现很差的，其中nasdq跌了一半还多，但由于是phased in投资，加上有两个好的，所以没有陪反赚。这真得感谢当时我找的投资顾问，要按自己的想法，总共就那么点钱，没必要分散。现在看来听顾问的话还真是做对了。
-hearts(hearts);
2001-6-12
{427}
(#99022@0)
-
管理费贵吗？听说要2.5-3%每年，那我们还挣什么钱？
-guest:EGG;
2001-6-13
(#99255@0)
-
今天特意去TD问了一下，不直接向投资者收管理费，他们的成本已经打进基金价格里了。不过最近看了一些资料，从投资角度考虑，首先是买RRSP，有了更多的钱再考虑买RESP。有兴趣大家可以多在这方面交流。
-hearts(hearts);
2001-6-23
(#110338@0)
-
可不可以介绍你的投资顾问给我，嘻嘻！
-guest:对钱真没有观念的人;
2001-6-13
(#100275@0)
-
可不可以留下你的联系电话给我？
-sflw(sflw);
2001-6-13
(#100495@0)
-
cherry126@fm365.com
-cherry126(尚影);
2001-6-14
(#101385@0)
-
为什么会陪?政府的20%不是肯定会拿到吗?利息其实是小数呀
-jane0823(jane);
2001-8-3
(#154752@0)
-
我今天也买了CST的，我听了介绍，觉得不错，就给了支票了。是不是太草率拉？
-firefox99(firefox99);
2001-6-12
(#99196@0)
-
就是付了支票，你仍然有2个月的冷静期，即加拿大法律规定在付款后的60天内，你仍有权力拿回你投资的全部，分文不少, so don't worry about.就我个人认为以CST公司作为RESP的长期投资还是比较稳定的，(仅供参考：))
-sflw(sflw);
2001-6-13
(#99753@0)
-
我是买的Mutual Fund. 我买了3年了。我觉得买Mutual fund作为给孩子的教育基金比较灵活，
-yangn(Raymond);
2001-6-12
{840}
(#99077@0)
-
瞎说两句，egg请进
-kinkin(颗粒);
2001-6-12
{597}
(#99086@0)
-
怀 疑 被 误 导事 实 上 ， 没 有 不 收 管 理 费 的 基 金 ，如 入 门 费 利 息 ， 须 注 意 合 同 以 英 文 版 为 准 。请 代 理 将 保 证 以 中 文 形 式 写 下 ， 否 则 以 后 无 法 申 诉 。 我 认 为 终 有 一 天 你 会 发 觉 被 误 导 。
-guest:mm;
2001-6-14
{217}
(#101156@0)
-
当然不会背误导
原则上当然是收的原则上当然是收的，但是各个银行都有自己的小方针，免trustee fee就是期中的一种，因为我本身就在银行工作，接触的就是这类resp&rrsp以及各类基金，所以我知道有很多顾客的trustee fee 都是被免掉的
-kinkin(颗粒);
2001-6-14
{184}
(#101652@0)
-
另外，resp不是基金，只不过resp的资金可以用来投资基金罢了
-kinkin(颗粒);
2001-6-14
(#101656@0)