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RESPs Advantages

RESP's Advantages

There are a number of benefits that make RESPs a logical choice for parents.

While you may also save for your kids' education outside of RESP accounts, it is important to keep in mind that savings in such accounts do not enjoy the benefits of government grants and tax-sheltered growth.

RESP Advantages:

  1. Investment strategy can incorporate either capital appreciation or more conservative GICs etc.
  2. Anyone can contribute.
  3. No taxation matters until withdrawn.
  4. Can change beneficiary to blood or adopted relation.

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