Children are our future and – if you look at the rising cost of post-secondary education – ensuring a bright future can be an expensive undertaking! An RESP can help. Invest in an RESP for any child in your life and watch your contributions grow on a tax-deferred basis. And, as an added incentive, the federal government pays a 20% bonus - up to $500 every year, to a lifetime limit of $7,200 per child.

The Canada Learning Bond and an enhanced Canada Education Savings Grant are available for qualifying low to middle income families.

Our account managers are also Credential^® investment professionals, and they can help you choose from two RESP options.

• A mutual fund* RESP from The Ethical Funds Company^® gives you access to world markets in a well-diversified and socially responsible way.
• GIC RESPs through Concentra Financial provide security, flexibility and very competitive rates.

Learn More
The following web-based presentations will help you learn about how RESPs work.

• Contributions
• Subscribers and Beneficiaries – Definitions
• Individual and Family Plans – What’s the Difference?
• Canada Education Savings Grant (CESG)
• Canada Learning Bond (CLB)
• Withdrawals for Beneficiary’s Education
• Available Options when Beneficiary does not go to school
• Deceased Subscriber or Beneficiary

*Mutual funds are offered through Credential Asset Management Inc. and mutual funds and other securities are offered through Credential Securities Inc. and Credential Direct^®, a division of Credential Securities Inc., which operates as a separate business unit. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual funds and cash balances are not covered by Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds and other securities are not guaranteed, their values change frequently and past performance may not be repeated. Credential Securities Inc. is a Member-CIPF. Ethical Funds^® are available only to Canadian residents. ®Ethical Funds and The Ethical Funds Company are registered marks owned by Ethical Funds Inc. and are used under licence. ®Credential and Credential Direct are registered marks owned by Credential Financial Inc. and are used under licence.