(1)开户是否有数额和存期限制?
Depends on what kind of investment you select. For Mutual Fund account, I think you at least invest $500. About 存期限制, If you open a RESP account, I think you can take out your own money at any time but you need to pay back CESG to Government unless Your child goes to University or College. So when you open the account, don't think you close it till your child needs it.
(2)如果今年没钱入户,来年是否要将今年的补上?同时政府的补贴是否会受影响?
Don't need. CESG can be as much as $400 each year per beneficiary (should be $500 for low income family this year). If you don't contribute, related CESG won't be pay you. For example, If I didn't buy RESP this year, I got nothing. If I buy $4000 RESP next year (Plus $2000 of this year), I will get CESG $800.
(3)一般存多长时间为宜?
I didn't buy GICs, so I have no idea about this and you need to ask a agent in your bank. I invest my RESP in mutual Funds.
Hope it is useful for you!
Depends on what kind of investment you select. For Mutual Fund account, I think you at least invest $500. About 存期限制, If you open a RESP account, I think you can take out your own money at any time but you need to pay back CESG to Government unless Your child goes to University or College. So when you open the account, don't think you close it till your child needs it.
(2)如果今年没钱入户,来年是否要将今年的补上?同时政府的补贴是否会受影响?
Don't need. CESG can be as much as $400 each year per beneficiary (should be $500 for low income family this year). If you don't contribute, related CESG won't be pay you. For example, If I didn't buy RESP this year, I got nothing. If I buy $4000 RESP next year (Plus $2000 of this year), I will get CESG $800.
(3)一般存多长时间为宜?
I didn't buy GICs, so I have no idea about this and you need to ask a agent in your bank. I invest my RESP in mutual Funds.
Hope it is useful for you!