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枫下家园 / 亲亲宝贝 / 我家小儿近四个月,从出生到现在家中不停接到是否要买教育基金的电话,经纪们都很热情。我对此物不了解,不敢贸然从事,又觉得是好事,不知该如何是好?请各位jjmm支招,感谢感谢!
-fufuzhu(马虎不得);
2005-7-30
(#2425556@0)
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如果时光可以倒流:-),我会换成self-directed 的。btw, this opinion is not from jjmm.
-rodgerxu(rodgerxu);
2005-7-30
(#2425584@0)
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愿闻其祥。我感到很困惑。
-fufuzhu(马虎不得);
2005-7-30
(#2425702@0)
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买那种Pool RESP 有俩个弊端:(1)不灵活,一旦设定存款方法,很难更改;(2)中途退出有高额罚款.如果你有一定投资知识,就到各大银行开一个 Self_direct RESP account which will be controlled by yourself.
-sue01(夏日的期待);
2005-7-30
(#2425718@0)
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不好意思,说实在的本人既缺乏投资意识又缺乏投资常识,不要见怪。不知为何要在各大银行都设户?如果是这样,那政府每年所补贴的款项又如何体现?
-fufuzhu(马虎不得);
2005-7-30
(#2425759@0)
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Self_direct RESP account 有前提的 - "如果你有一定投资知识", 而你 "既缺乏投资意识又缺乏投资常识", so it doesn't suitable for you.
-mixer(Beginner);
2005-7-30
(#2425810@0)
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我想请问除了self_directRESP之外,是否还有其它方法?
-fufuzhu(马虎不得);
2005-7-30
(#2425843@0)
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你要是想买,打电话到你的开户银行去办就可以了。不懂什么理财的话就买个GIC。政府的钱银行会去帮你要的。不要通过机构买, 中间会有很多Trick
-johnnyzh(bubble);
2005-7-30
(#2425910@0)
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多谢。再请问GIC是什么意思?
-fufuzhu(马虎不得);
2005-7-30
(#2426000@0)
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Guaranteed Investment Certificates
-sue01(夏日的期待);
2005-7-30
(#2426005@0)
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Sorry, I mislead you...My point is that you can open a RESP account in any one of Canadian big banks.
-sue01(夏日的期待);
2005-7-30
(#2426003@0)
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我不知道是不是每个家庭在孩子出生后一定要给他/她们做此类投资,以便日后的教育?为人父母可真难,什么都得考虑。
-fufuzhu(马虎不得);
2005-7-30
(#2426023@0)
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Not have to do. Totally depends on your financial situation. In fact, you need to pay your Mortgage, RRSP etc first, and then consider to buy RESP after that.
-sue01(夏日的期待);
2005-7-30
(#2426034@0)
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说的在理。现如今什么都得花钱,钱又紧,可孩子的教育又是头等大事耽误不得。唉,真是两难!
-fufuzhu(马虎不得);
2005-7-30
(#2426040@0)
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That's why I opened a self-direct RESP account. If I don't have enough money this year, so I can carry forward this amount to next year.
-sue01(夏日的期待);
2005-7-30
(#2426041@0)
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开户是否有数额和存期限制?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?一般存多长时间为宜?很抱歉什么都不懂,望指点,多谢!
-fufuzhu(马虎不得);
2005-7-30
(#2426059@0)
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Come in
-sue01(夏日的期待);
2005-7-30
{984}
(#2426110@0)
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very good.1 invest on RESP if you are able to
2 use self-directed and buy mutual fund since:
the risk is moderate and most probably with higher return than pooled RESP
anyway, the pooled RESP invests on funds and bonds also.
self-directed is more flexible.
as in Pooled RESP either your 1st/2nd year payment go to the sales/administration or there's a very high fee.
3 you can talk to the major banks, most provide service in Chinese
-rodgerxu(rodgerxu);
2005-7-30
{447}
(#2426125@0)
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非常非常感谢夏日的期待所给我提供的信息,真诚祝福你每天健康平安!
-fufuzhu(马虎不得);
2005-7-30
(#2426182@0)