Финансы в Канаде
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"The major gamble with setting up an RESP is that the child will decide not to study after high school. In that case, the account can be transferred to a sibling. And if there is no sibling, the people who contributed money may transfer it to their personal RRSP tax-free for retirement savings.
When an RESP is closed, the government grants must be repaid, and all gains on the investments inside the registered accounts will be subject to tax.
Thankfully, you can keep RESPs open for 36 years—so you’ll have plenty of time to convince your kid to go to college before you have to close the account."
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А вот тут поподробнее можно?
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по твоей же ссылке:
Then there’s the matter of taxes. While the money is in the account, all gains will remain tax-free. When a student withdraws the money to pay for school, he or she will owe tax only on the interest, dividends, and capital gains, and on the money supplied by the government. But the money he or she or his or her family originally contributed will not be taxed, since that money was taxed already.
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Ясно. Что-то уже забыл сам. Давно читал. Спасибо
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Ну да. Все-равно в плюсе ж остаёшься. Тем более у студента какой там налог. Всего ничего. Потом ещё возвраты получит.
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А вот интересно, можно ли RESP пускать на обучение заграницей. Вдруг ребенок решит в России высшее образование получать!
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Шучу. В Европе)) К примеру. Или в США.
