Do you understand the risk, do you know what happend in the last two years? 教育基金不能用来赌博，您输不起。

resp4child(教育基金@CST)

表面上RESP与RRSP都是超长期投资(15年以上)。对于超长期投资,投资在Equity市场或Bond市场是正确的选择,但是请注意RESP更是时间敏感性投资., 这个帐户里的您在小孩18岁前不可取出(否则会有损失)，小孩18岁上学是必需使用，25岁前这个帐户必需关闭。如果投在Mutualfund/Equit上在你小孩上大学的那一年Nutual Mutualfund/Equit市场也象2000-2002年的时候. 你是否对你的小孩说"孩子, 咱等股市上来在上学吧!" Equity市场或Bond市场(长期投资)总的效果不错，但是，您不能把握在您的孩子需要上学时,Mature fund and 股票是熊市还是牛市.
当然不要放弃参与Stock Market市场增长的机会，请用RRSP或者其它存款。教育基金不能用来赌博，您输不起。
可以考虑专业教育基金机构(如CST)放在安全的国家债券上。
其回报高于银行GIC，并且有社会福利捐款等优势。

(#1260874@0)
Last Updated: 2003-6-27
This post has been archived. It cannot be replied.

银行应该不会charge钱的. 可能会扣调利息和CESG。银行的RESP本来就不划算，而且还得年年续。Cancel, Hurry up. -resp4child(教育基金@CST); 2003-6-27 (#1260640@0)

not mention other, who says 得年年续from bank? -d2o(尘埃落定：ATLANTIS); 2003-6-27 (#1260680@0)

Me. 又想了一下：银行应该不会charge钱, 不过，也不一定，据说，一定时间内CLOSE CHECKING ACCOUNT 都要charge钱, You'd better call the bank. -resp4child(教育基金@CST); 2003-6-27 (#1260687@0)

but are you sure the client have to buy RESP every year from bank? -d2o(尘埃落定：ATLANTIS); 2003-6-27 (#1260689@0)

Well, I never buy RESP from Bank mysefl. but I had few clients stop their investment from bank, they told me they did that every year... -resp4child(教育基金@CST); 2003-6-27 (#1260700@0)

不要不择手段嘛~~~~ -luoboyang(萝卜秧); 2003-6-27 (#1260694@0)

竞争是残酷地!! :< -resp4child(教育基金@CST); 2003-6-27 (#1260701@0)

不要此地无银三百两嘛~~~~~ -luoboyang(萝卜秧); 2003-6-27 (#1260727@0)
人是现实地 -zxcvb(朝天椒); 2003-6-27 (#1260729@0)

好坏也是明摆着地。 -resp4child(教育基金@CST); 2003-6-27 (#1260734@0)

当然，你要是和我说你那RESP，我非..... -zxcvb(朝天椒); 2003-6-27 {12} (#1260745@0)
我躲不行吗？

行! -resp4child(教育基金@CST); 2003-6-27 (#1260746@0)

Don't mislead people. 银行的RESP不是年年续, 是年年买 to get $400/year from the goverment. " 银行的RESP本来就不划算 ", 说说怎么不划算. 竞争是残酷地, 但是不能骗人. -huimin(huimin); 2003-6-27 (#1260776@0)

Misleading? Can you get 10% interest rate when you put your money in GIC? -resp4child(教育基金@CST); 2003-6-27 (#1260784@0)

Can you? -huimin(huimin); 2003-6-27 (#1260789@0)

CST's return is 10.23% last year, and much higher in the past. -resp4child(教育基金@CST); 2003-6-27 (#1260803@0)

Bissett Income-F Fund, 1 Yr. return 13.23%; 2 Yr. 13.03%; 3 Yr. 19.95%; 5 Yr. 10.35%; TD Monthly Income Fund, 1 Yr. reture 11.97%; 2 Yr. 11.85%; 3 Yr. 10.93%; much higher than CST's return !, SO WHAT ? -huimin(huimin); 2003-6-27 (#1260854@0)

竞争是残酷地!! :< -rudy2000(rudy2000); 2003-6-27 (#1260858@0)
Do you understand the risk, do you know what happend in the last two years? 教育基金不能用来赌博，您输不起。 -resp4child(教育基金@CST); 2003-6-27 {697} (#1260874@0)
表面上RESP与RRSP都是超长期投资(15年以上)。对于超长期投资,投资在Equity市场或Bond市场是正确的选择,但是请注意RESP更是时间敏感性投资., 这个帐户里的您在小孩18岁前不可取出(否则会有损失)，小孩18岁上学是必需使用，25岁前这个帐户必需关闭。如果投在Mutualfund/Equit上在你小孩上大学的那一年Nutual Mutualfund/Equit市场也象2000-2002年的时候. 你是否对你的小孩说"孩子, 咱等股市上来在上学吧!" Equity市场或Bond市场(长期投资)总的效果不错，但是，您不能把握在您的孩子需要上学时,Mature fund and 股票是熊市还是牛市.
当然不要放弃参与Stock Market市场增长的机会，请用RRSP或者其它存款。教育基金不能用来赌博，您输不起。
可以考虑专业教育基金机构(如CST)放在安全的国家债券上。
其回报高于银行GIC，并且有社会福利捐款等优势。

In brief, you may get higher number this year, or next year, but you can't guarantee you can't get this rate when you child to to school. -resp4child(教育基金@CST); 2003-6-27 (#1260884@0)

Does CST guarantee its return? I am afraid not. Benefit always comes with risk. -jang(jang); 2003-6-27 (#1260901@0)

the trend of CST is flat, so ..., Stock&Mutual fund are always up and down, you are lucky if you catch the top peak, when your child turns 18. -resp4child(教育基金@CST); 2003-6-27 (#1260907@0)

You are a good salesman, a bit too aggressive though. I was wondering how CST can get a return of over 10% by investing in bonds and mortgages. -jang(jang); 2003-6-27 (#1260923@0)

Thanks. CST invests in government fund and some fund of AAA companies. Let say GIC, if you deposit $2000 the bank gives you 4%, and if you deposite $2 million, the rate will be different. -resp4child(教育基金@CST); 2003-6-27 (#1260954@0)

plus 并且有社会福利捐款等优势。.... -resp4child(教育基金@CST); 2003-6-27 (#1260956@0)
$2 millioon, wow ! Mutual Fund can deposite $200 million, how about that ? -huimin(huimin); 2003-6-27 (#1261137@0)

Then M will get better rate, but do you know how much does M charge you as management fee? -resp4child(教育基金@CST); 2003-6-27 (#1261162@0)

Good question ! Can you tell us how much commission you get by selling RESP and how much administrative fee and management fee CST教育基金 charged? Where the admin fee and the commission come from ? -huimin(huimin); 2003-6-27 (#1261265@0)

You have not answered the question , " Does CST guarantee its return? ?", I dare you to answer the question ! -huimin(huimin); 2003-6-27 (#1261147@0)

no -resp4child(教育基金@CST); 2003-6-27 (#1261149@0)

Which means CST教育基金用来赌博, 但是您输的起. (your post #1260874). 您想赌博就赌博吧, 不要骗新移民赌博. 新移民输不起 -huimin(huimin); 2003-6-27 (#1261246@0)

Risk? 输不起? sure, 新移民买CST教育基金被他的代理骗了$1000 (post #1211836, #1209723), risk 吧? 输的起吧? Don't change topic, 说说" 银行的RESP怎么本来就不划算" Can you answer the question ? -huimin(huimin); 2003-6-27 (#1261124@0)

i already answered: (1)GIC--> low rate, (2)Stock/Mutual fund --> high risk, so it's 不划算. -resp4child(教育基金@CST); 2003-6-27 (#1261154@0)

CST's return is 10.23% last year. Bissett Income-F Fund, 1 Yr. return 13.23%; 2 Yr. 13.03%; 3 Yr. 19.95%; 5 Yr. 10.35%. 怎么就不划算? Risk ? Does CST guarantee its return? Can you answer this question? -huimin(huimin); 2003-6-27 (#1261222@0)

the return is impressive. Could you give a link please? -frankbd(back to work); 2003-6-27 (#1261590@0)

What is the difference bwtween 年年续 & 年年买 ? -resp4child(教育基金@CST); 2003-6-27 (#1260786@0)

You sell RESP, and even don't know the difference bwtween 年年续 & 年年买. -huimin(huimin); 2003-6-27 (#1260798@0)

For bank, your investment is year by year. For Group RESP, it's a one contract till the child turns 18. -resp4child(教育基金@CST); 2003-6-27 (#1260805@0)

So you mean CST only need ONE payment, say $2000, untill child turns 18. Come on, tell the whole story. -huimin(huimin); 2003-6-27 (#1260873@0)

You know it's impossible, IT's 2k every year, but it's within one contract. For bank, I believe it equals to sige a contract every year, and you get different rate (i.e. GIC) every year. -resp4child(教育基金@CST); 2003-6-27 (#1261092@0)

So you still don't know the difference bwtween 年年续 & 年年买 . -huimin(huimin); 2003-6-27 (#1261141@0)
From your reply, I feel the banks are more flexible, parents can change the contribution amount every year instead of 2k as signed in a contract. Is it correct? -hoiyang(独形虾); 2003-6-28 (#1261769@0)

curious about the answer ... -gel(See PMCS Run); 2003-6-27 (#1260810@0)

Every exiatance has its reason. Could u please give a compason of the advantage and disadvantage of cst.or ust and bank? Thanks -frankbd(back to work); 2003-7-1 (#1265543@0)

哇, 看了这么多回贴, 还是没得到准确答案. -qgd123(tony); 2003-6-27 (#1261557@0)

Ask 银行, 银行 will tell 你准确答案. -huimin(huimin); 2003-6-28 (#1262044@0)

Could u tell us why cancel? I'm thinking open one at bank. -frankbd(back to work); 2003-7-1 (#1265542@0)

@Calgary

Do you understand the risk, do you know what happend in the last two years? 教育基金不能用来赌博，您输不起。

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