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为子女教育储蓄

大专院校教育费用昂贵，所以您会想要一个计划来帮助您为孩子的未来存钱。我们将向您展示可以尽可能简单地为子女教育而存钱的账户和政府激励措施。

推荐投资选择

Explore your options for saving and investing toward your child’s future education.

以下是两个为您的子女教育存钱的绝佳账户选择。

Registered Education Savings Plans (注册教育储蓄计划（RESP）s)
注册教育储蓄计划是为孩子的教育存钱的最佳方法之一。政府每年可最多累加$500，终身最多为$7,200。
Great for: Parents who want to save for their children’s education.
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免税储蓄账户 (TFSAs)
您的资金在免税情况下增值，且可以随时（比如，当您需要为孩子支付学费时）提取，而没有任何后果。
Great for: Parents who have maxed out their 注册教育储蓄计划（RESP） and want a flexible alternative.
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无论您用几十年或仅仅几年的时间来为子女教育储蓄，我们都有绝佳的投资类型来帮助您的储蓄实现增长。

交易所买卖基金 (ETF（交易所买卖基金）s)
ETF（交易所买卖基金）s are a bucket of securities made up of equities, fixed income and other assets – great for a diversified portfolio.
Typical investing horizon: Medium- to long-term
Great for: Anyone who wants a low-fee investing option.
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互惠基金
互惠基金是由投资组合经理管理的一组投资。 Unlike GICs, your principal isn’t protected; however, it’s possible to earn much more interest with a mutual fund.
Typical investing horizon: Medium to long-term
Great for: Anyone who would like their investments to be professionally managed.
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无论您选择哪个账户为首付存钱，都可以随时在线或通过BMO手机银行应用程序访问。

了解您的政府激励措施。

加拿大教育储蓄补助金 ›
The Canadian Education Savings Grant (CESG) is a federal government program that can top up your annual 注册教育储蓄计划（RESP） contributions by 20% up to $500 per year, to a lifetime maximum of $7,200.
其他补助和奖励
Other incentives available for qualified families include the Canada Learning Bond (CLB), the British Columbia Training and Education Savings Grant (BCTESG), and the Quebec Education Savings Incentive (QESI).