虽然在学院或大学继续深造对学生来说往往压力很大，但很容易忽视这些学生父母所承受的类似程度的经济压力和负担。特别是对于那些收入不高的人来说，直接从你的正常现金流中支付学费会大大减少你的个人储蓄。
今天的《金融从 A 到 Z》将涵盖教育储蓄账户的使用，特别是注册教育储蓄计划，也称为 RESP。
E代表教育储蓄：
RESP 是一项延税储蓄计划，允许父母为每个孩子提供高达 50,000 美元的资金用于为高等教育储蓄。在准备支付孩子的教育费用时，这可以说是最好的方法。通过每月将一小部分储蓄转入 RESP，可以肯定的是，当高等教育问题出现时，RESP 将准备好使用。事实上，RESP 经受住了时间的考验。根据加拿大就业和社会发展部最新的 RESP 年度统计审查，RESP 继续受到加拿大人的高度青睐。
开设 RESP 的过程非常简单。所需要的只是您孩子的社会保险号码和可在您的金融机构获得的 RESP 申请。此外，政府补助可以大大补充您自己的储蓄捐款。值得注意的是，现有的两种工具是加拿大教育储蓄补助金 (CESG) 和加拿大学习债券。前者每年向 RESP 捐款的前 2500 美元提供 20% 的补助（即每年免费 500 美元，每个孩子终生最多 7200 美元），后者为低收入家庭的孩子提供高达 2000 美元的补助。因此，最好每年捐助 2500 美元，以最大限度地提高 CESG 的额外捐助。不幸的是，鉴于近年来每个孩子的平均 RESP 供款仅为 1,657 美元，一些父母的供款不足，无法意识到这一点。
以下是直接取自加拿大政府的 RESP 运作的一般步骤：
- 订户与发起人签订 RESP 合同，并在该计划下指定一名或多名受益人
- 订户向 RESP 供款。政府补助金（如适用）将支付给 RESP。
- RESP 的发起人管理支付给 RESP 的所有金额。只要收入留在 RESP 中，就无需纳税。发起人还确保根据 RESP 的条款从 RESP 付款
- 发起人可以免税退还订阅者的捐款
- 发起人可以向受益人付款，以帮助资助他或她的高等教育
- 发起人可以进行累计收入支付
RESP 的上限为每位受益人一生 50000 美元。如果发生超额供款，则每月对超额供款的份额征收 1% 的税，直至其被撤回。因此，跟踪您对 RESP 所做的任何贡献都很重要。在有多个孩子的家庭中，必须跟踪计划中指定的每个孩子的供款。
开设 RESP 最吸引人的方面之一是所包含的储蓄是延税的。根据定义，RESP 是一种避税投资账户，专门用于帮助支付高等教育费用。到需要储蓄时，它们会在不征税的情况下返还。此外，RESP 的时间范围非常宽容。供款可以继续存入 RESP，直到 RESP 首次开放后 31 年。即使在 31 年后，RESP 的储蓄也可以转移到另一个单一计划中。
如果您的孩子不接受高等教育，RESP 也可用于学徒制和贸易学校等项目。但是，如果这两种选择都不可行，那么可以提取对 RESP 的原始供款而无需征税。然而，来自 CESG 等项目的赠款必须退还。同样，除了处以 20% 的罚款外，还必须对从原始捐款中获得的资本收益征税。
总而言之，RESP 是慢慢积累教育储蓄的绝佳工具。它们不仅开设和维护起来相对简单，而且还免税。
在下面的评论中分享您的想法！
谢谢，我们下一期再见！
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