Topic: RESP(教育基金) 与买房 @爱德华王子岛华人论坛:爱德华王子岛枫下论坛 The Rolia Forum of PEI

我觉得你太片面了! 每个家庭都有自己的情况和自己的安排,就象为什么很多西人的孩子没有给孩子买一样. 而且,据我所知,这里的孩子等到可以拿钱的时候自己支配,完全不用听家长的.孩子小钱太多不是件好事,虽然我也给我孩子买了. -jjjj(JJ); 2003-7-8 (#1275739@0)

hi, cst, usc and bank which one do u think is good? i'm thinking open one account. -frankbd(back to work); 2003-7-8 (#1275766@0)

if you buy cts from him/her, s/he can get commition somewhere around $1000.00 . -farmer(农夫®); 2003-7-8 (#1275786@0)
USC is samilar with CST, just a little smaller, should be a better choice. Don't goto bank. if you buy GIC, you get low interest, if you put them into Mutual fund / stock, too much risk. -resp4child(教育基金@CST); 2003-7-8 (#1275926@0)

I'm a high risk guy (including driving :)). it's one reason i want to open at bank. .another reason is that it's much easier to make a change at bank. I can change to cst or usc at any time. but for usc or cst. i have to pay a lot for a change

the return for usc is about 6% in recent years (it's shown in the website) but i couldn't find any clue about return of cst in its webcite. Could u give me a link? thx -frankbd(back to work); 2003-7-8 {332} (#1275955@0)

Here is the annual report. You can find all the required information from the main website: www.cst.org -resp4child(教育基金@CST); 2003-7-8 (#1275962@0)

thanks. reading... -frankbd(back to work); 2003-7-8 (#1276415@0)
gee, too complicated. why not use some simple charts. make me thinking somebody's stupid, either me or they. -frankbd(back to work); 2003-7-8 (#1276425@0)

Maybe they don't know which part you want to know, so they list everything. -resp4child(教育基金@CST); 2003-7-9 (#1277142@0)

请提供背景“中国人不买RESP“这一结论的资料来源，然后再让人讨论为什么。（据我所知，中国人外国人家庭，都有不喜欢RESP的，也都有喜欢的） -rollor(Rollor); 2003-7-8 (#1275782@0)
“其总体回报在10%以上” 是不是 guaranteed -farmer(农夫®); 2003-7-8 (#1275792@0)

Which means CST教育基金用来赌博, 但是您输的起. (RESP 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); #1261246 -farmer(农夫®); 2003-7-8 (#1275847@0)

Hi 农夫,CST教育基金不是用来赌博的，而是政府来资助有志让自己的孩子接受高等教育的家庭。同时我也只能说CST历史上回报没有低于10%，没有人(包括银行)能保证未来的回报。 -resp4child(教育基金@CST); 2003-7-8 (#1275934@0)

我对RESP（CST）了解不多。以上post是我拷贝huimin的（#1261246）。我正在考虑是否不买resp... -farmer(农夫®); 2003-7-8 (#1275952@0)

经济不好时教育基金可能负增长.,我买RESP两年帐上的钱还变少了,调整投资方向后小有增长. 5%以下. 能把手续费挣回来就满足了. -guest1(guest); 2003-7-8 (#1275838@0)

CST is alway above 10%, last year 10.25%. You must have invested in Mutual fund or stock, where CST won't. -resp4child(教育基金@CST); 2003-7-8 (#1275910@0)

20%的补贴,不要白不要. 没人会保证10%的回报,就想没人会保证房价不会跌.对中低收入的家庭来说，OHOSP是个好的选择。但是这种经济条件下,如果在背上房子这个承重的负担(贷款,水电,维护,地税...),日子会很难.

中高收入的家庭，RRSP借款则是最好的选择。但要记住这是借款,您必须补回去.

Don't misleading. 人人都会打打自己的算盘. -resp4child(教育基金@CST); 2003-7-12 {244} (#1283412@0)

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