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请教RESP 有关的问题。谢谢！

lhq2000(阿伟)

My current RESP account status is:

My Family RESP account does only include my older son; who will be graduated soon.
My Individual RESP account does only include my young son; who will go to university 7 years later.

There are some grants and growth left in the Family RESP account because withdrawal is prorated based on total amount. So, I want to add my young son to the Family RESP account and leave the Individual RESP account as it is.

- What's the merits and demerits?
- Once added, will the amount left in the Family RESP account affect my young son's life time contribution limit?
(Because the left grants will be applied to my young son; If I continut to contribute to reach total $36000; the grants will be great than maximum $7200. However, each beneficiarry can only take maximum $7200. If so, I can only continue to contribute the amount calculated based on left grants.)

- Can I leave both Family and Individual account open as they are?
- Is there any restriction for this that I need to pay attention to?
- Should I finish this registration asap before my older son graduates?

Thanks

(#15294144@0)
Last Updated: 2023-3-25
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Replies, comments and Discussions:

  • 枫下家园 / 钱财税务 / 请教RESP 有关的问题。谢谢！ -lhq2000(阿伟); 2023-3-25 {1161} (#15294144@0)

    My current RESP account status is:

    My Family RESP account does only include my older son; who will be graduated soon.
    My Individual RESP account does only include my young son; who will go to university 7 years later.

    There are some grants and growth left in the Family RESP account because withdrawal is prorated based on total amount. So, I want to add my young son to the Family RESP account and leave the Individual RESP account as it is.

    - What's the merits and demerits?
    - Once added, will the amount left in the Family RESP account affect my young son's life time contribution limit?
    (Because the left grants will be applied to my young son; If I continut to contribute to reach total $36000; the grants will be great than maximum $7200. However, each beneficiarry can only take maximum $7200. If so, I can only continue to contribute the amount calculated based on left grants.)

    - Can I leave both Family and Individual account open as they are?
    - Is there any restriction for this that I need to pay attention to?
    - Should I finish this registration asap before my older son graduates?

    Thanks

    • 如果在family RESP plan里的留下的钱不是很多的话， -jonathanlee2000(七剑); 2023-4-2 {367} (#15319340@0)
      最简单的办法就是乘着老大还在上学的时候，把钱都取出来。然后老二的individual RESP plan管理会简单很多。另一个选择是把老二加入到family plan里，然后申请把老大的没取出的contribution 和CESG额度转到老二的户头。那样的话，要你自己管理在private RESP和family RESP两个账户中，确保老二的totat contribution不多于$50000，total CESG grant 不多于$7200. 那样的话，比较麻烦，可能不值得。

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