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THIS SITE IS INTENDED FOR CANADIAN INSTITUTIONAL INVESTORS ONLY. IT IS NOT INTENDED FOR THE GENERAL PUBLIC OR FOR INVESTORS THAT DO NOT RESIDE IN CANADA BY ACCEPTING THIS TERMS OF USE AGREEMENT, YOU CONFIRM THAT YOU ARE ENTITLED, UNDER THE SECURITIES LEGISLATION OF YOUR PROVINCE OF RESIDENCE, TO PURCHASE SECURITIES WITHOUT THE BENEFIT OF A PROSPECTUS BECAUSE YOU ARE (I) AN “ACCREDITED INVESTOR” WITHIN THE MEANING OF NATIONAL INSTRUMENT 45-106 PROSPECTUS AND REGISTRATION EXEMPTIONSAND/OR (II) A “PERMITTED CLIENT” WITHIN THE MEANING OF NATIONAL INSTRUMENT 31-103 REGISTRATION REQUIREMENTS, EXEMPTIONS AND ONGOING REGISTRANT OBLIGATIONS.
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Age 16 & 17 rule
A beneficiary turning 16 or older will not be eligible for grant unless:
They’ve received a minimum of $2,000 of contributions (that haven’t been withdrawn) before January 1st of the year they turn 16.
OR
They’ve received $100 of annual contributions (that haven’t been withdrawn) in any four years before Jan 1st of the year they turn 16.
Tip
Consider setting up a preauthorized contribution (PAC). It’s a low-maintenance way of ensuring you get the most out of your RESP.
When a subscriber contributes more than the $50,000 lifetime limit, they’re generally required to pay a 1% per month tax on their share of the over-contribution until it’s withdrawn.
Tip
If there are multiple beneficiaries in a family plan, talk to your advisor about updating allocation instructions before the beneficiaries turn 18.
More information
Investor Flyer – Client-friendly sales piece that explains the benefits of opening a Franklin Templeton RESP
This website is for Canadian residents.
This website is for Canadian residents.
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Franklin Templeton Canada is a business name used by Franklin Templeton Investments Corp.