RESP Expertise you can trust

Unlike banks, mutual fund companies and financial planners, Heritage specializes in RESPs. In fact, we have over 40 years of experience helping families reach their educational goals. Here’s how:

Pooled funds mean more investment opportunities

Heritage Plan RESPs are what is known as a pooled fund. That means your contributions are combined with those of other subscribers so you can benefit from a wider range of secure investment opportunities.

Unnecessary risk is not an option

With Heritage Education Funds, your RESP is not at the mercy of the stock market. Your money is invested in various low-risk investments that earn a competitive and consistent return. So you know your money will be there when your child needs it.

Plans that deliver

Since 1988 Heritage has returned over $245 million to students and parents for the pursuit of higher education.

A Heritage RESP Representative can help you

Across Canada, Heritage RESP Representatives are ready to offer you:

• Specialized RESP expertise
• In-home consultation
• Personal service available in different languages
  • English
  • Cantonese
  • Mandarin
  • Punjabi
  • Hindi
  • French

No hidden fees or mark-ups Q. I've heard that RESP providers have been known to earn as much in fees as they earn for the RESP itself. Can that happen with Heritage?

A. Heritage fees are always lower than they are with mutual funds. Mutual funds have an annual fee known as a Management Expense Ratio (MER). The average mutual fund MER in Canada is 2.49%†. (There may also be trustee fees, administration fees and account fees charged regardless of fund performance.) Heritage Pooled Plan RESPs have an annual administration and portfolio fee of just 0.56%*. There is also a Membership Fee of $100 per unit (which may be refunded in part or in full with the Educational Assistance Payments) and an annual depository fee, depending on the contribution method selected.

††Source: Morningstar 06.30.07
*Source: Heritage Educational Foundation 06.30.07