The Heritage Plan: simple & secure

For many Canadian families, Heritage Plans are the RESP of choice.

Heritage Education Funds is one of Canada's leading RESP providers and has helped families save for their children's post-secondary education for over 40 years.  The Heritage Plan is what is known as a "pooled" fund. That means all contributions made by Subscribers are pooled together, along with applicable Canada Educational Savings Grant* payments and other government grants*. Then they are invested in various low-risk investments that earn a competitive and consistent return. 

More investment opportunities

By pooling your money with other investors, you can access a wider range of investment options than if you were investing on your own.

For instance, a government bond with an attractive rate of return may only be available in denominations of $10,000. On your own, it would take many monthly $100 payments to reach that minimum. With a pooled fund, your contribution can participate in that investment right away.

Helping your RESP grow

Heritage Plan RESPs are eligible for government grants including the Canada Education Savings Grant (CESG), the Canada Learning Bond (CLB) and provincial programs, such as the Alberta Centennial Education Savings Grant (ACES) and the Quebec Education Savings Incentive (QESI).  Government grants, and the investment earnings on these grants, help your child's Heritage Plans RESP grow even faster.

How does The Heritage Plan RESP work?

*Certain Conditions apply