Low-risk investing for your child’s future

The Heritage Plan funds are "pooled" and invested together to take advantage of a wider range of investment options. This means that all Subscribers' contributions, including applicable government grant payments, are pooled together.

The money is then invested in various low-risk investments that earn a competitive and consistent return. Your child’s portion of these “pooled funds” is determined by the number of shares (units) you purchase and their value, which is based on interest rates and the number of students who pursue post-secondary education each year. Learn about The Heritage Plan >>

If you'd like the flexibility of a mutual fund-type RESP without the risk, we also offer the Impression Plan. >> Learn about The Impression Plan >>

Whichever plan you choose, you benefit from:

• A low-risk investment approach, so your money will be
  there when you need it
• The Canada Education Savings Grant (CESG)
  – up to $7,200 per eligible child
• The Canada Learning Bond (CLB)
  – up to $2,000 more per child if you qualify
• The Alberta Centennial Education Savings Plan
  – up to $800 for an Albertan child’s RESP
• Professional management and administration
• Over 40 years of experience working exclusively with RESPs
  and over $1.36 billion dollars in assets under management