The benefits of a pooled fund Registered Education Savings Plan

The Heritage Group Plan* is the Registered Education Savings Plan many Canadian families choose because of its pooled fund strategy. The Heritage Plan takes all contributions made by subscribers and pools them together, along with applicable government grants. Your contributions are then invested in various fixed-income lower risk investments such as government bonds and GICs, which typically earn a competitive and consistent return. The plans' income is also invested in various fixed-income lower risk investments such as government bonds and GICs. For plans with a maturity date of July 31, 2015 or later, the plans' income may also be invested in a mix of Canadian equities, US and Canadian Exchange Traded Funds (ETFs) and corporate bonds.

Take advantage of more investment opportunities with the Heritage Plans Registered Education Savings Plan

Pooling your money with other Heritage Registered Education Savings Plan investors will grant you access to a larger selection of investment options. A government bond with an attractive rate of return may only be available in denominations of $10,000. With a pooled fund such as Heritage, your contribution can participate in that investment right away.

The applicable government grants that may be available, depending upon your annual net family income and/or your residency through a Heritage Plan, include the Canada Education Savings Grant** (CESG), the Canada Learning Bond** (CLB) and provincial programs, such as the Quebec Education Savings Incentive** (QESI), the Saskatchewan Advantage Grant for Education Savings** (SAGES) and the British Columbia Training and Education Savings Program1 (BCTESP)**. Government grants, and the investment earnings on these grants, help your child's Registered Education Savings Plan grow even faster.

Contact us today to ensure your child's post-secondary education with the pooled funds of a Heritage Registered Education Savings Plan.

* The Heritage Plans are sold by prospectus only

** Certain conditions apply. See the prospectus for full details

1 We are informed that the province of British Columbia will begin accepting applications for the BCTESP beginning in August 2015.

The Impression Plan is a Canadian RESP that gives you flexibility and convenience

Set your own schedule by making contributions to your Impression Plan RESP whenever it is convenient for you. Once your child is ready for post-secondary education, you may withdraw your contributions (less fees), all government grant money, and all income you've earned; applying the funds to your child's post-secondary education.**

The Impression Plan* invests your contributions and government grants into fixed-income lower risk investments. These include Guaranteed Investment Certificates, Federal, Provincial and Municipal Bonds, Term Deposits, Government Treasury Bills, Mortgage-backed Securities and Variable Rate Securities. The plan's income is also invested in such fixed-income lower risk investments and may also be invested in a mix of Canadian equities, US and Canadian Exchange Traded Funds (ETFs) and corporate bonds.

Start saving for your child's university and college education at any age

Unlike other Canadian RESPs, an Impression Plan is available to children of any age. If your child doesn't pursue post-secondary education then your contributions will be returned to you, and any income you earn may be transferred to your RRSP or your spousal RRSP.**

With our home office in Toronto, Ontario and branch offices located across Canada, a Heritage RESP Representative is just around the corner from you to discuss your child's post-secondary education plans. Find a local Heritage RESP Representative here.

* The Impression Plan is sold by prospectus only.

**Certain conditions apply. Please see prospectus for full details.

If you are an employer, give your employees the benefits of a Group/Employee Option for a Registered Education Savings Plan

The Group/Employee Option for Registered Education Savings Plan is an intelligent approach to employee benefits. A Group/Employee Option for a Registered Education Savings Plan can help your employees plan for their children's post-secondary education. The Group/Employee Option provides a pooled fund where your net contributions and government grants are invested in lower-risk investments.

Build employee long-term loyalty by providing for their children's future

With the cost of a post-secondary education on the rise, you can ease your employees' minds about the future of their children by providing them with a Group/Employee Registered Education Savings Plan. You can offer your employees the Group/Employee Option at no cost to you or your company.

Including the Group/Employee Option in your employees' benefits will give your company a competitive advantage in attracting and retaining quality people. You will also prove your commitment to your employees by caring about the long-term, financial well-being of their children. The Group/Employee Option for a Registered Education Savings Plan will also convey your company's sense of community and demonstrate innovative thinking.

Contact us today to learn more about the Group/Employee Registered Education Savings Plan.