2013 Spring RESP 1. 25 1,500 2013 4 2015 RESP 2. RESP 44 3. RESP RESP 4. 2040 6 60 5. 192
25 1,500 2013 4 2015 Registered Education Savings Plans RESP 1 RESP RESP RESP 1974 90 2000 1998 Canada Education Savings Grant CESGRESP RESP RESP 2004 Canada Learning Bond CLB 2005 CESGAdditional CESG CESG 2 1996 2007 RESP 10 3.2 12011 316 35 RESP 1,453 1 2 24 90 10 2.4 2012/13 10 1.5 193
2013 Spring 1 RESP 10 35 30 25 20 15 10 5 0 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 10 4.0 3.5 3.0 2.5 2.0 1.5 1.0 0.5 0.0 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 RESP HRSDC Canada Education Savings Program - Annual Statistical Review 2011 RESP RESP 2 3 RESP RESP RESP Promoter 3 4 5 5 RESP 5 RESP CESG CLB 3 4 5 RESP Promoter RESP RESP CRA RESP Promoter HRSDC Participating RESP Promoter 31 RESP 35 RESP 31 1996 2,000 1997-2006 4,000 2007 1996-2006 4.2 2007 5 194
2 RESP 3 RESP CESG CLB CESG CESG CESGBasic CESG CESGAdditional CESG 417 CESG 2,500 20 500 RESP 7,200 CESG 8 5,414 RESP 4 2,707-8 5,414 500 1050 4 195
2013 Spring 2,706 20100 2011 CESG 7 300 6 5,800 CESG 5 231 161 CESG CESG 27.3 3.58 2011 CESG 692 CESG 302 43.6 CLB CLB National Child Benefit Supplement; NCBS) 6 2004 1 1 500 RESP 25 15 100 4 CESG CESG CESG CRA 5 CESG 100 800 700 Additional CESG 600 Basic CESG 500 400 300 200 100 0 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 250 Basic CESGAdditional CESG Basic CESG 200 150 100 50 0 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 Canada Education Savings Program - Annual Statistical Review 2011 6 NCBS Canada Child Tax Benefit CCTB 196
2,000 RESP 2011 26 8,300 7,902 6CLB RESP CLB 81.7 1,005 CLB 38 6,925 24.4 RESP 2005 RESP 500 8 11 14 100 2007 2 21 2,500 RESP 10RESP 500 5 10 RESP RESP RESP 6 CLB 100 90 80 70 60 50 40 30 20 10 0 2005 2006 2007 2008 2009 2010 2011 Canada Education Savings Program - Annual Statistical Review 2011 30 25 20 15 10 5 0 197
2013 Spring 21 RESP 7 Guaranteed Investment CertificateGIC Canadian Scholarship Trust Plan 7 Heritage Educational Funds RESPs 8 7 RESP Ontario Securities Commission Saving for your child's education 7 8 Canadian Scholarship Trust Foundation C.S.T. Consultants Inc.Royal Banak of Canada, TD Asset Management Inc., Beutel, Goodman & Company Ltd., Greystone Managed Investments Inc., MFS McLean Budden, Canso Investment Counsel Ltd. Heritage Educational Foundation Heritage Educational Funds Inc.Scotiabank, Scotia Asset Management L.P., CIBC Wood Gundy, UBS Investment Management Canada Inc., Yorkville Asset Management Inc. 198
RESP 9 RESP 13 5,000 10 13 Educational Assistance Payment EAP RESP 11 12 13 RESP Accumulated Income Payment AIP AIP 2 RESP 20 14 RRSP Registered Retirement Savings Plan RRSP 5 15 20 9 13 10 Post-Secondary Education Payment; PSE 11 21 12 RESP RESP (1)RESP 10 21 EAP (2)RESP 35 40 (3) 13 CESG 14 12 15 RRSP RESP RRSP 199
2013 Spring EAP AIP AIP 16 RRSP RRSP 1957 71 182013 2 3,820 17 RRSP 2 5,000 15 2 10 RRSP 71 12 31 18 RESP RESP RESP RESP 8 39.728.9 9 RESP CESG CLB CESG 40.0 CLB 31.9 37.9 RESP TD Canada Trust TD Canada Trust TD Bank Financial Group RESP 16 RESP 17 Pension Adjustment Past Service Pension Adjustment Pension Adjustment Reversals 18 Registered Retirement Income Fund; RRIF 200
8 RESP RESP 28.9% 39.7% 13.2% 3.2% 15.0% Canada Education Savings Program - Annual Statistical Review 2011 9 RESP CESG CLB CESG CLB 28.8% 40.0% 37.9% 31.9% 3.9% 10.8% 16.5% 5.8% 4.5% 19.9% Canada Education Savings Program - Annual Statistical Review 2011 TD Canada Trust RESP TD Guaranteed Investment Certificates GICsTD Mutual Funds RESPTD Waterhouse RESP Toronto-Dominion BankTD Canada Trust 100% GICs TD Asset Management Inc. TD all-in-one TD Comfort Portfolios TD Asset Management Inc. TD 201
2013 Spring Investment Services Inc. 100 25 TD Securities Inc. 50 2 5,000 RESP RESP RESP OECD 9 RESP 529 19 RESP RRSP 1011 2040 12 6 60 19 529 2012 202
10 1. 2. 2009 2008 OECD Education at a Glance 2012 11 1. 2008-2009 US 2. Government dependent private institutions 3. m OECD Education at a Glance 2012 12 3 24 203
2013 Spring 204