跳過導覽

為孩子的教育進行儲蓄

高等教育學校的費用高昂，您會希望有項計劃可幫助您為孩子的未來儲蓄。我們將向您展示能讓您儘可能為孩子的教育輕鬆儲蓄的賬戶，還有政府的獎勵措施。

建議的投資選項

Explore your options for saving and investing toward your child’s future education.

以下是兩個為子女教育儲蓄的好賬戶選項。

Registered Education Savings Plans (註冊教育儲蓄計劃（RESP）s)
註冊教育儲蓄計劃是為子女的教育進行儲蓄的最佳方法之一。政府每年可加碼最多$500，到終身上限$7,200為止。
Great for: Parents who want to save for their children’s education.
了解更多
免稅儲蓄賬戶 (TFSAs)
您的資金可免稅增長，還可隨時提領而無稅務問題，例如，當您需要支付孩子的學費時。
Great for: Parents who have maxed out their 註冊教育儲蓄計劃（RESP） and want a flexible alternative.
了解更多

無論您可為孩子教育儲蓄的時間是長達數十年或短短數年，我們都有各種適合的投資類型，可幫助您的儲蓄增長。

交易所買賣基金 (交易所買賣基金s)
交易所買賣基金s are a bucket of securities made up of equities, fixed income and other assets – great for a diversified portfolio.
Typical investing horizon: Medium- to long-term
Great for: Anyone who wants a low-fee investing option.
了解更多
互惠基金
互惠基金是一個由投資組合經理管理的投資池。 Unlike GICs, your principal isn’t protected; however, it’s possible to earn much more interest with a mutual fund.
Typical investing horizon: Medium to long-term
Great for: Anyone who would like their investments to be professionally managed.
了解更多

無論您選擇哪種賬戶進行頭期款儲蓄，都可以隨時上網或透過BMO行動銀行應用程式存取賬戶。

了解政府提供的獎勵計劃。

加拿大教育儲蓄補助 ›
The Canadian Education Savings Grant (CESG) is a federal government program that can top up your annual 註冊教育儲蓄計劃（RESP） contributions by 20% up to $500 per year, to a lifetime maximum of $7,200.
其他補助和獎勵
Other incentives available for qualified families include the Canada Learning Bond (CLB), the British Columbia Training and Education Savings Grant (BCTESG), and the Quebec Education Savings Incentive (QESI).