nidie

说得好。远离USC集体计划的教育基金，就是远离了损失！！！

Post by qqqq2000
  

xu1958朋友的分析很有道理。
既然过去的利率并没有参考价值，那USC的托们为什么反复地把彭先生的例子贴出来误导家长们呢?USC的代理又凭什么说自己的回报有6.5%呢？
我以前不知道教育基金在银行和投资公司都能买，而且它们的费用几乎为0，在USC代理的鼓动下购买了USC的产品，后来认识了在投资公司工作的朋友才知道。对于教育基金这个产品，由于有政府的20%补贴，只要选择保守的投资基金，在投资公司平均每年要达到8%的本金回报是没有风险的，保守的投资基金也是与USC等集体计划一样，主要是购买政府的债券等产品，而相应的费用却远远低过USC。正因为投资公司和银行买教育基金的佣金极低，所以我的朋友并没有花精力宣传这个产品。
USC的集体计划产品，相对于在银行和投资公司的保守的投资基金产品，在十几年的长期投资中少收益2~3万甚至更多是完全可能的。我衷心劝告还没有购买教育基金的家长多做研究多了解后再购买。如果一旦买了USC等集体计划的产品，要退出会有很大的损失的。我已经被USC套上了，但我不希望更多的家长被套上而遭受损失。
远离USC集体计划的教育基金，就是远离了损失！！！

xxu1958

我和XU1958真是难兄难弟，他被USC套上了，我呢，被CST套上了。

据说，CST 和USC大同小异，到底有啥区别呢? 是否可以说：远离CST教育基金，就是远离了损失！！！

请高人指教。

Post by xxu1958
看到XU1958的帖子，使我想起了我在CST买的RESP. 去年我在CST给Baby买了RESP, 每年付款2089.50, 一共买了19.9 UNIT(每个UNIT 的价格是105). 卖给我RESP的CST的Agent说手续费应该是3980。第一年扣了2039.75，加上银行费6.89，我的账面余额是42.86。



为什麽CST的费用高于USC? 请CST的AGENT 出来解释一下。

五味俱全

Post by qqqq2000
Hi,

maybe you did not choose correct product.

please tell me what's the return you want, 8%,9% or !0%?

I can give you some suggestions
better than 6%

qqqq200003@yahoo.com

How do you know what product I have chosen?

I bought my RESP in IG and my son's RESP in BMO. The RRSP is in its 5th year and RESP in the second year. For the RRSP, the first 3 years was very good with average yearly around 8% but for the last 2 years, the average return was around -5%.

I think nobody can assure better than 6% return. So please forgive me for not contacting you privately. Anyway, I will appreciate it if you can share your secrets here with all of us.

qqqq2000

Hi,

since the funds divides into different types, so the returns are different.

from what you expressed, I can guess your product is not correct.

you should trust someone else at leat 5%.

my friend, there are so many good products just because you don't know.

I want to try my best to help you to improve your invest, it can work.

tell you the truth again: there some funds return very well not only better than 6%,

but also 8%, 9%, 10% .....
you should try to search, I can give you some guide.

if you want, you will get.

feel free to get contact with me, email as above, it's easy.
thanks!

Post by 五味俱全
How do you know what product I have chosen?

I bought my RESP in IG and my son's RESP in BMO. The RRSP is in its 5th year and RESP in the second year. For the RRSP, the first 3 years was very good with average yearly around 8% but for the last 2 years, the average return was around -5%.

I think nobody can assure better than 6% return. So please forgive me for not contacting you privately. Anyway, I will appreciate it if you can share your secrets here with all of us.

qqqq2000

Hi,

this is my caculation:
please read carefully.

4002000200024002400240024026400.324002000400024004800504050455440.38640020006000240072007944794.48738.40.4564400200080002400960011138.41113.8412252.240.5315340020001000024001200014652.241465.22416117.460.61174640020001200024001440018517.4641851.74620369.210.69743440020001400024001680022769.212276.92125046.130.78900940020001600024001920027446.1312744.61330190.740.88692240020001800024002160032590.7453259.07435849.820.99165740020002000024002400038249.8193824.98242074.81.1037440020002200024002640044474.8014447.4848922.281.22374


the 7th row is the year's return,

please  pay attention: every year's return reinvest in your account.

the 8th row is the total money in your account by the end of year.

the last row is the return percentage.

so you can see:

by the end of the 10th year.

you total invest 20,000,

gov bounes total 4,ooo.

total money in your account is 42,074

total return % is 110.37%

simple?

any question?

good luck to every one!

Post by 五味俱全
How do you know what product I have chosen?

I bought my RESP in IG and my son's RESP in BMO. The RRSP is in its 5th year and RESP in the second year. For the RRSP, the first 3 years was very good with average yearly around 8% but for the last 2 years, the average return was around -5%.

I think nobody can assure better than 6% return. So please forgive me for not contacting you privately. Anyway, I will appreciate it if you can share your secrets here with all of us.

qqqq2000

answer 五味俱全 about resp 29/07
Hi,

you invest 10 years, 2,000/y,
government bonues 400/y,

every year return 10%, you reinvest the return.

after 10 year:

you invest 20,000, government bonues 4000,

the money in your account is 42,074, total reyurn% is 110.37%.

it's simple.

Post by 五味俱全
How do you know what product I have chosen?

I bought my RESP in IG and my son's RESP in BMO. The RRSP is in its 5th year and RESP in the second year. For the RRSP, the first 3 years was very good with average yearly around 8% but for the last 2 years, the average return was around -5%.

I think nobody can assure better than 6% return. So please forgive me for not contacting you privately. Anyway, I will appreciate it if you can share your secrets here with all of us.

Tiggr

其实不管你选择哪个公司买 RESP都不能说有损失，只是收益有差别。还有人选USC, CST这样的 group RESP因为有可能拿到bonus, 就是别人的小孩选择不上大学，政府grand的利息，就会重新分配给其他孩子。