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Student’s income
Enter your total income from January 1 to December 31, 2014. Income entered on this page is used to determine the amount of your contribution.

Do not report the following income:

Amount paid by the Régie des rentes du Québec (RRQ) as part of the child support measure (provincial family allowance)
Canada Child Tax Credit
Universal Child Care Benefit
Social assistance and social solidarity benefits
Educational Assistance Payments (EAP) withdrawn from a Registered Education Savings Plan (RESP)

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Quel que soit le montant que vous aurez épargné que dans un REÉÉ ou les montants qui seront versés à titre de PAÉ, ces sommes ne seront pas considérées par l’aide financière aux études au Québec aux fins du calcul des prêts et bourses.

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	RESP PROVIDERS
	BANKS AND CREDIT UNIONS	MUTUAL FUND COMPANIES	INVESTMENT DEALERS	SCHOLARSHIP PLAN DEALERS
	(INDIVIDUAL AND FAMILY PLANS)			(INDIVIDUAL, FAMILY  AND GROUP PLANS)
INVESTMENT OPTIONS	Savings accounts  GICs Mutual funds	Mutual funds	T-bills Bonds Mutual  funds Stocks SC	In general, a plan  must invest in fixed income securities, such as T-bills, GICs and bonds.
RISK AND RETURN	GIC products are low  risk and have fixed returns. Mutual funds and stocks may offer potentially  greater returns, but they are riskier than GICs because you can lose some or  all of your investment if the value falls			Investment options  have lower risk and tend to have fixed returns.
COSTS	The fees depend on  the investments you choose. They may include: sales charges if you buy mutual  funds management fees, which could include trustee fees and administrative  fees if you buy mutual funds. These fees reduce your investment returns.  commissions if you buy or sell stocks or bonds There are generally no fees to  buy GICs, Canada Savings Bonds and other deposit products. I			You can expect to  pay: enrolment fees administration fees investment management fees depository  fees trustee fees Most fees are deducted from your early contributions, which  decreases the earning power of your investment. (IN

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教育基金取出部分，如果是需要纳税部分会显示在在T4A 42栏。但是由于该收入记入学生身上，学生收入低因此几乎不会纳税。

魁省教育基金收入不影响学生补助的申请。其收入为明文不需要纳入计算补助的其他收入之列。具体可以参见魁省政府网站。至于一口咬定说政府肯定耍无赖，少给补助我也只能呵呵了。

投资铁率：高风险高收益。 各类机构投资不同领域，投资者需要根据各自的风险喜好选择。金融市场好的时候，股票上涨，金融市场跌的时候，债券稳健。想想2008年的金融危机。很难说银行等收益就比教育基金零售商高。

最后所有机构服务都收费。

本人现在不代理任何教育基金，只是正研究教育基金以便购买，所以就别费劲喷了。

所有机构都要手续费。

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加拿大的税务、福利制度虽然复杂，但毕竟历经数年，基本完善。因此只要切实理解相关规定，如实申报或申请，结果不会有变化。可是在某些人嘴里，这都成了碰运气，无语。

对于申领补助和申报纳税之间的差额，只要简单写个说明，附上原始单据，即可。

很难想像一个T4A复印件，一个简单的说明是教育基金的收入，政府就会少给补助。不晓得这如何的无法解释？另外我有好奇，既然前面强调教育基金影响学习补助，后边怎么有变成因为无法解释才影响补助，前面说政府 字面上这么说，实际报税时是纳税收入就要减少补助全部转为借款，后面怎么有说政府不会耍赖，该多少是多少。逻辑还能在混乱些吗？

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wanzhu300480 发表于 2015-8-3 21:50
如果你关心的是助学金，那以AFE的要求为准，做最后决定的是AFE不是税局。如果你关心的是个人纳税问题，要看 ...

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wanzhu300480 发表于 2015-8-3 21:50
如果你关心的是助学金，那以AFE的要求为准，做最后决定的是AFE不是税局。如果你关心的是个人纳税问题，要看 ...

正解。

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rita-1881 发表于 2015-8-18 12:57
我估计这里的RESP指的就是本金，网站上面没有详细列明本金和收益的区别。

我觉得小曹的分析是对的，收益 ...

2.1 Definition

An EAP is a payment of earnings and incentives from an RESP to help an eligible beneficiaryFootnote 1 cover expenses associated with PSE.

2.2 EAP components

You have already seen that promoters are responsible for maintaining notional accountsFootnote 2 in each RESP. EAPs can be paid only from the RESP earnings and incentive accounts. Contributions are not included in EAPs.

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EAP只能来源于基金收入和和政府补助.IA的15%的补助只不过是一个激励你早投资多投资的方式.是少分一些人多分给另外一些人.而且最多达到投资额的确15%.如果代表告诉你一定达到这个比例,让他写下签字画押.反正有华裔保险经济被罚款几十万的案例.不负责任,信口开河出来混,早晚会还的.

Diploma education bonus:
A well-deserved rew ard for your efforts
To  reward the efforts you've made to ensure your child's
future ,we will pay an education bonus into the plan once
your monthly deposit commitment is fulfilled.
This bonus can reach up to 15% of the total monthly
payments made and is based on the beneficiary's age
when the plan was created.This bonus will be added to
the amounts accumulated in the plan and will be paid as
an Educational Assistance Payment (EAP).The earlier you
invest,the more you save and the higher your Diploma
education bonus will be .