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Heritage Education Funds Inc.
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LATEST NEWS: Conservative government makes campaign promise to increase federal government grants towards RESPs. 

These proposed increases can accelerate your RESP by maximizing the grant amounts you can potentially earn. Learn more about how this increase can affect your RESP, and potentially jump start it!
A re-elected Conservative government would give a boost to some families trying to save money for post-secondary education, Tory Leader Stephen Harper said Tuesday.
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Teaching your teens about money can be frustrating. Make it easier on you, and them, with these awesome tips. http://ow.ly/QLuFB
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With the Universal Child Care Benefit being retroactively paid out, you can add it to your RESP contributions to maximize the grants you can get. These grants will give your RESP a boost! Take a look at our UCCB page on HeritageRESP.com for more information on how to jumpstart your RESP.

http://www.heritageresp.com/uccb
Learn about the new Universal Child Care Benefit payouts beginning July 20th, and how to best leverage this benefit towards a Heritage RESP. Click to learn more!
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RDSPs: What Parents Need To Know: http://hubs.ly/y0RW4H0 
While it’s likely that most Canadian parents have heard of RESPs, the term RDSP (Registered Disability Savings Plan) may be..
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Not clear on your maturity options? Watch this short video to help you better-understand the maturity options available to you as a Heritage Education Funds subscriber: http://hubs.ly/y0RJJq0 
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Want a chance to win 1 of 8 $2,500 Heritage RESP contributions*? Here’s how: http://hubs.ly/y0RJDy0

* No Purchase necessary. Contest closes on December 31, 2015. Open to age of majority residents of Canada. Skill-testing question required. Odds of winning depend on the number of eligible entries received. To enter or for full contest rules, visit http://hubs.ly/y0RJDz0.

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Not sure which maturity options are available? Click here to check out a video on plan maturity.
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Maturity time is upon us. Here's our newest blog on how to stay on top of the rules and regulations during this time. A few things that you might not have known! Be sure to check it out today.

http://blog.heritageresp.com/heritage-resp-withdrawal-rules-and-guidelines/
Heritage RESPs are maturing. Some key advice on RESP withdrawal rules and guidelines to make sure you know all you need.
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We’re giving away 1 of 8 $2,500 Heritage RESP contributions*! Enter to win: http://hubs.ly/y0RW9n0

* No Purchase necessary. Contest closes on December 31, 2015. Open to age of majority residents of Canada. Skill-testing question required. Odds of winning depend on the number of eligible entries received. To enter or for full contest rules, visit http://hubs.ly/y0RW9q0.
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Check out this great infographic on fever facts: http://hubs.ly/y0RLk90 
Your little one has a fever and you need to act. Get the facts on how to treat it, how not to treat it, which medications to choose and when to worry.
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2015 has been a great year for Heritage so far. It’s also our 50th anniversary!! http://hubs.ly/y0RJzS0 
A leading, trusted and experienced provider of Registered Education Savings Plans (“RESPs”) in Canada, is delighted to be celebrating 50 years of helping families achieve their educational dreams.
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Still have questions about the cancellation of the ACES grant? Visit our ACES page for more details: http://hubs.ly/y0KQBC0 
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People
Have them in circles
73 people
Mark Brown's profile photo
Doug Hicks's profile photo
Gridy Fang's profile photo
Ade Aline's profile photo
Rashid Rasheed's profile photo
Nizam Sikdar's profile photo
Dr Rajan Chopra's profile photo
Felipe Miguel's profile photo
Nick Winton's profile photo
Contact Information
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1-800-739-2101
Email
Address
2005 Sheppard Ave East, Suite 700 Toronto, Ontario M2J 5B4
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Start Early. Save Often. Stay Invested.™ Helping families save since 1965.
Introduction

Heritage Education Funds is one of Canada’s leading distributors of group Registered Education Savings Plans (RESPs), with over $2.33 billion in assets under administration and 50 years of experience. A Heritage RESP is one of the best and easiest ways to save for a child’s post-secondary education. The Heritage Education Funds RESPs offer flexible savings options to suit your needs and help you give a child a bright future through the gift of education.

With Heritage Education Funds, your Registered Education Savings Plan (RESP) net contributions and government grants are invested in lower risk, fixed-income securities such as guaranteed investment certificates, federal, provincial and municipal bonds, term deposits, government treasury bills and mortgage-backed securities that earn a stable and competitive return.  There is also more earning power where the pooled income earned in the plans can be invested in a mix of Canadian equities, US and Canadian Exchange Traded Funds (ETFs) and corporate bonds to give your investment a necessary boost, ensuring it earns a competitive and consistent return over the life of the plan.  Best of all, the earnings on these investments (including those earned on the government incentives) are tax-sheltered until the plan matures. View our website for more details about government grants in your province.


Our websites are available in English, French and Chinese: HeritageRESP.com

Call us toll-free at 1.800.739.2101

Email:CustomerCare@HeritageRESP.com


By 2033, a post-secondary education could cost over $122,000!* If you have young children or you’re expecting your first child, it makes sense to learn about an easy way to start saving now, so that you’ll be prepared when your child is ready for college or university.


The best way to save for your child’s college or university education is with a Registered Education Savings Plan (RESP). Heritage Education Funds has been helping parents save for post-secondary education for 50 years.


RESPs have special advantages that really help parents save more money in a shorter span of time. Government grant programs contribute to RESPs, usually equal to a certain percentage of what you have contributed in a given year. For example, the Canada Education Savings Grant tops-up your annual contributions by an extra 20%, up to $7,200 over the lifetime of your child’s RESP. **


You may think that saving for post-secondary education is very similar to saving for retirement – and it is, in as much as both generally involve investing; however, the similarity ends there. That’s why it pays to consider using a provider specializing in this type of investment. At Heritage Education Funds, we’re RESP experts – that’s all we do. We place your net contributions and government grants in lower risk investments that earn a competitive return. Consider this: the value of our clients’ accounts has never decreased year-over-year; not even during the global financial crisis.


Use these pages to find out more about RESPs and Heritage Education Funds. We invite your comments and questions, which can be submitted to CustomerCare@HeritageRESP.com


Because the nature of our business involves the personal information of our clients and their children, we review and, when appropriate, provide non-personalized information regarding the comments or questions before posting on the Wall.


You can also check out our videos to get answers to the most popular questions about RESPs.


Visit our Articles page to find out why RESP investing is significantly different than saving for your retirement.


At Heritage we help you make the most of your RESP savings, from helping you with the paperwork and making sure you get the grants you may be entitled to each year, to ensuring your money is invested to create a brighter, more secure future for your child through the gift of post-secondary education.


* This amount is calculated using the average annual increase of 4.38% in the total cost of tuition and compulsory and/or incidental fees for 4 years of undergraduate studies between 1990-1991 and 2016-2017. The total costs of living expenses and accommodation for the 2013/2014 academic year was approximately $10,000. The average annual increase has been calculated using the average rate of inflation for Canada over the last 25 years of 2.07% and the total of 4 years of living expenses and accommodation has been added to the total cost of 4 years of undergraduate studies. Sources: Canadian Centre for Policy Alternatives, Statistics Canada, September 2013; The Globe and Mail, May 2014; www.inflation.eu.

**Certain conditions apply.

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