{"id":2891,"date":"2023-10-07T09:15:24","date_gmt":"2023-10-07T04:15:24","guid":{"rendered":"https:\/\/101insurance.ca\/?p=2891"},"modified":"2025-03-27T17:01:16","modified_gmt":"2025-03-27T12:01:16","slug":"tai-khoan-tiet-kiem-giao-duc-resp-phan-2","status":"publish","type":"post","link":"https:\/\/101insurance.ca\/vi\/tai-khoan-tiet-kiem-giao-duc-resp-phan-2\/","title":{"rendered":"T\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m gi\u00e1o d\u1ee5c (RESP) \u2013 Ph\u1ea7n 2: C\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a RESP"},"content":{"rendered":"\n
\"\"\/<\/figure>\n\n\n\n

Ti\u1ebfp theo b\u00e0i vi\u1ebft v\u1ec1 RESP ph\u1ea7n 1 l\u1ea7n tr\u01b0\u1edbc, b\u00e0i vi\u1ebft n\u00e0y ti\u1ebfp n\u1ed1i \u0111\u00e0o s\u00e2u h\u01a1n v\u1ec1 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a RESP, l\u1ee3i \u00edch v\u1ec1 thu\u1ebf \u0111\u1ed1i v\u1edbi t\u00e0i kho\u1ea3n RESP. N\u1ebfu b\u1ea1n n\u00e0o ch\u01b0a c\u00f3 d\u1ecbp xem ph\u1ea7n 1 th\u00ec n\u00ean t\u00ecm \u0111\u1ecdc l\u1ea1i ph\u1ea7n 1 t\u1ea1i \u0111\u00e2y<\/a> nh\u00e9.<\/p>\n\n\n\n

Khi post b\u00e0i \u1edf ph\u1ea7n 1, c\u00f3 m\u1ed9t b\u1ea1n nh\u1eadn \u0111\u1ecbnh r\u1eb1ng vi\u1ec7c b\u1ecf ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n RESP l\u00e0 s\u1ebd b\u1ecb l\u1ed7, v\u00ec 20 n\u0103m n\u1eefa th\u00ec ti\u1ec1n s\u1ebd b\u1ecb m\u1ea5t gi\u00e1 so v\u1edbi hi\u1ec7n t\u1ea1i. \u0110\u00e2y l\u00e0 sai l\u1ea7m c\u1ee7a r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi v\u00ec hi\u1ec3u sai v\u1ec1 c\u00e1ch th\u1ee9c v\u1eadn h\u00e0nh c\u1ee7a RESP. M\u00ecnh c\u00f3 th\u1ec3 so s\u00e1nh th\u1ebf n\u00e0y cho d\u1ec5 hi\u1ec3u, gi\u1ea3 s\u1eed m\u00ecnh t\u1ea1o ra m\u1ed9t c\u00e1i h\u00f2m ti\u1ebft ki\u1ec7m cho con m\u00ecnh (con m\u00ecnh \u0111\u00e3 tr\u00ean 18 tu\u1ed5i), m\u00ecnh b\u1ea3o con l\u00e0 n\u1ebfu con b\u1ecf $100 h\u00e0ng th\u00e1ng v\u00e0o \u0111\u00f3 \u0111\u1ec3 ti\u1ebft ki\u1ec7m cho con l\u1ea5y v\u1ee3 sau n\u00e0y, m\u1ed7i l\u1ea7n con b\u1ecf $100, m\u1eb9 s\u1ebd cho con th\u00eam $20. Vi\u1ec7c con b\u1ecf ti\u1ec1n v\u00e0o \u0111\u00f3 c\u00f3 th\u1ec3 con b\u1ecf ti\u1ec1n m\u1eb7t, c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu, v\u00e0ng… g\u00ec \u0111\u00f3 l\u00e0 t\u00f9y con. Con c\u00f3 th\u1ec3 m\u01b0\u1ee3n ra mua b\u00e1n g\u00ec \u0111\u00f3 l\u1eddi l\u1ed7 th\u1ebf n\u00e0o kh\u00f4ng bi\u1ebft nh\u01b0ng sau khi b\u00e1n xong th\u00ec ti\u1ec1n \u0111\u00f3 con tr\u1ea3 v\u1ec1 l\u1ea1i ch\u1ed7 c\u0169, kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1eef. T\u1edbi khi con \u0111i l\u1ea5y v\u1ee3 th\u00ec m\u1eb9 cho con to\u00e0n quy\u1ec1n s\u1eed d\u1ee5ng c\u00e1i h\u00f2m \u0111\u00f3.<\/p>\n\n\n\n

RESP l\u00e0 \u0111\u1ea1i di\u1ec7n cho c\u00e1i h\u00f2m tr\u00ean. M\u1ee5c \u0111\u00edch nh\u00e0 n\u01b0\u1edbc t\u1ea1o ra l\u00e0 \u0111\u1ec3 khuy\u1ebfn kh\u00edch ba m\u1eb9 ti\u1ebft ki\u1ec7m ti\u1ec1n cho con c\u00e1i \u0111i h\u1ecdc sau n\u00e0y, v\u1edbi s\u1ef1 \u0111\u00f3ng g\u00f3p th\u00eam c\u1ee7a nh\u00e0 n\u01b0\u1edbc \u0111\u1ec3 t\u1ea1o \u0111\u1ed9ng l\u1ef1c khuy\u1ebfn kh\u00edch ti\u1ebft ki\u1ec7m l\u00e2u d\u00e0i. \u0110\u1ed3ng th\u1eddi, c\u00e1i h\u00f2m RESP n\u00e0y c\u00f3 th\u1ec3 l\u00e0 nhi\u1ec1u h\u00f2m, \u0111\u1eb7t m\u1ed7i n\u01a1i kh\u00e1c nhau ch\u1ee9 kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i l\u00e0 1 h\u00f2m. Vi\u1ec7c l\u1ef1a ch\u1ecdn kho\u1ea3n \u0111\u1ea7u t\u01b0 n\u00e0o \u0111\u1ec3 b\u1ecf v\u00e0o “c\u00e1i h\u00f2m” RESP \u0111\u00f3 l\u00e0 t\u00f9y quan \u0111i\u1ec3m, kh\u1ea3 n\u0103ng, s\u1edf th\u00edch t\u00e0i ch\u00ednh c\u1ee7a m\u1ed7i ng\u01b0\u1eddi. N\u1ebfu l\u1ef1a ch\u1ecdn th\u00f4ng minh th\u00ec t\u1edbi ng\u00e0y con \u0111i h\u1ecdc \u0111\u1ea1i h\u1ecdc, s\u1ed1 ti\u1ec1n \u0111\u00f3 s\u1ebd l\u1edbn h\u01a1n nhi\u1ec1u so v\u1edbi s\u1ed1 b\u1ea1n \u0111\u00e3 b\u1ecf ra ban \u0111\u1ea7u, c\u00f2n n\u1ebfu “xui” th\u00ec kh\u00f4ng nh\u1eefng l\u1ed7 c\u1ea3 l\u00e3i su\u1ea5t m\u00e0 c\u00f3 khi l\u1ed7 c\u1ea3 v\u1ed1n \ud83d\ude42 V\u1eady n\u00ean vi\u1ec7c l\u1ef1a ch\u1ecdn k\u00eanh \u0111\u1ea7u t\u01b0 v\u00f4 c\u00f9ng quan tr\u1ecdng, c\u1ea7n ph\u1ea3i c\u00f3 t\u1ea7m nh\u00ecn d\u00e0i h\u1ea1n (m\u00ecnh s\u1ebd vi\u1ebft k\u1ef9 h\u01a1n \u1edf ph\u1ea7n 3). H\u00e3y c\u00f9ng \u0111i\u1ec3m qua c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng v\u00e0 l\u1ee3i \u00edch v\u1ec1 thu\u1ebf c\u1ee7a RESP th\u1ebf n\u00e0o nh\u00e9.<\/p>\n\n\n\n

1. C\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a RESP<\/strong><\/h2>\n\n\n\n

Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a RESP c\u00f3 th\u1ec3 t\u1ea1m chia l\u00e0m 3 \u0111\u1ed1i t\u01b0\u1ee3ng sau:<\/p>\n\n\n\n

– Ng\u01b0\u1eddi m\u1edf t\u00e0i kho\u1ea3n (subscriber<\/strong>): Ng\u01b0\u1eddi \u0111\u00f3ng ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n RESP (\u1edf ph\u1ea7n l\u1edbn c\u00e1c tr\u01b0\u1eddng h\u1ee3p l\u00e0 ba m\u1eb9).<\/p>\n\n\n\n

– Nh\u00e0 t\u00e0i tr\u1ee3 (promoter<\/strong>, t\u1ea1m d\u1ecbch l\u00e0 nh\u00e0 t\u00e0i tr\u1ee3, v\u00ec m\u00ecnh kh\u00f4ng ngh\u0129 ra \u0111\u01b0\u1ee3c t\u1eeb n\u00e0o ph\u00f9 h\u1ee3p h\u01a1n): l\u00e0 ng\u01b0\u1eddi tr\u1ea3 l\u1ea1i ti\u1ec1n \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u00f3ng v\u00e0o, bao g\u1ed3m c\u1ea3 ph\u1ea7n thu nh\u1eadp \u0111\u01b0\u1ee3c ph\u00e1t sinh th\u00eam t\u1eeb s\u1ed1 ti\u1ec1n \u0111\u00e3 \u0111\u00f3ng v\u00e0o cho ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng.<\/p>\n\n\n\n

– Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng (beneficiary<\/strong>): l\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c nh\u1eadn ti\u1ec1n thanh to\u00e1n t\u1eeb ph\u1ea7n \u0111\u00e3 \u0111\u00f3ng v\u00e0o v\u00e0 ph\u1ea7n gi\u00e1 tr\u1ecb ph\u00e1t sinh trong t\u00e0i kho\u1ea3n n\u1ebfu \u0111i h\u1ecdc sau trung h\u1ecdc, c\u1ee5 th\u1ec3 trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p l\u00e0 con c\u00e1i.<\/p>\n\n\n\n

\u0110\u1ec3 tr\u00e1nh b\u00e0i vi\u1ebft qu\u00e1 d\u00e0i, m\u00ecnh t\u00f3m t\u1eaft quy tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a RESP nh\u01b0 bi\u1ec3u \u0111\u1ed3 b\u00ean d\u01b0\u1edbi. T\u1eeb ph\u1ea7n n\u00e0y tr\u1edf \u0111i, m\u00ecnh d\u00f9ng ti\u1ebfng anh cho c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u1ec3 b\u00e0i vi\u1ebft \u0111\u01b0\u1ee3c ng\u1eafn g\u1ecdn h\u01a1n\"\"<\/p>\n\n\n\n

2. H\u1ea1n m\u1ee9c t\u1ed1i \u0111a \u0111\u00f3ng v\u00e0o RESP<\/h2>\n\n\n\n

T\u1eeb n\u0103m 2007 tr\u1edf \u0111i, h\u1ea1n m\u1ee9c \u0111\u00f3ng v\u00e0o RESP h\u00e0ng n\u0103m kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n, tuy nhi\u00ean h\u1ea1n m\u1ee9c cho t\u1ea5t c\u1ea3 c\u00e1c t\u00e0i kho\u1ea3n RESP cho c\u1ea3 cu\u1ed9c \u0111\u1eddi c\u1ee7a m\u1ed9t ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 $50,000<\/strong>. Ph\u1ea7n h\u1ea1n m\u1ee9c n\u00e0y kh\u00f4ng bao g\u1ed3m c\u00e1c tr\u1ee3 c\u1ea5p c\u1ee7a ch\u00ednh ph\u1ee7 v\u00e0 t\u1ec9nh bang.<\/p>\n\n\n\n

\ud83d\udc49N\u1ebfu \u0111\u00f3ng v\u01b0\u1ee3t qu\u00e1 h\u1ea1n m\u1ee9c s\u1ebd th\u1ebf n\u00e0o?<\/strong><\/p>\n\n\n\n

Ph\u1ea7n v\u01b0\u1ee3t qu\u00e1 h\u1ea1n m\u1ee9c \u0111\u00f3ng RESP s\u1ebd b\u1ecb \u0111\u00e1nh thu\u1ebf 1% <\/strong>m\u1ed7i th\u00e1ng n\u1ebfu kh\u00f4ng r\u00fat ph\u1ea7n d\u01b0 \u0111\u00f3 kh\u1ecfi RESP.<\/p>\n\n\n\n

3. Th\u1eddi h\u1ea1n \u0111\u00f3ng RESP<\/strong><\/h2>\n\n\n\n

Th\u1eddi h\u1ea1n tr\u1ec5 nh\u1ea5t \u0111\u00f3ng v\u00e0o m\u1ed9t t\u00e0i kho\u1ea3n RESP l\u00e0 v\u00e0o n\u0103m th\u1ee9 31 k\u1ec3<\/strong> t\u1eeb ng\u00e0y m\u1edf t\u00e0i kho\u1ea3n n\u00e0y. \u0110\u1ed3ng th\u1eddi, t\u00e0i kho\u1ea3n ph\u1ea3i \u0111\u01b0\u1ee3c k\u1ebft th\u00fac (completed) v\u00e0o n\u0103m th\u1ee9 35 k\u1ec3<\/strong> t\u1eeb ng\u00e0y m\u1edf t\u00e0i kho\u1ea3n. Hay n\u00f3i c\u00e1ch \u0111\u01a1n gi\u1ea3n kh\u00e1c, v\u00ed d\u1ee5 b\u1ea1n m\u1edf m\u1ed9t t\u00e0i kho\u1ea3n RESP khi con b\u1ea1n m\u1edbi sinh ra, th\u00ec \u0111\u1ebfn n\u0103m b\u00e9 31 tu\u1ed5i l\u00e0 b\u1ea1n kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00f3ng th\u00eam n\u1eefa, v\u00e0 vi\u1ec7c thanh to\u00e1n l\u1ea1i ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n RESP \u0111\u1ec3 h\u1ed7 tr\u1ee3 vi\u1ec7c h\u1ecdc cho b\u00e9 ph\u1ea3i k\u1ebft th\u00fac tr\u01b0\u1edbc n\u0103m b\u00e9 35 tu\u1ed5i.<\/p>\n\n\n\n

4. C\u00e1c tr\u01b0\u1eddng h\u1ee3p thanh to\u00e1n ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n RESP<\/strong><\/h2>\n\n\n\n

C\u00e1c tr\u01b0\u1eddng h\u1ee3p thanh to\u00e1n ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n RESP c\u00f3 th\u1ec3 chia l\u00e0m 6 m\u1ee5c nh\u01b0 sau:<\/p>\n\n\n\n

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T\u00f3m t\u1eaft c\u00e1c ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n RESP<\/figcaption><\/figure>\n\n\n\n

V\u00ec 6 ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n l\u00e0 qu\u00e1 nhi\u1ec1u \u0111\u1ec3 vi\u1ebft trong 1 b\u00e0i, n\u00ean h\u00f4m nay m\u00ecnh vi\u1ebft 2 tr\u01b0\u1eddng h\u1ee3p ch\u00ednh \u0111\u1ea7u ti\u00ean th\u00f4i.<\/p>\n\n\n\n

\u0110\u1ec3 d\u1ec5 hi\u1ec3u h\u01a1n v\u1ec1 c\u01a1 c\u1ea5u c\u1ee7a 1 t\u00e0i kho\u1ea3n RESP, m\u00ecnh v\u1ebd ra bi\u1ec3u \u0111\u1ed3 nh\u01b0 sau:<\/p>\n\n\n\n

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C\u01a1 c\u1ea5u t\u00e0i kho\u1ea3n RESP<\/figcaption><\/figure>\n\n\n\n

4.1. Ho\u00e0n tr\u1ea3 ph\u1ea7n g\u1ed1c \u0111\u00f3ng g\u00f3p cho subscriber\/beneficiary<\/strong><\/h3>\n\n\n\n

V\u00ec ph\u1ea7n ti\u1ec1n \u0111\u00f3ng v\u00e0o RESP kh\u00f4ng \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb trong thu nh\u1eadp t\u00ednh thu\u1ebf, n\u00ean Promoter c\u00f3 th\u1ec3 ho\u00e0n tr\u1ea3 ph\u1ea7n ti\u1ec1n g\u1ed1c cho subscriber ho\u1eb7c beneficiary tr\u01b0\u1edbc ho\u1eb7c khi k\u1ebft th\u00fac h\u1ee3p \u0111\u1ed3ng m\u00e0 kh\u00f4ng b\u1ecb t\u00ednh th\u00eam v\u00e0o thu nh\u1eadp ch\u1ecbu thu\u1ebf (tax-free). Tr\u01b0\u1eddng h\u1ee3p n\u00e0y c\u00f3 th\u1ec3 x\u1ea3y ra khi h\u1ee3p \u0111\u1ed3ng t\u00e0i kho\u1ea3n RESP c\u1ee7a b\u1ea1n h\u1ebft h\u1ea1n; ho\u1eb7c b\u1ea1n mu\u1ed1n \u0111\u00f3ng t\u00e0i kho\u1ea3n tr\u01b0\u1edbc h\u1ea1n; ho\u1eb7c b\u1ea1n mu\u1ed1n r\u00fat ra m\u1ed9t ph\u1ea7n g\u1ed1c v\u00ec ti\u1ec1n EAP kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 chi tr\u1ea3 chi ph\u00ed h\u1ecdc h\u00e0nh c\u1ee7a beneficiary.<\/p>\n\n\n\n

4.2. Thanh to\u00e1n h\u1ed7 tr\u1ee3 gi\u00e1o d\u1ee5c – Educational Assistance Payments (EAP)<\/strong><\/h3>\n\n\n\n

EAP l\u00e0 ph\u1ea7n ti\u1ec1n m\u00e0 t\u00e0i kho\u1ea3n RESP tr\u1ea3 cho h\u1ecdc sinh (t\u1ee9c beneficiary) \u0111\u1ec3 h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh cho c\u00e1c chi ph\u00ed cho vi\u1ec7c h\u1ecdc \u1edf b\u1eadc sau trung h\u1ecdc (post-secondary). Ph\u1ea7n EAP n\u00e0y bao g\u1ed3m ph\u1ea7n h\u1ed7 tr\u1ee3 t\u1eeb nh\u00e0 n\u01b0\u1edbc (CESG, CLB, ti\u1ec1n h\u1ed7 tr\u1ee3 c\u1ee7a t\u1ec9nh bang) v\u00e0 ph\u1ea7n l\u1ee3i nhu\u1eadn ph\u00e1t sinh t\u1eeb ti\u1ec1n g\u1eedi n\u1eb1m trong RESP.<\/p>\n\n\n\n

Promoter ph\u1ea3i khai b\u00e1o ph\u1ea7n EAP n\u00e0y trong t\u1edd T4A v\u00e0 g\u1eedi 1 b\u1ea3n sao cho h\u1ecdc sinh \u0111\u00f3. H\u1ecdc sinh \u0111\u00f3 s\u1ebd ph\u1ea3i khai b\u00e1o ph\u1ea7n thu nh\u1eadp t\u1eeb EAP n\u00e0y v\u00e0o ph\u1ea7n khai thu\u1ebf trong n\u0103m nh\u1eadn \u0111\u01b0\u1ee3c ph\u1ea7n EAP \u0111\u00f3.<\/strong><\/p>\n\n\n\n

\ud83d\udc49<\/strong>L\u01b0u \u00fd: <\/em><\/strong>\u0111\u1ec3 nh\u1eadn ph\u1ea7n tr\u1ee3 c\u1ea5p n\u1eb1m trong EAP, beneficiary ph\u1ea3i th\u1ecfa \u0111i\u1ec1u ki\u1ec7n l\u00e0 ng\u01b0\u1eddi c\u01b0 tr\u00fa (resident) t\u1ea1i Canada\/t\u1ec9nh theo c\u00e1c \u0111i\u1ec1u ki\u1ec7n nh\u1eadn CESG\/CLB\/ ti\u1ec1n tr\u1ee3 c\u1ea5p t\u1eeb t\u1ec9nh bang t\u1ea1i th\u1eddi \u0111i\u1ec3m nh\u1eadn \u0111\u00f3. C\u00e1c \u0111i\u1ec1u ki\u1ec7n n\u00e0y xem l\u1ea1i \u1edf ph\u1ea7n 1.<\/p>\n\n\n\n

\ud83d\udc49\u0110\u1ec3 promoter chi tr\u1ea3 ph\u1ea7n EAP n\u00e0y, m\u1ed9t trong c\u00e1c \u0111i\u1ec1u ki\u1ec7n sau c\u1ea7n ph\u1ea3i th\u1ecfa:<\/strong><\/p>\n\n\n\n

– H\u1ecdc sinh \u0111\u0103ng k\u00fd v\u00e0o m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh gi\u00e1o d\u1ee5c th\u1ecfa \u0111i\u1ec1u ki\u1ec7n (qualifying<\/strong>): l\u00e0 m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh \u0111\u01b0\u1ee3c cung c\u1ea5p b\u1edfi m\u1ed9t tr\u01b0\u1eddng sau b\u1eadc trung h\u1ecdc, k\u00e9o d\u00e0i \u00edt nh\u1ea5t 3 tu\u1ea7n li\u00ean t\u1ee5c, v\u00e0 y\u00eau c\u1ea7u h\u1ecdc sinh ph\u1ea3i h\u1ecdc \u00edt nh\u1ea5t 10 ti\u1ebfng\/tu\u1ea7n ho\u1eb7c l\u00e0m vi\u1ec7c trong ch\u01b0\u01a1ng tr\u00ecnh; ho\u1eb7c,<\/p>\n\n\n\n

– H\u1ecdc sinh \u0111\u1ea1t 16 tu\u1ed5i v\u00e0 \u0111\u0103ng k\u00fd v\u00e0o ch\u01b0\u01a1ng tr\u00ecnh gi\u00e1o d\u1ee5c c\u1ee5 th\u1ec3 (specified<\/strong>): l\u00e0 m\u1ed9t ch\u01b0\u01a1ng tr\u00ecnh \u0111\u01b0\u1ee3c cung c\u1ea5p b\u1edfi m\u1ed9t tr\u01b0\u1eddng sau b\u1eadc trung h\u1ecdc, k\u00e9o d\u00e0i \u00edt nh\u1ea5t 3 tu\u1ea7n li\u00ean t\u1ee5c, v\u00e0 y\u00eau c\u1ea7u h\u1ecdc sinh ph\u1ea3i h\u1ecdc \u00edt nh\u1ea5t 12 ti\u1ebfng\/th\u00e1ng.<\/p>\n\n\n\n

\ud83d\udc49 \u0110\u1ecbnh ngh\u0129a tr\u01b0\u1eddng sau b\u1eadc trung h\u1ecdc:<\/strong><\/p>\n\n\n\n

– \u0110\u1ea1i h\u1ecdc, cao \u0111\u1eb3ng, ho\u1eb7c c\u00e1c t\u1ed5 ch\u1ee9c gi\u00e1o d\u1ee5c \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh (designated) t\u1ea1i Canada<\/p>\n\n\n\n

– M\u1ed9t t\u1ed5 ch\u1ee9c gi\u00e1o d\u1ee5c \u1edf Canada \u0111\u01b0\u1ee3c ch\u1ee9ng nh\u1eadn b\u1edfi B\u1ed9 ph\u00e1t tri\u1ec3n lao \u0111\u1ed9ng v\u00e0 x\u00e3 h\u1ed9i c\u1ee7a Canada (ESDC)<\/p>\n\n\n\n

– M\u1ed9t tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc b\u00ean ngo\u00e0i Canada cung c\u1ea5p c\u00e1c kh\u00f3a h\u1ecdc t\u01b0\u01a1ng \u0111\u01b0\u01a1ng tr\u00ecnh \u0111\u1ed9 sau trung h\u1ecdc, n\u01a1i m\u00e0 h\u1ecdc sinh \u0111\u0103ng k\u00fd theo h\u1ecdc to\u00e0n th\u1eddi gian tr<\/strong>ong m\u1ed9t kh\u00f3a h\u1ecdc k\u00e9o d\u00e0i \u00edt nh\u1ea5t 3 tu\u1ea7n <\/strong>li\u00ean ti\u1ebfp.<\/p>\n\n\n\n

– M\u1ed9t tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc, cao \u0111\u1eb3ng ho\u1eb7c t\u1ed5 ch\u1ee9c gi\u00e1o d\u1ee5c ngo\u00e0i Canada cung c\u1ea5p c\u00e1c kh\u00f3a h\u1ecdc t\u01b0\u01a1ng \u0111\u01b0\u01a1ng tr\u00ecnh \u0111\u1ed9 sau trung h\u1ecdc, n\u01a1i m\u00e0 h\u1ecdc sinh \u0111\u0103ng k\u00fd theo h\u1ecdc 1 kh\u00f3a h\u1ecdc k\u00e9o d\u00e0i \u00edt nh\u1ea5t 13 tu\u1ea7n <\/strong>li\u00ean ti\u1ebfp.<\/p>\n\n\n\n

\ud83d\udc49 H\u1ea1n m\u1ee9c t\u1ed1i \u0111a thanh to\u00e1n EAP:<\/strong><\/p>\n\n\n\n

– \u0110\u1ed1i v\u1edbi ch\u01b0\u01a1ng tr\u00ecnh qualifying<\/strong>: chi tr\u1ea3 EAP t\u1ed1i \u0111a l\u00e0 $5,000 trong 13 tu\u1ea7n li\u00ean ti\u1ebfp \u0111\u1ea7u ti\u00ean c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh. Sau 13 tu\u1ea7n n\u00e0y th\u00ec EAP kh\u00f4ng c\u00f3 h\u1ea1n m\u1ee9c, mi\u1ec5n l\u00e0 h\u1ecdc sinh v\u1eabn th\u1ecfa \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 nh\u1eadn EAP. N\u1ebfu h\u1ecdc sinh gi\u00e1n \u0111o\u1ea1n h\u1ecdc t\u1eeb 12 th\u00e1ng tr\u1edf l\u00ean, h\u1ea1n m\u1ee9c $5,000 n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh l\u1ea1i l\u1ea7n n\u1eefa.<\/p>\n\n\n\n

– \u0110\u1ed1i v\u1edbi ch\u01b0\u01a1ng tr\u00ecnh specified:<\/strong> chi tr\u1ea3 EAP t\u1ed1i \u0111a l\u00e0 $2,500 trong 13 tu\u1ea7n.<\/p>\n\n\n\n

\ud83d\udc49L\u1ee3i \u00edch v\u1ec1 thu\u1ebf?<\/strong><\/p>\n\n\n\n

Nh\u01b0 \u0111\u00e3 trao \u0111\u1ed5i \u1edf tr\u00ean, v\u00ec ph\u1ea7n EAP n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh v\u00e0o income c\u1ee7a h\u1ecdc sinh t\u1ea1i n\u0103m \u0111\u01b0\u1ee3c nh\u1eadn, n\u00ean \u0111a ph\u1ea7n c\u00e1c tr\u01b0\u1eddng h\u1ee3p th\u00ec s\u1ebd r\u1ea5t \u0111\u01b0\u1ee3c l\u1ee3i v\u1ec1 thu\u1ebf. N\u1ebfu l\u00fac n\u00e0y h\u1ecdc sinh kh\u00f4ng \u0111i l\u00e0m, khung \u0111\u00f3ng thu\u1ebf (tax bracket) l\u00fac n\u00e0y c\u1ee7a h\u1ecdc sinh th\u01b0\u1eddng \u1edf m\u1ee9c th\u1ea5p nh\u1ea5t. N\u1ebfu thu nh\u1eadp d\u01b0\u1edbi $11,000 th\u00ec m\u1ee9c \u0111\u00f3ng thu\u1ebf l\u00e0 0. Ch\u01b0a k\u1ec3, m\u1ed9t ph\u1ea7n ti\u1ec1n chi tr\u1ea3 ti\u1ec1n h\u1ecdc ph\u00ed c\u1ee7a h\u1ecdc sinh s\u1ebd \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb v\u00e0o thu nh\u1eadp \u0111\u00f3ng thu\u1ebf c\u1ee7a nh\u1eefng n\u0103m sau khi h\u1ecdc sinh \u0111\u00e3 tham gia v\u00e0o th\u1ecb tr\u01b0\u1eddng lao \u0111\u1ed9ng.<\/p>\n\n\n\n

Ch\u00ednh v\u00ec v\u1eady, m\u00e0 nh\u1eefng ph\u1ee5 huynh coi tr\u1ecdng vi\u1ec7c \u0111\u1ea7u t\u01b0, s\u1ebd r\u1ea5t th\u00edch t\u1eadn d\u1ee5ng t\u00e0i kho\u1ea3n RESP n\u00e0y v\u1eeba \u0111\u1ec3 ti\u1ebft ki\u1ec7m ti\u1ec1n gi\u00e1o d\u1ee5c cho con, v\u1eeba gi\u1ea3m thi\u1ec3u t\u1ed1i \u0111a ph\u1ea7n thu\u1ebf ph\u1ea3i \u0111\u00f3ng cho l\u00e3i su\u1ea5t ph\u00e1t sinh trong \u0111\u1ea7u t\u01b0. M\u00ecnh gi\u1ea3 s\u1eed, n\u1ebfu b\u1ea1n \u0111\u00e3 t\u1ed1i \u0111a h\u1ebft c\u00e1c kho\u1ea3n RRSP, TFSA, b\u1ea1n d\u00f9ng ti\u1ec1n \u0111\u1ea7u t\u01b0 \u1edf nh\u1eefng t\u00e0i kho\u1ea3n kh\u00e1c (kh\u00f4ng ph\u1ea3i registered) n\u00e0y, th\u00ec ph\u1ea7n thu nh\u1eadp ph\u00e1t sinh trong \u0111\u1ea7u t\u01b0 kh\u00f4ng ch\u1ec9 b\u1ecb \u0111\u00e1nh thu\u1ebf \u1edf m\u1ee9c thu nh\u1eadp hi\u1ec7n t\u1ea1i c\u1ee7a b\u1ea1n (ch\u1eafc ch\u1eafn l\u00e0 cao h\u01a1n m\u1ee9c thu nh\u1eadp c\u1ee7a 1 h\u1ecdc sinh), m\u00e0 c\u00f2n b\u1ecb \u0111\u00e1nh thu\u1ebf cao \u1edf m\u1ed9t s\u1ed1 c\u00e1c c\u00f4ng c\u1ee5 \u0111\u1ea7u t\u01b0 th\u00f4ng d\u1ee5ng, th\u01b0\u1eddng l\u00e0 thu\u1ebf th\u1eb7ng d\u01b0 v\u1ed1n (capital gain; 50%) ho\u1eb7c thu\u1ebf c\u1ed5 t\u1ee9c (dividend tax, 15-38%). B\u00e0i vi\u1ebft n\u00e0y t\u1ea1m kh\u00f4ng b\u00e0n t\u1edbi c\u00e1c bi\u1ec7n ph\u00e1p \u0111\u1ea7u t\u01b0 tr\u1ed1n thu\u1ebf (illegal) nh\u00e9 \ud83d\ude42<\/p>\n\n\n\n

B\u00e0i vi\u1ebft h\u1eb3n \u0111\u00e3 r\u1ea5t d\u00e0i. M\u00ecnh t\u1ea1m d\u1eebng t\u1ea1i \u0111\u00e2y. C\u00e1c b\u1ea1n \u0111\u00f3n xem ph\u1ea7n sau m\u00ecnh s\u1ebd vi\u1ebft ti\u1ebfp v\u1ec1 3 tr\u01b0\u1eddng h\u1ee3p thanh to\u00e1n c\u00f2n l\u1ea1i v\u00e0 c\u00e1c ph\u01b0\u01a1ng th\u1ee9c \u0111\u1ea7u t\u01b0 cho RESP nh\u00e9.<\/p>\n\n\n\n

Sarah Do,<\/em><\/strong><\/p>\n\n\n\n

Life, Health & Travel Insurance License.<\/em><\/strong><\/p>\n\n\n\n

[Disclaimer: <\/em><\/strong>B\u00e0i vi\u1ebft ch\u1ec9 nh\u1eb1m cung c\u1ea5p th\u00f4ng tin cho nh\u1eefng m\u1ee5c \u0111\u00edch c\u01a1 b\u1ea3n, v\u00e0 n\u00eau l\u00ean m\u1ed9t v\u00e0i quan \u0111i\u1ec3m c\u00e1 nh\u00e2n. \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 l\u1eddi khuy\u00ean v\u1ec1 t\u00e0i ch\u00ednh, \u0111\u1ea7u t\u01b0, thu\u1ebf, k\u1ebf to\u00e1n hay b\u1ea5t k\u1ef3 quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt n\u00e0o. C\u00e1 nh\u00e2n c\u00f3 nhu c\u1ea7u t\u01b0 v\u1ea5n v\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1 tr\u00ean vui l\u00f2ng t\u00ecm ki\u1ebfm chuy\u00ean vi\u00ean t\u01b0 v\u1ea5n chuy\u00ean nghi\u1ec7p.]<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Ti\u1ebfp theo b\u00e0i vi\u1ebft v\u1ec1 RESP ph\u1ea7n 1 l\u1ea7n tr\u01b0\u1edbc, b\u00e0i vi\u1ebft n\u00e0y ti\u1ebfp n\u1ed1i \u0111\u00e0o s\u00e2u h\u01a1n v\u1ec1 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a RESP, l\u1ee3i \u00edch v\u1ec1 thu\u1ebf \u0111\u1ed1i v\u1edbi t\u00e0i kho\u1ea3n RESP. N\u1ebfu b\u1ea1n n\u00e0o ch\u01b0a c\u00f3 d\u1ecbp xem ph\u1ea7n 1 th\u00ec n\u00ean t\u00ecm \u0111\u1ecdc l\u1ea1i ph\u1ea7n 1 t\u1ea1i \u0111\u00e2y nh\u00e9. Khi post b\u00e0i \u1edf ph\u1ea7n 1, c\u00f3 m\u1ed9t b\u1ea1n nh\u1eadn \u0111\u1ecbnh r\u1eb1ng vi\u1ec7c b\u1ecf ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n RESP l\u00e0 s\u1ebd b\u1ecb l\u1ed7, v\u00ec 20 n\u0103m n\u1eefa th\u00ec ti\u1ec1n s\u1ebd b\u1ecb m\u1ea5t gi\u00e1 so v\u1edbi hi\u1ec7n t\u1ea1i. \u0110\u00e2y l\u00e0 sai l\u1ea7m c\u1ee7a r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi v\u00ec hi\u1ec3u sai v\u1ec1 c\u00e1ch th\u1ee9c v\u1eadn h\u00e0nh c\u1ee7a RESP. M\u00ecnh c\u00f3 th\u1ec3 so s\u00e1nh th\u1ebf n\u00e0y cho d\u1ec5 hi\u1ec3u, gi\u1ea3 s\u1eed m\u00ecnh t\u1ea1o ra m\u1ed9t c\u00e1i h\u00f2m ti\u1ebft ki\u1ec7m cho con m\u00ecnh (con m\u00ecnh \u0111\u00e3 tr\u00ean 18 tu\u1ed5i), m\u00ecnh b\u1ea3o con l\u00e0 n\u1ebfu con b\u1ecf $100 h\u00e0ng th\u00e1ng v\u00e0o \u0111\u00f3 \u0111\u1ec3 ti\u1ebft ki\u1ec7m cho con l\u1ea5y v\u1ee3 sau n\u00e0y, m\u1ed7i l\u1ea7n con b\u1ecf $100, m\u1eb9 s\u1ebd cho con th\u00eam $20. Vi\u1ec7c con b\u1ecf ti\u1ec1n v\u00e0o \u0111\u00f3 c\u00f3 th\u1ec3 con b\u1ecf ti\u1ec1n m\u1eb7t, c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu, v\u00e0ng… g\u00ec \u0111\u00f3 l\u00e0 t\u00f9y con. Con c\u00f3 th\u1ec3 m\u01b0\u1ee3n ra mua b\u00e1n g\u00ec \u0111\u00f3 l\u1eddi l\u1ed7 th\u1ebf n\u00e0o kh\u00f4ng bi\u1ebft nh\u01b0ng sau khi b\u00e1n xong th\u00ec ti\u1ec1n \u0111\u00f3 con tr\u1ea3 v\u1ec1 l\u1ea1i ch\u1ed7 c\u0169, kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1eef. T\u1edbi khi con \u0111i l\u1ea5y v\u1ee3 th\u00ec m\u1eb9 cho con to\u00e0n quy\u1ec1n s\u1eed d\u1ee5ng c\u00e1i h\u00f2m \u0111\u00f3. RESP l\u00e0 \u0111\u1ea1i di\u1ec7n cho c\u00e1i h\u00f2m tr\u00ean. M\u1ee5c \u0111\u00edch nh\u00e0 n\u01b0\u1edbc t\u1ea1o ra l\u00e0 \u0111\u1ec3 khuy\u1ebfn kh\u00edch ba m\u1eb9 ti\u1ebft ki\u1ec7m ti\u1ec1n cho con c\u00e1i \u0111i h\u1ecdc sau n\u00e0y, v\u1edbi s\u1ef1 \u0111\u00f3ng g\u00f3p th\u00eam c\u1ee7a nh\u00e0 n\u01b0\u1edbc \u0111\u1ec3 t\u1ea1o \u0111\u1ed9ng l\u1ef1c khuy\u1ebfn kh\u00edch ti\u1ebft ki\u1ec7m l\u00e2u d\u00e0i. \u0110\u1ed3ng th\u1eddi, c\u00e1i h\u00f2m RESP n\u00e0y c\u00f3 th\u1ec3 l\u00e0 nhi\u1ec1u h\u00f2m, \u0111\u1eb7t m\u1ed7i n\u01a1i kh\u00e1c nhau ch\u1ee9 kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i l\u00e0 1 h\u00f2m. Vi\u1ec7c l\u1ef1a ch\u1ecdn kho\u1ea3n \u0111\u1ea7u t\u01b0 n\u00e0o \u0111\u1ec3 b\u1ecf v\u00e0o “c\u00e1i h\u00f2m” RESP \u0111\u00f3 l\u00e0 t\u00f9y quan \u0111i\u1ec3m, kh\u1ea3 n\u0103ng, s\u1edf th\u00edch t\u00e0i ch\u00ednh c\u1ee7a m\u1ed7i ng\u01b0\u1eddi. N\u1ebfu l\u1ef1a ch\u1ecdn th\u00f4ng minh th\u00ec t\u1edbi ng\u00e0y con \u0111i h\u1ecdc \u0111\u1ea1i h\u1ecdc, s\u1ed1 ti\u1ec1n \u0111\u00f3 s\u1ebd l\u1edbn h\u01a1n nhi\u1ec1u so v\u1edbi s\u1ed1 b\u1ea1n \u0111\u00e3 b\u1ecf ra ban \u0111\u1ea7u, c\u00f2n n\u1ebfu “xui” th\u00ec kh\u00f4ng nh\u1eefng l\u1ed7 c\u1ea3 l\u00e3i su\u1ea5t m\u00e0 c\u00f3 khi l\u1ed7 c\u1ea3 v\u1ed1n \ud83d\ude42 V\u1eady n\u00ean vi\u1ec7c l\u1ef1a ch\u1ecdn k\u00eanh \u0111\u1ea7u t\u01b0 v\u00f4 c\u00f9ng quan tr\u1ecdng, c\u1ea7n ph\u1ea3i c\u00f3 t\u1ea7m nh\u00ecn d\u00e0i h\u1ea1n (m\u00ecnh s\u1ebd vi\u1ebft k\u1ef9 h\u01a1n \u1edf ph\u1ea7n 3). H\u00e3y c\u00f9ng \u0111i\u1ec3m qua c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng v\u00e0 l\u1ee3i \u00edch v\u1ec1 thu\u1ebf c\u1ee7a RESP th\u1ebf n\u00e0o nh\u00e9. 1. C\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a RESP Ho\u1ea1t \u0111\u1ed9ng c\u1ee7a RESP c\u00f3 th\u1ec3 t\u1ea1m chia l\u00e0m 3 \u0111\u1ed1i t\u01b0\u1ee3ng sau: – Ng\u01b0\u1eddi m\u1edf t\u00e0i kho\u1ea3n (subscriber): Ng\u01b0\u1eddi \u0111\u00f3ng ti\u1ec1n v\u00e0o t\u00e0i kho\u1ea3n RESP (\u1edf ph\u1ea7n l\u1edbn c\u00e1c tr\u01b0\u1eddng h\u1ee3p l\u00e0 ba m\u1eb9). – Nh\u00e0 t\u00e0i tr\u1ee3 (promoter, t\u1ea1m d\u1ecbch l\u00e0 nh\u00e0 t\u00e0i tr\u1ee3, v\u00ec m\u00ecnh kh\u00f4ng ngh\u0129 ra \u0111\u01b0\u1ee3c t\u1eeb n\u00e0o ph\u00f9 h\u1ee3p h\u01a1n): l\u00e0 ng\u01b0\u1eddi tr\u1ea3 l\u1ea1i ti\u1ec1n \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u00f3ng v\u00e0o, bao g\u1ed3m c\u1ea3 ph\u1ea7n thu nh\u1eadp \u0111\u01b0\u1ee3c ph\u00e1t sinh th\u00eam t\u1eeb s\u1ed1 ti\u1ec1n \u0111\u00e3 \u0111\u00f3ng v\u00e0o cho ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng. – Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng (beneficiary): l\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c nh\u1eadn ti\u1ec1n thanh to\u00e1n t\u1eeb ph\u1ea7n \u0111\u00e3 \u0111\u00f3ng v\u00e0o v\u00e0 ph\u1ea7n gi\u00e1 tr\u1ecb ph\u00e1t sinh trong t\u00e0i kho\u1ea3n n\u1ebfu \u0111i h\u1ecdc sau trung h\u1ecdc, c\u1ee5 th\u1ec3 trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p l\u00e0 con c\u00e1i. \u0110\u1ec3 tr\u00e1nh b\u00e0i vi\u1ebft qu\u00e1 d\u00e0i, m\u00ecnh t\u00f3m t\u1eaft quy tr\u00ecnh ho\u1ea1t \u0111\u1ed9ng c\u1ee7a RESP nh\u01b0 bi\u1ec3u \u0111\u1ed3 b\u00ean d\u01b0\u1edbi. T\u1eeb ph\u1ea7n n\u00e0y tr\u1edf \u0111i, m\u00ecnh d\u00f9ng ti\u1ebfng anh cho c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u1ec3 b\u00e0i vi\u1ebft \u0111\u01b0\u1ee3c ng\u1eafn g\u1ecdn h\u01a1n 2. H\u1ea1n m\u1ee9c t\u1ed1i \u0111a \u0111\u00f3ng v\u00e0o RESP T\u1eeb n\u0103m 2007 tr\u1edf \u0111i, h\u1ea1n m\u1ee9c \u0111\u00f3ng v\u00e0o RESP h\u00e0ng n\u0103m kh\u00f4ng b\u1ecb gi\u1edbi h\u1ea1n, tuy nhi\u00ean h\u1ea1n m\u1ee9c cho t\u1ea5t c\u1ea3 c\u00e1c t\u00e0i kho\u1ea3n RESP cho c\u1ea3 cu\u1ed9c \u0111\u1eddi c\u1ee7a m\u1ed9t ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 $50,000. Ph\u1ea7n h\u1ea1n m\u1ee9c n\u00e0y kh\u00f4ng bao g\u1ed3m c\u00e1c tr\u1ee3 c\u1ea5p c\u1ee7a ch\u00ednh ph\u1ee7 v\u00e0 t\u1ec9nh bang. \ud83d\udc49N\u1ebfu \u0111\u00f3ng v\u01b0\u1ee3t qu\u00e1 h\u1ea1n m\u1ee9c s\u1ebd th\u1ebf n\u00e0o? Ph\u1ea7n v\u01b0\u1ee3t qu\u00e1 h\u1ea1n m\u1ee9c \u0111\u00f3ng RESP s\u1ebd b\u1ecb \u0111\u00e1nh thu\u1ebf 1% m\u1ed7i th\u00e1ng n\u1ebfu kh\u00f4ng r\u00fat ph\u1ea7n d\u01b0 \u0111\u00f3 kh\u1ecfi RESP. 3. Th\u1eddi h\u1ea1n \u0111\u00f3ng RESP Th\u1eddi h\u1ea1n tr\u1ec5 nh\u1ea5t \u0111\u00f3ng v\u00e0o m\u1ed9t t\u00e0i kho\u1ea3n RESP l\u00e0 v\u00e0o n\u0103m th\u1ee9 31 k\u1ec3 t\u1eeb ng\u00e0y m\u1edf t\u00e0i kho\u1ea3n n\u00e0y. \u0110\u1ed3ng th\u1eddi, t\u00e0i kho\u1ea3n ph\u1ea3i \u0111\u01b0\u1ee3c k\u1ebft th\u00fac (completed) v\u00e0o n\u0103m th\u1ee9 35 k\u1ec3 t\u1eeb ng\u00e0y m\u1edf t\u00e0i kho\u1ea3n. Hay n\u00f3i c\u00e1ch \u0111\u01a1n gi\u1ea3n kh\u00e1c, v\u00ed d\u1ee5 b\u1ea1n m\u1edf m\u1ed9t t\u00e0i kho\u1ea3n RESP khi con b\u1ea1n m\u1edbi sinh ra, th\u00ec \u0111\u1ebfn n\u0103m b\u00e9 31 tu\u1ed5i l\u00e0 b\u1ea1n kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00f3ng th\u00eam n\u1eefa, v\u00e0 vi\u1ec7c thanh to\u00e1n l\u1ea1i ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n RESP \u0111\u1ec3 h\u1ed7 tr\u1ee3 vi\u1ec7c h\u1ecdc cho b\u00e9 ph\u1ea3i k\u1ebft th\u00fac tr\u01b0\u1edbc n\u0103m b\u00e9 35 tu\u1ed5i. 4. C\u00e1c tr\u01b0\u1eddng h\u1ee3p thanh to\u00e1n ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n RESP C\u00e1c tr\u01b0\u1eddng h\u1ee3p thanh to\u00e1n ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n RESP c\u00f3 th\u1ec3 chia l\u00e0m 6 m\u1ee5c nh\u01b0 sau: V\u00ec 6 ph\u01b0\u01a1ng th\u1ee9c thanh to\u00e1n l\u00e0 qu\u00e1 nhi\u1ec1u \u0111\u1ec3 vi\u1ebft trong 1 b\u00e0i, n\u00ean h\u00f4m nay m\u00ecnh vi\u1ebft 2 tr\u01b0\u1eddng h\u1ee3p ch\u00ednh \u0111\u1ea7u ti\u00ean th\u00f4i. \u0110\u1ec3 d\u1ec5 hi\u1ec3u h\u01a1n v\u1ec1 c\u01a1 c\u1ea5u c\u1ee7a 1 t\u00e0i kho\u1ea3n RESP, m\u00ecnh v\u1ebd ra bi\u1ec3u \u0111\u1ed3 nh\u01b0 sau: 4.1. Ho\u00e0n tr\u1ea3 ph\u1ea7n g\u1ed1c \u0111\u00f3ng g\u00f3p cho subscriber\/beneficiary V\u00ec ph\u1ea7n ti\u1ec1n \u0111\u00f3ng v\u00e0o RESP kh\u00f4ng \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb trong thu nh\u1eadp t\u00ednh thu\u1ebf, n\u00ean Promoter c\u00f3 th\u1ec3 ho\u00e0n tr\u1ea3 ph\u1ea7n ti\u1ec1n g\u1ed1c cho subscriber ho\u1eb7c beneficiary tr\u01b0\u1edbc ho\u1eb7c khi k\u1ebft th\u00fac h\u1ee3p \u0111\u1ed3ng m\u00e0 kh\u00f4ng b\u1ecb t\u00ednh th\u00eam v\u00e0o thu nh\u1eadp ch\u1ecbu thu\u1ebf (tax-free). Tr\u01b0\u1eddng h\u1ee3p n\u00e0y c\u00f3 th\u1ec3 x\u1ea3y ra khi h\u1ee3p \u0111\u1ed3ng t\u00e0i kho\u1ea3n RESP c\u1ee7a b\u1ea1n h\u1ebft h\u1ea1n; ho\u1eb7c b\u1ea1n mu\u1ed1n \u0111\u00f3ng t\u00e0i kho\u1ea3n tr\u01b0\u1edbc h\u1ea1n; ho\u1eb7c b\u1ea1n mu\u1ed1n r\u00fat ra m\u1ed9t ph\u1ea7n g\u1ed1c v\u00ec ti\u1ec1n EAP kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 chi tr\u1ea3 chi ph\u00ed h\u1ecdc h\u00e0nh c\u1ee7a beneficiary. 4.2. Thanh to\u00e1n h\u1ed7 tr\u1ee3 gi\u00e1o d\u1ee5c – Educational Assistance Payments (EAP) EAP l\u00e0 ph\u1ea7n ti\u1ec1n m\u00e0 t\u00e0i kho\u1ea3n RESP tr\u1ea3 cho<\/p>\n","protected":false},"author":2,"featured_media":2880,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[25,46],"tags":[35,36,47],"class_list":["post-2891","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem","category-tai-chinh","tag-cuoc-song-canada","tag-life-in-canada","tag-tai-chinh"],"_links":{"self":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/2891","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/comments?post=2891"}],"version-history":[{"count":2,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/2891\/revisions"}],"predecessor-version":[{"id":3459,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/2891\/revisions\/3459"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media\/2880"}],"wp:attachment":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media?parent=2891"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/categories?post=2891"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/tags?post=2891"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}