Our RESP Plans
Group Option Plan

Option Plan

Protection of principal, for disciplined and committed savers.

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Set your own Plan Contribution Target! Enrol at any age.

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Option Plan

For those who seek a flexible RESP.

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Quebec Education Savings Incentive (QESI)


For those who are eligible to receive it, the Quebec Education Savings Incentive is equal to 10% of your annual RESP contribution – up to a maximum of $3,600.

Each year, a registered education savings plan (RESP) account can receive an amount equal to 10% of the net contributions paid into it over the course of a year, up to a maximum of $250.

In addition, as of 2008, any benefits accrued during previous years can be added to the basic amount, up to a maximum of $250.

To help low-income families, an increase of up to $50 per year, calculated on the basis of family income, may be added to the basic amount.

With the QESI, eligible children may qualify for to a life-time maximum of $3,600 per child.


To be entitled to the Québec education savings incentive (QESI), the child beneficiary must meet all of the following conditions:

  • be less than 18 years old
  • have a social insurance number (SIN)
  • be resident in Québec on December 31 of the taxation year
  • be the designated beneficiary of the concerned registered education savings plan (RESP).

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