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REPEAT-BMO RESP Study: Canadian Parents Concerned About Costs of Post-Secondary Education
- More than 40 per cent are worried about how their children will be able to afford post-secondary education

TORONTO, ONTARIO -- (Marketwire) -- 11/24/12 -- According to a BMO Financial Group study, 42 per cent of Canadian parents are not confident that their children will be able to afford a post-secondary education including tuition, room and board, books and spending money.

Post-secondary costs have been increasing steadily over the past decade, with a four-year university degree currently costing upwards of $60,000. That sum could rise to more than $140,000 for a child born this year.

According to the study's key findings:

--  The majority (83 per cent) of parents anticipate that they will pay for
    their child's post-secondary education, while 44 per cent say their
    child will pay for at least some of it themselves.  
--  Almost one-quarter (22 per cent) have not spoken to anyone about their
    child's post-secondary education, including how it will be funded. 
--  More than one-third (35 per cent) of Canadian parents are not aware of
    key benefits of the Registered Education Savings Plan (RESP), including
    the federal government's contribution matching program. 

RESPs and the government matching program

One way for parents to plan for their child's post-secondary education is to open a Registered Education Savings Plan (RESP) and make regular contributions. Government grants and compounded interest can add significantly to total savings.

For example, by contributing at least $2,500 to an RESP annually, you are eligible for a 20-per-cent Canada Education Savings Grant. The grant can be as much as $500 per year depending on your contribution.

"Parents should educate themselves on the various options available to help them save for their children's post-secondary education," said Robert Armstrong, Vice President, Managed Solutions and Registered Plans Strategy, BMO Investments Inc. "Taking advantage of the RESP government matching program is a great way to grow your child's education fund. After all, if you can get free money from the government to send your child to school, why not take advantage of it?"

BMO offers the following tips for parents, children and grandparents interested in starting or contributing to an RESP:

Start early: Apply for your child's Social Insurance Number and open an RESP. Contributing as little as $500 per year from early in a child's life could result in more than $20,000 in savings by the time the child enters college or university.

Think beyond cash: Include investments such as mutual funds, exchange traded funds (ETFs) and guaranteed investment certificates (GICs) in your RESP to maximize the potential for growth. Another option, BMO LifeStage Class Mutual Funds(i), allow investors to choose different time horizons - from five to 18 years to align with when their child will be starting post-secondary education - when investing. The funds annually shift their asset mix from an emphasis on equity funds to fixed income and cash equivalent funds as they approach their end dates.

Speak with a financial professional: A financial expert can help you make the most of your RESP by determining the contribution methods and investing strategies that are right for you.

For more information on RESPs, please visit:

Get the latest BMO press releases via Twitter by following @BMOmedia.

The survey was fielded online by Pollara between August 17th and August 24th, 2012, with a sample of 801 Canadian parents with children under 18. A probability sample of this size would yield results accurate to +/- 3.5 per cent, 19 times out of 20.

(i)BMO Mutual Funds are offered by BMO Investments Inc., a financial services and separate legal entity from Bank of Montreal.

Commissions, trading commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus of the mutual fund before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

Media Contacts:
Amanda Robinson, Toronto

Valerie Doucet, Montreal

Laurie Grant, Vancouver

About Marketwired .
Copyright © 2009 Marketwired. All rights reserved. All the news releases provided by Marketwired are copyrighted. Any forms of copying other than an individual user's personal reference without express written permission is prohibited. Further distribution of these materials is strictly forbidden, including but not limited to, posting, emailing, faxing, archiving in a public database, redistributing via a computer network or in a printed form.

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