Group and scholarship RESP plans

Understand pooled RESP plan structures, contract rules, and the extra reading required before signing a group or scholarship plan.

Reviewed 2026-05-01 source Information only, not financial, tax, legal, or investment advice.

Education only: this page compares a common RESP investment approach. It does not recommend products, providers, or portfolio allocations. No public source publishes average RESP returns by strategy. Compare this approach with provider documents and regulator guidance before acting.

Best fit

Families who understand the contract and are comfortable with scheduled contributions and plan rules.

Typical holdings

Pooled plan structure managed by the scholarship plan dealer.

Main strength

Built-in contribution discipline and plan administration.

Watch for

Sales charges, cancellation rules, forfeited earnings, missed-contribution rules, and EAP restrictions.

Questions before choosing

What happens after the cancellation window?
What if contributions stop?
What earnings or grants could be lost on exit?