Our line of RESPs,
savings accounts, and family-friendly investments
We know that nothing is more important than your children’s future. That’s why we offer you the IDEO+ RESP line and the opportunity to make the most of them so you have peace of mind while planning for your children’s education and future.
IDEO+: Education savings for all
Kaleido adapts to your budget and preferences with three different plans to choose from: IDEO+ Adaptive, IDEO+ Conservative, and IDEO+ Responsible.1
- Intended for customers with low risk tolerance.
- Variable return potential.
- Conservative and adaptive investment strategy.
- Respects Kaleido’s Sustainable Investment Policy.
- Contribute to your RESP at your own pace. Choose how much and when to contribute2. No minimum initial contribution.
- Maintain access to your savings if you need to withdraw them before maturity.
- Intended for clients with a moderate risk tolerance.
- Variable return potential.
- Adaptive investment strategy that can be adapted to the age of the child.
- Respects Kaleido’s Sustainable Investment Policy.
- Contribute to your RESP at your own pace. Choose how much and when to contribute2. No minimum initial contribution.
- Maintain access to your savings if you need to withdraw them before maturity.
- Intended for clients with a moderate risk tolerance.
- Variable return potential.
- Adaptive investment strategy that can be adapted to the age of the child.
- Respects and even goes beyond Kaleido’s Sustainable Investment Policy. This portfolio actively seeks additional strategies that reduce the carbon footprint and have a positive impact on climate change, as well as children’s welfare and education.
- Contribute to your RESP at your own pace. Choose how much and when to contribute2. No minimum initial contribution.
- Maintain access to your savings if you need to withdraw them before maturity.
Want to find out more about our RESP line?
Education savings: Preparing for tomorrow
A Registered Education Savings Plan (RESP) allows you to plan ahead for your children’s post-secondary education3 by saving at your own pace and taking advantage of generous government grants.4 Kaleido offers an RESP tailored to the reality of every family with its IDEO+ line of plans for different investor profiles.
All our scholarship plans are invested in accordance with our Sustainable Investment Policy and take into account environmental, social, and governance (ESG) criteria. To learn more, consult our general conditions.
Questions? Feel free to contact us, we’ll be happy to help.
Use our calculator to get an estimate of what an RESP could do for you, based on your contribution preferences.
Takes about 5 min.
Education savings that come with family coaching5
As you can see, our mission is to support you and your family. And to do so, Kaleido offers support for many aspects of life, including tutoring and academic support, family coaching, health and wellness, career counselling for teens, and family finances. Kaleido goes the extra mile to help your family meet the challenges of everyday life.
REFLEX, INDIVIDUAL, and UNIVERSITAS plans
These plans remain in effect for subscribers who are already contributing to them.
However, the REFLEX, INDIVIDUAL, and UNIVERSITAS plans are no longer available to new clients. We are confident that our IDEO+2 line will have a plan to meet your needs!
You can consult the documents on our old plans here: financial documents.
Learn more about our education savings offer
If you have any questions about education savings and RESPs in general, our different IDEO+1 RESPs, or any other Kaleido service, check out our FAQ!
No, there are no subscription fees to open an RESP from our IDEO+ line.
If you already hold one of our previous group plans (REFLEX or UNIVERSITAS), an amount equivalent to the subscription fee will be reimbursed to you at maturity. Reimbursement of subscription fees at maturity is offered exclusively at Kaleido.
Our prospectus has everything you need to know about our RESPs and related fees. Check it out for more information.
Make an appointment with one of our scholarship plan representatives. They have extensive experience with education savings and will be able to advise you based on your goals and financial situation.
If your child decides not to pursue post-secondary education, there are a number of options available to you, under certain conditions:
- Transfer the RESP to another child
- Recover your contributions and transfer the accumulated income to an RRSP
- Cash in your accumulated income (through an accumulated income payment)
Contact us for more details.
1. The IDEO+ Adaptive, IDEO+ Conservative, and IDEO+ Responsible plans are three separate scholarship plans promoted by the Kaleido Foundation and distributed by Kaleido Growth Inc. See our prospectus at kaleido.ca for more details.
2. Minimum contribution of $10. See our prospectus.
3. Some conditions apply. For the complete list of eligible programs, please see our prospectus at kaleido.ca.
4. Subject to obtaining the necessary authorizations to proceed with grant applications. Certain conditions apply. See our prospectus at kaleido.ca.
5. Some conditions and restrictions apply. The promotions, benefits, and other perks of the family support services are subject to change without notice and may not be available in some areas.