Times have changed; so have we! Discover why Universitas has become Kaleido.
We offer two plans tailored to different needs and preferences. Find out which RESP is best suited to your situation and investor profile!
A full range of services from a seasoned team of experts dedicated to education savings.
The freedom to choose when and how much you withdraw from your RESP during post-secondary education.
A safe investment with competitive returns.
The option to transfer the RESP to another child, subject to certain conditions1.
Peace of mind knowing you will receive all the grant money your child is entitled to2.
Access to 6 hours of parent coaching annually (per family) to help you support your child and foster school success.
Choose the amount and frequency of your contributions at plan opening (single, monthly, or annual).
Choose the contribution period you prefer: 2 years, 5 years, 10 years, or longer.
Enjoy the convenience of pre-authorized debits; they’re perfect to maintain a savings discipline.
Recover all your contributions and an amount equal to the sales charges paid when your plan reaches maturity. An exclusive advantage from Kaleido.3
Minimum $25 contribution at plan opening
· $25 for a one-time additional contribution
· $25 per deposit for monthly contributions (which you can suspend at any time without penalty)
Access your funds if you need to make a withdrawal before plan maturity.
Subscribers who currently have a UNIVERSITAS Plan can continue investing in this RESP through additional one-time contributions or by increasing their regular contributions.
However, it’s not possible to open a new UNIVERSITAS Plan.
Contact one of our scholarship plan representatives. With their expert knowledge of RESPs, our representatives can recommend the RESP best suited to your situation and goals.
With Kaleido, the return of your investment (contributions) is 100% guaranteed once your plan reaches maturity.4
Subject to certain conditions, the following options are available if your child doesn’t pursue post-secondary education:
Contact us for all the details.
Yes. Kaleido must charge fees to ensure the sound management of your RESP, as with any financial product. Fees are disclosed and explained in detail at the time you set up your plan and sign a contract.
Although our fee structure differs from that of banking institutions, the total fees collected over the plan's life are standard for the industry. Ultimately, investors must consider these fees in proportion to the RESP’s risk level and performance, how disciplined they want to be in saving, and what other financial services are included.
Remember that if you have a group plan (REFLEX or UNIVERSITAS), you will be refunded an amount equal to the total sales charges paid once your plan reaches maturity. The full refund of sales charges at plan maturity is an exclusive Kaleido advantage.
See our prospectus for everything you need to know about our RESPs and their applicable fees.