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| RESP products | Collective plan documents

Collective plan documents

  • Information about our plans
  • Fund Performance
  • Financial Statements
  • Quarterly returns
  • Group Life and Disability Insurance
  • Other Documents

Information about our plans

  • PDF

    REFLEX, INDIVIDUAL and UNIVERSITAS plans 2025 annual report

  • PDF

    REFLEX Plan and INDIVIDUAL Plan Prospectus

    Document also available on sedarplus.ca

  • PDF

    UNIVERSITAS Plan Prospectus

    Document also available on sedarplus.ca

  • PDF

    Relationship Disclosure Information | UNIVERSITAS, REFLEX, INDIVIDUAL

  • PDF

    Conflict of Interest Disclosure | UNIVERSITAS, REFLEX, INDIVIDUAL

Fund Performance

  • PDF

    Management Report of Fund Performance—INDIVIDUAL Plan

    For the financial year ended December 31, 2025

    Document also available on sedarplus.ca

  • PDF

    Management Report of Fund Performance—UNIVERSITAS Plan

    For the financial year ended December 31, 2025

    Document also available on sedarplus.ca

  • PDF

    Management Report of Fund Performance—REFLEX Plan

    For the financial year ended December 31, 2025

    Document available on sedarplus.ca

Financial Statements

  • PDF

    Financial Statements—INDIVIDUAL Plan

    For the year ended December 31, 2025 and 2024

    Document also available on sedarplus.ca

  • PDF

    Financial Statements—IDEO+ REFLEX Plan

    For the year ended December 31, 2025 and 2024

    Document also available on sedarplus.ca

  • PDF

    Financial Statements — UNIVERSITAS Plan

    For the year ended December 31, 2025 and 2024

    Document also available on sedarplus.ca

  • PDF

    Financial Statements—INDIVIDUAL Plan

    for the six months periods ended June 30, 2025 and 2024

  • PDF

    Financial Statements—REFLEX Plan

    for the six months periods ended June 30, 2025 and 2024

  • PDF

    Financial Statements—UNIVERSITAS

    for the six months periods ended June 30, 2025 and 2024

  • PDF

    Financial statements - REFLEX Plan

    for the six months periods ended June 30, 2024 and 2023

    Also available at sedarplus.ca

  • PDF

    Financial statements - INDIVIDUAL Plan

    for the six months periods ended June 30, 2024 and 2023

    Also available at sedarplus.ca

  • PDF

    Financial statements - UNIVERSITAS Plan

    for the six months periods ended June 30, 2024 and 2023

    Also available at sedarplus.ca

  • PDF

    Financial Statements—REFLEX Plan

    For the year ended December 31, 2024 and 2023

    Document also available on the sedarplus.ca

  • PDF

    Financial Statements—INDIVIDUAL Plan

    For the year ended December 31, 2024 and 2023

    Document also available on sedarplus.ca

  • PDF

    Financial Statements—UNIVERSITAS Plan

    For the year ended December 31, 2024 and 2023

    Document also available on sedarplus.ca

Quarterly returns

  • PDF

    Your RESP at a glance REFLEX

    December 31, 2025

  • PDF

    Your RESP at a glance UNIVERSITAS

    December 31, 2025

Group Life and Disability Insurance

  • PDF

    Summary Group Life and Disability Insurance

  • PDF

    Notice of Cancellation of an Insurance Contract

  • PDF

    Fact Sheet - Insurance

Other Documents

  • PDF

    Actuarial Certificate

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Kaleido

For over 60 years, Kaleido has been helping Canadian families realize their children’s full potential by supporting them throughout their educational journey.

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    • How RESP work
    • RESP advantages
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    • RESP and taxes
    • Savings strategies
    • Withdrawals for studies
    • Frequently asked questions
  • RESP products
    • IDEO+ portfolios
    • RESP calculator
    • Financial documents
    • Why Kaleido
    • Responsible investment
  • Offers and privileges
    • Our accompaniment
    • Contests and promotions
    • RESP as a gift
  • About us
    • Our story
    • Social involvement
    • Newsroom
    • Administrative documents

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