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What were the REFLEX Plan’s EAP amounts for 2018, 2017 and 2016?

Does this amount include the refund of sales charges?


The educational assistance payment (EAP) amounts from past years are indicated in our prospectus. You can also refer to your account statements from previous years.

It’s important to know that EAPs comprise the accumulated income on your contributions (included in the value per unit) as well as government grants and their income. EAPs are paid to or on behalf of the beneficiaries (students). 

Under our group plans (REFLEX and UNIVERSITAS), an amount equal to the sales charges is included in the subscriber’s refund of contributions at plan maturity.