Group RESP Research

What is a Group RESP?
A group RESP is one of the ways that people save for their children’s post-secondary education. In general, when you sign up for a group RESP, your contract includes an agreement to put money in the RESP each month. A group RESP combines the money you put in for your child’s education with money contributed by other people for their children. Group RESPs are different than RESPs that are opened through a regular bank or credit unit.


What is the research project all about?
SEED Winnipeg and other community-based organizations across Canada have been working for nearly a decade to increase the awareness of what an RESP is and the uptake of the Canada Learning Bond by low-income families. We are interested in learning more about the experiences people are having with group RESP plans.

Who participated in the research?
We asked about 50 people from Winnipeg and Calgary about their experiences with group RESPs.

We interviewed parents or caregivers who have opened a group RESP at some point in their life. The RESP could still be active, closed or have been used for post-secondary education.

We wanted to hear the experiences of people who were living on a low level of income at the time of opening their RESP.

Why participate?
As a person who enrolled in a group RESP, sharing their experience can be helpful to others. The information provided will help us to develop educational materials for others who are thinking of investing in an RESP.

Who is involved in this research project?
This research is being done by SEED Winnipeg in partnership with Dr. Jerry Buckland (Menno Simons College, Canadian Mennonite University), Dr. Gail Henderson (Queen’s University), Momentum and the Legal Help Centre.

This project is funded by the Law Foundation of Ontario, Access to Justice Fund and has received ethics approval from the Canadian Mennonite University Ethics Review Committee.


Interested in the results of this study?
Please contact us:
204-927-9939
resp@seedwinnipeg.ca