The Select Conservative plan.

A registered education savings plan that prioritizes protecting your assets.

We offer industry-leading tools and plans to help you track, manage and grow your savings, anytime, anywhere. Our digital platform helps you forecast the cost of education and build an actionable savings plan based on your goals and their dreams.

Start Your Journey

Try the RESP Calculator

Bar chart showcasing that there is low risk with the Embark Select Conservative Plan

The Embark Select Conservative Plan is easy to manage.

We conservatively invest your money to focus on preserving your savings while providing reasonable growth. With an asset allocation of 75% Fixed Income and 25% Equity while your child is growing, the mix changes to focus on preserving your savings when it’s time for post-secondary studies.

Investment/Key Benefits:

Best-in-class investments
Secures all government grants you’re eligible for
A plan that prioritizes preserving your savings while growing your funds
Simple, competitive fee structure

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Education savings and planning are all we do. We’re here with step-by-step guidance and comparison tools that help you choose the right plan for your child’s specific goals and timeline.

We will:

Give you the best advice to maximize your savings
Maximize the money you receive from government grants
Be there to answer any questions you have
Simplify and guide you through withdrawing your savings

Hand holding a phone that shows the Embark Student Plan app. The app shows future education savings and RESP contributions.

Access your plan through our innovative digital platform anytime, anywhere. No matter where you are on your education savings journey, our digital platform makes it easy to identify your education savings target, adjust your contributions and learn how to withdraw when the time comes.

Easy, Online Access:

Cutting-edge tools to manage your savings 24/7
Interactive visualizations and data on your plan
Simple, tangible insights, such as how much education your savings can buy
Top-of-the-line technology to protect your savings and make sure it’s secure

Even More Ways You Benefit

Useful Resources

Embark Select Conservative Plan Financial Statements - 2024¹

Embark Select Conservative Plan MRFP - 2024

Embark Select Conservative Plan - Plan Summary

Embark Select Conservative Plan Semi-Annual Financial Statements - 2024

Embark Select Conservative Plan Prospectus

Embark Select Conservative Plan Undertaking

How to Read Your Statement

Relationship Disclosure

Schedule of Fees

Helpful Answers That Save Time

A Registered Education Savings Plan (RESP) is a tax-advantaged savings account that is partially funded by the Canadian government and helps you plan and save for a child’s post-secondary education. An RESP can contain cash and other investment instruments. Savings grow tax-free while in an RESP. When you withdraw the funds, they’re taxed in the hands of the student, often allowing you to put more of your savings towards their education.

The earlier you start saving in your RESP, and the more consistently you contribute, the more the investment income on your principal, grants and earnings will compound over time. This means you’ll typically have more to withdraw. Even if you’re starting to save later in life, the most important step is to take the leap and start saving. Your savings will grow and compound over time, giving your child money to put towards their education.

Embark will charge 1.65% MER annually plus applicable taxes. This means we’ll take off $16.50 for every $1,000 invested, plus applicable taxes, deducted directly from plan earnings, or if earnings are insufficient, from contributions. The Embark prospectus does allow for the MER to be increased to a maximum of 1.99% per year, plus applicable taxes. For example, this would be a maximum of $19.90 for every $1,000 invested. This fee pays for investment management costs, operating, managing, and administering the Plan, including record keeping, trustee, valuation, distribution, and custodial services.

You can open a family plan, which allows you to save for multiple beneficiaries under the same RESP, if they are all siblings by blood or adoption. A family plan will allow you to allocate your contributions to any beneficiary you wish, and the savings, grants* and income you accrue can be shared among the beneficiaries. Each child is entitled to a $50,000 lifetime maximum contribution limit within a family plan. This means that if you have two children within a family plan, you can contribute a maximum of $100,000 without incurring penalties. *to a maximum of $7,200 Canada Education Savings Grant per beneficiary

Want to know more? See all our FAQs

Legal disclaimers

1. In compliance with the International Ethics Standards Board for Accountants’ (“IESBA”) Code of Ethics for Professional Accountants, the auditor is required to publicly disclose the audit and non-audit fees charged to public interest entities, including Embark Student Plan and Embark Select Conservative Plan, on an annual basis.

For the year ended December 31, 2024, fees paid or payable to KPMG LLP and its network firms for the audit of the financial statements of Embark Student Plan, and Embark Select Conservative Plan were $282,500. Fees for other services were $172,980.

The Select Conservative plan.

Growth & Protection

The plan focuses on protection while growing your education savings

The Embark Select Conservative Plan is easy to manage.

Investment/Key Benefits:

Expert Guidance Made Simple

Simple, expert guidance that helps make investing easy

We will:

Cutting-Edge Digital Experience

A state-of-the-art digital platform that puts your education savings at your fingertips

Easy, Online Access:

Even More Ways You Benefit

Control your plan every
step of the way

Share your plan among
your children

Earn a bonus
when you transfer

Useful Resources

Helpful Answers That Save Time

The Select Conservative plan.

Growth & Protection

The plan focuses on protection while growing your education savings

Expert Guidance Made Simple

Simple, expert guidance that helps make investing easy

Cutting-Edge Digital Experience

A state-of-the-art digital platform that puts your education savings at your fingertips

Even More Ways You Benefit

Control your plan every step of the way

Share your plan among your children

Earn a bonuswhen you transfer

Useful Resources

Helpful Answers That Save Time

What is a Registered Education Savings Plan (RESP)?

Are my contributions guaranteed?

Why should I start saving as soon as I can?

What are the management fees?

What’s the best way to save if I have more than one child?

Control your plan every
step of the way

Share your plan among
your children

Earn a bonus
when you transfer