The Select Conservative plan.
A registered education savings plan that prioritizes protecting your assets.
The easy way to RESP.
$0
upfront cost to get started
8 minutes
to open an RESP online
18.33%
investment return in 2024¹
$7,200
or more in federal and provincial government grants
A best-in-class RESP
The Embark Select Conservative Plan focuses 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.
Government grants are our specialty
We make sure you get every dollar you qualify for. Add to your RESP and get a 20% government grant match, up to $500 a year and $7,200 total (or more, depending on where you live). No grant money gets left behind.
The most flexible RESP
Whether it’s every month or once a year, you set the schedule that works for you and your budget. You can stop or change or withdraw contributions from home, anytime.
More than just an RESP
Digital-first
No money left behind
RESP gifting
No minimums
Add as you grow
Exclusive offers
Big futures, real costs.
Tuition & books
The average cost of university tuition in Canada is $7,100 a year. Saving just $100 a month puts you on track to cover three years. And if they go to college instead? You’ll be covered.
Residence & meals
Living on campus can cost up to $30,000 a year. Saving around $208 a month helps you maximize your grants, and could cover most of those residence costs.
Save for the unexpected
One year of college or eight years of university? We’ll help you build the right savings plan no matter what they choose.
Around 60% of Canadians save for tuition first and contribute an average of $100 a month.
Today, you pack lunch.
Tomorrow, you pay tuition.
Most banks make withdrawing from your RESP complicated: Think paperwork, appointments, and endless waiting. But with Embark, accessing your savings is simple, smart, and stress-free.
Easy online withdrawals
Withdraw online anytime—no paperwork, no branch visits. Track your money in real time and know exactly when it’s arriving, so you can stay focused on what matters most.
Smart withdrawal strategies
We help you withdraw grants and earnings first, so your contributions last longer and you minimize taxes. More savings for them, fewer surprises for you.
Planning for every child
Have more than one child? No problem. We help you manage your RESP carefully so there’s enough for every child’s education.
Frequently asked questions
Useful Resources
Legal disclaimers
1. Returns reflect cohort with children born 2024-2026 which has a 90% equity allocation. Past performance is not an indicator of future returns.
2. 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.