The Select Conservative plan.

Embark may, at its discretion, cancel the Plan if thirty-six months after Plan enrolment, the total assets held under the Plan are less than $500, unless the Plan receives CLB grants.

Past performance is not an indicator of future returns.

Up to $7,200. Actual grant will depend on deposits and eligibility.

Government grants have an annual limit of $500 and a lifetime maximum of $7,200 per beneficiary under the Canada Education Savings Grant (CESG). Actual grant amounts depend on your province of residence, family income, and contributions made.

Withdrawals from a Registered Education Savings Plan (RESP) are subject to certain rules. Contributions can be withdrawn at any time, tax-free. However, if withdrawn before your child pursues post-secondary education, government grants linked to those contributions may need to be repaid. Educational Assistance Payments (EAPs) include grants and investment earnings and can only be withdrawn once the beneficiary is enrolled in a qualifying post-secondary program. EAPs are taxable in the student’s hands. Other restrictions may apply.

ESDC, CESP Annual Statistical Review 2024, Table 8. ≈60% of beneficiaries received $1–$2,000 in contributions in 2024; midpoint ≈ $1,200/year (~$100/month). Calculation by Embark; not an official ESDC average.

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, 2025, 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 $396,033. Fees for other services were $61,182.