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For example, if you set up an RESP and your brother sets up an RESP for the same child, both accounts cannot receive the maximum grant and bond. Any withdrawals above the minimum amount will have a withholding tax taken immediately, and additional tax may be applied at tax time depending on your total income for the year. Learn more about making withdrawals from your RRIF. Speak to a tax professional to see if you qualify to claim medical expenses and to confirm rules relating to withdrawal.
This does not mean that you will pay this price for a share.