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Family plan RESP: You (the subscriber) can name more than one child as a beneficiary of the plan. But, all beneficiaries must be your child, grandchild, great-grandchild or sibling, by birth or adoption. If the child for whom the plan was originally intended doesn’t go to post-secondary education, another child named in the plan can use the funds.
Individual plan RESP: You (the subscriber) can name only one child as the beneficiary, and the child doesn’t have to be related to you.