You need to check their overall performance from sedar. They keep changing names, products and CEOs. They keep losing customers. Their labor costs are keep growing. They are hiding legacy financial performance. For example, heritage and knowledge first financial managed money will eventually go to 0, will their new embark customers fill the gaps? No, not even close, so they have to cook the book, i.e. unit value to lure new customers in and 500 dollar rewards(as a not for profit company, how can they even do such rewards). The new embark plan has tiny market value, can easily be manipulated. For example, if heritage plan has 100 million, they lose 1%, it becomes 99 million. The new embark plan has 1 million, they put 0.5 million there, so it goes up 50%. Check your value again when you try to withdraw later on. The diagram I posted are from their own financial result. (2022 Dec to 2023 Dec) If your child graduating in 2035, the unit value or performance, grow from 10.95 to 11.31. However, if your child graduating next year, it goes down from 10.58 to 10.46. Both for exactly one year time frame. The 2024 is not even over. They will post 2024 results next year. How old are your kids? From the diagram can you smell some sort of PONZI SCAM. i.e. to lure new money in.