The simple way to invest in your child's education
Our CST Spark Education Portfolios are ETF based mutual funds, held as investments in our RESPs. Our Spark RESP is a smart, simple and flexible way to help you save for your child’s higher education.
Skip the bank when it comes to investing in your child’s education.
How it works
Start your application online
It won’t take long and is as easy as 123.
Watch your money grow
Watch your money grow with automatic age-based rebalancing, the investment mix automatically shifts as your child ages.
Withdraw to pay for school
When the time comes, withdraw your money and let your child's learning begin!
Enter to win a $2,500 CST Spark RESP for your child!
At CST Spark, we’re serious about partnering with Canadian families to help save for their little learners’ education. To help you kickstart your education savings, we’re giving away one prize of a $2,500 CST RESP every month.
This illustration also shows how much a plan like yours may be worth when your child is 18.5 years and compares this amount to the estimated cost of a university or college education at that time. The projected value includes principal, government grant, income on principal and grant earned to date, future scheduled contributions (if any) until your child turns 18.5 years and government grants you are expected to accumulate. The projected income on principal and grants is estimated from today’s date to the date when your child turns 18.5 based on a series of annual net rates of return ranging from 1.5% to 4.0% that reflect your child’s age group and the changes in the asset allocation over the life of your plan.
The projected value for each beneficiary in a Family Plan with multiple beneficiaries is estimated using each beneficiary’s allocation of the principal and future scheduled contributions, the income on allocated principal you are expected to accumulate for each beneficiary and the specific share of grant and grant income allocated to each individual beneficiary.
This illustration assumes all scheduled contributions will be made. It is not intended to show an actual future value. Investment returns and the actual future value of your education savings plan cannot be predicted or guaranteed.
Projected tuition costs of a 4 year university program are based on the annual average cost of tuition and compulsory fees across Canada for the previous school year and an assumed average annual increase of 1.3% based on the previous 5 year's average. Room and board are based on typical costs of residence with an assumed average annual increase of 2.3% based on the previous 5 year's average. Projection includes the cost of entertainment, transportation and books adjusted using an annual inflation rate of 2.0%. Source: Statistics Canada 2021 and university websites.
Meet some terrific CST families
For 60 years, over 600,000 Canadian families have put their faith in us with their education savings.
Some of our customers celebrated our 1st birthday by entering a contest draw to win one of two $250 VISA gift cards and told us what saving with CST Spark meant to them. Every customer may not feel this way, but we are glad to hear how they feel!
Invest in your child's bright future with CST, the creator of the education savings plan in Canada
Over 600,000 Canadian families have put their faith in us with their education savings
to offer RESPs in Canada
CST was the 1st to lobby for education savings plans in Canada.
in managed assets*
Rest easy knowing hundreds of thousands of Canadians trust CST with their education savings.
industry leading partners
Trusted advisors from CST, Blackrock and RBC Investor Services Trust take care of your plan.
of helping Canadian families make post-secondary education attainable
*Canadian Scholarship Trust Plans and CST Bright Plan 2021 Audited Financial Statements.
Schedule a free consultation
Have some questions? No problem, schedule a free consultation at a time that is convenient for you.
Investing in your child's future just takes a few minutes.
Start saving right away or call and speak to us for more information
CST Spark Education Portfolios are sold only by Prospectus. Investors should read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the Fund Facts or Prospectus before investing. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.