A hands-off approach to investing in your child’s education
We do the work for you and get you a diversified portfolio made up of low-cost exchange-traded funds (ETFs). This way, you’re not putting all your money and hopes into one sector, market or investment—but you’re invested in a mix of assets to help reduce your risk and maximize your rewards.
Investing in your child’s future has never been so simple:
- We recommend a CST Spark Education Portfolio that suits your needs.
- Your investment mix automatically adjusts as your child ages, focusing on targeting growth early on and preserving gains closer to graduation.
- We invest with one goal in mind—that you can help pay for their education.
What makes CST Spark different?
Peace of mind
No need to worry about finding the right mix for your portfolio or adjusting it over time. We provide you with a portfolio mix tailored to your needs and automatically rebalance it as your child grows.
Flexible contributions
We make RESPs flexible to suit your life. You can start at any time with any amount*, and change your contributions whenever you need to. How much and how often you contribute is always up to you.
*subject to minimum contribution limit
Let us do the heavy lifting
Simply personalize your plan and we’ll take care of the rest. We’ll help you grow your education savings and handle the federal and provincial grant applications for you.
On-Demand Support
Have questions? Need more help? We’re here for you every step of the way. You can chat with us LIVE online six days a week, or give us a call at
1-800-461-7100.
Meet our portfolios. Which one is for you?
CST Spark 2041 Education Portfolio
This portfolio is ideal if your little one is under 2 years and you’re saving for post-secondary education that’s starting around 2041 (hence the name!) We invest your money to target growth early and then shift your asset mix to become more conservative when it’s time to pay for school. It’s designed to maximize your return while taking on low to medium risk.
- Type of fund: Target Date
- End Date: 2041
- Risk: Low to medium
CST Spark 2038 Education Portfolio
This portfolio is ideal if your little learner is between 3-5 years old and you’re saving for post-secondary education that’s starting around 2038 (hence the name!) We invest your money with the goal of growth and then shift your asset mix to become more conservative when it’s time to pay for school. It’s designed to maximize your return while taking on low to medium risk.
- Type of fund: Target Date
- End Date: 2038
- Risk: Low to medium
CST Spark 2035 Education Portfolio
This portfolio is ideal if your little learner is 6 to 8 years old and you’re saving for post-secondary education that’s starting around 2035 (hence the name!) We invest your money with the goal of growth and then shift your asset mix to become more conservative when it’s time to pay for school. It’s designed to maximize your return while taking on low to medium risk.
- Type of fund: Target Date
- End Date: 2035
- Risk: Low to medium
CST Spark 2032 Education Portfolio
This portfolio is ideal if your young learner is 9 to 11 years old and you’re saving for post-secondary education that’s starting around 2032 (hence the name!) We invest your money with the goal of growth and then shift your asset mix to become more conservative when it’s time to pay for school. It’s designed to maximize your return while taking on low to medium risk.
- Type of fund: Target Date
- End Date: 2032
- Risk: Low to medium
CST Spark 2029 Education Portfolio
This portfolio is ideal if your young learner is 12 to 14 years old and you’re saving for post-secondary education that’s starting around 2029 (hence the name!) We invest your money with the goal of growth and then shift your asset mix to become more conservative when it’s time to pay for school. It’s designed to maximize your return while taking on low to medium risk.
- Type of fund: Target Date
- End Date: 2029
- Risk: Low to medium
CST Spark 2026 Education Portfolio
This portfolio is ideal if your learner is 15 to 17 years old and you’re saving for post-secondary education that’s starting around 2026 (hence the name!) We invest your money with the goal of growth and then shift your asset mix to become more conservative when it’s time to pay for school. It’s designed to provide a moderate opportunity for growth and protect capital over time while taking on low risk.
- Type of fund: Target Date
- End Date: 2026
- Risk: Low
CST Spark Graduation Portfolio
This portfolio is ideal if your student is 18 years old (or older) and is close to starting or is already enrolled in post-secondary education in 2022. Your money is invested in a low-risk, diversified mix of ETFs focused on capital preservation with a modest amount of return potential.
- Type of fund: Short-Term Fixed Income
- Risk: Low
Invest in your child's bright future with CST, the creator of education savings plans in Canada
Over 600,000 Canadian families have put their faith in CST with their post-secondary education savings
to offer RESPs in Canada
CST was the 1st to lobby for registered 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.
years
Of helping Canadian families make post-secondary education accessible.
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