A hands-off approach to investing in your child’s education

We do the work for you and get you diversified mutual fund 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 transaction 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

Meet our portfolios. Which one is for you?

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.


Of helping Canadian families make post-secondary education accessible.

*Canadian Scholarship Trust Plans and CST Bright Plan 2021 Audited Financial Statements.

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