Because your child deserves every advantage
The CST Advantage Plan is an easy way to save for your child’s post-secondary education, offering exclusive benefits and the peace of mind knowing your investment is expertly managed for you.
Personalized Full Service
From application to graduation, our expert team is here to help you at every step
Peace of Mind
Our focus on long-term value means your child’s savings will be there when they need it
Exclusive Benefits
As a reward for completing your plan, your child receives a CST Loyalty Bonus
Expertly Managed
Your money is in good hands! No matter the size of your savings, our portfolio managers are among the top money managers in Canada
Top 40 Money Managers, Benefits Canada, November 2024
We’ve been helping Canadian families invest in post-secondary education through RESPs for decades.
* Canadian Scholarship Trust Plan 2024 Audited Financial Statements
**Canadian Scholarship Trust Foundation 2024
Over 900,000Students Helped**
$5.4 billionIn total assets*
$7 billion+Paid to Canadian families**
Almost 1,000Local Sales Reps
Your investment is in the hands of some of Canada’s top institutional money managers.1 So you can be confident that your money will be there when you need it.
We focus on long-term value by investing to protect your principal combined with the earning power you need.
Your RESP principal2 and grants are invested in securities such as Canadian government and corporate bonds. Once your student is ready to attend post-secondary education, we will return your principal.
The income your principal2 and grants earn are invested in a mix of U.S. Equity, International Equity, Real Estate, and Infrastructure Equity Exchange Traded Funds (ETFs), along with Canadian Equities with a goal of ensuring your investment earns positive returns over the life of the plan.
1. Top 40 Money Managers, Benefits Canada, November 2024.
2. Principal: A Subscriber's accumulated contributions less sales charges and account maintenance fees.
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Contribute to your CST Advantage Plan
We’ll help you set up a plan and a contribution schedule that works with your budget and your savings goals.
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Access Government Grants
The government matches a portion of your RESP contributions, and you may be eligible for additional grants based on your income and location. We help to apply for all grants your child may be eligible for.
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We invest your money
From bonds to a mix of equities and ETFs, your money is invested to protect your principal1 and earn long-term positive returns over the duration of your plan.
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Unlock additional savings
If you stay enrolled in your plan until your child reaches post-secondary, you’ll access exclusive benefits that help boost your investment2.
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Take what you need, when you need it
When your child is ready to attend post-secondary studies, you can withdraw your principal when you need it and leave the rest to grow until your child collects their last education assistance payment3.
1. Principal: A Subscriber's accumulated contributions less sales charges and account maintenance fees.
2. Advantage Plan Benefits are comprised of Attrition and the Group Plan Bonus. Refer to the Prospectus for additional information.
3. Subject to investment risk: See Prospectus for details.
If your child decides not to pursue post-secondary education or you want more flexibility on your contributions and how you withdraw your savings, you can always enroll in a Family Savings Plan or Individual Savings Plan. You can also easily transfer from a CST Advantage Plan to a Family or Individual Savings Plan1.
These options are perfect for children of any age and come with a different set of benefits that help you confidently save for the long-term.
1. Conditions apply: Transfer to Family or Individual Savings Plan must occur prior to the payment of any EAPs and December 31 in the year the Beneficiary turns 20 and will lead to a loss of rights as a CST Advantage Plan subscriber. Please see Prospectus for details.