How we invest your money

Our Investment approach

Protecting your principal is the cornerstone of our investment approach. We focus on long-term value by giving you the safety of principal protection combined with the earning power you need.

Our investment methodology is aligned with our corporate vision of helping out clients save for their children's post-secondary education through conservative, long-term investments. Our disciplined savings approach balances the need for income with principal protection and safety from excess market volatility.

Principal protection: Your RESP principal (contributions net of sales charges and fees) and grants are invested in stable and secure fixed-income government and financial institution bonds. The principal will be returned to you at maturity. 

Enhanced earning power:The income your principal earns can be invested in the fixed income classes above and a mix of Canadian equities, U.S. Exchange-Traded Funds (ETFs), and investment-grade corporate bonds to make sure your investment earns competitive returns over the life of the plan.

The Plans are managed in accordance with the investment restrictions set out by the Canadian Securities Administrators. C.S.T. Consultants Inc. has provided an undertaking to the securities regulators to modify these restrictions. Download the Undertaking to see the asset classes available in our enhanced investment approach.

Our asset class policy

Our Portfolio Management Team

Take a look at who’s managing the money:

Our portfolio managers are among the top institutional money managers in Canada1:

BlackRock Asset Management Canada Limited
BMO Asset Management Inc.
Canso Investment Counsel Ltd.
CGOV Asset Management
CIBC Asset Management Inc.
Greystone Managed Investments Inc.
Sionna Investment Managers Inc.
TD Asset Management Inc.