How does CST’s investment approach differ from other financial institutions?

With CST Plans, you receive professional investment management and monitoring. Our investment strategy aims to provide long-term value by investing to both protect your principal and earn positive returns. The onus is on us to choose an appropriate mix of investments.

Accounts with another financial institution may be either managed or self-directed. If you have a managed account, an investment professional will make the investment decisions for you based on your investment objectives, risk profile and time horizon. In a self-directed account, you are required to select the specific investment vehicle (savings account, GICs, mutual funds, ETFs, etc.) depending on the level of risk you are willing to take. This means the onus is on you to choose the appropriate mix of investments.

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Investment Strategy