How is my money invested? Who makes the investment decisions?

The CST Plans’ investment objective is to protect your principal and deliver a reasonable positive return over the long-term. For our Group Savings Plans, we invest your principal and government grants into lower risk assets such as government and investment grade corporate bonds to best ensure that your principal is protected. We invest the income of the plans into a diversified portfolio which consists of exchange traded funds (ETFs) including U.S and International equity ETFS, global real estate and infrastructure ETFs, in addition to Canadian equity securities.

CST has a dedicated investment team lead by the Vice President, Investments and Compliance. The investment team is responsible for monitoring and providing oversight of our selected third-party portfolio managers. Each of them has their own unique strengths and strategies. The investment performance of our Plans is closely monitored by management and the Investment Committee and is reviewed on a quarterly basis.

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Investment Strategy