You may have read that CST fees are high. Here’s the truth: there’s no such thing as a free RESP. Every provider charges fees — some just hide them under different names.
At CST, we choose transparency. Our fees cover the cost of setting up and managing your plan, and we make sure you know exactly what you’re paying. Plus, if you stay with us until your child completes their education, we’ll give back 50% of the sales charges you paid as a CST Loyalty Bonus.*
Why do we charge fees upfront? Because most of the costs of setting up your plan happen early. This approach ensures your savings are managed responsibly from day one.
Tip: When comparing RESP providers, ask them to calculate the total cost in dollars over the life of the plan. We’ll gladly do the same so you can make an informed decision.
👉 Learn more: What are the fees CST charges and what are they used towards?
Read our full guide: Understanding CST RESPs: Clearing Up Myths and Building Trust
*CST Loyalty Bonus (Sales Charge Refund): For CST Advantage Plan only. If you make all of your contributions and stay invested to maturity in the CST Advantage Plan, we will return 50% of your sales charges to you when your child qualifies and receives all four education assistance payments. Fee calculation assumes investor receives a refund of 50% of all sales charges paid in four installments, one-quarter with each education assistance payment as detailed in the CST Plan Prospectus.