Worried about losing your savings if your child doesn’t go to school? That’s a common concern — and a common myth. Here’s the truth: you have options.

With CST, your contributions are always returned to you tax-free. Government grants go back to the government, and the income you’ve earned can be:

• Transferred the Plan to another another child.
• Transferred to a different Plan with CST.
• Transferred some or all your income to your Registered Retirement Savings Plan if eligible (RRSP) (if you have contribution room).
• Transferred some or all your income to your Registered Disability Savings Plan (RDSP) if eligible.
• Withdrawn (tax applies).

We also offer flexibility in contribution schedules, so you can adapt if life changes.

Bottom line: Your savings are safe, and you have choices.

👉 Learn more: If my child doesn’t go to school do I lose my investment? 

Read our full guide: Understanding CST RESPs: Clearing Up Myths and Building Trust