Save for education in a way that works for you
Whether you’re starting early, contributing as a family, or adjusting as life changes, CST Spark can help meet your needs.
CST Spark Education Portfolios
Smart, flexible mutual fund portfolios designed to support your education savings—whatever your goals.
When you open an RESP, TFSA, Investment Account (Non-Registered), your savings are invested in our CST Spark Education Portfolios—professionally managed mutual funds built to help your money grow over time.
Personalized portfolio recommendations
Get recommended account types and mutual fund portfolios based on your goals, timeline, and risk comfort.
Flexible contributions
Easily adjust your contributions anytime to match your life and budget.
Account options
Choose the account that suits your needs—RESP, TFSA, or non-registered Investment Account.
Investment funds that rebalance automatically
As your education goal gets closer, whether it’s for a child or yourself, the portfolio automatically shifts to reduce risk and protect what you’ve built.
Expert money management
for all
Your money is in trusted hands with CIBC Global Asset Management, a trusted partner to investors, advisors, and institutions around the world. You can have confidence knowing your investment is managed by experts and benefit from the same high-quality expertise typically reserved for large portfolios.
How your money is invested
Your savings go into a diversified mutual fund made up of low-cost exchange-traded funds (ETFs), giving you broad exposure to the market without high fees.
Instead of depending on a single stock, sector, or trend, your portfolio is spread across a smart mix of investments. This helps balance risk and long-term growth, so your savings stay on track for the future you’re planning.
Meet our portfolios. Which one’s for you?
CST Spark 2044 Education Portfolio
This portfolio is ideal if you’re saving for your little one’s post-secondary education that’s expected to start between 2043 and 2045. We invest your money to target growth early and then shift your asset mix to become more conservative when it’s time to pay for school. It’s designed to maximize your return while taking on low to medium risk.
- Type of fund: Target Date
- End Date: 2044
- Risk: Low to medium
CST Spark 2041 Education Portfolio
This portfolio is ideal if you’re saving for your little one’s post-secondary education that’s expected to start between 2040 and 2042. We invest your money to target growth early and then shift your asset mix to become more conservative when it’s time to pay for school. It’s designed to maximize your return while taking on low to medium risk.
- Type of fund: Target Date
- End Date: 2041
- Risk: Low to medium
CST Spark 2038 Education Portfolio
This portfolio is ideal if you’re saving for your little learner’s post-secondary education that’s expected to start between 2037 and 2039. We invest your money with the goal of growth and then shift your asset mix to become more conservative when it’s time to pay for school. It’s designed to maximize your return while taking on low to medium risk.
- Type of fund: Target Date
- End Date: 2038
- Risk: Low to medium
CST Spark 2035 Education Portfolio
This portfolio is ideal if you’re saving for your little learner’s post-secondary education that’s expected to start between 2034 and 2036. We invest your money with the goal of growth and then shift your asset mix to become more conservative when it’s time to pay for school. It’s designed to maximize your return while taking on low to medium risk.
- Type of fund: Target Date
- End Date: 2035
- Risk: Low to medium
CST Spark 2032 Education Portfolio
This portfolio is ideal if you’re saving for your young learner’s post-secondary education that’s expected to start between 2031 and 2033. We invest your money with an increasing shift towards a more conservative asset mix when it’s time to pay for school. It’s designed with a diversified investment mix appropriate for the fund’s time horizon while taking on low to medium risk.
- Type of fund: Target Date
- End Date: 2032
- Risk: Low to medium
CST Spark 2029 Education Portfolio
This portfolio is ideal if you’re saving for your little learner’s post-secondary education that’s expected to start between 2028 and 2030. We invest your money with an increasing shift towards a more conservative asset mix when it’s time to pay for school. It’s designed with a diversified investment mix appropriate for the fund’s time horizon while taking on low to medium risk.
- Type of fund: Target Date
- End Date: 2029
- Risk: Low to medium
CST Spark 2026 Education Portfolio
This portfolio is ideal if you’re saving for your learner’s post-secondary education that’s expected to start by 2027. We invest your money with an increasing shift towards a more conservative asset mix when it’s time to pay for school. It’s designed with a diversified investment mix appropriate for the fund’s time horizon while taking on low to medium risk.
- Type of fund: Target Date
- End Date: 2026
- Risk: Low to medium
CST Spark Graduation Portfolio
This portfolio is ideal if your student is close to starting or is already enrolled in post-secondary education in 2026. Your money is invested within an overall low-risk, diversified mix of ETFs focused on capital preservation with a modest amount of return potential.
- Type of fund: Short-Term Fixed Income
- Risk: Low
CST Spark Education Portfolios have moved to a T+1 (trade date plus one business day) settlement date.
Which accounts are right for you?
Check out our handy comparison table to learn about RESPs, TFSAs, and Investment Accounts (Non-Registered) to determine which one will work for your savings goals.
The Canadian Scholarship Trust Foundation and its subsidiaries, including C.S.T. Spark Inc., operate under the master brand CST.
CST Spark Education Portfolios are sold only by Prospectus. Investors should read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Download the Prospectus and Fund Facts.
Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the Fund Facts or Prospectus before investing. Mutual fund securities are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.