How much and how often you contribute depends on the rules of your RESP promoter. With CST Spark Education Portfolios, you have the flexibility to make either lump sum contributions or set up regular, recurring payments—whatever works best for you.

Just keep in mind that while you can contribute up to $50,000 per child over the lifetime of the RESP, the Canada Education Savings Grant (CESG) is limited to $500 per year (or up to $1,000 if you’re catching up on unused grant room). So if you contribute a large lump sum early on, you won’t receive the full CESG all at once—you’ll only get the grant amount you’re eligible for each year.