First off they are cheaper then a bank after 18 years with a bank ill have paid cibc 16000 dollars in fees. Bank couldn't even explain what a MER was The financial advisor was like a deer caught in the headlights with the questions I was askin Now that said Iknow there's horror stories but they ALL come from people who took there money early I wanna hear stories from people who haven't got out early. I mean if it works ill gladly pay him 2000 over the banks 16000 that's 14000 more going to my son in 18 year. For the record the other group plans are not as transparent as CST nor are they non profit. All the concerns u raised he actually told me about so I don't feel he was hiding anything from me and he even told me if I wanted time to go over the papers he would sit with me in case I had questions about the "small print". of course I told him to call me in a few months so I could do some research first. I have no intention of signing those papers till I hear from people who have actually reached maturity. Till then my tfsa will have to do
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