Explore our full range of accounts and investments

Whatever your goal, we have the accounts to help you get there


  • All-purpose account for short-, medium- or long-term investing
  • You pay no tax on the interest, income or capital gains earned within your account
  • You can withdraw funds tax-free any time
  • $0 annual administration fee


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What is a TFSA?

What is the annual TFSA contribution limit?

What are the differences between an RRSP and a TFSA?


  • Tax efficient way to meet your retirement goals and immediately reduce your taxable income
  • You pay no tax on the earnings and growth within your RRSP, until you withdraw the funds
  • You can use the funds in your RRSP to help with the purchase of your first home or for your post-secondary education


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What is an RRSP?

What can I hold in my registered account?

Which currencies can I hold in my CIBC Investor's Edge RRSP?


  • Choose from an Individual or Family plan to save for your child's post-secondary education
  • You pay no tax on the earnings and growth within your RESP, until you withdraw the funds
  • Your contributions may be eligible for government grants
  • $0 annual administration fee 


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What is an RESP?

What RESP grants are available to me?

How do I learn more about an RESP account?

We also offer other registered and locked-in accounts, including:

  • Registered Retirement Income Fund (RRIF)
  • Locked-In Retirement Account (LIRA)
  • Locked-In RSP (LRSP)
  • Locked-In Retirement Income Fund (LRIF)
  • Prescribed Retirement Income Fund (PRIF)

Cash account

  • Choose from Individual or Joint accounts
  • Cash accounts are flexible and suitable for short- or long-term investing
  • Transfer funds quickly and easily to and from your CIBC bank account


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What can I invest in?

Margin account

  • Increase your buying power by borrowing funds against your investments
  • You can participate in short selling in a margin account
  • Eligible for option trading privileges


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What is a margin account?

We offer the following non-personal accounts:

  • Corporate or Partnership
  • Investment Club
  • Formal Trust
  • Estate

Your investment options shouldn't leave you feeling restricted


  • Equities (also called stocks) let you share in corporate success
  • Dividend-paying equities provide cash flow
  • Equities are riskier and more volatile than fixed income, cash and cash equivalents; but historically they’ve had better long-term growth


  • ETFs give you access to sectors and products that would otherwise be unavailable to individual investors
  • Some ETFs are managed by professional fund managers, and typically have lower management fees than mutual funds
  • Take advantage of intraday pricing and trading flexibility, including setting market and limit orders, shorting, and buying on margin


  • Options give you market exposure at a fraction of the cost
  • Choose from many different options strategies to help generate income, diversify, or reduce risk

Mutual Funds

  • Mutual funds diversify your portfolio with investments in securities in different companies, industry sectors, asset types, geographic areas or currencies
  • Mutual funds are managed by professional fund managers
  • Depending on the type of mutual fund you buy, you may be able to sell a portion to create cash when you need it
  • D-Series or Class D Mutual Funds can be purchased in a CIBC Investor’s Edge account
  • D-Series or Class D Mutual Funds typically have lower annual management fees, and are available from various fund families across different asset classes


  • A GIC is a safe investment that protects your principal
  • Feel secure knowing how much interest you’ll earn and when
  • Choose from a range of maturity dates, from short-term to long-term

Fixed Income

  • Fixed income is generally considered a safe, conservative investment with a predictable income stream
  • Choose from a wide range of fixed income options, including corporate bonds, strip bonds and asset-backed securities, all with different features, risk ratings and terms

Precious Metals

  •  Precious Metals e-Certificates are another way to diversify your portfolio 
  •  e-Certificates are a popular way to invest in gold and silver with no worries about storing and protecting gold and silver bars 
  •  Gold and silver e-certificates are eligible for your RRSP, RESP, TFSA and RRIF accounts