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CIBC INVESTOR'S EDGE
Explore our full range of accounts and investments
Registered accounts
TFSA
(Tax-Free Savings Account)
- Grow your investments tax-free–you won’t pay tax on capital gains, dividends or interest earned within your account
- You can withdraw funds tax-free any time, whenever you need it
- Catch up on unused contribution room
RRSP
(Registered Retirement Savings Plan)
- Accomplish two goals with one account: Save for retirement and reduce your taxable income for the year
- You won’t pay any tax on investment growth within your RRSP until you withdraw funds
- Catch up on unused contribution room
- You can hold U.S. dollars and other foreign currencies in your RRSP
RESP
(Registered Education Savings Plan)
- Save for your child’s post-secondary education and the money you contribute may be eligible for Canada Education Savings Grant (CESG) of up to $500 per beneficiary each year
- Your investments grow tax-free until you withdraw funds
- You may be eligible for additional grants, including additional CESG, Canada Learning Bond (CLB) and Quebec Education Savings Incentive (QESI)
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
- You can choose an Individual, Joint or Corporate account
- Diversify your portfolio with variety of investments, from stocks and ETFs, to options and mutual funds, and more
- Set up automatic contributions to your account with Regular Investment Plans and Dividend Reinvestment Plans
Margin account
- Increase your buying power by borrowing funds against your investments
- You can use this account to short sell stocks and exercise other advanced strategies
- You may be eligible for option trading privileges
We offer the following non-personal accounts:
We offer a wide range of investment choices to suit any investor.
Stocks
- When you buy a stock (also called an equity), you’re buying a part of a company and can share in its success
- You can choose stocks from a wide range of sectors, industries, countries and asset classes to diversify your portfolio
- Stocks may give you the opportunity to earn dividends and capital gains
ETFs
(Exchange Traded Funds)
- ETFs are an investment fund, but they’re traded like a stock
- Investing in an ETF can be a simple way to diversify your portfolio
- They are a cost-efficient investment with generally lower fees than mutual funds
Options
- Options are for experienced and sophisticated investors
- They can provide flexibility and leverage that may allow you to profit through the volatility of a stock price
- A variety of option strategies can help you lock in market gains, protect against losses and generate income
Mutual Funds
- Mutual funds may give you access to a diverse portfolio of companies, sectors, asset types, geographic areas and currencies
- A wide range of mutual funds makes it easy to find one that suits your investment objectives
Fixed Income
- Fixed income investments are generally considered safe, conservative investments with a predictable income stream
- You can choose from a variety of fixed income options, including corporate bonds, strip bonds and asset-backed securities, all with different features, risk ratings and term
Structured Notes
- Structured notes are a hybrid investment solution that can offer the growth potential of the market, with some notes also offering the protection feature of bonds
- They’re an alternative to traditional fixed income products, offering exposure to a variety of asset classes and market-linked returns
IPOs
- IPOs give the general public the opportunity to invest in companies that may have previously accepted financing exclusively from large institutional investors, private equity firms or venture capital funds
GICs
- A GIC is a secure investment that protects your principal
- Traditional GICs earn guaranteed interest, while the returns on market linked GICs are tied to the performance of a specified reference asset, such as equities, equity indexes or interest rates
- You invest your money for a specific period and you’re guaranteed to receive your initial investment at the end of the period along with accumulated interest for GICs or asset-linked returns for MLGICs
- You can choose from a range of short-term and longer-term maturity dates
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 without worrying about storing and protecting gold and silver bars
- Gold and silver e-certificates are eligible for your RRSP, RESP, TFSA and RRIF
Call us at 1-800-567-3343Opens your phone app. to purchase e-Certificates.