Explore our full range of accounts and investments

• 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?

• 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?

• 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?

• 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 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 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