Explore our full range of accounts and investments

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


  • 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


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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?


  • 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


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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?


  • 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)


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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

  • 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


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What can I invest in?

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


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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


  • 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 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 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
  • You’ll find a wide range of mutual funds so it’s easy to find one that suits your investment objectives


  • A GIC is a secure investment that protects your principal 
  • You invest your money for a specific period, and you’re guaranteed to receive your full investment plus interest income at the end of the period
  • You can choose from a range of short-term and longer-term maturity dates

Fixed Income

  • Fixed income investments are generally considered safe, conservative investments with a predictable income stream
  • You can 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 without worrying about storing and protecting gold and silver bars 
  •  Gold and silver e-certificates are eligible for your RRSP, RESP, TFSA and RRIF