Explore our full range of accounts and investments

• 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?

• 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?

• 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?

• 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 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 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