Benefits of RRSPs

Reduce your taxable income through tax-deductible contributions 

Defer paying taxes on investment growth within your RRSP until you withdraw the funds

Borrow from your RRSP to help buy your first home or pay for your education

Why choose an RRSP with CIBC Investor’s Edge

  • Pay a flat fee of only $6.95 per online equity trade
  • Use our powerful tools and resources
  • Select from a wide range of investment options, including stocks, options, ETFs, mutual funds, GICs and bonds
  • Pay no administrative fees on RRSP accounts with a minimum market balance of $25,000


Video. Money minute: RRSP or TFSA. 1:20. Opens in a popup.
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In defense of RRSPs

Debunking some of the myths that may be keeping Canadians from saving in an RRSP.

In defence of RRSPs: Dispelling common myths (PDF, 50 KB) Opens a new window in your browser.

A red, single-family house

The RRSP, the TFSA and the mortgage

Making the best choice for saving via an RRSP, TFSA or debt repayment.

The RRSP, the TFSA and the mortgage (PDF, 215 KB) Opens a new window in your browser.