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Registered Accounts

Registered Accounts

From education and retirement savings to retirement income, CIBC Investor’s Edge offers a registered account for all of your needs, along with tools and resources to help you build and manage your portfolio.

Account Fees

With CIBC Investor’s Edge, you can put more of your money towards your financial goals with no annual administration fee on RRSP, RRIF, LIRA and LIF accounts that maintain a market balance greater than $25,000. And, you won’t pay an administration fee on RESPs and TFSAs, regardless of your account balance.

For more details, see our Fees and Commissions schedule.

Registered Retirement Savings Plan (RRSP)

A CIBC Investor's Edge RRSP offers you all the flexibility you need to effectively plan for your retirement. You have access to a wide range of investments, including equities, mutual funds, GICs, fixed income products and more.

Additional retirement accounts include Locked-In Retirement Accounts (LIRA).

Tax-Free Savings Accounts (TFSA)

A Tax-Free Savings Account (TFSA) is a flexible savings plan that allows you to save for short- or long-term goals. When you contribute to a TFSA, your investments grow tax-free within the account and you won’t be taxed even when you withdraw funds. Eligible TFSA investments include equities, mutual funds, ETFs, cash, GICs, bonds and more.

Registered Retirement Income Fund (RRIF)

A CIBC Investor's Edge RRIF lets you take control of your retirement with a variety of investment options, including equities, fixed income products, GICs and mutual funds.

Additional retirement income accounts include Life Income Funds (LIF), Locked-In RIFs (LRIF) and Prescribed RIFs (PRIF).

Registered Education Savings Plan (RESP)

When you save for your child’s future post-secondary education with an RESP, you may also benefit from government grants, paid on eligible contributions. Income earned within the account grows tax-free until funds are withdrawn to pay for post-secondary education expenses.

For more information on RESPs and CESG, visit the Canada Revenue Agency (CRA) website.

® Investor's Edge, CIBC Investor's Edge, Fundbuilder and Sharebuilder are all registered trademarks of CIBC.

The information contained herein is considered accurate at the time of posting. CIBC, CIBC World Markets Inc. and CIBC Investor Services Inc. reserve the right to change any of it without prior notice. It is for general information purposes only. Clients are advised to seek advice regarding their particular circumstances from their personal tax advisors.

CIBC Investor's Edge is the discount brokerage division of CIBC Investor Services Inc., member of the Canadian Investor Protection Fund. CIBC Investor Services Inc. does not provide you with any legal, tax, or accounting advice or advice regarding the suitability or profitability of a security or investment in a CIBC Investor's Edge account. You assume full responsibility for transactions in your CIBC Investor's Edge account and for your investment decisions.

The information on this Web site is general only; it is not intended as specific investment, financial, accounting, legal or tax advice for any individual, and you should not rely on it as such.

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