Retirement

How to get the retirement you want

No matter what your plans may be, you probably know one thing for sure about your retirement - you want to enjoy it.

We have retirement planning and income options to help you achieve the retirement you want.

Retirement planning: RRSPs

To make your retirement everything you want it to be, you need a plan. Let us help. We have solutions designed to meet your investment needs and goals for your Registered Retirement Savings Plan (RRSP).

Calculate your contribution

Retirement income: RRIFs and LIFs

We offer a wide variety of investment products and services to provide you with income to meet your changing retirement needs.

For more information on CIBC RRSPs, RRIFs and LIFs, call:

• CIBC Mutual Funds and CIBC Managed Portfolio Services: 1-800-465-3863
• CIBC Personal Portfolio Services: 1-888-357-8777
• CIBC RRSP GICs: 1-866-525-8622
• CIBC RRIF or LIF GICs: 1-800-465-3863

Important Information about CIBC Securities Inc. and Mutual Funds

CIBC Mutual Funds and CIBC Family of Managed Portfolios are offered by CIBC Securities Inc., a subsidiary of CIBC. The CIBC Family of Managed Portfolios consists of CIBC Managed Portfolios and CIBC U.S. Dollar Managed Portfolios, which are mutual funds that invest primarily in CIBC Mutual Funds. CIBC Managed Portfolio Services is a service that helps you select an appropriate professionally built CIBC Managed Portfolio or CIBC U.S. Dollar Managed Portfolio. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read CIBC Mutual Funds and CIBC Family of Managed Portfolios prospectuses before investing. To obtain a copy, call CIBC Securities Inc. at 1-800-465-FUND (3863) or ask your mutual fund representative at any branch where CIBC Mutual Funds and CIBC Family of Managed Portfolios are sold. For periods greater than one year, the indicated rates of return are the average annual compound total returns as of the date indicated including changes in unit value and the reinvestment of all distributions and do not take into account sales, redemption, distribution or other optional charges or income taxes payable by any unitholder that would have reduced returns. The performance data for money market funds also shows the current yield and effective yield as of the date indicated and assumes the reinvestment of distributions only and does not take into account sales, redemption, distribution or other optional charges or income taxes payable by any unitholder that would have reduced yields. CIBC Mutual Funds and CIBC Family of Managed Portfolios are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer, nor are they guaranteed by CIBC. There can be no assurance that money market funds will be able to maintain their net asset value per unit at a constant amount or that the full amount of your investment in a fund will be returned to you. The values of many mutual funds, such as Income and Growth Funds, can change frequently. Past performance may not be repeated.

The U.S. dollar versions of funds/portfolios are not eligible for registered accounts offered by CIBC Securities Inc. The U.S. dollar versions of funds/portfolios can be held within registered CIBC Investor Services Inc. accounts. Other dealers may allow the funds/portfolios to be purchased in U.S. dollars within registered accounts.

CIBC Mutual Funds and CIBC Family of Managed Portfolios are available across Canada. The information contained on this site does not constitute an offer or solicitation to buy or sell any investment fund, security or other product, service or information to any resident of the U.S. or the U.K. or to anyone in any jurisdiction in which an offer or solicitation is not authorized or cannot legally be made or to any person to whom it is unlawful to make an offer or solicitation.

CIBC representatives offering mutual funds in Quebec are "Mutual Fund Representatives" of CIBC Securities Inc.

The information is not intended to provide specific financial, investment, tax, legal or accounting advice for you, and should not be relied upon in that regard. You should not act or rely on the information without seeking the advice of a professional.

Important Information about CIBC Personal Portfolio Services

CIBC Personal Portfolio Services is a discretionary investment management service provided by CIBC Trust Corporation, a subsidiary of CIBC, to individuals with household investable assets greater than $100,000.