A target date solution built for retirement ambitions

An intentional approach for retirement needs

Glide path built for retirement success

A target date solution with a distinctive glide path design, engineered to optimize the asset mix at each stage of plan members’ investment horizon.

Private markets for enhanced diversification

Access to private markets to improve long-term diversification and potential risk-adjusted returns in the portfolio.

Active and passive investment structure

Active management in less efficient markets to pursue value‑add, plus passive exposure in efficient markets to provide broad market coverage, help to control tracking error and manage fees.

Why choose CIBC Target Retirement Date Portfolios

Designed for Canadians

Our portfolios are tailored for the Canadian market. Key considerations include Canadian economic factors and a home country bias, while recognizing the unique demographics and investment behaviours of Canadian plan members.

Supporting members through every stage

A custom glide path begins with growth assets — emphasizing public and private equities — and gradually transitions to fixed income and select alternatives as retirement approaches, balancing growth in early stages with wealth preservation later on.

Diversified, cost-effective solutions

By integrating active management in less efficient markets and passive strategies in efficient ones, along with private market access, our portfolios achieve broad diversification and cost efficiency. This comprehensive approach aims to deliver strong, risk-adjusted retirement outcomes.

A unique glide path designed for Canadians

CIBC Target Retirement Date Portfolios are built for Canadian plan members, employing a dynamic glide path that adjusts asset allocation as participants approach and move through retirement. The unique glide path extends to age 70, aligning with Registered Retirement Income Fund (RRIF) requirements and evolving retirement patterns.

During the accumulation phase, portfolios are globally diversified with a higher allocation to equities and alternative investments — including private equity and commercial mortgages — to pursue growth and risk-adjusted returns. As retirement nears, the mix shifts to Canadian fixed income and reduced equity exposure to help mitigate sequence-of-returns risk, enhance capital preservation and limit volatility. This approach is designed to optimize outcomes for plan members.

Glide path chart illustrating how asset allocations change as the estimated target retirement date approaches. Data table follows.
Glide path chart illustrating how asset allocations change as the estimated target retirement date approaches. Data table follows.
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Explore our suite of Target Retirement Date Portfolios

A comprehensive range of solutions for all retirement horizons, including a dedicated Retirement Income Portfolio to address post-retirement income needs.

  • CIBC Target Retirement Date 2065 Portfolio
  • CIBC Target Retirement Date 2060 Portfolio
  • CIBC Target Retirement Date 2055 Portfolio
  • CIBC Target Retirement Date 2050 Portfolio
  • CIBC Target Retirement Date 2045 Portfolio
  • CIBC Target Retirement Date 2040 Portfolio
  • CIBC Target Retirement Date 2035 Portfolio
  • CIBC Target Retirement Date 2030 Portfolio
  • CIBC Target Retirement Date 2025 Portfolio
  • CIBC Retirement Income Portfolio
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A strategic partnership with American Century Investments

Meet the investment management team

Leslie Alba

Executive Director, Portfolio Solutions, CIBC Asset Management

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Glen Martin

Portfolio Manager, Global Beta Overlays & Outcome Management, CIBC Asset Management

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Michael Keaveney

Vice-President, Managed Solutions, CIBC Asset Management

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