Accessibility Quick Links
Registered Products Offer:
What would you like to save for?
Put your money to work with a regular investing plan
Small, consistent contributions can make a big difference. Find out how your money can grow over time.
What is your savings goal?
Start an RRSP with just $25
CIBC RRSP Daily Interest Savings Account (DISA) is an ideal RRSP starter account or a short-term alternative for your funds while you decide how you want to invest.
Learn moreabout the C I B C. R R S P. daily interest savings account.
CIBC Smart Investment Solutions
Free yourself from making day-to-day investment decisions. Start with as little as $500 or $25 per month.
Ways to invest
A visit with an in-branch CIBC advisor can help you get started. You can book an appointment online, by phone or in person at a branch.
Online and mobile trading
CIBC Investor's Edge
CIBC Investor's Edge is an online investing service for investors who prefer to manage their own portfolio. Benefit from competitive pricing, a variety of registered, non-registered and margin accounts, and access to tools and research to help you be a successful self-directed investor. Trade anywhere, anytime through our online trading and mobile trading applications.
Learn moreLearn more about CIBC Investor's Edge. Opens a new window in your browser.
CIBC Imperial Service
From investment and retirement planning to credit and day-to-day banking, Imperial Service advisors provide personalized, objective advice to help you achieve your financial goals.
Learn moreLearn more about CIBC Imperial Service. Opens a new window in your browser.
Meet with an Investment Specialist whenever and wherever is convenient for you.
Paul and Lydia: We know we should be saving for our retirement, but we are unsure how to start. We need to learn more about investing so we can feel confident about our decisions. How can we start saving for our future without giving up the things we love today?"
"Because you're young, you two are in a great position to start saving for your retirement," Paul and Lydia's advisor explains with enthusiasm. "You probably won't be retiring for another 30 or 35 years. With that amount of time, even small amounts contributed regularly can grow to a substantial amount."
He suggests Paul and Lydia start with the basics: a Registered Retirement Savings Plan (RRSP). Their contributions are tax-deductible and may even generate a tax refund that they can put back into their RRSP or use to pay down debt. In addition, all income and earnings are tax-deferred as long as the money remains in the plan.
Paul and Lydia agree with their advisor that to balance their other priorities it's best to start off small. They know how important it is to start investing as soon as possible to give their money more time to grow. With the help of their advisor, they have identified that they can set up a CIBC Regular Investment Plan for $100 a month and plan to increase the amount over time.
To help them choose appropriate investments, their advisor uses the CIBC Investment Selector. Based on their needs, their CIBC advisor will help them build a diversified investment portfolio with the right mix of safety, income, and growth.
Thanks to their regular RRSP contributions, Paul and Lydia are confident they are on the right track -- and they are still able to enjoy the things they love today. They're looking forward to meeting with their advisor again in a year's time - to review their progress to date and make any adjustments their plan might need.