How much can I invest?

The lifetime RESP contribution limit is $50,000 per child and contributions can be made until the child turns 31. There is no annual maximum contribution limit.

Learn more about types of RESPs

Learn more about the available provincial grants and incentives 

CIBC RESP investment choices

We offer a number of CIBC investment solutions for your CIBC RESP portfolio:

CIBC Smart Investment Solutions

Many investors don't have the time or expertise to build a diversified portfolio and constantly monitor and adjust it. CIBC Smart Investment Solutions, our "All-In-One Fund Solution", is an easy and effective way to hand the responsibility of managing your money to professional investment managers.

Learn moreabout CIBC Smart Investment Solutions

CIBC Mutual Funds

Whether you're a savings-oriented investor, a growth-oriented investor, or somewhere in between, we offer a comprehensive selection of individual mutual funds with a full range of savings, income, and growth funds, as well as one of Canada's largest family of index funds.

Learn moreabout C I B C Mutual Funds


CIBC offers RESP Guaranteed Investment Certificates (GICs) in terms ranging from 1 to 5 years. These GICs provide guaranteed principal and interest, making them an ideal part of a diversified portfolio.

Or for self-directed investors…

Learn moreabout R E S P G I C products

CIBC Investor's Edge®*

The CIBC Investor's Edge RESP is a self-directed plan, which allows you access to stocks, bonds, GICs and more than 2,000 mutual funds. The hallmarks of a self-directed RESP are flexibility, control, and broad investment choice.

Learn moreabout C I B C Investor's Edge

Back to school convenience

A CIBC Personal Line of Credit can be a simple and convenient borrowing option to help cover education expenses.

Learn moreabout C I B C Personal Lines of Credit

Benefits of an RESP

  • Government Contributions
  • Tax-sheltered growth
  • Flexibility
  • Tax savings

Learn moreabout the benefits of an R E S P

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