Education Portfolios

Your path to education savings starts here

The cost of education and cost of living are on the rise, but you can’t put a price tag on education ambitions. It’s important to ensure the learner in your life, whether that’s a child or yourself, can pursue their dreams and ambitions with the best education possible. CIBC Education Portfolios are designed to help you realize one of life’s most important goals.

Education savings made simple

Having to think about saving for education, but also the best type of investment strategy to reach that goal, may feel complex and overwhelming. CIBC Education Portfolios make this simple with a target date approach.

Diversified for success

Portfolios incorporate multiple layers of diversification to help you successfully achieve education savings goals.

Built with the future in mind

Each portfolio’s asset mix is designed to capture growth in the early years and preserve capital as the education date gets nearer.

Suitable for learners of all ages

A target date strategy works for learners of all ages — including adults — because education is a lifelong journey.

Your portfolio's asset mix evolves as post-secondary education approaches

CIBC Education Portfolios automatically adjust from an early focus on growing your savings by investing primarily in equities to focusing more on capital preservation with a greater allocation to fixed income as the post-secondary education date gets closer.

Select the estimated number of years to school enrollment and interact with the graph to view the asset mix at various points in time.

18 years

16 years

14 years

12 years

10 years

8 years

6 years

4 years

2 years

1-0 years

Select age

Years to post-secondary Education	% Equity	% Fixed income

For illustrative purposes only. Target allocations may vary.

CIBC Education Portfolios

CIBC Education Portfolios are designed to provide you with confidence as you save for education goals — whether that’s for a child or yourself.

Maximize your education savings

Invest in a CIBC Education Portfolio with a Registered Education Savings Plan (RESP) to maximize your education savings with a range of tax benefits, provincial and federal education grants and incentives.

Enjoy peace of mind

Markets will change, but the outcome you’re striving for remains the same. CIBC Education Portfolios are professionally constructed and actively managed to navigate changing markets.

Stay invested after post-secondary education begins

Even when you arrive at your education savings goal, your investment keeps working for you. The Graduation Portfolio provides a stable level of income with capital preservation and flexibility to access your funds when they are needed.

Find the portfolio that's right for you

Get started by choosing the CIBC Education Portfolio that aligns with the post-secondary enrollment date you’re saving towards. Each portfolio’s asset allocation, with the exception of the Graduation Portfolio, includes more fixed income and fewer equities every year.

CIBC Target 2045 Education Portfolio

YEARS OF BIRTH: 2025–2029

Asset allocation

⬤ 100% Equity

Learn more About the 2045 Education Portfolio.

CIBC Target 2040 Education Portfolio

YEARS OF BIRTH: 2020–2024

Asset allocation

⬤ 90% Equity
⬤ 10% Fixed income

Learn more About the 2040 Education Portfolio.

CIBC Target 2035 Education Portfolio

YEARS OF BIRTH: 2015–2019

Asset allocation

⬤ 70% Equity
⬤ 30% Fixed income

Learn more About the 2035 Education Portfolio.

CIBC Target 2030 Education Portfolio

YEARS OF BIRTH: 2010–2014

Asset allocation

⬤ 45% Equity
⬤ 55% Fixed income

Learn more About the CIBC 2030 Education Portfolio.

CIBC Graduation Portfolio

Asset allocation

⬤ 100% Fixed income

Learn more About the CIBC Graduation Portfolio.

For illustrative purposes only. Asset weights represent the target asset mix of each portfolio in 2025. Target allocations are subject to change with the asset allocation strategy outlined in the prospectus.

Continue exploring your education savings options

Meet with us

Managed by investment professionals

CIBC Education Portfolios are managed by our experienced team, who work to ensure your portfolio is built to navigate changing markets while staying aligned to your goals, providing you freedom from making day-to-day investment decisions.

Insights and resources

Build your financial knowledge and prepare for school with financial advice.

CIBC Education Portfolios

Simplify the education savings journey.

Learn more about the key features and benefits of CIBC Education Portfolios.

CIBC Education Portfolios Brochure (PDF, 2.5 MB)

Registered Education Savings Plan

Invest in your child's future.

An effective way to save for a child's post-secondary education is with a CIBC Registered Education Savings Plan (RESP).

Learn more about RESPs

RESP Calculator

Thinking about saving for your children's education?

Use our quick and easy calculator to learn about the benefits of government grants and how to grow an RESP.

Get started

FAQ

What are the benefits of an RESP?

How much can I invest in an RESP?

What types of RESPs are available?

What's the difference between a target date education fund and a target date education portfolio?

What are equities and fixed income?

Additional information

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