Types of RRSPs
This RRSP option is built for people who want a guaranteed return and don't want market ups and downs.
What are RRSP GICS?
This RRSP benefit can reduce your taxable income for the year you contribute.
What is a tax deduction?
This client is in their prime-career building years and often asks about down payments, mortgages and planning ahead.
What is a Builder?
What is the new max. term for RRSP Express Loan starting Jan 5, 2026?
What is up to 3 years?
This RRSP option earns interest daily, and is commonly used for short-term holdings inside the plan?
What is a RRSP DISA?
This is the money you might get back after you file your taxes, often boosted by RRSP contributions?
What is a tax refund?
This clients focused on making savings last and creating steady income?
What is Preserver?
The type of loan clients apply for small to average contribution towards their RRSP?
What is RRSP Express Loan?
This is the RRSP product clients use when they're focused on long-term growth and can handle ups and downs?
What is RRSP Mutual Funds?
This is the long-term purpose of an RRSP - setting money aside now to fund your lifestyle later.
What is retirement savings?
This client is building basics - first pay cheques, first benefit plans, first real savings habits.
What is a Starter?
The type of RRSP product that is available year around to make a large contribution to their RRSP?
This is the RRSP platform CIBC offers where client can manage their portfolio directly to buy and sell investments?
What is Investor's Edge?
This RRSP program lets eligible buyers withdraw from their RRSP to put toward buying a first home (with repayment rules).
What is the Home Buyers' Plan (HBP)?
This client tends to have rising income and is focused on building wealth while managing big expenses.
What is a Builder?
This is the fixed rate for both types of RRSP loans available?
What is 3.49%?
If someone says "I'm contributing now but I'm not ready to lock in a term," this is often the go-to?
What is RRSP DISA?
This RRSP program allowed withdrawals to help pay for education or training for you or your spose/common-law partner with repayment rules.
What is Lifelong Learning Plan (LLP)?
This client is strategically building assets and looking to optimize savings to support the lifestyle they want in retirement.
What is Accumulator?
This is the amount of time you can defer a payment for RRSP loans?
What is 60 days deferral?