Self-Directed Investing for Retirement

Diversify With A Self-Directed Plan

For the accumulation or payout of your retirement savings, diversification is an important strategy to use. Broadening the investments held within your registered plan can help you reduce risk over the long term and potentially increase returns.

The freedom to modify your investment mix to reflect changes in the market or your personal investment objectives makes this plan the most flexible of all our registered plans. In the accumulation phase, a self-directed plan allows you to grow tax-sheltered savings for your retirement. It's also a popular option for when you need to mature your RRSP into a Registered Retirement Income Fund (RRIF) that will generate a retirement income stream and likely be taxed at a lower rate as funds are withdrawn.

Get Access To A Variety Of Investment Options

The hallmarks of this account are control and broad investment choice. And, having control does not mean that you have to make investment choices independently. You get access to a professional Investment Advisor who will help you make sound investment choices tailored to your personal circumstances and your financial goals. The freedom to modify your investment mix to reflect changes in the market or your personal investment objectives, makes this plan the most flexible of all registered retirement plans.

More Retirement Solutions

In addition, we can deliver the following retirement solutions:

• Fund Partner Plan 
  Gives you a choice of more than 100 mutual funds with no annual administration fee
• Locked-In Registered Plan 
  If you have transferred out of a pension plan, we can provide you with the necessary registered vehicle for your investments

Find The Direction That's Right For You

Your CIBC Wood Gundy Investment Advisor can assist you in creating a self-directed plan customized to your requirements. Use our Find An AdvisorOpens a new window in your browser. tool to locate a CIBC Wood Gundy Investment Advisor near you