Income Investments

Protect and grow your wealth.

As you’re approaching retirement and reaching your retirement goals, you may be thinking about how to manage income from your investments.

In our role as your wealth partner, our team is committed to helping you strike an optimal balance between growth-driven investments and stable financial instruments like GICs, Mutual Funds, and other low-volatility assets. Such assets can potentially mitigate short-term market risks, enhancing the resilience of your retirement portfolio.

With us by your side, you gain an insightful perspective on your retirement investment strategy. We are dedicated to optimizing your idle capital, and together, we'll define and achieve your unique financial aspirations for retirement.

Making your portfolio Retirement Ready

Fine-Tuning Your Investments for the Next Chapter

As you transition into retirement, your investment priorities naturally evolve. Our approach is to fine-tune your portfolio to align with your updated risk profile, income requirements, and overarching goals. With a strategic and deliberate methodology, we aim to protect your wealth while ensuring it continues to work for you, delivering the income you need.

In our approach to retirement readiness, we can help prioritize diversification and consistent income using a mix of assets like dividend-paying stocks from reputable companies, bonds and fixed-income securities for stability, Real Estate Investment Trusts (REITs) to tap into the real estate market, and annuities for dependable cash flows.

Successful investing in retirement is much more than simply diversifying and reducing risk in a portfolio.

Planning the blueprint of your financial future

Although reducing market risk is an essential part of preparing your portfolio for your retirement, your discussions with your CIBC Advisor should always begin with your personal financial needs (retirement planning, estate planning, vacation properties, and education funds).

Discussions about asset volatility or asset class should always come second - and only after the primary purpose and vision of the portfolio has been defined.

That is why all of our investment strategies begin with a Vision Document and a PFO (Personal Financial Organizer) - documents that define the key life/financial events the portfolio is to be planned around, the pillars of your investment strategy, and your vision of your financial future.