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President's Choice Financial services are provided by the direct banking division of CIBC.

President's Choice Financial MasterCard is provided by President's Choice Bank.

The PC points loyalty program is provided by President's Choice Services Inc.

CIBC Securities Inc.
— index fund portfolios

select your portfolio from one of seven recommended asset mixes

ready to invest

To help you earn the returns you expect, it's important to hold your eggs in different baskets. In other words, diversify. CIBC Securities Inc. provides portfolios to fit your investment profile. Not sure which portfolio is best for you? Let us help.

If you're not sure how to choose a portfolio, start by using our easy-to-use investment planning tool to help decide which portfolio is best for you . We can help you choose a balance of index funds that properly reflects your investment goals.

The CIBC Index Portfolio Rebalancing Service (IPRS) from CIBC Securities Inc. monitors your portfolio on a regular basis to make sure it maintains the right mix of funds. IPRS will automatically rebalance your portfolio semi-annually to make sure it reflects your needs.

which portfolio is best for you?

Conservative Income

15% savings 80% income Canadian 75% International 5% 5% growth Canadian 5%

	fund name		RRSP or Non-RRSP
	CIBC Money Market Fund		15%
	CIBC Canadian Short-Term Bond Index Fund		40%
	CIBC Canadian Bond Index Fund		35%
	CIBC Global Bond Index Fund		5%
	CIBC Canadian Index Fund		5%

Income

5% savings 75% income Canadian 70% International 5% 20% growth Canadian 5% U.S. 8% International 7%

	fund name		RRSP		non-RRSP
	CIBC Money Market Fund		5%		5%
	CIBC Canadian Short-Term Bond Index Fund		35%		35%
	CIBC Canadian Bond Index Fund		35%		35%
	CIBC Global Bond Index Fund		5%		5%
	CIBC Canadian Index Fund		5%		5%
	CIBC U.S. Index Fund		8%		N/A
	CIBC U.S. Broad Market Index Fund		N/A		8%
	CIBC European Index Fund		7%		7%

Income Plus

3% savings 62% income Canadian 57% International 5% 35% growth Canadian 10% U.S. 13% International 12%

	fund name		RRSP		non-RRSP
	CIBC Money Market Fund		3%		3%
	CIBC Canadian Short-Term Bond Index Fund		27%		27%
	CIBC Canadian Bond Index Fund		30%		30%
	CIBC Global Bond Index Fund		5%		5%
	CIBC Canadian Index Fund		10%		10%
	CIBC U.S. Index Fund		13%		N/A
	CIBC U.S. Broad Market Index Fund		N/A		13%
	CIBC European Index Fund		8%		8%
	CIBC Asia Pacific Index Fund		4%		4%

Balanced

0% savings 50% income Canadian 45% International 5% 50% growth Canadian 16% U.S. 18% International 16%

	fund name		RRSP		non-RRSP
	CIBC Canadian Short-Term Bond Index Fund		15%		15%
	CIBC Canadian Bond Index Fund		30%		30%
	CIBC Global Bond Index Fund		5%		5%
	CIBC Canadian Index Fund		16%		16%
	CIBC U.S. Index Fund		18%		N/A
	CIBC U.S. Broad Market Index Fund		N/A		18%
	CIBC European Index Fund		10%		10%
	CIBC Asia Pacific Index Fund		6%		6%

Balanced Growth

0% savings 35% income Canadian 30% International 5% 65% growth Canadian 17% U.S. 23% International 25%

	fund name		RRSP		non-RRSP
	CIBC Canadian Short-Term Bond Index Fund		5%		5%
	CIBC Canadian Bond Index Fund		25%		25%
	CIBC Global Bond Index Fund		5%		5%
	CIBC Canadian Index Fund		17%		17%
	CIBC U.S. Index Fund		23%		N/A
	CIBC U.S. Broad Market Index Fund		N/A		23%
	CIBC European Index Fund		13%		13%
	CIBC Asia Pacific Index Fund		8%		8%
	CIBC Emerging Markets Index Fund		4%		4%

Growth

0% savings 20% income Canadian 15% International 5% 80% growth Canadian 23% U.S. 28% International 29%

	fund name		RRSP		non-RRSP
	CIBC Canadian Bond Index Fund		15%		15%
	CIBC Global Bond Index Fund		5%		5%
	CIBC Canadian Index Fund		23%		23%
	CIBC U.S. Index Fund		28%		N/A
	CIBC U.S. Broad Market Index Fund		N/A		28%
	CIBC European Index Fund		15%		15%
	CIBC Asia Pacific Index Fund		10%		10%
	CIBC Emerging Markets Index Fund		4%		4%

Aggressive Growth

0% savings 10% income Canadian 10% 90% growth Canadian 20% U.S. 32% International 38%

	fund name		RRSP		non-RRSP
	CIBC Canadian Bond Index Fund		10%		10%
	CIBC Canadian Index Fund		20%		20%
	CIBC U.S. Index Fund		32%		N/A
	CIBC U.S. Broad Market Index Fund		N/A		32%
	CIBC European Index Fund		20%		20%
	CIBC Asia Pacific Index Fund		12%		12%
	CIBC Emerging Markets Index Fund		6%		6%

other investment options

• index funds

helpful tools and information

• CIBC Mutual Fund Fees
• CIBC Fund Facts
• CIBC Mutual Funds and CIBC Family of Managed Portfolios Simplified Prospectus
  • Simplified Prospectus - July 28, 2011
  • Amendment No. 1 to the Simplified Prospectus – December 21, 2011
• CIBC Mutual Funds and CIBC Family of Managed Portfolios Annual Information Form (AIF)
  • Annual Information Form - July 28, 2011
  • Amendment No. 1 to the Annual Information Form – December 21, 2011
• CIBC Mutual Funds and CIBC Family of Managed Portfolios Financial Statements
  • Annual 2011
• CIBC Mutual Funds and CIBC Family of Managed Portfolios Management Reports of Fund Performance - Annual 2011
  • Annual 2011
• Quarterly Portfolio Disclosures
  • Quarterly Portfolio Disclosures

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† President's Choice Financial services are provided by the direct banking division of CIBC.

President's Choice Financial MasterCard is provided by President's Choice Bank.