Skip to main content

​​​Registered Retirement Income Fund (RRIF)

Live your retirement dreams

Maximize your retirement income.  

Registered Retirement Income Funds (RRIFs) are the most popular form of self-directed retirement income.

A RRIF is basically the reverse of your RRSP.  Instead of putting money into a savings plan, you withdraw it as an income source at regular intervals throughout the year. Plan holders are required to take a minimum level of taxable payments from their RRIF on an annual basis. 

At age 71, all RRSP investments must be converted to either a RRIF or an annuity. 

Why choose an RRIF?
Calculator

Why choose a RRIF?

​Defer taxes and maximize your investment potential

Your investment continues to grow tax-sheltered while in a RRIF account.

​You have choices

You choose the payment schedule and withdrawal amount , as long as the required minimum is taken out.

Avoid estate tax

Your RRIF can be transferred tax-free to your spouse if you pass away, as long as they were named as the beneficiary.

RRIF Calculator

Let's discuss your options

Take a look at...

​Financial Planning 

Let our investment advisors guide you on the right path to your financial success. 

​Estate Planning

Be prepared. Talk to a professional to create an estate plan. 

​TFSAs

Grow your savings tax-free with a Tax-Free Savings Account.