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​​​Registered Retirement Income Fund (RRIF)

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.

Discover the retirement income options available to you.

Why choose a RRIF?

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​Defer taxes and maximize your investment potential

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

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​You have choices

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

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Avoid estate tax

If you pass away, your RRIF can be transferred tax-free to your spouse.

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​Let's discuss your options

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Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc.