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​REGISTERED RETIREMENT INCOME FUND (RRIF)

Set up a steady stream of retirement income and keep growing your investments tax sheltered.

Why You Should Have a RRIF

✔ Control how much money you take out
✔ Transfer to spouse tax-free
✔ Keep deferring taxes

What is a RRIF?

A RRIF is a fund that you draw money from during your retirement. You also earn tax sheltered money on the investments inside it and can even transfer your RRIF to your spouse without anyone paying tax.

How Does it Work?

When you turn 71, you put the investments from your RRSP into a RRIF. This helps you avoid paying taxes on the entire value of your RRSP and gives you the funds needed to withdraw a set amount each month or whenever you want.

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