Registered Retirement Income Fund
Registered Retirement Income Fund
Turn Your Retirement Savings into Steady Income.
A Registered Retirement Income Fund (RRIF) is the next step after your RRSP. Once you retire, your RRSP savings can be transferred into a RRIF, allowing you to receive regular income while continuing to enjoy tax-deferred investment growth. You must withdraw a minimum amount each year, but the rest of your money stays invested to keep working for you.
What Does a RRIF Offer?
Steady Retirement Income – Withdraw funds regularly to cover your living expenses.
Tax-Deferred Growth – Investments continue to grow until they are withdrawn.
Flexible Withdrawals – Choose how much to withdraw above the minimum annual requirement.
Wide Investment Options – Keep your money in stocks, bonds, ETFs, GICs, or segregated funds.
Estate Planning Benefits – Name beneficiaries to receive remaining funds directly.
No Maximum Withdrawal Limit – Access your money when you need it.
Who Can Benefit from a RRIF?
- Retirees who want to convert their RRSP into an income stream
- Anyone wanting to keep investments growing during retirement
- Individuals looking for a tax-efficient way to manage withdrawals
- Those wanting to maintain control over their retirement funds
Why Choose Us?
Access to top RRIF investment options in Canada
Tailored withdrawal strategies to fit your retirement needs
Expert financial guidance to minimize taxes
