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​​Registered Retirement Income Fund

Live your retirement dreams

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. Let us help you set up your RRIF and show you how to maximize your retirement income.  

WHY START 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.

Let's discuss your options

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