Skip Navigation

Contact Us

Sharon Kubicek
Alisa Carli
Christine Duggan

1 First Canadian Place
40th Floor , P.O. Box 150
Toronto, ON
M5X 1H3

Retirement Income Funds


A RRIF is the most flexible way to manage and control your finances when you retire.

Selecting the right retirement income option is one of the most important financial and estate planning decisions you'll make. Especially today, when statistics show that Canadians are living longer, healthier lives. It's important to make choices that not only protect your savings but ensure that the purchasing power of your money lasts for decades.

A Registered Retirement Income Fund (RRIF) allows you to continue to earn tax-deferred income on a significant portion of your retirement assets while providing you with the flexibility to increase your withdrawal at any time. For these reasons, RRIFs are the RRSP maturity option of choice for many Canadians.

A RRIF is very much like an RRSP in reverse. While an RRSP helps you save for retirement, a RRIF is designed to provide an annual income in the form of withdrawals from the plan during your retirement.

Like an RRSP, the assets in the RRIF continue to be tax sheltered until withdrawn. With a RRIF you continue to control how your funds are invested and have access to all the same investments you had with an RRSP.