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RRIF — Registered Retirement Income Fund

Protect Your Business and Families with Insurance

RRIF

Best for: Converting retirement savings into a predictable income stream

A RRIF allows you to turn your retirement savings, such as those in an RRSP, into a flexible, tax-efficient income source during retirement. Funds continue to grow tax-deferred, while you receive regular withdrawals to support your lifestyle.

Key Features:

  • Minimum annual withdrawals required by the government
  • Investment growth remains tax-deferred within the RRIF
  • Withdrawals are taxable as income
  • Wide range of eligible investments, including stocks, bonds, mutual funds, and GICs
  • Remaining funds can be passed to a spouse or beneficiaries with tax advantages

Why it matters: RRIFs help retirees manage cash flow, taxes, and investment growth, providing financial security and flexibility throughout retirement.

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