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Registered Retirement Income Fund (RRIF)
Registered Retirement Income Fund (RRIF)
Plan in which the proceeds of your RRSP can be converted into retirement income. Flexible payment options. Funds can be invested in several types of products.
You must transfer your RRSP to an RRIF no later than December 31 of the year you turn 71.
Features
- You choose the periodic payout amount you want and you can change it at any time (subject to the minimum withdrawal amount).
- Choose from monthly, quarterly, semi-annual or annual payments.
- Lump-sum withdrawals permitted.
- Annual minimum withdrawal amount established by law.
- Several investment choices available.
Advantages
- Competitive return.
- Tax-sheltered investment returns.
- Allows you to spread your tax burden over several years. Find out more about RRIF, LIF and taxation.
- Easy to open and monitor.
- You can keep control over all or a portion of your investments.
- You can spread income over a number of years to create a lifetime income.
- You can convert all or a portion of your RRIF into an annuity at any time.
- Periodic payments can be indexed.
Find out more
Read the Manage your retirement income section.
Did you know
To help you achieve your retirement goals, Desjardins Financial Security Guaranteed Investment Funds and the Helios Contract will provide you with a guaranteed and predictable income, regardless of market fluctuations.
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