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You are here: Home > Personal > Savings and investment > Tax-sheltered plans > Registered retirement income fund (RRIF)

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Registered retirement income fund (RRIF)

An easy way to draw retirement income

  • Tax-sheltered investment income
  • Lump-sum withdrawals allowed

Registered retirement income funds are extensions of RRSPs.

  • The minimum annual withdrawal amount is established at the beginning of each year based on your choice of your age or the age of your spouse.
  • You can convert all or part of your RRSP to a RRIF before you turn 71.
  • You can withdraw more funds, but not less than the set minimum amount.
  • Starting from the year after you set up an RRIF, you must withdraw a minimum amount each year.
  • Amounts you receive from an RRIF are included in your taxable income.
  • You may hold more than 1 RRIF.
  • You can spread income out over a number of years to create lifetime income and spread your tax burden over several years.
  • You can convert all or part of your RRIF into an annuity at any time.
  • Conventional RRIF
  • A combination of products: interest is guaranteed and withdrawals are simple
  • Hassle-free
  • Capital 100% guaranteed
  • Zero risk
  • A variety of features and terms
  • Invest in stock markets with a safety net
  • Income and capital security
  • Guaranteed investment funds from Desjardins Financial Security
  • Protection against downturns
  • Easy access to all markets
  • Portfolio diversification
  • A turnkey solution
  • Regular rebalancing to match your risk tolerance
  • To optimize net after-tax return
  • Initial investment of $100,000
  • Socially responsible investing
  • 4 portfolios that combine ethical and financial benefits
  • Since 1956
  • 6 groups of funds, including specialty funds
  • In step with your values
  • Socially responsible funds, managed by Canada's leader in socially responsible investing


  • With or without the help of an investment advisor
  • Stocks, bonds, exchange-traded funds and more

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  • Income flexibility
  • Optional withdrawals to cover the unexpected
  • Choice of investments
  • Optional RRIF/annuity combination


  • Exposure to interest rate and market fluctuations
  • Risk of losses



  • Fixed, predictable monthly income
  • Easier budget planning
  • Optional annuity/RRIF or LIF combination


  • Unchangeable income
  • Does not benefit from market shifts

The money in an RRIF can be converted into a number of different savings and investment products without restriction.

Desjardins offers a range of options to meet your RRIF portfolio diversification needs, whatever your investor profile may be.

Desjardins Personalized Annuity RRIF

  • 1- to 5-year certificate of deposit.
  • Guaranteed return for the duration of the term.
  • Choose between minimum, regular or indexed payments, which you are free to change at any time.
  • Lump-sum withdrawals can be made at any time.
  • You can have more than one Desjardins Personalized Annuity RRIF to diversify your investments.

Conventional RRIF

  • A combination of regular savings and term savings.
  • Regular annuity payments are made from the regular savings account portion. Term deposits are transferred annually to your savings account to provide the funds required for regular payments and withdrawals.
  • Regular savings interest rate fluctuates with market rates.
  • Term savings (1- to 10-year terms) provides higher, guaranteed rate until maturity.

Desjardins market-linked guaranteed investment RRIF

  • Return is linked to the growth of one or several indices.
  • Capital 100% guaranteed.
  • Higher return potential.
  • Retirement income option available for regular and stable income.
  • No administration fees.

Desjardins Funds RRIF

  • Access to all financial markets.
  • High return potential.
  • Diversification by asset class.

Guaranteed investment funds RRIF (Helios2 Contract)1

  • A choice of 33 funds, including 6 portfolios with turnkey solutions adapted to your needs.
  • A choice of 2 different guarantees (Guarantee 75/75 or Guarantee 75/100 i) that protect your capital from market downturns and readjust its value to reflect upturns.
  • The flexibility of adding the Guaranteed Lifetime Withdrawal Benefit (GLWB) at any time to ensure guaranteed and predictable retirement income, regardless of market fluctuations.

Self-directed RRIF

  • Allows you to build a customized portfolio.
  • Wide choice of investment options, including stocks, trust units, strip coupons and investment funds.
  • Administered by Desjardins Securities, member of the Canadian Investor Protection Fund (CIPF).

RRIF-annuity combination

An attractive option for some people.

  • The RRIF portion ensures investment income flexibility.
  • The annuity portion ensures retirement income stability.

Before investing, determine your financial objectives, expected returns, the investment maturity date and when you'll need the funds, as well as your level of tolerance to risk and market fluctuations.

1. The Helios2 Contract is offered by a financial security advisor from Desjardins Financial Security (DFS) and will not appear on your integrated caisse statement. Guaranteed Investment Funds are managed by Desjardins Financial Security Life Assurance Company.

At death:

  • At death, the RRIF balance is transferred to the surviving spouse or, under certain conditions, your estate.
  • Since July 1, 2011, to defer taxation of a RRIF, it is possible to transfer up to a maximum of $200,000 from the RRIF of a deceased individual into the registered disability savings plan (RDSP) of a child or grandchild with disabilities who was financially dependent on the deceased.

Deposit insurance:

Depending on which province your caisse is located in, deposits in each caisse are guaranteed3 by the Autorité des marchés financiers or the Deposit Insurance Corporation of Ontario, subject to their prescribed conditions.

Desjardins caisses in Quebec are registered with the Autorité des marchés financiers, in conformity with the terms of the Deposit Insurance Act. In Ontario, deposits in registered savings plans are insured for their total amount by the Deposit Insurance Corporation of Ontario (DICO). Other deposits in Canadian dollars are insured up to $100,000. To learn more about deposit insurance, visit the websites of the Autorité des marchés financiers and the Deposit Insurance Corporation of Ontario.

3. This guarantee does not apply to money invested in mutual funds or other investment vehicles whose value and returns fluctuate depending on market performance, such as stocks, bonds and Treasury bills, to name a few.