Continue to grow your savings while you draw retirement income
- Choose from a wide range of flexible investment options
- Make regular or one-off withdrawals
Your browser is configured to not accept cookies.
Some features of the site are not available or will not work correctly without cookies.
Also, some information presented might not apply to your situation.
See How to enable cookies.
Your browser is not supported by our website. Some features of the site are not available or will not work correctly.
See the procedure to update your browser.
Registered retirement income fund (RRIF)
A RRIF is used to convert the savings in your registered retirement savings plan (RRSP) into retirement income.
There is a minimum annual withdrawal amount, but no maximum.
Life income fund (LIF)
A LIF is used to convert the savings in your locked-in retirement account (LIRA) into retirement income.
There are minimum and maximum annual withdrawal amounts. Because the product is designed to provide you with income for the rest of your life, your savings remain locked in.
Do you have questions about registered savings plans? Contact your advisor today to get the expertise and guidance you need!
See how a wealth management advisor can help with all the financial aspects of your life. Find a Desjardins caisse
Turn to our expert advisors for stock market advice and personalized portfolio management.. Learn more about Desjardins Securities
Make your own trades using our sophisticated low-cost online trading platform. Learn more about Desjardins Online Brokerage
Supported by a team of specialists, your wealth management advisor will meet all your distinctive financial needs. Learn more about Desjardins Signature Service
Turn to experienced managers who can take care of everything for you