Registered Retirement Income Fund (RRIF)

An RRIF is a government-registered fund designed to provide retirement income from a matured RRSP. It shelters your savings from tax, while allowing you to withdraw funds as needed when you retire.

Why invest in an RRIF?

Tax-sheltered growth

Your investment income continues to grow tax-sheltered until it’s withdrawn, working hard for you into retirement.

Control your income

You can manage the amount and frequency of your withdrawals, subject to the legislated minimum requirements.

Flexible investing options

Your RRIF can hold a number of investments, including term deposits and mutual funds.

Tax-free spousal transfer

You can pass your RRIF assets on to your spouse tax-free if you pass away.

Explore your RRIF investment options

Variable Rate Deposits

Minimum Deposit: $5,000 (new), $500 (subsequent)
Option to withdraw funds at any time (fees may apply)

Select Image

Cashable 1-Year Fixed Deposits

Minimum investment: $5,000
Option to withdraw additional funds anytime
Competitive rates guaranteed for the term

Select Image

Fixed Term Deposits

Minimum investment: $5,000
1-5 year terms
Non-redeemable prior to maturity
Competitive rates guaranteed for the term

Select Image

Mutual Funds

Professionally managed mutual funds are offered through our partner, Credential® Asset Management.

Select Image

Ready to get set up?

Select Image

Have questions or need support?

Don’t hesitate to reach out. Our team will happily take the time to get to know you, answer any questions and help you determine the best way to reach your goals.

Get in touch

Select Image