The RRIF (Registered Retirement Income Fund) is a vehicle for disbursing your RRSP. At retirement, or at age 71 at the latest, you must convert your RRSP to begin the disbursement. The RRIF allows you to continue to accumulate taxable income (like the RRSP) with one difference: you must withdraw minimum annual amounts based on your age and the balance in the RRIF.

RRIF features:

  1. A RRIF can be established at any time;
  2. You can have multiple RRIFs;
  3. There is no limit on withdrawals;
  4. A wide range of investment products is available.

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