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RRIFs

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A Registered Retirement Income Fund, or RRIF, is a registered account that allows you to continue the investments held in an RRSP on a tax-sheltered basis, while paying you an income for as long as you choose or as long as there is money available in the plan.

A RRIF can be flexible in providing your retirement income, and just like an RRSP, you can own more than one RRIF at a time.

RRIF Investment Options:

Peter Howard-Jones

Different types of RRIF plans offer different investment options.

A Daily Interest Account is a temporary account that usually pays daily interest at a low variable rate. You can access your money at any time without penalty or you can invest it for longer terms when you feel interest rates are more acceptable.

With a Guaranteed Interest Contract (GIC) your investment term can usually range from one to ten years. You pick the length of term and your money earns that guaranteed interest rate over the term specified. At the end of that term, you can choose to reinvest for a term that suits your needs. Some RRSP plans allow you to transfer assets from existing terms intact, giving you flexibility to convert to a RRIF at any time.

Another option is Investment Funds. Your RRIF can hold segregated or mutual funds where the performance is tied to the underlying investments held in the fund. These are typically based on the stock and/or bond markets, and returns will fluctuate with the market's performance.

You could select a Self-Directed RRIF, where you can hold a combination of assets in your RRIF. Your financial advisor can provide you with more details on this type of account.

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