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The RIF is a Registered Retirement Income Fund (RRIF) that provides retirement income from investments in a tax-sheltered environment. When it comes time to close your RRSPs, you can roll over your RRSP funds tax-free into the RIF and tailor your taxable retirement income withdrawals to your needs.

For your RIF portfolio you can choose from the CDSPI family of funds managed by leading fund managers, as well as short-term and long-term Guaranteed Funds. There are no routine transaction fees* and low fund management fees (1.77 per cent or lower). For those with locked-in retirement savings, a Life Income Fund (LIF) and a Life Retirement Income Fund (LRIF) are available.

* Surcharges may be levied for short-term trading.

Download RIF Plan Sheet
Download RIF Application

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