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Personal Investments


Is it time to withdraw money from your RRSP? The registered retirement income fund (RRIF) is designed for this stage of life, offering flexibiity in determining your investment strategy and amount to withdraw.  These terms can be changed at any time.  Only amounts withdrawn from the RRIF are taxable. Any gains within a RRIF are tax sheltered.  Any gains within a RRIF are tax sheltered.

There are many advantages to an RRIF:

  • You may choose to receive your annuity monthly, quarterly, semi-annually or annually.
  • Funds are tax-sheltered until withdrawal.
  • Interest accumulates on unused funds.
  • Flexibility to invest in guaranteed interest accounts or in segregated funds.