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  • Account Types
  • RRIF: Registered retirement income funds

RRIF: Registered retirement income funds

RRIF: Registered retirement income funds

RRIFs are created when the capital accrued in an RRSP is converted into retirement income.

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  • RRIF RRIF

Key features of an RRIF

Key features of an RRIF

An RRSP must be converted into an RRIF (or LIF) in the year that its owner turns 71, otherwise the RRSP will be wound up and be taxable at its full value in that year.

Investments can grow tax-free until withdrawal. The amounts you take out of the fund will be added to your annual income.

A minimum amount that varies with age must be withdrawn from an RRIF each year (see below).

Age at the beginning of the year Minimum withdrawal percentage from a RRIF (per year)
71 5.28%
72 5.40%
73 5.53%
74 5.67%
75 5.82%
76 5.98%
77 6.17%
78 6.36%
79 6.58%
80 6.82%
81 7.08%
82 7.38%
83 7.71%
84 8.08%
85 8.51%
86 8.99%
87 9.55%
88 10.21%
89 10,99%
90 11.92%
91 13.06%
92 14.49%
93 16.34%
94 18.79%
95 and more 20.00%

There is no cap to the amount you can withdraw. You can also decide the payment frequency that suits you best.

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Invest in mutual funds

Invest in mutual funds

FÉRIQUE Funds and Portfolios provide you with a range of investment opportunities to help you reach your goals and complete your projects. You will find products suited for every investor profile.

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FÉRIQUE Portfolios

Turnkey investment solutions comprised of several funds that are suitable for different types of investors.

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FÉRIQUE Funds

A range of funds that allow you to invest in various sectors of the economy, regions of the world or asset classes.

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Responsible investment

A responsible investing approach focused on the long term that underpins the entire line of FÉRIQUE Funds and Portfolios.

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Discover other types of accounts that might interest you

Discover other types of accounts that might interest you
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TFSA

Protect your returns from tax and access your funds whenever you want.

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RRSP

Save tax-free to ensure your financial health during retirement.

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Learn more about RRSP

Learn more about RRSP
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FÉRIQUE Fund Management and FÉRIQUE Investment Services are non-profit organizations that work in your sole interest. Our mission: to accelerate the financial autonomy of engineering professionals in Quebec.

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