Living well during your retirement means managing your retirement income wisely. When you terminate your Registered Retirement Savings Plan (RRSP), all the money remains sheltered from tax if you move it to a Retirement Income Option (RIO) and only the money withdrawn each year is taxed for that year. A Registered Retirement Income Fund (RRIF) is the most flexible RIO and is best suited to people who want to make their own decisions regarding their retirement income.


  • Funds continue to earn interest while on deposit
  • Control over amount of monthly/annual payments
  • The balance is available for survivors
  • Deposit insurance protection 



  • Variable and Fixed Rate Plans available with fixed terms from 3 months to 5 years
  • Secure investment with principal and interest guaranteed


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