The RRIF is the logical extension of the RRSP and lets you make the most of your retirement savings!

Why choose the RRIF?

The Registered Retirement Income Fund (RRIF) allows you to transfer, tax-free, money from your RRSP to another retirement savings vehicle so you can pay yourself an income.

Start paying yourself a retirement income

While an RRSP allows you to save, a RRIF provides you with an income from the money you've accumulated in your RRSP. In other words, a RRIF is a disbursement vehicle.

If you're almost 71

According to the law, December 31 of the year you turn 71 is the last day you can hold an RRSP. To benefit from the money you've accumulated in this plan over the years, choosing a RRIF is a wise tax decision.

5 RRIF facts

Here's everything you need to know before converting your RRSP+ to a RRIF.



A RRIF allows you to transfer money from an RRSP so that you can receive retirement income. You only pay taxes on the amounts you withdraw, while the rest of your savings continue to grow, on a tax-deferred basis.


Various disbursement options

A RRIF lets you determine the frequency of disbursements. Whether it's monthly, or just once a year, the choice is yours.


If you're retired, you can open a RRIF account at any time.

There's no minimum age for converting a RRSP to a RRIF. The important thing is to act by December 31 of the year of your 71st birthday. However, to convert your RRSP+ to a RRIF, you must be retired or 65 or older.


You can choose your investments based on your needs.

Whether you want to focus on securing your savings or on a good return, a RRIF offers you all the flexibility you need.


Each year, there's a minimum amount you must withdraw.

This amount is calculated based on your age, or your spouse's age, and the value of the assets held in your RRIF account as of January 1 of the year of withdrawal.

The FERR with FlexiFonds is the logical extension of your Fonds experience

Staying with the Fonds to enjoy retirement is possible!

Fully objective advice

Since they work on salary not commission, mutual fund advisors have only one goal: helping you turn your plans into reality. If none of the funds meets your needs, one of our advisors will provide you with a better suited option.

Products that reflect your needs

Comprising one of our three mutual funds, the RRIF with FlexiFonds allows you to reduce the risk related to your investments through its asset allocation. To help you choose the one that suits you best,  a mutural fund advisor will determine your investor profile with you.

Investments that are consistent with our shared values

With 70% of their investments linked to Québec, our new products reflect the Fonds' mission to support our economy. These savings solutions with a high Québec concentration are unique on the market!

 Most Frequently Asked Questions

I'm almost 71. What should I do with my RRSP+?
Since the year you turn 71 is the legal deadline for holding an RRSP, you have decisions to make. We want to be there for you during this new chapter in your life. Follow our guide to learn more about the options available to you.
More Details : I'm almost 71. What should I do with my RRSP+?
When should I send a request to open a RRIF account?
Generally, there is no minimum age requirement to open an RRIF account. However, it is beneficial to open such an account when your income and income taxes payable have decreased.
More Details : When should I send a request to open a RRIF account?
What are the withdrawal rules for units registered in the RRIF with FlexiFonds?
There are no withdrawal conditions for FlexiFonds products. However, you must start to withdraw money from your RRIF the year after you opened it.
More Details : What are the withdrawal rules for units registered in the RRIF with FlexiFonds?

Want more information about the RRIF?

Give us a call, and let's talk about your plan!

Monday to Friday, 8:30 a.m. to 5 p.m.

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