Registered Retirement Income Fund (RRIF)

Think of a Registered Retirement Income Fund (RRIF) as an extension of your Registered Retirement Savings Plan (RRSP); you use your RRSP to save for your retirement and later withdraw an income from your RRIF during your retirement.


  • your RRIF can help you keep more of your money; your RRIF's investment growth is tax-sheltered until you need it and is only taxed as income upon withdrawal
  • receive a constant income flow by rolling your RRSP into an RRIF
  • if you decide that an annuity is more suitable to you, you can convert the balance of your RRIF at any time
  • an RRIF lets you control how your money is invested
  • choose from a variety of investment options including savings accounts, guaranteed investment certificates (GICs) and mutual funds*

Please get in touch with an ACU financial account manager or a Credential Asset Management Inc. or Credential Securities advisor at ACU to discuss which investment options are the best fit for your portfolio.   

*Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc.


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Designation of Beneficiary

Be sure you have decided on and spelled out who should receive your remaining registered savings in the event of your death. And be aware that if you marry or divorce, your Designation of Beneficiary will not be revoked or changed automatically. You must complete a new Designation of Beneficiary form. Don't delay, speak to your account manager soon.