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Teach your old money new tricks by converting your RRSP into an RRIF. 

Until December 31 of the year you turn 71, you can convert your RRSP to an income-generating vehicle. As long as you meet the minimum annual withdrawal required each year (based on the value of the RRIF and the plan holder’s age, or spouse’s age, at the beginning of the year the withdrawal takes place), you can enjoy the benefits of a RRIF. The payments made to you from your RRIF are taxable, but the investment in a RRIF continues to grow tax-deferred until funds are withdrawn.

Investment Options

RRIFs are available in all the same types as RRSPs. Choose from a wide range of RRIF investment options to grow your future income.

Retirement income options depend entirely on your personal situation, including:

  • Health
  • Present Income & Tax Brackets
  • Cash Requirements
  • Estate Preservation Goals
  • Desired Inflation Protection

At YNCU, we'll help determine what type of RRIF investment options will work best for you.



You’ve worked hard all your life. Now it’s time to let your money work for you. Understand your investment options to plan a clear path to a secure retirement.




It’s not exactly pleasant to think about, but it’s important to have an up-to-date will and estate plan in place to resolve financial affairs after your death.



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