Registered retirement income fund

Your first move in retirement? Keep on growing.
Just because you’re done working, doesn’t mean your investments should too. A Questrade retirement income fund gives you the opportunity to continue building your portfolio once you retire or turn 71. Our clients also benefit from our focus on keeping your costs down: there are no annual fees and our trading commissions are the lowest in Canada. Make the most of your retirement income fund.


What is a retirement income fund?

It’s a registered trading account that allows you to convert your RRSP, so you can keep trading and growing your money. There is a minimum annual withdrawal, as defined by the government, but you’ll only pay tax on what you take out every year (rather than the total value of the account).

How an RIF works for you

Retiring doesn’t mean your money has to stop working. Keep trading, take out money as you need it, and only pay tax on what you withdraw each year.

What you can trade in your RIF

Like many other registered accounts, a RIF can contain stocks, options, ETFs, mutual funds, bonds, and precious metals.

It’s your money. Keep it that way.

No fees to open and no annual fees. Your money is exactly that.

Can I keep contributing money to my RIF?

You cannot continue to contribute cash to your RIF, but your investments can continue to work.

I want to learn more about RIFs

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