RRIFs
A Registered Retirement Income Fund (RRIF) is a great way to manage your retirement savings after you retire. It's like an RRSP in reverse – but instead of making contributions, you’re making withdrawals as you need them.
Earnings in your RRIF are tax-sheltered- Withdraw as much as you need from your RRIF each year
- Easily consolidate all RRSPs into one RRIF in retirement
限时优惠:
获得高达$3,500† when you transfer registered investments to a BMO RRIF
为什么投资RRIF?
免税收益
您的收益全部免税——所以它们可以继续增值，就像在RRSP中一样。
灵活性
Withdraw as much as you need from your RRIF each year, above the yearly minimum
简单性
当您准备转换到RRIF时，您可以合并您的所有RRSP账户，即使它们不是通过BMO持有。
RRIFs by the numbers
71:
The age at which you must convert your RRSP to a RRIF (or other income option)
5.28%:
自您第71个生日之后那一年开始的最低年度提款金额
0%:
对您最低年度提款金额的扣缴税款
How to make the most of your RRIF
这里有一些方法可以确保您享受到RRIF所提供的最大收益。
有策略地使用您的提款
如果您能尽量减少提款，就可少交税。但要牢记每年的最低提款要求。
知道您的最低提款金额
最低提款金额每年都会变化。60岁的最低金额为3.33%。但其每年都会增加，直至您年满95岁，最低金额将会增加至20%。
预期大笔提款
如果您预计将来需要一大笔钱，则应做好相应规划，并定期提前提取资金。提取金额超过您的最低金额不会有罚款，但会产生相应税费。
充分利用我们的储蓄账户利率
On top of everything else a RRIF/RRSP can do for you, here’s another great reason to start: Great rates and offers to help you make real financial progress right from the start. 立即开始，易如反掌。
Investments you can hold in your RRIF account
定期存款可以保护您的初始投资，让您能够在规定期限到期时收回投资额。 Plus, you can count on a guaranteed rate of return, depending on the GIC you pick.
Pro tip: Market-linked GICs offer higher return potential than traditional Guaranteed Investment Certificates.
投资方法：
- With a BMO 专业人士
- Online with BMO 自管和adviceDirect
债券是一种固定收益的投资，也就是说他们会定期向投资者支付固定的利息，从而为您提供可预测的投资回报。
投资方法：
- With a BMO 专业人士
- Online with BMO 自管和adviceDirect
We have a comprehensive selection of professionally managed mutual funds that can be a great fit in your account. 设计有助于实现您的投资目标且在您可承受风险范围内的投资组合。
投资方法：
- With a BMO 专业人士
- Online with BMO 自管和adviceDirect
像股票一样，交易所买卖基金可以在金融交易所进行交易。ETF（交易所买卖基金）s up of several assets, similar to a mutual fund– making them a diverse investment option.
投资方法：
- With a BMO 专业人士
- Online with BMO Self-Directed, adviceDirect and SmartFolio
股票（也被称为股本）是公司所有权的股份。这些投资可以让您的资金随着公司的发展而增值——无论是通过股价上涨还是分享股息等收益。
投资方法：
- Online with BMO 自管和adviceDirect
Enjoy a tax-efficient, guaranteed monthly cash flow to help you weather volatile markets and life’s uncertainties during your golden years.
投资方法：
- With a BMO 专业人士
- Online with BMO 自管和adviceDirect
Learn more about RRIFs and investing with BMO
SmartFolio：适用于您 的明智解决方案 RRIF
See how a RRIF account works with SmartFolio.
What is a RRIF?
You've worked hard to put money into your RRSP. Find out how to keep your retirement funds working for you with a RRIF.
Invest like a 专家
Find out how to make your savings work harder though you by investing.
RRIF FAQs
注册退休投资基金(RRIF)是您退休后从投资中获得收益的绝佳方法。它与注册退休储蓄计划(RRSP)有点相反。它是这样运作的：您在退休前将资金存入一个RRSP账户，资金在这个账户里可以增值而且免税。而在您退休时，您可以将您的RRSP转换成RRIF。您无法向RRIF供款，但您可以从中获得收益，同时您的投资可以继续增值而且免税。
The simple answer is that a RRIF let's your investments grow tax-sheltered, even while you draw a retirement income from the account. You convert your RRSP into an RRIF when you retire, and you must convert before the end of the year you in which you turn 71. You can manage your RIFF investments just like you did with your RRSP. Pay yourself as much as you want from your RRIF, on any schedule — monthly, semi-annually, or annually — or even as occasional lump sums. 您每年必须要提取最低金额。预扣税不适用于最低金额。 以下是最低金额和预扣税率表。
最低额度随着您的年龄改变。 If you're 65 on January 1 of this year, your minimum rate is 4% of your RRIF’s total value. If you’re 71, it’s 5.28%. 如果您的配偶比您小，您可以利用他/她的年龄。 以下是最低金额和预扣税率表。
是， RRIF withdrawals are taxable income, and amounts above the annual minimum are subject to withholding tax. 查看最低金额和预扣税率表。
您可以在RRIF中持有与RRSP相同的投资组合，如现金、GIC、互惠基金、公开交易的股票、公司和政府债券等等——只要对您有用就可以。
当然可以，您想拥有多少RRIF账户都可以。但请记住，您必须将最低提款规则适用于所有账户。大多数人更喜欢拥有一个而不是多个账户，因为拥有多个账户并没有什么真正优势。
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- This material is for informational purposes only. This material is not intended to be relied upon as research, investment, or tax advice and is not an implied or express recommendation, offer or solicitation to buy or sell any security or to adopt any particular investment or portfolio strategy. Any views and opinions expressed do not take into account the particular investment objectives, needs, restrictions and circumstances of a specific investor and, thus, should not be used as the basis of any specific investment recommendation. Investors should consult a financial advisor and/or tax information applicable to their specific situation.
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