A Registered Retirement Investment Fund (RRIF) is a great way to earn an income from your investments after you retire. It's a bit like a Registered Retirement Savings Plan (RRSP) in reverse. Here's how it works: you contribute funds to an RRSP before you retire, where they can grow, tax-sheltered. Then when you retire), you convert your RRSP to a RRIF. You can't contribute to a RRIF, but you can draw an income from it while your investments can continue to grow, tax-sheltered.

How does a RRIF work?

The simple answer is that a RRIF lets 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. You do have to withdraw a minimum amount every year. Withholding tax doesn't apply to the minimum amount.

How much do I have to withdraw from my RRIF?

The minimum changes with your age. 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%. If you have a younger spouse, you can use their age.

Are RRIF withdrawals taxable?

Yes, RRIF withdrawals are taxable income, and amounts above the annual minimum are subject to withholding tax.

What kind of investments can I have in a RRIF?

You can have the same mix of investments in a RRIF as you would in an RRSP — cash, GICs, Mutual Funds, publicly traded stocks, corporate and government bonds... whatever works for you.

Can I have more than one RRIF?

Sure, you can have as many RRIFs as you like. But keep in mind you'll have to apply the minimum withdrawal rule to all of them. Most people prefer to have one rather than several, because there's no real advantage to having more than one.

注册退休收益型基金

R R I F收益可享受免税优惠
每年从您的R R I F中取出您所需要的金额
轻松将所有注册退休储蓄计划合并为一个退休R R I F

为什么投资R R I F?

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R R S P中一样。
灵活性
每年从您的R R I F中取出您所需要的金额（高于年度最低金额）
简单性
当您准备转换到R R I F时，您可以合并您的所有R R S P账户，即使它们不是通过B M O持有。

注册退休收益型基金相关数据

71:

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

如何让您的R R I F收益最大化

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%。

查看下面的提款率：

图标显示了基于截至1月1日您的年龄的最低提款金额
截至1月1日的年龄	年度最低提款率
截至1月1日的年龄	年度最低提款率
60	3.33%
65	4%
70	5%
75	5.82%
80	6.82%
85	8.51%
90	11.92%
95+	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

除了能为您所做的一切之外，这里有另一个绝佳理由开始：极好的费率和优惠以帮助您从一开始就获得真正的财务进展。立即开始，易如反掌。

工具和资源

RRIF 计算器
计算一下您退休后的R R I F支付会是怎样一种情况。
RRIF纳税信息
您需要了解的有关R R I F税金的一切信息。

了解更多有关R R I F和通过B M O投资的情况

SmartFolio：适用于您的明智解决方案 RRIF

了解R R I F账户如何通过SmartFolio运作。

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.

如何投资像专家

像专家一样投资并不复杂。

R R I F常见问答

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。注册退休投资基金(R R I F)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(R R S P)有点相反。它是这样运作的：您在退休前将资金存入一个R R S P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R R S P转换成R R I F。您无法向R R I F供款，但您可以从中获得收入，同时您的投资可以继续增值而且免税。
简单的回答是，RRIF让您的投资增值且免税，甚至您还可从账户中获得退休收入。在您退休时，您必须将您的RRSP转换成RRIF，并且必须在您满71岁的当年年底之前转换。您可以像管理RRSP那样管理您的RIFF投资。您可以按任何时间计划（按月、按半年、或按年，甚至偶尔一次性）按需从RRIF中给您自己提供支付。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。简单的回答是，R R I F让您的投资增值且免税，甚至您还可从账户中获得退休收入。在您退休时，您必须将您的R R S P转换成R R I F，并且必须在您满71岁的当年年底之前转换。您可以像管理R R S P那样管理您的R I F F投资。您可以按任何时间计划（按月、按半年、或按年，甚至偶尔一次性）按需从R R I F中给您自己提供支付。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。如果您在今年1月1日满65岁，您的最低额度是您的R R I F总额的4%。如果您年满71岁，其为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
当然可以，您想拥有多少注册退休收入基金账户都可以。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。

我们的联系方式

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预约

- 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.
- All investments, including these, are subject to risk, including the possible loss of principal.
- Investment professional refers to Personal Bankers, Financial Planners, Investment and Retirement Planning and Investment Specialists that are representatives of BMO Investments Inc.
- trademark/® Trademarks of Bank of Montreal.

注册退休收益型基金

为什么投资R R I F?

免税收益

灵活性

简单性

注册退休收益型基金相关数据