RIF Investment Fund Account

Convert your RSP to a RIF so you can draw income you need from your retirement savings while continuing to grow your investments.

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Simple & Convenient

Get a low-cost¹ indexing strategy & global diversification with an ability to invest automatically.

Retirement income

This product is designed to provide a minimum retirement income amount every year.

Tax-deferred growth

Although you’ll have to pay income tax on withdrawals, your earnings are tax-deferred.

RIF withdrawals and taxes

Interest earned in your RIF isn't taxed. You’ll have to pay income taxes on the mandatory minimum RIF Payment Amounts you’ll receive every year. You can make withdrawals on top of your minimum RIF Payment Amounts, which will be subject to government withholding taxes in addition to income taxes.

Why invest with us?

We’ve been helping Canadians save and invest online for over 10 years, so you can feel confident that you’re on the track towards your long-term financial goals.

Smart Investing

Our passively managed Funds are designed to keep up with the markets while keeping fees low¹. More of your money stays invested and has the potential to grow.

Quarterly rebalancing

Rebalancing your investments to match your target asset mix can be a pain. Our portfolios are reviewed quarterly and rebalanced as needed, so you don’t have to.

Global diversification

A diversified portfolio reduces the risk of having all your eggs in one basket. Why hold one Canadian stock, when you could hold hundreds from different countries?

Simple Investment options to build your future with

Think of these Portfolios as a simple, low-cost¹ way to keep your money working for you – instead of the other way around, for a change. Start with as little as $25 and set up automatic contributions to keep you invested and on track, sweat-free.

Core Portfolios

Tried, tested and true, these are our original Portfolios. They come with our history of helping Canadians reach their financial goals.

Global ETF Portfolios

A simple low-cost¹ way to have exposure to a selection of Exchange Traded Funds (ETFs) in a mutual fund.

Socially Responsible Global Portfolios

Socially responsible investing, or SRI, is a strategy that considers not only the financial returns from an investment, but also its impact on environmental, ethical and social issues.

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Power up your investments with automatic contributions

Using pre-authorized contributions is a simple trick to help your portfolio grow without overthinking it.

Illustration of a line graph showing some volatility, with stacks of 20-dollar bills at several points along the line.

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Q1 investment update 📈 Navigating change

We’re here to help you tune out the tariff talk and focus what you can control.

Illustration of a barometer with the word “change” in the middle. On the left side are clouds with the words “tariffs” and “inflation.” On the right is a sun with the words “diversification” and “growth.”

Want to speak to a Tangerine Advisor?

Our licenced Advisors are here for you if you need them. Speak with us at 1-877-464-5678. Monday to Friday, 8 am – 8 pm ET.

Call 1-877-464-5678

Take a look at our other products

Discover tax-free savings

Open a TFSA to enjoy the benefits of a Tangerine Savings Account and pay no tax on your withdrawals or interest.

Save for your retirement

Earn interest in your RSP while enjoying no minimums and no unfair^{^} fees.

Commissions, trailing commissions, management fees and expenses may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

The indicated rates of return are the historical annual compounded total returns including changes in unit value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any security holder that would have reduced returns.

Mutual funds are not insured by CDIC.

¹A fund's expenses are made up of the management fee (including trailing commission), operating expenses, trading costs, and fixed administration fee. The annual management fee is 0.80% of each Tangerine Core Portfolio, 0.50% of each Tangerine Global ETF Portfolio, and 0.55% of each Tangerine Socially Responsible Global Portfolio. The fixed administration fee is the same for all Tangerine Portfolios and is 0.15% of each Portfolio’s value.

Diversification does not guarantee a profit or eliminate the risk of loss.

The information provided is not intended to be investment advice. Investors should consult their own professional advisor for specific investment and/or tax advice tailored to their needs when planning to implement an investment strategy to ensure that individual circumstances are considered properly and action is taken based on the latest available information.

Tangerine is a registered trademark of The Bank of Nova Scotia, used under licence. Tangerine Investment Funds are managed by 1832 Asset Management L.P. Tangerine Investment Funds Limited is the principal distributor of Tangerine Investment Funds. Tangerine Investments Funds Limited and 1832 Asset Management L.P. are wholly owned subsidiaries of The Bank of Nova Scotia.

Regulated by Canadian Investment Regulatory Organization

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RIF Investment Fund Account

Simple & Convenient

Retirement income

Tax-deferred growth

RIF withdrawals and taxes