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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.  

Are you already a Client?

Log in if you already bank with us, or take just a few minutes to sign up and become a client.

Simple & Convenient

Get a low-cost 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 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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