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?

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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?

Want to speak to an Investment Funds 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.