RRIF-LIF

Enjoy retirement by taking action

Enjoying retirement is also the art of converting investments into income and pursuing retirement plans. Travelling, enjoying your favourite sports, or simply maintaining your lifestyle are just a few of the dreams made possible by planning your retirement with an RRIF or LIF.

The Registered Retirement Income Fund (RRIF) and the Life Income Fund (LIF)1 are the result of converting the capital accumulated in an RRSP, LIRA, LIRA or locked-in RRSP into retirement income. They are designed to provide you income that meets your needs.

Funds transferred to an RRIF or LIF continue to grow tax-sheltered until they are withdrawn. You can convert your RRSP to an RRIF at any time, or your LIRA or locked-in RRSP into LIFs, as there is no minimum age for subscription. However, the age limit for conversion is December 31 of the year in which you turn 71.

UNI has a wide range of investments tailored to your needs so that you can continue to grow your assets:

  • Conventional RRIF/LIF
  • Personalized annuity RRIF/LIF
  • Market-linked guaranteed investments RRIF/LIF
  • Mutual Funds2 RRIF/LIF

To find out how you can benefit from the RRIF and the LIF, please contact your advisor. You advisor will guide you in managing your retirement income.

Planning to retire or already retired? Your UNI advisor will be happy to answer your questions.


1. RRIFs, LIFs and TFSAs are savings accounts registered under an Application Form issued and administered by Desjardins Trust Inc., Credential Asset Management Inc. or Credential Securities.

2. Mutual funds are offered through Credential Asset Management Inc. Mutual funds, other securities and securities related financial planning services are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered trademark owned by Aviso Wealth Inc.

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