Self-Directed Retirement Income Fund (RIF)

You may have retired, but your investments haven't


Account Highlights

A self-directed RIF in Canada can be a convenient and flexible way to continue building your portfolio in the Canadian and US markets even after you turn 71.

  1. Gains can continue to grow tax-deferred in your RIF
    When you convert your individual RSP to a RIF in Canada, you can still buy, sell, and hold securities according to your strategy.

  2. Manage your redemptions to match your needs
    Any withdrawals are taxable income in the year you make the redemption.

  3. Set up a Withdrawal Plan
    If you hold mutual funds, set up a Systematic Withdrawal Plan (SWP) for a regular monthly income stream and meet minimum RIF withdrawal requirements.

  4. Other Retirement Income Options
    TD Direct Investing also offers a Prescribed Retirement Income Fund (PRIF)*

Keep your investments working for you

  1. Stocks
    Trade on Canadian and US markets, including TSX, NASDAQ, and NYSE.

  2. Mutual Funds
    Invest in Canadian and US mutual funds, including D-Series and TD e-Series Funds®

  3. ETFs
    Equity, bond or commodity exchange-traded funds.

  1. Options
    Basic options trading including covered calls, long calls and puts

  2. Fixed Income
    Selected investments include bonds and other fixed-income products.

  3. GICs
    Secure investments that promise a defined amount at the end of their term.


Open an account online – it's fast and easy

Whether you're new to self-directed investing or an experienced trader, we welcome you.

  • Apply online

    It's easy to open a cash, margin, RSP, or TFSA account.

  • Call us

    We're here for you. Monday to Friday, 7 am to 8 pm ET

    1-800-465-5463 1-800-465-5463
  • Book an appointment

    Let's chat, face-to-face at a TD location convenient to you.


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