Self-Directed Retirement Income Fund (RIF)*

You may have retired, but your investments haven't

Account Highlights

A self-directed RIF can be a convenient and flexible way to continue building your portfolio even after you turn 71.

  • Gains can continue to grow tax-deferred in your RIF
    When you convert your individual RSP to a RIF, you can still buy, sell, and hold securities according to your strategy.
  • Manage your redemptions to match your needs
    Any withdrawals are taxable income in the year you make the redemption.
  • 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.
  • Other Retirement Income Options
    TD Direct Investing also offers a Prescribed Retirement Income Fund (PRIF)*

Keep your investments working for you

  • Stocks
    Trade on North American markets, including TSX, NASDAQ, and NYSE.
  • Mutual Funds
    Invest in North American mutual funds, including D-Series and TD e-Series Funds®
  • ETFs
    Equity, bond or commodity exchange-traded funds.
  • Options
    Basic options trading including covered calls, long calls and puts
  • Fixed Income
    Selected investments include bonds, GICs and other fixed-income products.


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