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Government Regulations & Tax Considerations

Holders of RIFs must withdraw a minimum annual amount of retirement income from their RIFs. This amount is based on your age or your spouse's or common-law partner's age (as of January 1 of the current calendar year) and the value of the RIF at the previous year's end. If your spouse or common-law partner is younger, using their age will result in a lower minimum withdrawal, allowing more of your plan property to grow in a tax-deferred environment.


Note: Consult your tax advisor for further information on the above tips or other tax minimization strategies.


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RIF Options

Explore your TD Retirement Income Options today.

RIF Minimum Payment Schedule

Get to know the RIF Annual Minimum Payment Schedule.

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1 RIF refers to Retirement Income Fund (RIF), Life Income Fund (LIF), Locked-in Retirement Income Fund (LRIF), Prescribed RIF (PRIF), and Restricted Life Income Fund (RLIF).

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