Do you know where your retirement income will come from?

Just because you’ve stopped working doesn’t mean your money has to. Find out how

you can invest your savings to provide a steady stream of income so you can enjoy your retirement years to the fullest!


RRIF - Registered Retirement Income Fund is a way for you to use your RRSP savings to generate retirement income while keeping the balance of your registered savings invested in a tax-deferred plan.

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LIF - Life Income Fund or locked-in retirement income fund is like a RRIF, but is for money that originally came from a pension plan. The funds are held in either a locked-in retirement account (LIRA) or a locked-in RRSP and then converted to a LIF.

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LIRA - Locked-In Retirement Account - LIRAs hold pension money. and is designed for accumulation of pension money outside a pension plan. If you do not need income from your pension funds, then a LIRA allows you to manage your pension funds personally.

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