Account Types
Accounts overview Chequing Savings Youth and Student U.S. Dollar Explore all offersBanking For
Newcomers Youth & Parents Students International Students Post GradsServices
Overdraft Protection TD Global Transfer TD Access Card TD Mobile Deposit Fraud PreventionTD New to Chequing Offer
Get up to $750 in value starting with an eligible TD Chequing Account. Conditions apply.
TD New to Canada Banking Package
Earn up to $1,790 in value when you bank with TD as a Newcomer. Conditions apply.
Credit Cards Go Back Credit Cards CloseCard Types
Explore all credit cards Explore promotions and offers TD Travel Rewards Cash Back Aeroplan No Annual Fee Low Rate U.S. Dollar BusinessCredit Cards For
Students Post grads New to CanadaExisting Cardholder Services
Get the most out of my credit card Getting started with your TD Credit Card TD Rewards Program Mobile wallet Check your credit scoreLearning Resources
Basics of Credit Cards Introduction to Credit Card Points Basics of Business Credit Cards Building your credit Learn moreFeatured offer
TD® Aeroplan® Visa Infinite* Card
Up to $1,350 in value including up to 40,000 Aeroplan points could be yours and receive an Annual Fee rebate for the first year. Conditions Apply.
Featured offer
TD First Class Travel® Visa Infinite* Card
Earn up to $1,300 in value, including up to 146,000 TD Rewards Points and receive an Annual Fee rebate for the first year. Conditions Apply.
Mortgages Go Back Mortgages CloseMortgages
Explore all mortgage options Today's mortgage rates TD Home Equity FlexLine (HELOC) Flexible mortgage payment features Mortgage offers TD Mortgage ProtectionWhat’s Next For You?
Buy my first home Buy my next property Renew my mortgage Refinance my mortgage Move my mortgage to TD Newcomer to CanadaTools and Resources
Explore all mortgage tools and calculators Mortgage Payment Calculator Mortgage Affordability Calculator Mortgage Pre-approval Connect with a specialistTD Mortgage Direct
Answer a few questions and we'll call you to match you with a TD Mortgage Specialist.
With a new TD mortgage, get up to $5,100 cashback.
Offer expires August 31, 2026. Conditions apply.
Loans/Lines of Credit Go Back Loans/Lines of Credit CloseLoans and Lines of Credit
Explore Personal Loan RSP Loan Vehicle Loan Personal Line of Credit Home Equity Line of CreditStudent Borrowing
Explore Student Line of Credit Professional Student Line of Credit Healthcare Student Line of CreditTools and Resources
Help me choose Check your credit score Loan vs Line of Credit Calculator Help me manage debtBorrowing Advice
Get helpful insights and tips on how to borrow wisely, manage your payments and make informed financial decisions.
Student Advice
Get expert advice on things like building a student budget and other important financial topics.
Know more about student borrowing
Credit Application Guide
This step-by-step guide will help you understand the credit application process.
Personal Investing Go Back Personal Investing CloseRegistered Accounts & Plans
Personal Investing Overview Explore promotions and offers Tax Free Savings Account (TFSA) Registered Retirement Savings Plan (RRSP) First Home Savings Account (FHSA) Registered Education Savings Plan (RESP) Registered Retirement Income Fund (RRIF) Registered Disability Savings Plan (RDSP)Investing Products
Explore all products GICs Mutual Funds Precious Metals Other ways to invest Trade and invest yourself with TD Direct Investing Invest with a TD Wealth AdvisorTools and Resources
Compound Interest Calculator TFSA Calculator RRSP Calculator GIC Selector Tool RESP Calculator Net Worth Calculator TD Goal Builder Personal Cash Flow CalculatorInvestor Education
Find an investing article that will help you invest with confidence and make financial decisions.
Insurance Go Back Insurance CloseCredit Protection Plans
Explore all protection plans TD Mortgage Protection TD Line of Credit Protection TD Loan Protection TD Credit Card Payment Protection Plan Business Credit ProtectionTravel Insurance Plans
Explore all travel insurance Single Trip Plan Annual Trip Plan Trip Cancellation & Trip Interruption Insurance Top-up or ExtensionTools and Resources
TD Protection Plans Assessment Tool Credit Card Travel Insurance Verification ToolFile a TD Protection Plans claim
We’re ready to guide you every step of the way.
Learn more about filing a claim
Travel Insurance Claims Centre
We’re here to help get you through your travel insurance claims. Visit our online claims portal to start or to check the status of a submitted claim.
Advice Go Back Advice CloseFinancial Tips and Insights
Advice Hub Student & Youth Learning Centre Newcomer Learning Centre Seniors banking Estate planning and support Fraud preventionResources
Registrations and passwords TD app tutorials EasyWeb tutorials Bill payment and transfers TD MySpend How to switch to TD TD Calculators and ToolsWays to Bank
TD app EasyWeb Ways to pay Ways to send money Phone, Branch and ATM Cross-border banking Foreign exchange servicesNeed help finding the right TD products?
Just answer a few questions and we can better help direct you to achieving your goals.
Understanding interest rates
Read on to know more about interest rates and how they can affect your investments.
OpenLogin
My Accounts Logout TD: Personal Personal Selected Small Business Commercial Investing TD Asset Management About TD Accounts Go Back Accounts CloseAccount Types
Accounts overview Chequing Savings Youth and Student U.S. Dollar Explore all offersBanking For
Newcomers Youth & Parents Students International Students Post GradsServices
Overdraft Protection TD Global Transfer TD Access Card TD Mobile Deposit Fraud PreventionTD New to Chequing Offer
Get up to $750 in value starting with an eligible TD Chequing Account. Conditions apply.
TD New to Canada Banking Package
Earn up to $1,790 in value when you bank with TD as a Newcomer. Conditions apply.
Credit Cards Go Back Credit Cards CloseCard Types
Explore all credit cards Explore promotions and offers TD Travel Rewards Cash Back Aeroplan No Annual Fee Low Rate U.S. Dollar BusinessCredit Cards For
Students Post grads New to CanadaExisting Cardholder Services
Get the most out of my credit card Getting started with your TD Credit Card TD Rewards Program Mobile wallet Check your credit scoreLearning Resources
Basics of Credit Cards Introduction to Credit Card Points Basics of Business Credit Cards Building your credit Learn moreFeatured offer
TD® Aeroplan® Visa Infinite* Card
Up to $1,350 in value including up to 40,000 Aeroplan points could be yours and receive an Annual Fee rebate for the first year. Conditions Apply.
Featured offer
TD First Class Travel® Visa Infinite* Card
Earn up to $1,300 in value, including up to 146,000 TD Rewards Points and receive an Annual Fee rebate for the first year. Conditions Apply.
Mortgages Go Back Mortgages CloseMortgages
Explore all mortgage options Today's mortgage rates TD Home Equity FlexLine (HELOC) Flexible mortgage payment features Mortgage offers TD Mortgage ProtectionWhat’s Next For You?
Buy my first home Buy my next property Renew my mortgage Refinance my mortgage Move my mortgage to TD Newcomer to CanadaTools and Resources
Explore all mortgage tools and calculators Mortgage Payment Calculator Mortgage Affordability Calculator Mortgage Pre-approval Connect with a specialistTD Mortgage Direct
Answer a few questions and we'll call you to match you with a TD Mortgage Specialist.
With a new TD mortgage, get up to $5,100 cashback.
Offer expires August 31, 2026. Conditions apply.
Loans/Lines of Credit Go Back Loans/Lines of Credit CloseLoans and Lines of Credit
Explore Personal Loan RSP Loan Vehicle Loan Personal Line of Credit Home Equity Line of CreditStudent Borrowing
Explore Student Line of Credit Professional Student Line of Credit Healthcare Student Line of CreditTools and Resources
Help me choose Check your credit score Loan vs Line of Credit Calculator Help me manage debtBorrowing Advice
Get helpful insights and tips on how to borrow wisely, manage your payments and make informed financial decisions.
Student Advice
Get expert advice on things like building a student budget and other important financial topics.
Know more about student borrowing
Credit Application Guide
This step-by-step guide will help you understand the credit application process.
Personal Investing Go Back Personal Investing CloseRegistered Accounts & Plans
Personal Investing Overview Explore promotions and offers Tax Free Savings Account (TFSA) Registered Retirement Savings Plan (RRSP) First Home Savings Account (FHSA) Registered Education Savings Plan (RESP) Registered Retirement Income Fund (RRIF) Registered Disability Savings Plan (RDSP)Investing Products
Explore all products GICs Mutual Funds Precious Metals Other ways to invest Trade and invest yourself with TD Direct Investing Invest with a TD Wealth AdvisorTools and Resources
Compound Interest Calculator TFSA Calculator RRSP Calculator GIC Selector Tool RESP Calculator Net Worth Calculator TD Goal Builder Personal Cash Flow CalculatorInvestor Education
Find an investing article that will help you invest with confidence and make financial decisions.
Insurance Go Back Insurance CloseCredit Protection Plans
Explore all protection plans TD Mortgage Protection TD Line of Credit Protection TD Loan Protection TD Credit Card Payment Protection Plan Business Credit ProtectionTravel Insurance Plans
Explore all travel insurance Single Trip Plan Annual Trip Plan Trip Cancellation & Trip Interruption Insurance Top-up or ExtensionTools and Resources
TD Protection Plans Assessment Tool Credit Card Travel Insurance Verification ToolFile a TD Protection Plans claim
We’re ready to guide you every step of the way.
Learn more about filing a claim
Travel Insurance Claims Centre
We’re here to help get you through your travel insurance claims. Visit our online claims portal to start or to check the status of a submitted claim.
Advice Go Back Advice CloseFinancial Tips and Insights
Advice Hub Student & Youth Learning Centre Newcomer Learning Centre Seniors banking Estate planning and support Fraud preventionResources
Registrations and passwords TD app tutorials EasyWeb tutorials Bill payment and transfers TD MySpend How to switch to TD TD Calculators and ToolsWays to Bank
TD app EasyWeb Ways to pay Ways to send money Phone, Branch and ATM Cross-border banking Foreign exchange servicesNeed help finding the right TD products?
Just answer a few questions and we can better help direct you to achieving your goals.
Understanding interest rates
Read on to know more about interest rates and how they can affect your investments.
Find Us Help Country: Canada Canada Selected country United States Language: English English Select language Français 简体中文 繁體中文Login
EasyWeb WebBroker U.S. Banking My Accounts My Accounts Logout Online Services EasyWeb WebBroker U.S. Banking Manage your savings and defer taxes in a RRIF\r\n"}}" id="text-be4dada45e" class="cmp-text"> Manage your savings and defer taxes in a RRIF Speak to a TD Personal Banker to learn about your retirement income options\r\n"}}" id="text-2b5b619c76" class="cmp-text">Speak to a TD Personal Banker to learn about your retirement income options
Book an appointment Registered Retirement Income Fund (RRIF)\r\n
\r\nA RRIF uses the savings from your Registered Retirement Savings Plan (RRSP) to provide you with retirement income. It also offers you the flexibility to make RRIF withdrawals on a schedule based on your retirement goals while enjoying the benefits of tax-deferred growth.
RRSPs must be converted to a form of retirement income by December 31 of the year you turn 71.
\r\n"}}" id="text-df754e5bf3" class="cmp-text"> Registered Retirement Income Fund (RRIF)
A RRIF uses the savings from your Registered Retirement Savings Plan (RRSP) to provide you with retirement income. It also offers you the flexibility to make RRIF withdrawals on a schedule based on your retirement goals while enjoying the benefits of tax-deferred growth.
RRSPs must be converted to a form of retirement income by December 31 of the year you turn 71.
Benefits of RRIFs Grow your savings tax-deferredYour RRIF can continue to grow tax-deferred, similar to an RRSP.
Personalized to your needsRRIF’s can allow for flexibility and customization, helping ensure your retirement can be a comfortable one.
Comfort and ConvenienceWe can help you consolidate all your RRSPs into one RRIF.
How RRIFs work \r\nA RRIF is a tax-advantaged savings vehicle in which you may hold eligible investment products.\r\nYou withdraw from your RRIF to support your retirement. You can manage your RRIF in the same way you managed your RRSP, while paying yourself to support your retirement.\r\nInvestments within a RRIF can grow on a tax-deferred basis.\r\nIf you have a Locked-In Retirement Account (LIRA), Locked-In RRSP (LRRSP ) or Restricted Locked-in Savings Plan (RLSP), you may be able to convert to one of the following plans: Life Income Fund (LIF), Locked-In Retirement Income Fund (LRIF), Prescribed Retirement Income Fund (PRIF), or Restricted Life Income Fund (RLIF).\r\n\r\n"}}" id="text-7ccfcc429e" class="cmp-text"> A RRIF is a tax-advantaged savings vehicle in which you may hold eligible investment products. You withdraw from your RRIF to support your retirement. You can manage your RRIF in the same way you managed your RRSP, while paying yourself to support your retirement. Investments within a RRIF can grow on a tax-deferred basis. If you have a Locked-In Retirement Account (LIRA), Locked-In RRSP (LRRSP ) or Restricted Locked-in Savings Plan (RLSP), you may be able to convert to one of the following plans: Life Income Fund (LIF), Locked-In Retirement Income Fund (LRIF), Prescribed Retirement Income Fund (PRIF), or Restricted Life Income Fund (RLIF). Learn about the RRIF Minimum Payment Schedule.\r\n"}}" id="text-ee6cd495af" class="cmp-text">Learn about the RRIF Minimum Payment Schedule.
Investments in RRIF Accounts TD offers several different investment products for your RRIF account. Find the best TD product for you.\r\n"}}" id="text-af8e7ab811" class="cmp-text">TD offers several different investment products for your RRIF account. Find the best TD product for you.
TD Canada Trust Flexi-RIF Access to a variety of GICs with different terms and features GICs fully protect your principal Earn a guaranteed rate of interest on GICsGreat for: Investors who don't want to risk their principal.
TD Canada Trust Flexi-RIF Book an appointment Book an appointment TD Mutual Funds Retirement Income Fund Gives you access to certain mutual funds offered through TD Investment Services Inc. Benefit from professionally managed mutual fund investmentsGreat for: Investors comfortable with some risk.
TD Mutual Funds Retirement Income Options Book an appointment Book an appointment RIF at TD Direct Investing Self-directed accounts Power to select your investments and take advantage of market opportunities in Canada and the US. Flexibility to hold a range of investment products in one accountGreat for: Investors looking to manage their investment strategy and portfolio.
RIF at TD Direct Investing Apply online Apply online We can help you plan for the future Personalized investment adviceTD Personal Bankers will work with you to understand your financial goals and help you map a path towards achieving them.
The right optionsNo matter what type of investor you may be, we’re ready with options to help you succeed.
ConvenienceThe advice you want. Call us Monday to Friday from 8 am – 8 pm EST to speak to an investment specialist in English, French, Mandarin or Cantonese.
Retirement Savings CalculatorUse our helpful Retirement Savings Calculator to find out how much you will need to save to meet your retirement goals and whether you are on track.
Retirement Savings Calculator Calculate now Frequently Asked Questions When do I have to convert an RRSP to a RRIF? You must convert a RRSP to a retirement income option such as a RRIF by December 31 of the year that you turn 71. If you decide that you don't want to transfer your money from an RRSP to a RRIF, you could withdraw your RRSP as a lump sum amount that will be considered taxable income.\r\n"}}" id="text-7e11950d20" class="cmp-text">You must convert a RRSP to a retirement income option such as a RRIF by December 31 of the year that you turn 71. If you decide that you don't want to transfer your money from an RRSP to a RRIF, you could withdraw your RRSP as a lump sum amount that will be considered taxable income.
What are the RRIF withdrawal rules? After opening a RRIF you are required to withdraw the annual minimum payment (AMP) each year. There is no maximum withdrawal limit. You could review the RRIF minimum payment schedule to determine your AMP percentage based on your age. The money in your RRIF is considered taxable income in the year that you withdraw it.\r\n"}}" id="text-1a7fe8cc43" class="cmp-text">After opening a RRIF you are required to withdraw the annual minimum payment (AMP) each year. There is no maximum withdrawal limit. You could review the RRIF minimum payment schedule to determine your AMP percentage based on your age. The money in your RRIF is considered taxable income in the year that you withdraw it.
Can I have more than one RRIF? You could hold multiple RRIFs separately. However, you still need to withdraw the annual minimum payment (AMP) from each RRIF.\r\n"}}" id="text-e4a99ed5e6" class="cmp-text">You could hold multiple RRIFs separately. However, you still need to withdraw the annual minimum payment (AMP) from each RRIF.
What is the difference between an RRSP and a RRIF? The key differences between the two accounts are that RRSPs focus on contributing money into your account regularly whereas RRIFs only allow you to withdraw money from the account and you cannot make contributions. A Registered Retirement Savings Plan (RRSP) allows you to save money for retirement and defers your taxes. A RRIF provides income during retirement through regular withdrawals of the savings from your RRSPs. Payments from a RRIF are considered taxable income so any withdrawals will be taxed.\r\n"}}" id="text-cea735e062" class="cmp-text">The key differences between the two accounts are that RRSPs focus on contributing money into your account regularly whereas RRIFs only allow you to withdraw money from the account and you cannot make contributions. A Registered Retirement Savings Plan (RRSP) allows you to save money for retirement and defers your taxes. A RRIF provides income during retirement through regular withdrawals of the savings from your RRSPs. Payments from a RRIF are considered taxable income so any withdrawals will be taxed.
Articles and tips to help you get started What are retirement income options?Learn how the money you saved during your working years can provide a steady, dependable source of retirement income.
How to save for retirementLearn how to start planning for your retirement including how much you’ll need to save to reach your retirement goals.
Automating saving and investingLearn how our automated saving and investing tools can help make it easier to achieve your retirement goals.
See more articles Ready to Invest? We can help! Book an appointmentMeet with a TD Personal Banker virtually, or in person at a branch near you.
Book an appointment Book now Give us a callOur Investment Specialists are ready to answer your questions and help you get started.
1-800-386-3757 1-800-386-3757 Locate a branchUse our branch locator tool to find a branch near you.
Locate a branch Locate a branch Looking for advice? We can help\r\n"}}" id="text-5660fe56bf" class="cmp-text">Looking for advice? We can help
Book an appointment Have a question? Find answers here What's your question? Ask Us Popular questions Sorry, we didn't find any results. You could check for misspelled words or try a different term or question. We're sorry. Service is currently unavailable. We found a few responses for you: We matched that to: Popular questions View morepopular questions Helpful related questions View morehelpful related questions Did you find what you were looking for? YesNo Thank you We're sorry. Service is currently unavailable.Sorry this didn't help. Would you leave us a comment about your search?
Submit Thank you Back to top Find Us Help Back to topContact Us
Call us Book an appointment Give feedbackProducts
Bank Accounts Credit Cards Mortgages Loans and lines of credit Personal Investing InsuranceWays to Bank
TD app EasyWeb Ways to pay Ways to send money Phone, Branch and ATM Cross-border banking Foreign exchange servicesBanking Advice
TD Advice TD Calculators and Tools Digital banking tutorials Fraud prevention New to Canada StudentsAbout Us
Who we are Our impact News and economics For investors Customer care Careers Privacy and Security Legal Accessibility CDIC Member About Us Careers Manage Online Experience Site IndexToronto-Dominion Centre – Corporate Office
66 Wellington Street West, Toronto, ON M5K 1A2
Your deposits may be insurable by the Canada Deposit Insurance Corporation.
\r\n\r\nCanada Investment Regulatory Organization (CIRO)
\r\nCIRO regulation applies to TD Investment Services Inc. a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank.
\r\n\r\n"}}" id="text-959b1239e4" class="cmp-text">Canada Deposit Insurance Corporation
Your deposits may be insurable by the Canada Deposit Insurance Corporation.
Canada Investment Regulatory Organization (CIRO)
CIRO regulation applies to TD Investment Services Inc. a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank.
See you in a bit\r\n"}}" id="text-9b11cbd20f" class="cmp-text"> See you in a bit You are now leaving our website and entering a third-party website over which we have no control.\r\n"}}" id="text-333fa79c60" class="cmp-text">You are now leaving our website and entering a third-party website over which we have no control.
Continue to Site Back to TD Bank TD Bank Group is not responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.\r\nThird-party sites may have different Privacy and Security policies than TD Bank Group. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.
\r\n"}}" id="text-85a67fd483" class="cmp-text">TD Bank Group is not responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.
Third-party sites may have different Privacy and Security policies than TD Bank Group. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.
Site Index TD Personal Banking Personal Home My Accounts How To Today's Rates Accounts (Personal) Chequing Accounts Savings Accounts Student Account Credit Cards Aeroplan points Travel Rewards Cash Back No Annual Fee Low Rate U.S. Dollar Mortgages Loans and lines of credit Personal Investing GIC & Term Deposits Mutual Funds TFSA - Tax-Free Savings Account RSP - Retirement Savings Plan RIF - Retirement Income Options RESP - Education Savings Plan RDSP - Disability Savings Plan Precious Metals Insurance Travel Medical Insurance All Products Students New To Canada Banking Advice for Seniors (60+) Cross Border Banking Foreign Exchange Services Ways to Pay Ways to Bank Green Banking TD Advice TD Small Business Banking Small Business Home Accounts (Business) Chequing Account Savings Account U.S. Dollar Account AgriInvest Account Cheque Services Credit Overdraft Protection Line of Credit Business Credit Cards Loan Business Mortgage Canada Small Business Financial Loan Agriculture Credit Solutions TD Auto Finance Small Business Vehicle Lending Invest for your Business Advice for your Profession or Industry TD Merchant Solutions Foreign Currency Services Employer Services TD Investing Investing Home Direct Investing Accounts Commissions and Fees Trading Platforms Investment Types Investor Education TD Wealth Financial Planning Private Wealth Management Markets and Research TD Corporate About TD Investor Relations Economics Environment Diversity Supplier Information TD Newsroom Careers Other TD Businesses TD Commercial Banking TD Asset Management TD Securities TD Auto Finance U.S. Banking TD Bank Personal Banking TD Bank Small Business Banking TD Bank Commercial Banking TD Auto Finance TD Wealth Private Client Group TD Bank Personal Financial ServicesRegistered Retirement Income Fund (RRIF) | TD Canada Trust,AI智能索引,全网链接索引,智能导航,网页索引
- A Registered Retirement Income Fund (RRIF) provides you with income during your retirement by utilizing the savings from your RRSP.