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Registered Retirement Income Funds (RRIF)

Investments compound tax-free as long as they remain in the plan
Holdings can be chosen from a wide range of options
The ability to leave remaining RRIF assets to heirs
Can split RRIF income with their spouse if spouse is at least 65 years of age

A RRIF is a tax-deferred retirement plan under Canadian tax law. Individuals use an RRIF to generate income from the savings accumulated under their Registered Retirement Savings Plan (RRSP). As with an RRSP, an RRIF account is registered with the Canada Revenue Agency.