Transferring to your RRIF

Usually, you can only contribute to a RRIF by directly transferring certain amounts you receive or are considered to have received.

You can have more than one RRIF and you can have self-directed RRIFs. The rules that apply to self-directed RRIFs are generally the same as those for self-directed RRSPs. For more information, see Self-directed RRSPs. You cannot transfer any part of your retirement allowance to a RRIF.

You can contribute to your RRIF by having property transferred directly from:

  • your PRPP or unmatured RRSP;
  • your matured RRSP, including a direct transfer of a commutation payment from your RRSP annuity; or
  • an unmatured RRSP under which your current or former spouse, or common-law partner is the annuitant. For more information concerning this type of transfer, see Property from an unmatured RRSP.

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