RRIFs Archives - MoneySense

Pensions

What’s better, a LIRA or an enhanced pension?

by Special to MoneySense

Retirement

How does a LIRA work after a pension transfer?

Ted is confused about his investment options after leaving a DC pension, and whether his pension money would be better off in a regular RRSP.

Retirement

Getting the most out of retirement income planning with an older spouse

Ellen is curious how pension income splitting works when there is a big age difference between spouses. There are several considerations.

Retirement

Are annuities, bonds or GICs best for an 80-year-old’s money?

by Special to MoneySense

Retirement

The downside of naming children as RRIF beneficiaries

Kerry is doing some estate planning with his RRIF and wants to make sure it goes to his wife and kids in the best possible manner.

RRIFs

Should Marcel move all his RRIF investments to a low-risk balanced fund?

He wants to lock in equity gains and reduce volatility

Retirement

RRIFs and income splitting in the year of death

Gloria’s husband died recently. She’s looking for clarification on what happens with his RRIF and if and how she can split income with him in his year of death.

Retirement

What I learned by putting Viviplan to the test

by Jonathan Chevreau

Retirement

calculator

Bleeding your RRSP dry to save on tax when you’re dead

Chris is retiring and living on CPP, OAS and her RRSP. She wonders if she should take more than the minimum withdrawal from her RRSP to save tax on her death.

Retirement

How to decide when to convert RRSPs to RIFFs

Bart has three RRSP accounts and wants to know how his RRIF withdrawals are calculated