Transferring to your RRIF

Usually, you can only contribute to a RRIF by directly transferring certain types of payments 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 RRSPs. For more information, see Self-directed RRSPs. You cannot transfer any part of your retirement allowance to a RRIF.

You can have property transferred to your RRIF directly from: your 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 of former spouse or common-law partner is the annuitant. For more information concerning this type of transfer, see Property from an unmatured RRSP.

Forms and publications

• Guide T4040, RRSPs and Other Registered Plans for Retirement
• Information sheet, RC4177, Death of an RRSP Annuitant
• Form T2019, Death of an RRSP Annuitant - Refund of Premiums for 20__