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.
- Property from an unmatured RRSP
- RPP and DPSP lump-sum payments
- Matured RRSP including commutation payments
- Amounts paid from an RRSP or RRIF upon the death of an annuitant
- Property from another RRIF
- Excess amounts from a RRIF
- Specified pension plan (SPP) payments
Forms and publications
- Guide T4040, RRSPs and Other Registered Plans for Retirement
- Information Sheet, RC4177, Death of an RRSP Annuitant or a PRPP Member
- Form T2019, Death of an RRSP Annuitant - Refund of Premiums or Joint Designation on the Death of a PRPP Member
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