Transferring

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 see "Self-directed RRSPs"

Note
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;
• 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".

In addition, you can contribute to your RRIF any amounts you receive or are considered to have received from a deceased annuitant's RRSP. See "Amounts paid upon the death of an RRSP or RRIF annuitant".

Forms and publications

• T4040, RRSPs and Other Registered Plans for Retirement
• RC4177, Death of an RRSP Annuitant
• T2019, Death of an RRSP Annuitant