RRIF賬戶s
A Registered Retirement Income Fund (RRIF賬戶) is a great way to manage your retirement savings after you retire. It's like an 註冊退休儲蓄計劃（RRSP） in reverse – but instead of making contributions, you’re making withdrawals as you need them.
Earnings in your RRIF賬戶 are tax-sheltered- Withdraw as much as you need from your RRIF賬戶 each year
- Easily consolidate all 註冊退休儲蓄計劃（RRSP）s into one RRIF賬戶 in retirement
限时优惠：
獲得高達$3,500† when you transfer registered investments to a BMO RRIF賬戶
為什麼要投資註冊退休收入基金（RRIF）？
收益可避稅
您的收益全都可以避稅 - 因此它們可以繼續增長，類似於在註冊退休儲蓄計劃（RRSP）中的情況。
靈活性
Withdraw as much as you need from your RRIF each year, above the yearly minimum
簡單性
當您準備轉成註冊退休收入基金（RRIF）時，您可以合併您所有的註冊退休儲蓄計劃（RRSP）賬戶，即使它們不在BMO 滿地可銀行內。
RRIFs by the numbers
71:
The age at which you must convert your RRSP to a RRIF (or other income option)
5.28%:
在您71歲生日的隔年開始的年度最低提款金額
0%:
您的年度最低提款金額的預扣稅
How to make the most of your RRIF
這裡有一些方法可以確保您充分享受到註冊退休收入基金（RRIF）提供的好處。
提款時要有策略
如果您儘量少提款，您將可少付稅。不過，請記住年度最低提款金額的要求。
了解您的最低提款金額
最低提款金額每年都有變化。60年的最低值是3.33%。但它每年都會增加，直到您年滿95歲 - 到時候最低值會增加到20%。
預期重大提款
如果您預期未來需要一大筆錢，應做好相應規劃，提前定期提取資金。雖然超額提款不會有任何罰款，但會有稅務影響。
充分利用我們儲蓄賬戶的優惠利率
On top of everything else a RRIF賬戶/註冊退休儲蓄計劃（RRSP） can do for you, here’s another great reason to start: Great rates and offers to help you make real financial progress right from the start. 今天即可輕鬆開始。
Investments you can hold in your RRIF account
擔保投資存款證保障您的最初投資，以便您在設定的投資期限到期時，可取回該筆投資資金。 Plus, you can count on a guaranteed rate of return, depending on the GIC you pick.
Pro tip: Market-linked GICs offer higher return potential than traditional Guaranteed Investment Certificates.
投資方式：
- With a BMO 專業人士
- Online with BMO 自管投資和理財通（adviceDirect）
債券屬於固定收入投資，這表示會定期向投資人支付既定利息，讓投資人在投資時可預知回報。
投資方式：
- With a BMO 專業人士
- Online with BMO 自管投資和理財通（adviceDirect）
We have a comprehensive selection of professionally managed mutual funds that can be a great fit in your account. 根據您的目標及您可接受的風險承受度設計投資組合。
投資方式：
- With a BMO 專業人士
- Online with BMO 自管投資和理財通（adviceDirect）
交易所買賣基金像股票一樣，可在金融市場進行交易。交易所買賣基金s up of several assets, similar to a mutual fund– making them a diverse investment option.
投資方式：
- With a BMO 專業人士
- Online with BMO Self-Directed, adviceDirect and SmartFolio
股票，也稱為股權，是一家公司所有權的股份。這些投資讓您的資金隨著公司增長而增長 - 無論是透過股價上漲，或是像股息的這類股份收益。
投資方式：
- Online with BMO 自管投資和理財通（adviceDirect）
Enjoy a tax-efficient, guaranteed monthly cash flow to help you weather volatile markets and life’s uncertainties during your golden years.
投資方式：
- With a BMO 專業人士
- Online with BMO 自管投資和理財通（adviceDirect）
工具及資源
計算您的註冊退休收入基金（RRIF）付款在您退休時可能是什麼情況。
註冊退休收入基金（RRIF）稅務須知。
Learn more about RRIFs and investing with BMO
SmartFolio：為您提供的睿智解決方案 RRIF賬戶
See how a RRIF賬戶 account works with SmartFolio.
What is a RRIF賬戶?
You've worked hard to put money into your RRSP. Find out how to keep your retirement funds working for you with a RRIF.
Invest like a 專家
Find out how to make your savings work harder though you by investing.
RRIF FAQs
註冊退休收入基金（RRIF）是在您退休後從您的投資中獲得收入的一個好方法。它有點像反向的註冊退休儲蓄計劃（RRSP）。它的運作方式：您在退休前向註冊退休儲蓄計劃（RRSP）供款，資金在那裡避稅增長。然後當您退休時，您將註冊退休儲蓄計劃（RRSP）轉成註冊退休收入基金（RRIF）。您不能向註冊退休收入基金（RRIF）供款，但您可以從中提取收入，同時您的投資可以繼續避稅增長。
The simple answer is that a RRIF賬戶 let's your investments grow tax-sheltered, even while you draw a retirement income from the account. You convert your 註冊退休儲蓄計劃（RRSP） into an RRIF賬戶 when you retire, and you must convert before the end of the year you in which you turn 71. You can manage your RIFF investments just like you did with your 註冊退休儲蓄計劃（RRSP）. Pay yourself as much as you want from your RRIF賬戶, on any schedule — monthly, semi-annually, or annually — or even as occasional lump sums. 但您每年必須提取最低金額。預扣稅不適用於最低金額。 這裡有個最低金額和預扣稅稅率的表格。
最低金額隨著您的年齡而變。 If you're 65 on January 1 of this year, your minimum rate is 4% of your RRIF賬戶’s total value. If you’re 71, it’s 5.28%. 如果您的配偶較年輕，您可以使用對方的年齡。 這裡有個最低金額和預扣稅稅率的表格。
是， RRIF賬戶 withdrawals are taxable income, and amounts above the annual minimum are subject to withholding tax. 查看最低金額和預扣稅稅率表。
您可以在RRIF中持有像在註冊退休儲蓄計劃（RRSP）中的相同投資組合 - 現金、擔保投資存款證（GIC）、互惠基金、公開交易股票、企業和政府債券等任何適合您的投資項目。
當然可以，您可以按自己意思擁有多個RRIF。但請記住，每個賬戶都適用最低提款規則。大多數人都喜歡只有一個而不要多個，因為擁有多個並沒有什麼真正的優勢。
- 註腳劍號詳情Terms and conditions apply
- This material is for informational purposes only. This material is not intended to be relied upon as research, investment, or tax advice and is not an implied or express recommendation, offer or solicitation to buy or sell any security or to adopt any particular investment or portfolio strategy. Any views and opinions expressed do not take into account the particular investment objectives, needs, restrictions and circumstances of a specific investor and, thus, should not be used as the basis of any specific investment recommendation. Investors should consult a financial advisor and/or tax information applicable to their specific situation.
- All investments, including these, are subject to risk, including the possible loss of principal.
- Investment professional refers to Personal Bankers, Financial Planners, Investment and Retirement Planning and Investment Specialists that are representatives of BMO Investments Inc.
- TM 滿地可銀行的商標。