Registered Retirement Income Fund (RRIF)

Looking for a great way to turn your retirement dream into reality? You can do so with a Moya Financial RRIF. Your principal is protected, while your investment remains tax sheltered. A taxable minimum withdrawal is required after age 71, which is based on a percentage of the value of your RRIF on December 31 of the previous year. Payment amounts and frequency can be changed as your needs evolve.



  • Fixed and variable rate plans available
  • Grow your savings tax-deferred (minimum yearly withdrawals required)
  • Pay tax only on withdrawals made
  • Payment deposited to any account
  • No fees for deposits, payouts or administrative costs
  • Income provided monthly, quarterly, semi-annually or annually
  • Insurable deposits covered by the Deposit Insurance Corporation of Ontario (DICO)

If you would like more information or are ready to invest, please call or visit our Main Branch and speak with one of our Financial Services Representatives.