Retirement Savings Income Fund (RRIF)

Navigate retirement with ease


Access retirement earnings while maintaining growth

Welcome to a new chapter of your financial journey, where your retirement income is as diverse as your dreams. Luminus Financial's Registered Retirement Income Fund (RRIF) investments offer you a spectrum of choices to maximize your returns while providing the flexibility you deserve in your retirement years.

Why choose an RRIF with Luminus Financial?

Freedom to withdraw what you need
Continue growing your retirement funds and defer your taxes while withdrawing only what you need.
Maintain control of your portfolio
Manage your investments across stocks, bonds, mutual funds, and more to match your risk tolerance and goals.
Estate planning built in
RRIFs offer advantages in estate planning by allowing you to name beneficiaries, bypassing the probate process.

Key features of an RRIF

Diverse investment options
RRIF investments allow you to choose from a variety of options, including stocks, bonds, mutual funds, and more. Craft a portfolio that aligns with your risk tolerance and financial goals.
Tax-efficient withdrawals
With RRIFs, you have the flexibility to determine how much to withdraw each year. This flexibility lets you manage your income strategically, potentially reducing your tax burden.
Income sustainability
Ensure a steady stream of income throughout your retirement years. Our RRIF investments are designed to balance growth potential with the need for consistent and reliable income.
Review and adjust
Your retirement needs may evolve, and our Member Relations staff are here to help. Regularly review and adjust your RRIF investments to align with your changing circumstances and financial objectives.

Want to earn even MOR?

With the More Rewards Program (MOR), you could earn up to 0.25% EXTRA on your investments. Learn more and join the MOR program today!

Frequently asked questions


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