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You can hold many types of investments within a RRIF depending on the type of RRIF, including GICs, mutual funds, stocks and bonds. It is important to note that once a RRIF is set up, you can’t make additional contributions to the plan and you must make annual minimum withdrawals.

It is possible to hold US equities within a RRIF, as per the Tax Treaty Between Canada and the U.S. dividends from U.S. corporations may be exempt from a withholding tax for investments held within a registered retirement account.

Learn how RRIFs work and speak with a registered financial representative or tax professional for tailored advice.