Types of RRIFs
Find the right Registered Retirement Income Fund (RRIF) investment for your situation. Whether you need ready access to your retirement income or prefer to earn higher RRIF rates, you’ll find an option to fit your needs. At Vancity, depositors are 100% protected by the Credit Union Deposit Insurance Corporation of British Columbia.
| RRIF Type | Overview | Key Features |
|---|---|---|
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RRIF Jumpstart® High Interest Savings |
Ideal for short-term deposits, this savings account lets you accumulate your savings and earn a competitive interest rate while you decide on longer-term investment options. |
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RRIF mutual funds, stocks, and bonds¹ |
Choose from a wide range of mutual funds, stocks, and bonds to diversify your RRIF portfolio and help you achieve your post-retirement goals. |
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RRIF short term deposit |
Invest your funds for less than a year, and still earn a guaranteed rate of interest. |
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RRIF long term deposits |
Earn a competitive, guaranteed interest rate in exchange for locking your investment in for the full term. |
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RRIF index-linked term deposits |
Enjoy the potential for higher returns based on stock market performance while protecting your investment principal. |
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RRIF convertible term deposit |
Park your RRIF contribution in this 1-year term deposit, earn higher interest than a savings account, and decide how to invest it later. |
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RRIF escalating term deposit |
This investment offers an interest rate that escalates a, giving you the opportunity to earn more while keeping your investment safe. |
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¹Split interest allows you to earn a premium interest rate on any portion of your investment above a certain threshold.
¹ Please read the Credential disclosure and mutual funds disclaimer.
¹ Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual fund securities and cash balances are not insured nor guaranteed, their values change frequently and past performance may not be repeated. Credential Securities is a registered mark owned by Aviso Wealth Inc.
²Please read the Credential disclosure and mutual funds disclaimer.
² Return is subject to a maximum cap. Ask us for more details.
³ By the Credit Union Deposit Insurance Corporation of British Columbia
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