Turning 71 and wondering what happens to your RRSP? A RRIF is your RRSP switched into withdrawal mode. In this post, I explain the conversion deadline, minimum withdrawals, the tax surprises, and how to protect your RRIF for your spouse.
My in-laws asked if they could move some of their RRSP into ours before they turn 71. In this post I go through every way RRSP money can move, the CRA forms for each, and the withdraw-gift-contribute workaround that can save your family money or cost it thousands.
This free Canadian calculator tests your RRSP, TFSA, CPP, OAS and GIS against taxes, inflation and a market drop to find your safe spending. It also works for other countries by disabling its Canadianness.
Am I ready to retire? I made a free Canadian calculator that tests your RRSP, TFSA, CPP, OAS and GIS against taxes, inflation and a market drop to find your safe spending. And there is a detailed blog post explaining the math that goes into it.
September 2026 monthly dividend and portfolio update.