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Click above to find out how Fiscal Agents can assist you in RRIF Investing.
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Use this link to connect you directly to additional useful information related to RRIFs.

IP-Profiler - Retirement
RRIF - Deferred

Today's investor has no shortage of investment options to choose from. At Fiscal Agents we believe that an informed investor is our strongest asset and as such, our financial advisors have an open-door approach to the financial services marketplace. We can help guide you through many types of investments decisions.

We believed so strongly in our mission to make money management easy for our clients that we went and had it registered as our Trade Mark - Money Management Made EasyŽ.

We want you to profit from our research. This section provides a base reference source of investment products in a simple format. The information outlined below is provided to give an overall illustration of parameters that may be in effect for this investment product.

Investment Product 
P r o f i l e r: 
Deferred RRIF
Questions to Ask: Answers you may find:
Type of Product: Set up as a guaranteed investment contract with a deferred RRIF
Minimum Premium: Must be $10,000 when RRIF contract is issued
Tiers: $1,000 - $24,999
$25,000 - $99,999
$100,000 and over
Rate Guarantee Period on Transfers: 45 days with a commitment form
Maximum Deferral Period: 4 years (age 65 to 69)
Minimum Issue Age: No restrictions Client and/or Spouse: No restrictions
Death Benefit During Deferral Period: Sum of all deposits plus accrued interest to date of death
Transfer to Another Carrier - Fees: Subject to market value adjustment if prior to fund maturity date
Options at End of RRIF Deferral Period (Crossover): - Long term RRIF 25 years with payout formula.
- Term Certain to age 90 annuity
Change in Deferral Timing: Only allowed with a market value adjustment
Investment Compounds: Annual compounding
Default Option: RRIF contract details to be determined at time of establishing RRIF contract
Cashability Option: Throughout the deferral period subject to market value adjustment
Withdrawal - Partial / Full:
Prior to: If liquid funds available no fees apply
At Crossover: 10% or $10,000 free annually when converted to RIF. Otherwise, Market value Adjustment.
Unscheduled: Subject to market value adjustment
Surrender Provisions: Subject to annual 10% provision excess subject to market value adjustment
Are illustrations produced as
part of Policy or Contract:
Yes, only when RRIF contract is established
Other: None

Data extracted from The Fiscal Reports - Registered Retirement Income Funds and Life Income Funds, Report # 11 - 4 and provided as a generic product illustration only - issuers of such products may have some, but not all of the features shown .





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