Registered pension plan (RPP)
Registered pension plan funds must be converted to a life income fund (LIF), locked-in retirement income fund (LRIF) or a life annuity by the end of the year in which you turn age 71.
A simple outline of your RPP investment options.
|Life annuity||An option at age 55.*|
|Annuity certain||Not an option.|
|Registered retirement income fund (RRIF)||Not an option.|
|Life income fund (LIF)**||An option at age 55 or later.*|
|Locked-in retirement income fund (LRIF)***||An option at age 55 or later.*|
|Prescribed RRIF (PRRIF)****||An option at age 55 or later.*|
* Plan provisions and applicable legislation may vary.
** Available in all provinces except Prince Edward Island and Saskatchewan.
*** Available only in Alberta, Manitoba, Ontario, and Newfoundland and Labrador.
**** Available only in Saskatchewan and Manitoba.
Access your account
Find information about your group retirement, savings and income account.