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What is the return on a RRIF?

Current RRSP interest rates

  • The return on a RRIF depends on the type of investment that you selected.
    • If the RRIF is a savings account or a Guaranteed Investment Certificate (GIC), the return is paid in the form of interest. The interest is not taxable for as long as you leave the interest in the RRIF; the interest is taxable when you withdraw it.
    • If the RRIF is a mutual fund or other type of investment, you would need to confirm in what form the return will be received (ex. interest, dividends or other).