FP Answers: Is there any advantage to opening a RRIF account before age 71?
FP Answers: Is there any advantage to opening a RRIF account before …
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RRSPs and RRIFs follow completely different rules when you die, and most Canadians do not realize this. An RRSP only allows you to name a beneficiary, even if it is your spouse. The account collapses at death and the spousal rollover rules decide how funds transfer. A RRIF allows something the RRSP does not. It lets you name your spouse as a successor annuitant. This means they take over the RRIF exactly as it is, without triggering tax and without collapsing the account. Payments continue under
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