Usually, you can only contribute to a RRIF by directly transferring certain amounts you receive or are considered to have received.

You can have more than one RRIF and you can have self-directed RRIFs. The rules that apply to self-directed RRIFs are generally the same as those for self-directed RRSPs. For more information, see Self-directed RRSPs. You cannot transfer any part of your retirement allowance to a RRIF.

You can contribute to your RRIF by having property transferred directly from:

• your PRPP or unmatured RRSP
• your matured RRSP, including a direct transfer of a commutation payment from your RRSP annuity
• an unmatured RRSP under which your current or former spouse, or common-law partner is the annuitant. For more information concerning this type of transfer, go to Property from an unmatured RRSP
• your FHSAs, as long as you do not have an excess FHSA amount

Topics

• Property from an unmatured RRSP
• RPP and DPSP lump-sum payments
• Matured RRSP including commutation payments
• Transfers from your FHSAs to your RRSPs or RRIFs
• Amounts paid from an RRSP or RRIF upon the death of an annuitant
• Property from another RRIF
• Excess amounts from a RRIF
• Specified pension plan (SPP) payments

Forms and publications

• Guide T4040, RRSPs and Other Registered Plans for Retirement
• First Home Savings Account (FHSA)
• Information Sheet, RC4177, Death of an RRSP Annuitant
• Form T2019, Death of an RRSP Annuitant - Refund of Premiums