“To RRIF Or Not to RRIF –That Is The Question”!

A 65-year-old Canadian MoneySaver reader asked how they should manage their Registered Retirement Savings Plan (RRSP) holdings to maximize tax savings and minimize eventual estate issues. Most of their investments were in registered accounts and they wanted to know if they should move some or all of the assets to non-registered accounts and Tax-Free Savings Accounts (TFSAs), and could they make those moves in kind (i.e. keeping their existing holdings intact) and what would be the tax...