RRSP withdrawals are generally included in taxable income. RRSPs must mature by the end of the year the annuitant turns 71, 和 RRIFs then have prescribed minimum withdrawals. A good drawdown plan considers today’s tax rate 和 future forced income together.
RRSP 何时必须转为退休收入
CRA 指南说明，RRSP 必须在账户持有人满 71 岁当年的年底前到期。到期时，资金通常可提取、转入 RRIF 或用于购买符合条件的年金。直接从 RRSP 转到 RRIF 本身不会立即产生应税收入，但 RRIF 提款在支付时应税。
RRIF 最低提款
A RRIF has an annual minimum payment based on age 和 the value of the RRIF at the beginning of the year. For standard post-1992 RRIFs, the prescribed factor is 5.28% at age 71, 5.40% at 72, 5.53% at 73 和 rises with age. The exact factor should be verified against CRA’s current prescribed-factor table.
Where permitted 和 elected when the RRIF is established, the minimum may be based on a younger spouse or common-law partner’s age. This can reduce required withdrawals.
为什么 71 岁前提款有时有帮助
Deferring every RRSP dollar as long as possible can create a large RRIF balance 和 更高 mandatory taxable withdrawals later. In some plans, taking controlled RRSP withdrawals earlier—especially in low-income years before CPP/OAS or before large pensions begin—can reduce lifetime tax or future OAS recovery. In other plans, early withdrawals simply accelerate tax unnecessarily. The answer depends on the entire projection.
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