年满71岁当年的12月31日之后，您将不可持有RRSP。到那时，您将从RRSP中一次性取款，并将其转入注册退休收入基金或购买年金。
How long can my RRSP stay open?
You are not allowed to own an RRSP past December 31 of the calendar year you turn 71.
At that point, you’ll have to withdraw funds from the RRSP as a lump sum, transfer its contents to a Registered Retirement Income Fund or purchase an annuity.
刚才查了查RIF的定义，RIF是每年固定支取的。不拿出来也得每年固定拿出一定金额。
A registered retirement income fund (RRIF) is an arrangement between you and a carrier (an insurance company, a trust company or a bank) that we register. You transfer property to your RRIF carrier from an RRSP, a PRPP, an RPP, an SPP, from another RRIF, or from an FHSA and the carrier makes payments to you.
The minimum amount must be paid to you in the year following the year the RRIF is entered into. Earnings in a RRIF are tax-free and amounts paid out of a RRIF are taxable on receipt.
最低金额必须在签订 RRIF 的次年支付给您。 RRIF 中的收入是免税的，而从 RRIF 中支付的金额则在收到时应纳税。