If You're Saving for Retirement · 🇨🇦 Canada

RRIF Younger Spouse Age Election — Lower Your Minimum Withdrawals for Years

Difficulty Medium Applies To All Provinces & Territories Last Updated 2026-04-03

RRIF Younger Spouse Age Election — Lower Your Minimum Withdrawals for Years

What Is It?

When establishing a RRIF, you can choose to base the minimum annual withdrawal on the age of your younger spouse or common-law partner instead of your own.

What Most People Don’t Know

  • The choice must be made when the RRIF is established.
  • It can reduce forced withdrawals for many years.
  • This can help with OAS clawback and tax-bracket management.

Sources