• RRSPs
• RIOs

• RRIFs

• LIFs

• RIO Choices

Retirement Income Option 

Other Resources FAQ Section Visit our FAQ section for more information on RIOs and other investment options. Rates If you are looking for our investment rates, click here Financial Planning Tool You can also click here to access our on-line financial planning tool.  Financial Fitness Advice from OMISTA Experts RRSP is a Gift to your Future Know Your Goals Before You Start Investing Other Products and Services of Interest Financial Planning Retirement Term Deposit GIC Mutual Funds Education Group RRSP Online Brokerage Need more answers? Visit our contact page and submit your question through the "Who can help me?" link or call one of our financial experts at any of our three branches.

Regardless of your income level, through planned long-term investing, you can accumulate enough savings to enjoy retirement in the style to which you're accustomed. Security, flexibility and growth potential are the most important considerations when planning your retirement.

When you're ready to convert your savings to income, you're dealing with a Retirement Income Option, or "RIO". A RIO is a financial product which becomes your own personal pension plan. The money to purchase your RIO comes from the funds accumulated in your Registered Retirement Savings Plan (RRSP), your Registered Pension Plan (RPP), your Deferred Profit Sharing Plan (DPSP), or any combination of these. 

Registered Retirement Income Fund (RRIF)

Life Income Fund (LIF)


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