Consider raising the cash portion of your RRIF portfolio to fund withdrawals. If you are having to constantly sell investments to meet the withdrawal requirements, you may be forced to sell during a market downturn. "Those market dips can work against you. And you will never have the opportunity to recover," says Marc Lamontagne, a certified financial planner and partner at Ottawa-based Ryan Lamontagne Inc. The way to prevent having to sell investments at the worst of times is to keep a sufficient cash reserve. 

Michael Ryval - February 26, 2018


PDF text: Six key guidelines for RRIF investors