The MoneyReady Forum
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Given we have not retired we have everything still in an RRSP.   As we do the Time Machine runs + Optimizers what assumptions are made if money is being withdrawn from the RRSP?  As well, would the withdrawals possibly be different if money were in a RRIF.    I know the focus is draw down on RRSP or RRIF anyway.     Just curious what it will look like once some of our money is in a RRIF and all after age 71

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The TIME MACHINE will convert the RRSP accounts to RRIFs at the age you set to be converted.
Default is 71, but you can change that: Edit Account Properties, and I on the next screen after you Save/Continue the first.
You can also run a SCAN on the age to convert if you want to explore a range of values.
Once converted to RRIF (you’ll see that in the Warnings/Info column of the TimeTable), minimum required withdrawals will be withdrawn in the TM.
You’ll also see withdrawals in the detailed report or year report, as voluntary or required.

The TM treats all withdrawals from RRSPs or RRIFs after age 65  as splittable pension income. In real life you need to do a partial conversion to RRIF for it to be considered splittable income. So be careful, the TM assumes you will do that.

The Withdrawal Optimizer also considers all of this.