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If the RRIF account was opened prior to the year you turned 71, you must take out the minimum in that calendar year (between January 1 and December 31). The minimum RRIF withdrawals, which are set by the federal government, are based on the age you are on January 1 of the year. Learn more about making withdrawals from your RRIF.
You may want to review the resource and speak to a registered financial advisor before making an investing decision as all investments come with their share of risks. The right amount to invest in an RRSP varies for each individual based on their financial plan.