Retirement Income Fund - RIF


DEFINITION of 'Retirement Income Fund - RIF'

A group of investment products available to anyone as a conservative means of saving for retirement. A RIF is generally a mutual fund that is well diversified in large and mid-cap stocks and bonds. A RIF balances its portfolio to allow for moderate gains using a conservative approach to attempt to retain value while providing income to investors.

BREAKING DOWN 'Retirement Income Fund - RIF'

Retirement income funds are actively managed funds that are intended to provide conservative, moderate growth for assets tucked away for retirement purposes, such as IRAs. There is no special tax treatment for these funds despite their name; they are treated as normal mutual fund investments. As a mutual fund, they are exposed to market risk and are, therefore, not a guaranteed retirement income - although they are invested conservatively. Some types of retirement income funds pay out regular distributions, such as monthly or quarterly. This type of fund usually has a required minimum investment and will incur fees similar to other mutual fund products.

  1. Diversification

    A risk management technique that mixes a wide variety of investments ...
  2. Asset Allocation Fund

    A mutual fund that provides investors with a portfolio of a fixed ...
  3. Retirement Planning

    The process of determining retirement income goals and the actions ...
  4. Mutual Fund

    An investment vehicle that is made up of a pool of funds collected ...
  5. Individual Retirement Account - ...

    An investing tool used by individuals to earn and earmark funds ...
  6. Benchmark

    A standard against which the performance of a security, mutual ...
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  1. When can catch-up contributions start?

    Most qualified retirement plans such as 401(k), 403(b) and SIMPLE 401(k) plans, as well as individual retirement accounts ... Read Full Answer >>
  2. Are 401(k) contributions tax deductible?

    All contributions to qualified retirement plans such as 401(k)s reduce taxable income, which lowers the total taxes owed. ... Read Full Answer >>
  3. Are 401(k) rollovers taxable?

    401(k) rollovers are generally not taxable as long as the money goes into another qualifying plan, an individual retirement ... Read Full Answer >>
  4. Are catch-up contributions included in the 415 limit?

    Unlike regular employee deferrals, catch-up contributions are not included in the 415 limit. While there is an annual limit ... Read Full Answer >>
  5. Can catch-up contributions be matched?

    Depending on the terms of your plan, catch-up contributions you make to 401(k)s or other qualified retirement savings plans ... Read Full Answer >>
  6. Are catch-up contributions included in actual deferral percentage (ADP) testing?

    Though the Internal Revenue Service (IRS) carefully scrutinizes the contributions of highly compensated employees (HCEs) ... Read Full Answer >>

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