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Read more about how RRIFs work and making withdrawals from your RRIF. Speak to a registered financial advisor or tax professional to learn more about making withdrawals from an RRIF. However, you can make withdrawals in the year you open a RRIF. Speak to your registered financial advisor to learn more about making withdrawals from your RRIF, including withholding tax on withdrawals.

The total contribution you have depends on factors including the year you first were able to contribute to a TFSA, and withdrawals you have made from your TFSA.