What really bugs me is, at age 72, the compulsory withdrawal of 5% of my RRSP(RIF) which is taxable.  I don't need this withdrawal at this point as I'm still earning, it now earns 1% interest in a savings account, when actuarially I am expected to live to 100 when I WILL need the income.  This stupid rule was invented by government to recoup their taxes at a time when life expectancy was 75.  It doesn't make any sense now.