Question 1

What is VRIF?

Accepted Answer

VRIF — Vanguard Retirement Income ETF Portfolio — is a Canadian-listed ETF trading on the TSX. NA

Question 2

What is the VRIF ETF price today?

Accepted Answer

VRIF last traded at $26.68 CAD on the TSX. See the price chart above for recent performance.

Question 3

What is the VRIF MER (management expense ratio)?

Accepted Answer

VRIF has a management expense ratio (MER) of 0% per year. This fee is automatically deducted from the fund's assets, so you never pay it directly — but it does reduce your net returns over time. At 0%, VRIF is considered a low-cost ETF.

Question 4

What are VRIF annualised returns?

Accepted Answer

VRIF historical returns: YTD: +0.91%, 1-year: +5.89%, 3-year annualised: +9.28%, 5-year annualised: +3.74%. Past performance is not a guarantee of future results. The 3-year Sharpe ratio is 1.05, which measures risk-adjusted return.

Question 5

Does VRIF pay dividends or distributions?

Accepted Answer

Yes, VRIF distributes income to unitholders. The current distribution yield is approximately 3.79%, paid monthly. Distributions may include dividends, interest, capital gains, or return of capital depending on the fund's holdings. In a TFSA or RRSP, distributions are sheltered from tax.

Question 6

What does VRIF invest in?

Accepted Answer

VRIF's top holdings include Vanguard Canadian Corporate Bond Index ETF (VCB, 34.9%), Vanguard Canadian Aggregate Bond (VAB, 24.3%), Vanguard FTSE Developed All Cap ex North Amer Idx ETF (VIU, 13.6%), Vanguard FTSE Canada All Cap (VCN, 9.0%), Vanguard US Total Market (VUN, 7.5%) — and 3 more positions. See the full Top 10 Holdings table above for a complete breakdown. The fund tracks the Morningstar Can FI Gbl Tgt Alloc NR CAD.

Question 7

What sectors does VRIF invest in?

Accepted Answer

VRIF's largest sector exposures are Financial Services (23.7%), Technology (19.9%), Industrials (14.1%). The full sector breakdown is shown in the Sector Weights table on this page.

Question 8

How large is VRIF? (Assets under management)

Accepted Answer

VRIF has approximately $370M in assets under management (AUM). Larger AUM generally means better liquidity, tighter bid-ask spreads, and a lower risk of the fund being wound down.

Question 9

When was VRIF launched?

Accepted Answer

VRIF was launched on September 9, 2020, giving it a 6-year track record. A longer history makes it easier to evaluate how the ETF performs across different market cycles.

Question 10

How do I buy VRIF in Canada?

Accepted Answer

VRIF trades on the TSX under the ticker VRIF. You can buy it through any Canadian brokerage, including Wealthsimple Trade (commission-free), Questrade, TD Direct Investing, RBC Direct, and CIBC Investor's Edge. It can be held in a TFSA, RRSP, FHSA, or taxable account.

Question 11

How risky is VRIF?

Accepted Answer

VRIF has a 1-year volatility of 5.36% and a beta of 1.10 (roughly in line with the broad market). Its 3-year Sharpe ratio of 1.05 indicates solid risk-adjusted returns. As with all market-linked investments, past volatility does not predict future risk.

Date	Open	High	Low	Close	Adj Close	Volume
2026-09-10	$26.76	$26.76	$26.65	$26.68	$26.68	16,990
2026-09-09	$26.91	$26.91	$26.84	$26.85	$26.85	18,814
2026-09-08	$26.96	$26.98	$26.93	$26.93	$26.93	18,968
2026-09-04	$26.97	$27.05	$26.97	$27.03	$27.03	11,000
2026-09-03	$26.94	$26.99	$26.94	$26.98	$26.98	17,450
2026-09-02	$26.91	$26.93	$26.86	$26.89	$26.89	14,932
2026-09-01	$26.97	$26.98	$26.90	$26.90	$26.90	10,800
2026-08-31	$27.14	$27.14	$27.05	$27.08	$27.08	7,958
2026-08-28	$27.19	$27.21	$27.11	$27.14	$27.14	11,389
2026-08-27	$27.22	$27.22	$27.17	$27.18	$27.18	18,599

#	Ticker	Name	Weight
1	VCB	Vanguard Canadian Corporate Bond Index ETF	34.92%
2	VAB	Vanguard Canadian Aggregate Bond	24.32%
3	VIU	Vanguard FTSE Developed All Cap ex North Amer Idx ETF	13.61%
4	VCN	Vanguard FTSE Canada All Cap	9.01%
5	VUN	Vanguard US Total Market	7.50%
6	VBG	Vanguard Global ex-U.S. Aggregate Bond Index ETF (CAD-hedged) (VBG.NE)	6.35%
7	VBU	Vanguard U.S. Aggregate Bond Index ETF	4.21%
8	VEE	Vanguard FTSE Emerging Markets All Cap Index ETF	0.08%

Sector	Weight
Financial Services	23.70%
Technology	19.91%
Industrials	14.09%
Basic Materials	8.01%
Energy	7.16%
Consumer Cyclicals	6.93%
Healthcare	6.41%
Consumer Defensive	4.56%
Communication Services	4.26%
Utilities	2.77%
Real Estate	2.20%

Ticker	Name	Price	1D
OILU		$65.56	+11.27%
HOU	BetaPro Crude Oil Daily Bull ETF	$29.03	+11.14%
SLVD	BetaPro Silver -2x Daily Bear ETF	$31.94	+10.98%
CGMD		$5.11	+10.61%
SOXD		$15.41	+7.69%
AAPU		$43.36	+7.33%
MSTZ		$3.24	+7.28%
GASD		$5.46	+6.64%

CIBC Investor's Edge

Vanguard Retirement Income ETF Portfolio (VRIF : TSX)

Price Chart (30 Days)

Key Statistics

Recent Price History

Annualised Returns

Top 10 Holdings

Sector Weights

About Vanguard Retirement Income ETF Portfolio

ETF Details

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Frequently Asked Questions — VRIF