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 $27.31 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: +3.29%, 1-year: +12.35%, 3-year annualised: +9.76%, 5-year annualised: +4.84%. Past performance is not a guarantee of future results. The 3-year Sharpe ratio is 1.07, 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 3.76%, 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, 35.0%), Vanguard Canadian Aggregate Bond (VAB, 24.5%), Vanguard FTSE Developed All Cap ex North Amer Idx ETF (VIU, 10.7%), Vanguard FTSE Canada All Cap (VCN, 9.0%), Vanguard US Total Market (VUN, 7.6%) — 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 (22.4%), Technology (16.9%), Industrials (13.4%). 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 $358M 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 5.00% and a beta of 1.10 (roughly in line with the broad market). Its 3-year Sharpe ratio of 1.07 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
2026-06-02	$27.26	$27.31	$27.25	$27.31	$27.31	21,956
2026-06-01	$27.15	$27.25	$27.13	$27.21	$27.21	24,586
2026-05-29	$27.30	$27.32	$27.28	$27.29	$27.29	13,600
2026-05-28	$27.21	$27.26	$27.13	$27.25	$27.25	8,690
2026-05-27	$27.19	$27.26	$27.19	$27.20	$27.20	26,698
2026-05-26	$27.20	$27.22	$27.17	$27.22	$27.22	15,768
2026-05-25	$27.16	$27.30	$27.16	$27.30	$27.30	20,076
2026-05-22	$27.08	$27.08	$27.03	$27.03	$27.03	11,960
2026-05-21	$26.89	$27.04	$26.86	$26.98	$26.98	22,486
2026-05-20	$26.67	$26.90	$26.67	$26.88	$26.88	20,060

#	Ticker	Name	Weight
1	VCB	Vanguard Canadian Corporate Bond Index ETF	35.03%
2	VAB	Vanguard Canadian Aggregate Bond	24.49%
3	VIU	Vanguard FTSE Developed All Cap ex North Amer Idx ETF	10.73%
4	VCN	Vanguard FTSE Canada All Cap	8.96%
5	VUN	Vanguard US Total Market	7.58%
6	VBG	Vanguard Global ex-U.S. Aggregate Bond Index ETF (CAD-hedged) (VBG.NE)	6.30%
7	VBU	Vanguard U.S. Aggregate Bond Index ETF	4.18%
8	VEE	Vanguard FTSE Emerging Markets All Cap Index ETF	2.72%

Sector	Weight
Financial Services	22.39%
Technology	16.91%
Industrials	13.35%
Basic Materials	9.39%
Energy	8.61%
Consumer Cyclicals	7.60%
Healthcare	6.55%
Communication Services	5.00%
Consumer Defensive	4.82%
Utilities	3.03%
Real Estate	2.33%

Vanguard Retirement Income ETF Portfolio (VRIF : TSX)

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Price Chart (30 Days)

Key Statistics

Recent Price History

Annualised Returns

Top 10 Holdings

Sector Weights

About Vanguard Retirement Income ETF Portfolio

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Frequently Asked Questions — VRIF