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 $26.75 CAD on the TSX. See the price chart above for recent performance.

Question 3

What are VRIF annualised returns?

Accepted Answer

VRIF historical returns: YTD: +1.17%, 1-year: +3.88%, 3-year annualised: +10.39%, 5-year annualised: +4.15%, 10-year annualised: +0.00%. Past performance is not a guarantee of future results. The 3-year Sharpe ratio is 1.26, which measures risk-adjusted return.

Question 4

Does VRIF pay dividends or distributions?

Accepted Answer

Yes, VRIF distributes income to unitholders. The current distribution yield is approximately 4.00%, 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 5

What does VRIF invest in?

Accepted Answer

VRIF's top holdings include Vanguard Canadian Corporate Bond Index ETF (VCB, 35.5%), Vanguard Canadian Aggregate Bond (VAB, 24.4%), Vanguard FTSE Developed All Cap ex North Amer Idx ETF (VIU, 13.5%), Vanguard FTSE Canada All Cap (VCN, 8.8%), 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 6

What sectors does VRIF invest in?

Accepted Answer

VRIF's largest sector exposures are Financial Services (23.5%), Technology (18.6%), Industrials (13.5%). The full sector breakdown is shown in the Sector Weights table on this page.

Question 7

How large is VRIF? (Assets under management)

Accepted Answer

VRIF has approximately $372M 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 8

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 9

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 10

How risky is VRIF?

Accepted Answer

VRIF has a 1-year volatility of 5.19% and a beta of 1.11 (more volatile than the broad market). Its 3-year Sharpe ratio of 1.26 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
2026-10-29	$26.78	$26.79	$26.72	$26.75	$26.75	11,143
2026-10-28	$26.81	$26.81	$26.73	$26.73	$26.73	12,423
2026-10-27	$26.73	$26.76	$26.73	$26.76	$26.76	10,624
2026-10-26	$26.69	$26.70	$26.66	$26.68	$26.68	27,634
2026-10-23	$26.64	$26.65	$26.60	$26.64	$26.64	6,207
2026-10-22	$26.72	$26.73	$26.69	$26.73	$26.73	6,355
2026-10-21	$26.74	$26.79	$26.72	$26.78	$26.78	6,163
2026-10-20	$26.68	$26.73	$26.64	$26.71	$26.71	6,401
2026-10-19	$26.79	$26.79	$26.63	$26.64	$26.64	38,382
2026-10-16	$26.83	$26.87	$26.75	$26.79	$26.79	20,535

#	Ticker	Name	Weight
1	VCB	Vanguard Canadian Corporate Bond Index ETF	35.50%
2	VAB	Vanguard Canadian Aggregate Bond	24.44%
3	VIU	Vanguard FTSE Developed All Cap ex North Amer Idx ETF	13.49%
4	VCN	Vanguard FTSE Canada All Cap	8.81%
5	VUN	Vanguard US Total Market	7.64%
6	VBG	Vanguard Global ex-U.S. Aggregate Bond Index ETF (CAD-hedged) (VBG.NE)	6.09%
7	VBU	Vanguard U.S. Aggregate Bond Index ETF	4.23%
8	VEE	Vanguard FTSE Emerging Markets All Cap Index ETF	0.09%

Sector	Weight
Financial Services	23.52%
Technology	18.60%
Industrials	13.53%
Basic Materials	8.52%
Energy	7.64%
Consumer Cyclicals	7.07%
Healthcare	6.28%
Consumer Defensive	4.39%
Communication Services	4.18%
Utilities	2.55%
Real Estate	2.17%

Ticker	Name	Price	1D
CGMD		$7.10	+11.64%
LLHE-U	Harvest Eli Lilly Enhanced High Income Shares ETF	$11.25	+9.22%
GASD		$6.29	+8.45%
GDXD	BetaPro Canadian Gold Miners -2x Daily Bear ETF	$9.91	+7.89%
SLVD	BetaPro Silver -2x Daily Bear ETF	$45.86	+7.83%
HND	BetaPro Natural Gas 2x Daily Bear	$29.33	+6.97%
LLHE	Harvest Eli Lilly Enhanced High Income Shares ETF - Class A Units	$11.55	+6.06%
QQQD		$6.98	+4.96%

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