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 $27.43 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: +3.74%, 1-year: +11.83%, 3-year annualised: +9.69%, 5-year annualised: +4.60%. 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 3.71%, 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, 34.6%), Vanguard Canadian Aggregate Bond (VAB, 24.3%), Vanguard FTSE Developed All Cap ex North Amer Idx ETF (VIU, 11.1%), Vanguard FTSE Canada All Cap (VCN, 9.0%), Vanguard US Total Market (VUN, 7.9%) — 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 $359M 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
2026-06-22	$27.44	$27.47	$27.41	$27.43	$27.43	18,635
2026-06-19	$27.48	$27.48	$27.44	$27.48	$27.48	3,789
2026-06-18	$27.45	$27.50	$27.44	$27.46	$27.46	7,567
2026-06-17	$27.44	$27.50	$27.33	$27.37	$27.37	30,204
2026-06-16	$27.46	$27.46	$27.39	$27.41	$27.41	11,144
2026-06-15	$27.40	$27.45	$27.36	$27.38	$27.38	18,494
2026-06-12	$27.25	$27.29	$27.20	$27.29	$27.29	10,085
2026-06-11	$27.06	$27.20	$26.98	$27.19	$27.19	13,745
2026-06-10	$27.01	$27.03	$26.91	$26.91	$26.91	13,183
2026-06-09	$27.10	$27.10	$26.90	$26.99	$26.99	6,779

#	Ticker	Name	Weight
1	VCB	Vanguard Canadian Corporate Bond Index ETF	34.63%
2	VAB	Vanguard Canadian Aggregate Bond	24.32%
3	VIU	Vanguard FTSE Developed All Cap ex North Amer Idx ETF	11.12%
4	VCN	Vanguard FTSE Canada All Cap	8.99%
5	VUN	Vanguard US Total Market	7.87%
6	VBG	Vanguard Global ex-U.S. Aggregate Bond Index ETF (CAD-hedged) (VBG.NE)	6.22%
7	VBU	Vanguard U.S. Aggregate Bond Index ETF	4.10%
8	VEE	Vanguard FTSE Emerging Markets All Cap Index ETF	2.75%

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