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 $27.03 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: +2.23%, 1-year: +8.61%, 3-year annualised: +9.98%, 5-year annualised: +4.04%. Past performance is not a guarantee of future results. The 3-year Sharpe ratio is 0.95, 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 3.78%, 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 $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 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 5.40% and a beta of 1.11 (more volatile than the broad market). Its 3-year Sharpe ratio of 0.95 indicates moderate risk-adjusted returns. As with all market-linked investments, past volatility does not predict future risk.

Date	Open	High	Low	Close	Adj Close	Volume
2026-08-20	$27.02	$27.05	$27.01	$27.03	$27.03	5,397
2026-08-19	$27.14	$27.15	$27.09	$27.12	$27.12	7,743
2026-08-18	$27.12	$27.12	$27.07	$27.09	$27.09	17,975
2026-08-17	$27.16	$27.21	$27.16	$27.17	$27.17	10,027
2026-08-14	$27.30	$27.31	$27.20	$27.22	$27.22	10,672
2026-08-13	$27.22	$27.30	$27.22	$27.30	$27.30	16,356
2026-08-12	$27.21	$27.21	$27.19	$27.21	$27.21	18,587
2026-08-11	$27.14	$27.20	$27.13	$27.13	$27.13	37,715
2026-08-10	$27.18	$27.18	$27.12	$27.13	$27.13	11,476
2026-08-07	$27.25	$27.25	$27.18	$27.22	$27.22	4,100

#	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%

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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