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 $26.69 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: +0.95%, 1-year: +5.96%, 3-year annualised: +10.34%, 5-year annualised: +4.23%. 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, 34.7%), Vanguard Canadian Aggregate Bond (VAB, 24.2%), Vanguard FTSE Developed All Cap ex North Amer Idx ETF (VIU, 13.7%), Vanguard FTSE Canada All Cap (VCN, 9.3%), 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 (24.7%), Technology (18.2%), Industrials (14.0%). 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 $373M 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
2026-10-01	$26.69	$26.71	$26.59	$26.69	$26.69	16,800
2026-09-30	$26.80	$26.80	$26.75	$26.76	$26.67	21,600
2026-09-29	$26.85	$26.85	$26.74	$26.79	$26.79	17,933
2026-09-28	$26.84	$26.84	$26.75	$26.82	$26.82	9,370
2026-09-25	$26.90	$26.93	$26.83	$26.93	$26.93	9,904
2026-09-24	$26.84	$26.84	$26.75	$26.81	$26.81	29,043
2026-09-23	$27.04	$27.04	$26.80	$26.84	$26.84	28,923
2026-09-22	$27.05	$27.09	$27.01	$27.09	$27.09	30,742
2026-09-21	$26.92	$26.99	$26.91	$26.98	$26.98	8,674
2026-09-18	$26.91	$26.91	$26.80	$26.82	$26.82	12,572

#	Ticker	Name	Weight
1	VCB	Vanguard Canadian Corporate Bond Index ETF	34.66%
2	VAB	Vanguard Canadian Aggregate Bond	24.16%
3	VIU	Vanguard FTSE Developed All Cap ex North Amer Idx ETF	13.75%
4	VCN	Vanguard FTSE Canada All Cap	9.25%
5	VUN	Vanguard US Total Market	7.59%
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	4.20%
8	VEE	Vanguard FTSE Emerging Markets All Cap Index ETF	0.08%

Sector	Weight
Financial Services	24.71%
Technology	18.21%
Industrials	14.01%
Energy	7.80%
Basic Materials	7.78%
Consumer Cyclicals	7.07%
Healthcare	6.45%
Consumer Defensive	4.67%
Communication Services	4.32%
Utilities	2.73%
Real Estate	2.24%

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MSTE	Harvest MicroStrategy Enhanced High Income Shares ETF - Class A Units	$2.85	+4.40%
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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

7 stocks to buy and hold forever

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Frequently Asked Questions — VRIF