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 $27.04 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: +2.27%, 1-year: +10.16%, 3-year annualised: +9.22%, 5-year annualised: +4.24%. Past performance is not a guarantee of future results. The 3-year Sharpe ratio is 1.08, 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 3.70%, 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, 34.5%), Vanguard Canadian Aggregate Bond (VAB, 24.2%), Vanguard FTSE Developed All Cap ex North Amer Idx ETF (VIU, 11.3%), Vanguard FTSE Canada All Cap (VCN, 9.0%), Vanguard US Total Market (VUN, 8.0%) — 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 (22.2%), Technology (21.0%), Industrials (13.1%). 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 $368M 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 4.96% and a beta of 1.10 (roughly in line with the broad market). Its 3-year Sharpe ratio of 1.08 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
2026-07-31	$27.05	$27.05	$27.02	$27.04	$27.04	18,503
2026-07-30	$27.06	$27.11	$27.02	$27.11	$27.11	12,847
2026-07-29	$27.00	$27.01	$26.94	$26.96	$26.96	10,889
2026-07-28	$27.10	$27.15	$27.06	$27.15	$27.15	11,672
2026-07-27	$27.14	$27.14	$27.05	$27.11	$27.11	15,936
2026-07-24	$27.00	$27.07	$26.97	$27.03	$27.03	20,915
2026-07-23	$26.97	$26.99	$26.94	$26.96	$26.96	8,473
2026-07-22	$27.09	$27.14	$27.09	$27.11	$27.11	22,478
2026-07-21	$27.12	$27.16	$27.06	$27.15	$27.15	17,404
2026-07-20	$27.11	$27.11	$27.00	$27.02	$27.02	7,611

#	Ticker	Name	Weight
1	VCB	Vanguard Canadian Corporate Bond Index ETF	34.46%
2	VAB	Vanguard Canadian Aggregate Bond	24.24%
3	VIU	Vanguard FTSE Developed All Cap ex North Amer Idx ETF	11.26%
4	VCN	Vanguard FTSE Canada All Cap	8.97%
5	VUN	Vanguard US Total Market	7.99%
6	VBG	Vanguard Global ex-U.S. Aggregate Bond Index ETF (CAD-hedged) (VBG.NE)	6.20%
7	VBU	Vanguard U.S. Aggregate Bond Index ETF	4.08%
8	VEE	Vanguard FTSE Emerging Markets All Cap Index ETF	2.81%

Sector	Weight
Financial Services	22.22%
Technology	21.03%
Industrials	13.09%
Basic Materials	8.83%
Energy	7.52%
Consumer Cyclicals	7.32%
Healthcare	5.84%
Communication Services	4.95%
Consumer Defensive	4.30%
Utilities	2.71%
Real Estate	2.18%

Ticker	Name	Price	1D
AMZU		$28.46	+30.19%
AMHE-U	Harvest Amazon Enhanced High Income Shares ETF	$14.27	+16.68%
COID		$8.24	+16.38%
AMHE	Harvest Amazon Enhanced High Income Shares ETF - Class A Units	$14.70	+14.84%
ALPU		$19.24	+13.51%
AMZH-U	Harvest Amazon High Income Shares ETF	$13.87	+13.13%
MSFH-U	Harvest Microsoft Enhanced High Income Shares ETF	$9.48	+12.46%
PINV	Purpose Global Innovators Fund ETF	$31.26	+12.08%

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

ETF Details

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Frequently Asked Questions — VRIF