Maybe I'm reading the age wrong?... I am still too young to make a RIFF. But I am feeling that my rrsp is too big ... My 70 year old self has enough already ...
Where one is age 70 this year and one starts the RRSP withdrawals next yet (presumably the year one turns age 71), AFAICT there's little to no time to reduce the RRSP before it has to be collapsed. Options for your own RRSPs - Canada.ca
It seems easier to convert to a RRIF slightly early versus moving accounts around to make back the $50 withdrawal fee.