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However, funds are not transferred from a non-registered savings plan to a RRIF. If the RRSP was transferred to a RRIF, the tax is deferred until you make your withdrawals from your RRIF. When you buy a bond, youre lending your money to a company or government for a set period of time (the term). There are bonds called convertible bonds, which may come with the right to purchase common shares under certain conditions.