I will use one example i bought Telus in my wife's RRSP Mid 2009 .  Today it is paying her 15% on the original investment.  In 4 yrs telus will be in her RRIF paying her Appox 20% on the original investment.  Over the first 10yrs of her RRIF Telus will pay her $67,000 on a original investment of $ 33,700 that is with no increase in the dividends. It is unlikely Telus would not increase their dividend for 10yrs .  Sorry but you can keep your bonds.