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  3. Registered Disability Savings Plan (RDSP)

REGISTERED DISABILITY SAVINGS PLAN (RDSP)

WHO IT'S FOR:

  • Individuals with disabilities: Designed for those eligible for the Disability Tax Credit (DTC) to build long-term financial security.
  • Parents and guardians: A smart way to save for a dependent’s future needs with government support.
  • Caring family members: Ideal for those planning ahead to support a loved one’s financial well-being over the long term.

FEATURES & BENEFITS

  • No Annual Contribution Limit: Lifetime contribution limit of $200,000
  • Tax-Deferred Growth: Investment earnings grow tax-free until withdrawal
  • Government Contributions: Eligible for Canada Disability Savings Grant and Bond
  • Eligibility: Must qualify for the Disability Tax Credit (DTC)
  • Long-Term Focus: Designed to support financial well-being into adulthood and retirement
  • No Impact on Federal Benefits: Withdrawals generally do not affect eligibility for federal income-tested programs

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