Registered Disability Savings Plan

RDSP

Long-Term Security

Understanding your RDSP

The Registered Disability Savings Plan (RDSP) is a powerful long-term savings plan to help Canadians with disabilities and their families save for the future.

Best Suited For

Canadians with the DTC

Families supporting a disabled relative

Long-term financial planning needs

At a Glance

Tax StatusTax-Deferred

Max Grants$70,000

Max Bonds$20,000

Primary UseDisability Savings

Why choose a RDSP?

Key advantages designed to help you reach your goals faster.

Generous Grants

The government provides matching grants (CDSG) of up to 300% on contributions, up to $70,000.

Disability Bonds

Low-income families may receive up to $20,000 in Canada Disability Savings Bonds without contributing.

Tax-Deferred Growth

Earnings grow tax-free until withdrawal, allowing for faster compounding over time.

Account Rules & Features

Everything you need to know about how your RDSP works.

$200,000 lifetime contribution limit

Contributions are not tax-deductible but growth is tax-deferred

Available until age 59

Payments must begin by age 60

Need help deciding?

Our financial advisors can help you determine the best investment strategy for your unique situation.