RDSP - Registered Disability Savings Plan
Tax-Advantaged Savings for Eligible Canadians
The RDSP is a federal savings plan for individuals eligible for the Disability Tax Credit (DTC). Contributions grow tax-deferred, and the government may add significant amounts through the Canada Disability Savings Grant and Bond.
Family, friends, or the beneficiary can contribute up to a lifetime limit of $200,000. Grants and bonds can accumulate until age 49, and funds can be withdrawn later in life to support long-term care, independence, and financial stability.
Key Benefits
Free government money: Up to $90,000 in Grants & Bonds available.
Tax-deferred growth: Investments grow tax-free until withdrawn.
Low income support: Bonds available even with no personal contributions.
High matching rates: Government matches up to 300% depending on income.
Let’s Talk About Your Goals
It’s never too early — or too late — to start planning. Book a call today and take the first step toward financial confidence.