♿ Registered Investment
Registered Disability Savings Plan (RDSP)
A long-term savings plan designed to help Canadians with disabilities and their families — with generous government grants and bonds.
How an RDSP Works
Available to Canadians who qualify for the Disability Tax Credit (DTC). The government contributes through the Canada Disability Savings Grant (CDSG) and Canada Disability Savings Bond (CDSB).
Government Contributions
- Canada Disability Savings Grant (CDSG): up to $3,500/year based on contributions and family income
- Canada Disability Savings Bond (CDSB): up to $1,000/year for lower-income families — no contribution required
- Lifetime grant limit: $70,000
- Lifetime bond limit: $20,000
- Contributions can be made by anyone — family, friends, anyone
Key Rules
- Must have a valid Disability Tax Credit certificate
- Withdrawals (LDAPs) begin by age 60
- Government grants must be repaid if RDSP closed within 10 years of last grant
- RDSP does not affect disability benefits in most provinces
Maximize Government Grants
Many families are unaware of the RDSP or how to maximize grants. If your family member qualifies for the DTC, call or WhatsApp me — I'll walk you through the entire process.