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RDSP

Registered Disability Savings Plan

HOME | WHAT WE DO | INVESTMENTS

Registered Disability Savings Plan (RDSP) is a powerful long-term savings plan designed to help individuals with disabilities and their families build financial security.

With generous government support and tax-deferred growth, the RDSP can be one of the most impactful financial tools available to eligible Canadians.

Highlights:

  • Designed for long-term financial security: The RDSP helps families save for the future needs of an individual who qualifies for the Disability Tax Credit (DTC). 
  • No annual contribution limit: Families can contribute as much as they wish each year, up to a lifetime maximum of $200,000. 
  • Tax-deferred growth: Investments inside an RDSP grow tax-sheltered until funds are withdrawn. 
  • Withdrawals & rules: While contributions are not tax-deductible, withdrawals include taxable and non-taxable portions. Certain government grants and bonds must remain in the plan for 10 years before withdrawal to avoid repayment.

Anyone can contribute to the RDSP with written permission from the plan holder. Contributions can continue until the end of the year the beneficiary turns 59, so the earlier the plan is opened, the more time contributions and government incentives have to grow and support the beneficiary’s future needs.

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Contact

Paulo Sergio Moulatlet, CFP

Investment Funds Advisor, Investia Financial Services Inc. 

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BC V4A 4N2

Mutual funds, exempt market products and exchange traded funds are offered through Investia Financial Services Inc. The particulars contained herein were obtained from sources which we believe reliable but are not guaranteed by us and may be incomplete. The opinions expressed on this website have not been approved by and are not those of Investia Financial Services Inc. This website is not deemed to be used as a solicitation in a jurisdiction where this Investia representative is not registered.

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