RDSP (Registered Disability Savings Plan)

The RDSP allows you to build financial security for yourself or a loved one with a severe and prolonged disability.

• Maximum lifetime contribution of $200,000 that may qualify the beneficiary for:
  • A Canada Disability Savings Grant
  • A Canada Disability Savings Bond
• Income is tax-free as long as it remains in the plan

To establish an RDSP, the beneficiary must:

• Be eligible for the Disability Tax Credit based on the Canada Revenue Agency criteria
• Have a social insurance number (SIN)
• Be under 60 years of age
• Reside in Canada at the time the plan is established

Eligible investments:

• Guaranteed fixed-rate investments (GICs)
• Market-linked guaranteed investments
• Regular Savings Account – RDSP
• Mutual Funds¹

For more details, see the RDSP brochure.

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1. Mutual funds are offered through Credential Asset Management Inc. Mutual funds, other securities and securities related financial planning services are offered through Credential Securities, a division of Credential Qtrade Securities Inc.