Walth LogoInvest in Health. Grow Your Wealth

RDSP – Registered Disability Savings Plan

Secure Long-Term Financial Support for Canadians with Disabilities

A RDSP (Registered Disability Savings Plan) is a government-registered account designed to help Canadians with disabilities and their families build long-term financial security. Contributions grow tax-deferred, and the government adds matching grants and bonds to maximize your savings. At Whealth, we help Canadians plan and invest in RDSPs strategically.

What Is a RDSP?

The RDSP is a powerful savings tool that provides support for future expenses and financial independence.

Tax-Deferred Growth

All investment earnings grow tax-deferred until withdrawals, maximizing compounding impact.

Government Matching

Grants (CDSG) and Bonds (CDSB) provide massive government contributions to your savings.

Long-Term Planning

Ensures financial support for housing, healthcare, and future independence for the beneficiary.

Financial Independence

Designed to improve the quality of life and provide peace of mind for families.

Maximize Grants & Bonds

Up to 3:1 Government Matching

The Canadian government matches contributions with up to $3 for every $1 contributed, plus additional bonds for eligible low-income Canadians — significantly accelerating savings. We help you navigate grant eligibility rules.

  • CDSG Grant capture
  • CDSB Bond eligibility
  • Low-income support
  • Grant-maximizing design

    • RDSP Portfolio Assets

    We tailor each RDSP based on the beneficiary's age, timeline, and family financial goals.

    Investment Choices:
    GICBondsStocksMutual FundsSeg Funds

    Stability & Growth

    Ensure long-term financial stability for the beneficiary with an account that accommodates all income levels.

    Selection Factors:
    Beneficiary AgeHealthcare NeedsRisk ProfileIncome Targets

    Plan for Long-Term Security

    Inclusive Financial Support

    RDSPs ensure financial support for Canadians with disabilities, helping cover costs for housing, healthcare, education, and independence. It's a cornerstone for family-wide peace of mind and quality of life.

  • Future expense coverage
  • Enhanced independence
  • Inclusive for all incomes
  • Quality of life focus

    • Tax-Deferred Growth Strategy

    Maximize Compounding Impact

    All investment earnings grow tax-deferred until withdrawals, allowing compounding to work effectively over decades. We help you design a long-term strategy that balances risk and capital preservation.

  • Decades of tax-free growth
  • Strategic asset allocation
  • Inheritance & legacy planning

    • Whealth Support

    Whealth helps Canadians with personalized portfolios and government grant maximization designed for consistency.

    Our Role:
    Grant OptimizationLiquidity PlanningWealth PreservationWithdrawal Guidance

    Frequently Asked Questions

    To open an RDSP, the beneficiary must be eligible for the Disability Tax Credit (DTC), be a Canadian resident, have a valid SIN, and be under age 60.
    The government provides matching grants of up to $3,500 per year, depending on the beneficiary's family income and contribution amount, up to a lifetime total of $70,000.
    For low-income Canadians, the government may contribute up to $1,000 per year in bonds, even if no contributions are made, up to a lifetime limit of $20,000.
    There is no annual contribution limit, but there is a lifetime contribution limit of $200,000 for all contributions made to the RDSP.
    Due to the "10-year rule," if you withdraw funds, you may have to repay a portion of the grants and bonds received in the previous 10 years. We help you plan withdrawals to minimize these impacts.

    Who Should Consider an RDSP?

    Persons with Disabilities

    Individuals seeking to build long-term independence and financial stability for their future.

    Caring Families

    Parents or heirs planning long-term financial support and legacy for a disabled loved one.

    Financial Planners

    Guardians and family trustees seeking government grant and bond optimization strategies.

    Tax-Aware Savers

    Investors aiming for tax-efficient long-term wealth growth through specialized vehicles.

    Build Financial Independence Today

    Whealth helps Canadian families use RDSPs strategically — ensuring financial stability and independence for beneficiaries.