Eligible investments for your Registered Disability Savings Plan (RDSP)
Within an RBC RDSP, you have access to a wide variety of investment options including RBC Funds, RBC GICs and RBC Savings Deposits.
There are no annual administration or withdrawal fees. You also have the opportunity to make regular, pre-authorized contributions through RDSP-Matic™.
An RBC advisor can work with you to help you choose the investment that’s right for you.
Mutual Funds
If you want your RDSP to benefit from diversification and professional money management, then RBC Funds could be the right choice for you.
RBC Funds are managed by RBC Asset Management Inc.®, Canada's largest mutual fund family, with over $90 billion in assets under management and more than 1.2 million investors.
RBC Funds was recognized by Lipper as Best Overall Fund Group in Canada for the second consecutive year, with the best adjusted performance over three years*.
Our wide selection of mutual funds and portfolio solutions spans all asset classes, geographies and investment styles. RBC Funds also encompass tax-efficient, currency–neutral, and socially responsible investment options.
Key Benefits of RBC Funds:
- An award-winning performance record
- A disciplined focus on risk management
- A smart, experienced team that follows a clear, disciplined investment process
- A leader in delivering low management expense ratios (MERs)
Guaranteed Investment Certificates (GICs)
An RBC GIC could be ideal for your RDSP if you want to invest for a specific term at a guaranteed rate without risking your initial investment. Your investment earns interest, at either a fixed rate, or based on a pre-determined formula. In general, GICs with longer terms earn higher interest rates.
Key Benefits of RBC GICs1:
- Your original investment and interest rate are guaranteed for the full term of the investment2
- Competitive interest rates
- Flexible investment terms ranging from 30 days to 10 years
Savings Deposits
Similar to a regular savings account, RBC Savings Deposits are a simple way to start contributing to your Registered Disability Savings Plan. They can be particularly useful if you are not ready to make a long-term investment decision.
Key Benefits of RDSP Savings Deposits:
- Security and safety
- Interest calculated daily and paid semi-annually
- Low minimum deposit required
- Easy and convenient access to your money
- Ability to switch the funds to RBC GICs or RBC Funds
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Talk to an RBC advisor |
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An RBC advisor can show you how the new Registered Disability Savings Plan may help provide long-term financial support for you or your loved one.
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Call 1-800-463-3863 |
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Book an appointment with an RBC advisor |
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RBC Funds are offered by RBC Asset Management Inc. and sold by Royal Mutual Funds Inc. Royal Mutual Funds Inc., Royal Bank of Canada, RBC Asset Management Inc., Royal Trust Company and The Royal Trust Corporation of Canada are separate corporate entities that are affiliated. Royal Mutual Funds Inc. is licensed as a financial services firm in the province of Quebec.
There may be commissions, trailing commissions, management fees and expenses associated with mutual fund investments. Mutual funds are not guaranteed or covered by the Canada Deposit Insurance Corporation or by another government deposit insurer. For funds other than money market funds, unit values change frequently. For money market funds, there can be no assurances that a fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in a fund will be returned to you. Past performance may not be repeated. Please read the prospectus before investing.
1 Benefits listed are not applicable for all types of GICs.
2 Returns for the RBC Market Access GICs are not guaranteed.
* Lipper Inc. (A Reuters company). As of December 31, 2007.
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