Skip Header Navigation

Build a secure financial future with an RDSP.

If you or a loved one is eligible for the Federal Government's Disability Tax Credit, ask an RBC advisor about the Registered Disability Savings Plan (RDSP).

Offering tax-deferred growth, an RDSP can help ensure long-term financial security for Canadians affected by a disability. Eligible individuals can also receive a matching Canada Disability Savings Grant (CDSG) up to a lifetime amount of $70,000 and the plan may be eligible for the Canada Disability Savings Bond (CDSB) up to a lifetime amount of $20,000—offering the potential for even greater savings.


Key Features and Benefits of an RBC® RDSP

Here are just a few of the benefits you can expect with an RBC RDSP:

  • Tailored Advice: An RDSP presents a unique financial planning opportunity for individuals with a disability and their families. Your advisor will get to know your and your family's circumstances and life goals to identify the right strategy.
  • Tax-Deferred Growth: An RDSP helps your savings grow faster, since investment earnings are not taxed until they are withdrawn.
  • Simplicity: Contribute to your plan through RDSP-Matic®, which lets you set up automatic, pre-authorized contributions to an RDSP, making saving and investing quick and simple.
  • Convenience: Meet with an advisor at your home, an RBC branch or another location at a time that is convenient for you.
  • Choice: With an RBC RDSP, you have access to a wide variety of investment options, including RBC Funds, RBC Guaranteed Investment Certificates (GICs) and an RBC Savings Deposit.
  • Savings: At RBC, there are no RDSP withdrawal fees or annual administration fees.

Talk to an RBC advisor

An RBC advisor can show you how the Registered Disability Savings Plan can help provide long-term financial support for you or your loved one.

Call 1-866-335-4054

Contact Me (opens new window)


Financial planning services and investment advice are provided by Royal Mutual Funds Inc. (RMFI). RMFI, RBC Global Asset Management Inc., Royal Bank of Canada, Royal Trust Corporation of Canada and The Royal Trust Company are separate corporate entities which are affiliated. RMFI is licensed as a financial services firm in the province of Quebec.

Download RDSP Factsheet

Download an RDSP Factsheet

Your factsheet will include details on:

  • Who can open, contribute to and benefit from an RDSP
  • Government grants and bonds
  • RDSP withdrawals and taxes

Get a Free RDSP Factsheet