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Secure long-term financial support for individuals with disabilities.

An RDSP helps build savings for the future while benefiting from government grants and bonds. Funds grow tax-free, and there’s no annual contribution limit—helping create long-term financial security.

What is an RDSP?

Gain peace of mind by saving for the long-term financial security of yourself or a loved one with a Registered Disability Savings Plan (RDSP).

The RDSP is a government registered plan that helps individuals with disabilities and their families or caregivers save for future medical and living expenses. Contributions are not tax-deductible, but they grow tax-free and may qualify for incentives offered by the federal government: the Canada Disability Savings Grant (CDSG) and the Canada Disability Savings Bond (CDSB). 

At ACU, RDSPs are available exclusively in mutual funds* through our partnership with Aviso Wealth, we can customize your portfolio to match your risk tolerance and savings goals.

Key benefits of an RDSP

  • Tax-deferred growth – Investments grow tax-free until withdrawal.
  • Flexible contribution limits - No annual contribution limit. Lifetime limit of $200,000.
  • Government grants and bonds – Eligible for Canada Disability Savings Grant (CDSG) to maximums of $1,000 per year and $70,000 over the lifetime of the fund.
  • Additional government support - Low-income individuals may be eligible for an additional $1,000 per year for 20 years. Contributions matched by the federal government up to $3,500 annually and a lifetime maximum of $70,000.
  • Long-term financial security - Designed to provide financial support for individuals with disabilities into their retirement years.
  • No withdrawal impact - Payments to a beneficiary from an RDSP do not affect income-tested programs like Old Age Security, the Guaranteed Income Supplement and the Canada Pension Plan.
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Featured RDSP Rates

*Rates subject to change

1.00%

Variable Savings

2.00%

1-Year GIC

3.00%

5-Year GIC

Eligibility

  • The beneficiary must be a Canadian resident, under the age of 60, with a valid Social Insurance Number (SIN) who has been approved for the federal Disability Tax Credit
  • Who can open an RSDP?
    • A person with a disability who is the age of majority and has the capacity to manage his or her finances; or
    • The legal parent of a child with a disability who has not reached the age of majority; or
    • A guardian or other representative who is legally authorized to act on behalf of a person with a disability.
  • Government incentives are only available on contributions made while the beneficiary is under the age of 50.

Did you know?

Unused grant and bond entitlements can be carried forward for up to 10 years.

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Ready to get started?

Our knowledgeable advisors are here to help you take the next step—whether you're opening a new account, planning for the future, or simply exploring your options. Let’s talk about what’s right for you.

Book your appointment
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*Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, mutual fund securities and cash balances are not insured nor guaranteed, their values change frequently and past performance may not be repeated.

Unless otherwise stated, mutual funds, other securities and cash balances are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions.