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What is an RDSP?
A Registered Disability Savings Plan (RDSP) is a long-term savings plan that helps a person with a disability save for the future. It is registered with the Canada Revenue Agency (CRA), and money grows inside it without yearly tax. The federal government may also add money to it through grants and bonds.
Who can have one
In general, a Canadian resident who is approved for the Disability Tax Credit can have an RDSP. The CRA and the Government of Canada set the current conditions, so check their pages for the latest details.
Where to start
AplusWealth does not open, manage or sell RDSPs. A good place to start is your bank or credit union, or the CRA page listed under Sources, which has the current grant, bond and contribution numbers.
Questions
What is an RDSP?
A Registered Disability Savings Plan (RDSP) is a registered savings plan for a person with a disability. Money grows inside it without yearly tax, and the federal government may add grants and bonds. For current rules and numbers, see the CRA guide and the Government of Canada RDSP page listed under Sources.
Who can have an RDSP?
In general, a Canadian resident who is approved for the Disability Tax Credit can have one. The CRA and the Government of Canada list the current conditions, so check their pages before you apply.
Does AplusWealth arrange RDSPs?
No. AplusWealth does not open, manage or sell RDSPs. A good place to start is your bank or credit union, or the CRA page listed under Sources.
Sources
- CRA, RC4460 Registered Disability Savings Plan. As of November 2026.
- Government of Canada, Registered Disability Savings Plan. As of November 2026.
Education only, not advice. This page explains how these accounts and products generally work in Canada. Terms are set by the law and by the contract with the company that issues them. For advice on your own situation, talk with a licensed advisor, a tax professional or a lawyer.
