RDSPlan

02/03/2026

You don’t need to contribute every year to keep your RDSP open. Even in years when contributions aren’t possible, your plan continues to hold its value and may still qualify for bonds. This means you can pause without penalty and resume when finances allow. Keep your plan active and contribute when you’re ready.

02/03/2026

Discover how the Registered Disability Savings Plan (RDSP) offers long-term financial security for individuals with disabilities. Maximize savings with tax-deferred growth and government contributions.

Secure the future for loved ones with disabilities through the Registered Disability Savings Plan (RDSP). Take advantage of tax-deferred growth and generous government contributions to build long-term financial security. Learn how the RDSP can be a powerful tool for your family's financial planning.

01/29/2026

An RDSP is more than a savings account, it’s a long-term tool for financial security. Designed with flexibility, matching grants, and bond support, it can help families plan for the future without worry. Withdrawing at the right time protects the value of your savings and maximizes government support. Make your plan today and start building toward greater peace of mind.

01/28/2026

🇨🇦 Bank of Canada keeps interest rate at 2.25%
The Bank of Canada today held its overnight policy interest rate at 2.25%, reflecting its view that the current level continues to support stable inflation and a modest economic outlook. The Bank noted that global and U.S. trade uncertainty—and the ongoing adjustment to tariffs—are key risks that make future rate moves difficult to predict.

Inflation remains near the Bank’s 2 % target, and the decision signals a cautious approach as Canada’s economy adapts to changing conditions.

🔗 Full Bank of Canada announcement: https://www.bankofcanada.ca/2026/01/fad-press-release-2026-01-28/

01/27/2026

The investment growth within an RDSP is not taxed until it’s withdrawn, allowing your contributions and government support to grow faster. This gives your funds more time to accumulate value, especially with compounding interest. Choose investment options that suit your comfort level and financial goals. Make your money work harder by opening your RDSP today.

01/22/2026

RDSPs are not just for children or young adults. Adults who meet eligibility criteria and qualify for the Disability Tax Credit can open a plan at any age before 60. If you’ve recently qualified for the DTC, now is the time to act. Explore the benefits available to adults and start growing your savings today.

01/20/2026

If your income changes, your RDSP grant and bond eligibility can adjust accordingly. This makes the plan responsive to life events like job changes, family size updates, or periods of unemployment.

Each February, ESDC mails out a notice outlining your annual RDSP grant and bond entitlement based on your income information. Reviewing this notice helps you understand what support may be available and whether contributions could trigger additional grants.

Keep your account active and take full advantage of support as your circumstances change.

01/15/2026

The RDSP offers one of the most effective ways for Canadians with disabilities to secure future income without risk to current benefits. Unlike other savings tools, the RDSP is designed to complement provincial and federal assistance programs. Funds withdrawn are partly taxable, but contributions can be made without affecting other supports. Use this plan to your advantage and start contributing today.

01/13/2026

You don’t have to manage your RDSP alone. Trusted individuals like parents, guardians, or legal representatives can act as plan holders for those who need support. This is especially important for beneficiaries who may lack the capacity to manage financial accounts. Discuss roles and responsibilities with your family and open your RDSP with support in place.

01/08/2026

You can only have one RDSP per beneficiary, but you can switch institutions if you find a better fit. Transferring your RDSP won’t affect your grants or bonds, as long as the process follows CRA guidelines. This allows flexibility over time without starting from scratch. Explore your RDSP options and make a move if it benefits your future.

01/06/2026

If you became eligible for the Disability Tax Credit in previous years but haven’t opened an RDSP, you may be entitled to retroactive contributions. The carry-forward rules mean you could receive up to 10 years of missed grants and bonds. That could equal thousands in government support. Find out how much you could claim and make your first RDSP contribution now.

01/03/2026

Make 2026 your most organized year yet with our guide to key financial dates and deadlines. From tax filings to benefit payments and investment opportunities, this resource keeps you one step ahead.

📌 Check out the full guide and take control of your financial milestones today!

Managing your finances effectively begins with staying informed about important dates and deadlines throughout the year. This comprehensive guide outlines key financial milestones, including tax deadlines, benefit payment schedules, and contribution opportunities, to help you stay organized and on t...