Investing

Disability 

People with disabilities can hold ATB mutual funds within an RDSP—a registered plan combining contributions with government grants and bonds

Grow an RDSP to benefit you or a disabled loved one.

Choose your investments

Choose one of six pre-assembled Compass portfolios, or build a custom mutual funds portfolio with assistance from one of our experts.

Benefit from tax perks

​Contributions you make to investments are immediately tax deductible. The beneficiary will pay applicable income tax as funds are withdrawn.

Enjoy government subsidies

The Canada Disability Savings Bond will contribute funds (up to $1,000 annually) to your RDSP, based on the beneficiary's family income.

Find the RDSP investment that's right for you.

Frequently Asked Questions

Assets and income from an RDSP will not affect your ability to receive government disability benefits.

The government of Canada (through the CDSB) will deposit money into the RDSP of low-income individuals until the end of the year the beneficiary turns 49, regardless of whether contributions are made to the RDSP. Once the plan has been opened, the maximum payment is $1,000 annually, to a lifetime maximum of $20,000.

The holder of an RDSP can be:

  • A person with a disability who has reached the age of majority and has the legal capacity to manage their own finances.
  • A qualifying family member of a person with a disability who is of the age of majority but whose contractual competency is in doubt.
  • A legal parent or legal representative of a child with a disability who has not attained the age of majority.

A plan holder is free to authorize other people to contribute to the RDSP.

Beneficiaries of an RDSP must:

  • Be eligible for the Disability Tax Credit (DTC) as defined in the Income Tax Act (Canada).
  • Have a Social Insurance Number (SIN).
  • Have filed tax returns for the previous two years in order to achieve the best possible grant and bond contribution. In the case that the beneficiary is a minor, the tax returns of the primary caregiver are used.
  • Be a resident of Canada when the plan is opened and when each contribution is made.
  • Be under age 60 when the plan is opened, since contributions cannot be accepted after the end of the year the beneficiary turns 59.

Yes. You can only contribute to an RDSP until the end of the year the beneficiary turns 59.

The CDSB only makes contributions to RDSPs that are not otherwise being contributed to until the end of the year the beneficiary turns 49.

The year the beneficiary turns 60, regular withdrawals in the form of disability assistance payments (DAPs) must be made, though the remaining balance may stay invested.

Need help?

Our Client Care team will be happy to assist.