Investing and Saving

ATB Wealth Registered Disability Savings Plan (RDSP) Reference Guide

Download the guide

Step-by-step guide to Registered Disability Savings Plans (RDSPs)


The Registered Disability Savings Plan (RDSP) is a long-term registered savings plan to assist people with disabilities save for their future financial security.

Whether you would like to register for an RDSP as a holder for someone else’s benefit, or for yourself as a beneficiary, the RDSP Reference Guide will walk you through the full process.

This guide is formatted so you can skip directly to specific sections of interest, or read from cover to cover, depending on your knowledge and prior experience with RDSPs. From opening a plan to closing it—and everything in between—the guide contains tables, examples and educational content exploring these, and many more, topics:

  • Requirements to become an RDSP beneficiary and account holder
  • How to apply for the Disability Tax Credit (DTC) and register for an RDSP
  • Contribution rules including contribution limits, age limits and eligible rollovers
  • How the Canada Disability Savings Grant and Bond are calculated and how to determine if you’re eligible
  • How and when you can receive payments from your RDSP and the tax implications of withdrawing money
  • How the funds in an RDSP are handled upon the death of a beneficiary
  • RDSP considerations for US persons and non-residents

Regardless of your level of experience with saving for the future, we hope you take away something new from this free, downloadable PDF.

Please note that this guide is not a replacement for professional financial advice tailored to your unique situation. Rather, it is intended to equip you with the knowledge required to get started saving and making the most of a Registered Disability Savings Plan today.

The ATB Wealth RDSP Reference Guide

Everything you need to know about RDSPs in Alberta

ATB Wealth experts are ready to listen.

Whether you're a beginner or an experienced investor, we can help.

Chat now
ATB Virtual Assistant
The ATB Virtual Assistant doesn't support landscape mode. Please tilt your device vertically to portrait mode.