Innovation investments

People with disabilities and their families face financial challenges throughout their lives. A Registered Disability Savings Plan (RDSP) provides you with assisted long-term savings and tax-deferred investment growth.


  • A Canadian resident
  • Under the age of 60
  • Eligible for the Disability Tax Credit (DTC)
  • Have a valid SIN

Anyone can make a contribution to an RDSP with the holder's written consent. Contributions are not tax-deductible but the earnings on contributions grow tax free while held in the RDSP.

There is no annual contribution limit. The maximum lifetime contribution is $200,000 and contributions must stop by the end of the year the beneficiary reaches age 59.

In addition to RDSPs, the government also offers savings grants and savings bonds. Be sure to ask us for details.

To learn more or to start an RDSP, you can:

Investments require a minimum deposit of $1,000. Minimum investment of $1,000. Interest is earned in the currency of the account and calculated on a per annum basis. Rates are subject to change without notice. Interest rates are annual interest rates. Interest is calculated daily on the closing credit balance. If term is withdrawn in full, the accrued interest is paid in full based on prior day's amount. If partial withdrawals are processed, there is no payment of accrued interest as it's paid according to the original terms. Interest for products can either be paid to a separate account or added to the principal on each anniversary date and at maturity.

VirtualWealth is a trade name of Credential Qtrade Securities Inc., Member of the Canadian Investor Protection Fund.

Apply Now