Self-Directed Registered Disability Savings Plan (RDSP)

Build a strong portfolio for a stronger future


Account Highlights

Take control of investing for future financial needs, including medical and living costs. Your beneficiary can take advantage of potential investment growth with tax deferral opportunities.

  1. No annual contribution limit
    Contributions, up to a lifetime limit of $200,000, are made with after-tax dollars and are not tax-deductible.

  2. Defer taxes while growing your investments
    Any investment income is tax-deferred.

  3. You may be eligible for government assistance
    Qualified families may receive up to $70,000 in Canada Disability Savings Grants and up to $20,000 in Canada Disability Savings Bonds paid to your plan.

Where to invest for self-directed RDSP growth

  1. Stocks
    Trade on Canadian and US markets, including TSX, NASDAQ, and NYSE.

  2. Mutual Funds
    Invest in Canadian and US mutual funds, including D-Series and TD e-Series Funds®

  3. ETFs
    Equity, bond or commodity exchange-traded funds.

  1. Options
    Eligible options include long calls, puts and covered calls.

  2. Fixed Income
    Selected investments include bonds and other fixed-income products.

  3. GICs
    Secure investments that promise a defined amount at the end of their term.


Open an account online – it's fast and easy

Whether you're new to self-directed investing or an experienced trader, we welcome you.

  • Apply online

    It's easy to open a cash, margin, RSP, or TFSA account.

  • Call us

    We're here for you. Monday to Friday, 7 am to 8 pm ET

    1-800-465-5463 1-800-465-5463
  • Book an appointment

    Let's chat, face-to-face at a TD location convenient to you.


Have a question? Find answers here