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.

  • No annual contribution limit
    Contributions, up to a lifetime limit of $200,000, are made with after-tax dollars and are not tax-deductible.
  • Defer taxes while growing your investments
    Any investment income is tax-deferred.
  • 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

  • Stocks
    Trade on North American markets, including TSX, NASDAQ, and NYSE.
  • Mutual Funds
    Invest in North American mutual funds, including D-Series and TD e-Series Funds®
  • ETFs
    Equity, bond or commodity exchange-traded funds.
  • Options
    Eligible options include long calls, puts and covered calls.
  • Fixed Income
    Bonds, GICs, and term deposits for security and a steady income.


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