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Get the most out of your RDSP
Benefits
How you'll benefit
A Registered Disability Savings Plan (RDSP) is a tax-sheltered savings plan to help provide for the long term financial security of Canadians who are eligible for the Disability Tax Credit (DTC).
Features and benefits of an RDSP:
- Grow all investments tax-free
- Establish financial security
- Help reduce the financial demands that you face
Note: Getting your own money back is tax-free, however, withdrawing 1) bonds and 2) grants and investment growth is taxed.
Understand RDSPs
Criteria for Eligibility
To be eligible for the RDSP, you must be:
- eligible for the Disability Tax Credit (DTC),
- a resident of Canada,
- under 60 years old, and
- have a social security number.
In addition, a doctor or nurse practitioner must verify a severe and prolonged impairement to physical or mental functions.
Take advantage
Earn more money
Have your contibutions matched by 300%, 200% or 100% with the Canadian Disability Savings Grant (CDSG).
Take advantage of the Canadian Disability Savings Bond (CDSB) and recieve up to $1000 a year, depending on the Beneficiary's adjusted family net income.
Tools & Resources
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Youth Accounts
Our youth accounts meet the needs of our youngest members through to active teens.
Grants, Funds, & Scholarships
We offer multiple scholarships and bursaries to schools throughout the Shuswap.
Community
We are proud to be the Shuswap’s financial institution. We strive to make our communities better each and every day.
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