RDSPlan

02/27/2026

Alberta’s 2026 Budget has been released. Income tax rates remain unchanged, but there are updates that affect families and business owners, including a new Alberta Caregiver Credit for 2027, a 6% vehicle rental tax beginning in 2027, an increase to the tourism levy, and higher education property tax rates.

Alberta’s 2026 Budget maintains current income tax rates but introduces new levies and higher education property taxes. Here is a clear summary of the key measures affecting families, business owners, and taxpayers.

02/26/2026

If you’re unsure where to start with the RDSP, you’re not alone. Many Canadians find the eligibility, contribution rules, and grant calculations confusing. That’s why support services and resources exist to walk you through the process step by step. Don’t let uncertainty delay your savings. Start with a quick eligibility check and go from there.

02/24/2026

It’s important to review your RDSP annually to ensure contributions, grants, and bonds are on track. Life changes, such as a new job, a change in income, or guardianship updates, may affect eligibility. A yearly check-in keeps your account aligned with your goals and ensures no grant opportunities are missed. Schedule a yearly RDSP review and keep your savings strategy strong.

02/19/2026

Understanding how to structure RDSP withdrawals is key to maximizing your savings. After age 60, Lifetime Disability Assistance Payments (LDAPs) begin and provide a predictable income based on the value of your plan. You can also request additional withdrawals when needed, called Disability Assistance Payments (DAPs). Plan now for how and when you’ll access your RDSP funds to meet your long-term needs.

02/17/2026

For Canadians managing a disability, the RDSP offers a rare opportunity to save long-term without reducing government benefits. Unlike many other savings plans, RDSP funds are not counted as income or assets for most federal and provincial assistance programs. This means you can build a safety net without jeopardizing your existing support. Protect your benefits while growing your future by opening your RDSP now.

02/12/2026

An RDSP can play a valuable role in intergenerational financial planning. Grandparents can contribute to the plan and help secure a better future for their grandchildren living with a disability. Contributions are non-deductible but grow tax-deferred and receive matching grants. Talk with your family about how everyone can contribute to the RDSP today.

02/10/2026

You can contribute to an RDSP until December 31 of the year the beneficiary turns 59. This gives plenty of time to make a contribution plan that works for your situation. Prioritize earlier contributions to make the most of matching grants, which stop at age 49. Use your timeline wisely and start building your RDSP today.

02/05/2026

Government bonds in the RDSP are income-tested and designed to support low-income Canadians. These bonds are deposited automatically when eligibility is confirmed, providing up to $1,000 annually. No contributions are required to receive the bond, making the RDSP accessible even if saving is difficult. Don’t miss out, open your RDSP to start receiving automatic bond support.

02/03/2026

You don’t need to contribute every year to keep your RDSP open. Even in years when contributions aren’t possible, your plan continues to hold its value and may still qualify for bonds. This means you can pause without penalty and resume when finances allow. Keep your plan active and contribute when you’re ready.

02/03/2026

Discover how the Registered Disability Savings Plan (RDSP) offers long-term financial security for individuals with disabilities. Maximize savings with tax-deferred growth and government contributions.

Secure the future for loved ones with disabilities through the Registered Disability Savings Plan (RDSP). Take advantage of tax-deferred growth and generous government contributions to build long-term financial security. Learn how the RDSP can be a powerful tool for your family's financial planning.

01/29/2026

An RDSP is more than a savings account, it’s a long-term tool for financial security. Designed with flexibility, matching grants, and bond support, it can help families plan for the future without worry. Withdrawing at the right time protects the value of your savings and maximizes government support. Make your plan today and start building toward greater peace of mind.

01/28/2026

🇨🇦 Bank of Canada keeps interest rate at 2.25%
The Bank of Canada today held its overnight policy interest rate at 2.25%, reflecting its view that the current level continues to support stable inflation and a modest economic outlook. The Bank noted that global and U.S. trade uncertainty—and the ongoing adjustment to tariffs—are key risks that make future rate moves difficult to predict.

Inflation remains near the Bank’s 2 % target, and the decision signals a cautious approach as Canada’s economy adapts to changing conditions.

🔗 Full Bank of Canada announcement: https://www.bankofcanada.ca/2026/01/fad-press-release-2026-01-28/