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  • An RDSP allows you to save money for the future, without paying tax on the earnings. 

  • The federal government will contribute as much as $90,000 to your account.
    • Contributions can be matched, based on family net income, with up to $3,500 a year in CDSG and up to $1,000 a year in CDSB.

  • Anyone can contribute to an RDSP with the written consent of the account holder.

  • If you have a low income and cannot invest yourself, the government will still save for you.

  • An RDSP will not affect your disability benefit.

  • There are no restrictions - you can spend the money on anything you choose.

  • When you close an RDSP, the contributions and investments gained are yours. 

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