RDSP – Registered Disability Savings Plan

Building a Lifetime of Financial Security and Sovereignty

Features & Options

The RDSP is arguably the most powerful wealth-building tool in Canada. Designed to ensure long-term financial independence for individuals with disabilities, it offers up to $3 for every $1 you contribute. At Peasant Finance, we help you integrate this plan into your broader estate and property strategy.

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Canada Disability Savings Grant (CDSG)

Up to $3,500 annually; 300% match on the first $500.

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Canada Disabilities Savings Bond (CDSB)

Up to $1,000/year for low-income families – no contribution required.

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Carry Forward Room

You can catch up on up to 10 years of unused grants and bonds.

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No Annual Contribution Limit

Only a lifetime limit of $200,000.

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Long Term Horizon

Funds must stay in the plan for 10 years after the last grant to avoid “clawbacks”.

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Vesting Period

Designed for long-term security, not short-term savings.

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Tax Sheltered Growth

Much like TFSA/RRSP, gains grow tax-free until withdrawal.

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Asset Test Exempt

RDSP income and assets do not impact ODSP (Ontario Disability Support Program eligibility)

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Peasant Finance Strategy

Using rental cash flow to trigger the maximum $3,500 annual grant.

See the math in action with our RDSP Performance Pro Calculator below

Disclaimer: The financial calculators provided on this website is for informational and educational purposes only. While we strive to ensure that the calculations and information provided by the tool are accurate and up-to-date, we do not guarantee the correctness or reliability of the results. Use of this calculator is at your own risk, and it is your responsibility to verify the accuracy of any calculations and consult with a qualified professional where necessary. We assume no liability for any errors, omissions, or outcomes resulting from the use of this calculator.

RDSP Performance Pro - Peasant Finance

RDSP Lifetime Security Projector

Maximum Matching & Bond Projections (2026 Data)

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The Fiefdom Legacy: Portfolio Transition Checklist

Integrating Real Estate Assets with the RDSP & Henson Trust

This checklist outlines the critical steps to ensuring your rental portfolio supports your family’s future without jeopardizing government support (ODSP).

Phase 1: Discovery & Assessment

  • [ ] Verify Disability Tax Credit (DTC) Eligibility: Ensure the beneficiary has an approved DTC on file with the CRA. This is the mandatory first step for opening an RDSP.

  • [ ] Inventory the “Fiefdom”: List all properties, current equity, and monthly net cash flow. Identify which properties are intended for long-term hold versus eventual sale.

  • [ ] Identify the “Funding Gap”: Determine the annual contribution needed to trigger the maximum $3,500 in CDSG grants and $1,000 in Bonds.

Phase 2: Structural Foundation

  • [ ] Open the RDSP Account: Establish the account with a financial institution that allows for self-directed investing (to match the growth trajectory of your real estate).

  • [ ] Draft/Update the “Henson Trust” Will: Consult with a specialized lawyer to ensure your Will includes absolute discretionary powers for the trustees, protecting assets from ODSP clawbacks.

  • [ ] Coordinate with ODSP: Ensure all existing assets are structured so they remain “exempt” under Ontario Ministry guidelines.

Phase 4: Long-Term Governance

  • [ ] The 10-Year Rule Monitor: Track the “LDATW” (Lesser of Debt and Taxable Withdrawal) to ensure no grants are clawed back due to early withdrawals.

  • [ ] Annual Portfolio Review: Re-evaluate rental yields and adjust RDSP contributions based on the latest government thresholds and family income changes.

Phase 3: Operational Integration

  • [ ] Automate the “Wealth Bridge”: Set up a recurring monthly transfer from your Rental Business Account directly into the RDSP. Even $125/month can trigger significant matching depending on income levels.

  • [ ] Define Property Management Succession: If a property is held in a Henson Trust, who will manage it? (This is where your property management team ensures long-term continuity).

  • [ ] Review Beneficiary Designations: Ensure all insurance policies and registered accounts (RRSP/TFSA) name the RDSP or Henson Trust as the successor, not the individual directly.

The Strategic Intersection: RDSPs & Real Estate Portfolios

For a landlord, a rental property is more than a building; it is a Wealth Generator. When combined with a Registered Disability Savings Plan (RDSP), it becomes a Protective Fortress for a beneficiary with a disability.

1. Funding the RDSP with “Fiefdom” Cash Flow

The biggest challenge for many RDSP holders is finding the cash to maximize government grants. As a property owner, you have a unique advantage:

  • The 300% Match Strategy: You can use a small portion of your monthly rental income—just $42 a month ($500/year)—to trigger a $1,500 government grant.

  • Direct-to-RDSP Contributions: By directing a portion of your “Peasant Finance” rental profits into the RDSP, you are effectively turning tenant rent into a 3:1 government-matched legacy.

2. Protecting the Inheritance: RDSPs vs. Henson Trusts

A major concern for landlords is what happens when they pass a multi-property portfolio to a child on ODSP (Ontario Disability Support Program).

  • The Problem: Standard inheritances often disqualify individuals from ODSP if they exceed asset limits.

  • The Solution: In Ontario, RDSP assets are fully exempt and do not affect ODSP eligibility.

  • The Master Plan: For portfolios exceeding the $200,000 RDSP lifetime limit, we recommend a “dual-track” strategy using a Henson Trust.

    • The RDSP holds the first $200,000 for maximum government matching.

    • The Henson Trust holds the remaining properties or capital, providing “absolute discretion” to trustees to support the beneficiary without triggering ODSP clawbacks.

3. Strategic Advantages for the Ontario Landlord

  • ODSP Income Exemption: Unlike rental income earned directly by an ODSP recipient (which is partially clawed back), payments made from an RDSP are generally exempt and do not reduce monthly ODSP support.

  • Generational Housing: A Henson Trust can be used to hold a rental property where the beneficiary lives as a principal residence, providing them with stable housing while the other units in the building provide income to fund their life.

  • Tax-Deferred Transfer: If a parent or grandparent is a landlord, they can often direct in their Will that certain funds be rolled over into the RDSP to protect the beneficiary’s future.

The Peasant Finance Advantage: “We don’t just manage your properties; we help you build a bridge between your real estate success and your family’s long-term security. Let’s ensure your hard-earned ‘fiefdom’ serves your loved ones for a lifetime.”

“Independence is a heady draught, and if you drink it in your youth, it can have the same effect on you as young wine.”

– Maya Angelou