RDSPs allow funds to be invested on a tax-deferred basis until withdrawn and contributions to an RDSP may further be eligible for a federal grant (up to $3,500 per year). Low income families will also have access to a federal bond ($1,000 per year).

How much can I invest?

There is a $200,000 beneficiary lifetime contribution limit but there is no annual limit on contributions.

Based on net family income, contributions to the plan may also be eligible for Government of Canada assistance in the form of a Canada Disability Savings Grant (CDSG) and a Canada Disability Savings Bond (CDSB).

CIBC DSP investment choices:

CIBC Mutual Funds

Broad selection of mutual funds including savings, income and growth funds.

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CIBC Managed Portfolio Services

All-in-one investment selection that assists you by researching, monitoring and rebalancing your portfolio.

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CIBC Everyday® Chequing Account with RDSP monthly fee waiver

On the CIBC Everyday Chequing Account, the monthly fee is waived and online cheque viewing is free for eligible RDSP beneficiaries. Terms and conditions apply. For details, visit your branch or call Telephone Banking at 1-800-465-2422.

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