Unlocking the RDSP: Self-Directed ETF Portfolios vs. High-Fee Bank Accounts

For Canadians approved for the Disability Tax Credit (DTC) and their family caregivers, the Registered Disability Savings Plan (RDSP) offers unmatched wealth-building potential. Between matching Canada Disability Savings Grants (CDSG)—which deliver up to $3,500 annually ($70,000 lifetime limit)—and Canada Disability Savings Bonds (CDSB) for low-to-modest-income households, the federal government provides substantial capital incentives. However, where you open your RDSP can significantly impact