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Registered Disability Savings Plan注册残疾储蓄计划（RDSP）
An RDSP is a long-term savings plan for Canadians who qualify for the Disability Tax Credit. The Government of Canada can add up to $90,000 in grants and bonds over the beneficiary's lifetime, and the savings grow tax-deferred.RDSP 是为合资格领取残疾税务抵免（DTC）的加拿大人而设的长期储蓄计划。加拿大政府在受益人一生中可额外存入最多 $90,000 的补助金和债券，而且储蓄可延税增长。
Who Qualifies申请资格
Parents, guardians or the person with a disability can open a plan, as long as the beneficiary meets these conditions.只要受益人符合以下条件，父母、监护人或残疾人士本人都可以开设计划。
Government Grants & Bonds政府补助金与债券
The amount depends on family income. These are the 2026 rules, based on 2024 family income.金额取决于家庭收入而定。以下是 2026 年的规则，以 2024 年的家庭收入计算。
With family income of $117,045 or less, the government adds $3 for each $1 on the first $500 you contribute, and $2 for each $1 on the next $1,000. Contribute $1,500 to receive the full $3,500 for the year. Above that income, it matches $1 for $1 on up to $1,000.家庭收入 $117,045 或以下：首 $500 供款，政府每 $1 加 $3；其后 $1,000，每 $1 加 $2。每年供款 $1,500，即可获全额 $3,500。收入高于此数，政府以 $1 对 $1 配对，最多 $1,000。
Families with income of $38,237 or less receive $1,000 a year without contributing anything. A partial bond is paid up to $58,523.家庭收入 $38,237 或以下，无需任何供款，每年可获 $1,000。收入在 $58,523 以下，可获部分债券。
Unused grant and bond entitlements can be carried forward up to 10 years. Catching up on grants needs contributions and is capped at $10,500 a year; bonds for past years are paid automatically.未用的补助金和债券额度可追溯最多 10 年。补领补助金需要供款，每年上限 $10,500；过往年度的债券则会自动发放。
Investment growth isn't taxed while it stays in the plan. RDSP savings don't affect federal benefits, and in BC they're exempt for disability assistance.投资增长留在计划内时不用交税。RDSP 储蓄不影响联邦福利；在 BC 省，也不影响残疾援助（disability assistance）。
Figures from the Government of Canada and may change each year.数字来自加拿大政府，每年可能有所调整。
How We Help我们怎样帮你
Walk you through who qualifies and what the Disability Tax Credit application involves.为你讲解谁符合资格，以及申请残疾税务抵免的流程。
Plan contributions to capture as much grant as possible, including catch-up years.规划供款，尽量取得最多的补助金，包括补领过往年度。
Choose suitable investments and time withdrawals around the 10-year rule.选择合适的投资，并按 10 年规则安排提款时间。
Coordinate the RDSP with your will, including rolling RRSP/RRIF savings into a dependant's RDSP at death.把 RDSP 与你的遗嘱配合，包括身故时把 RRSP／RRIF 转入受供养子女的 RDSP。
Questions常见问题
Don't see your question here? Ask us directly.找不到你的问题？欢迎直接问我们。 admin@vkwealthmanagement.ca
The grant matches your contributions, so you need to contribute to receive it. The bond is paid to lower-income families without any contribution.补助金按你的供款配对，所以需要供款才可获得。债券则发给低收入家庭，无需供款。
Grants and bonds received in the 10 years before a withdrawal may have to be repaid if money is taken out before age 60, and must be repaid if the plan is closed. That's why the timing of withdrawals matters.如果在 60 岁前提款，过去 10 年收到的补助金和债券可能需要退还；如果结束计划，则必须退还。所以提款时间很重要。
Federal benefits such as the Canada Child Benefit, GST/HST credit and Old Age Security are not affected. In BC, RDSP savings and payments are exempt for disability assistance.加拿大儿童福利金、GST/HST 抵免和 OAS 等联邦福利不受影响。在 BC 省，RDSP 的储蓄和提款也不影响残疾援助。
Your own contributions come out tax-free. Grants, bonds and investment growth are taxable income for the beneficiary when withdrawn.你自己的供款部分提取时不用交税；补助金、债券和投资增长在提取时，会计入受益人的应课税收入。
Book a consultation to check eligibility, open an RDSP and build a contribution plan.预约咨询，了解资格、开设 RDSP，并制定供款计划。