Navigating the RDSP: A Comprehensive Guide for Canadians with Disabilities

Investing can be a daunting task, especially if you don’t have a lot of experience with it. It’s important to understand the different types of investments available and how they might benefit you - or not. One popular option for Canadians is the Registered Disability Savings Plan (RDSP). With an RDSP, Canadians with disabilities can save money in a tax-deferred account and receive matching funds from the Canadian government.


When opening an RDSP account, TD web broker is often one of the top choices as it allows for self directed investing accounts. This means that investors are able to purchase any stock or exchange-traded fund (ETF) without being limited to only those issued in Canada. However, TD does charge a $10 commission fee per trade so it is recommended to keep things simple and invest in something like VEQT which is a global ETF.

It’s also important to know that when investing in an RDSP account, capital losses cannot be claimed on your income tax return; this means that if you decide to sell non-registered investments and claim losses later on, you must contribute cash into your Tax Free Savings Account (TFSA) first before buying different investments within that same TFSA account - otherwise your losses cannot be claimed!

A great way for investors looking for global diversification without having to tinker too much with their portfolio is VGRO – Vanguard’s All-in-One ETF which includes over 30 000 stocks and bonds from around the world all wrapped up into one single fund! If you want more exposure to global stocks than what VGRO provides then selling VCN & VFV and buying more VGRO would be wise move instead of mixing all three together – as this makes very little sense.

At the end of the day however, no matter what investment options are made available or recommended by others online – always do research first so that you understand exactly what it entails before jumping on board! Investing isn’t just about making money; it’s also about understanding how certain products work together in order create balance within one’s financial portfolio - something I’m sure we’d all like some extra help understanding better these days!

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