If You're Saving for Retirement · 🇨🇦 Canada

RDSP Assistance Holdback Rule — Avoid Triggering a Big Grant and Bond Clawback

Difficulty Hard Applies To All Provinces & Territories Last Updated 2026-04-03

RDSP Assistance Holdback Rule — Avoid Triggering a Big Grant and Bond Clawback

What Is It?

RDSP withdrawals can trigger repayment of Canada Disability Savings Grants and Bonds paid into the plan in the prior 10 years under the assistance holdback amount rules.

What Most People Don’t Know

  • A small withdrawal can destroy much more value than people expect.
  • Timing is the key planning variable.
  • The last 10 years of government contributions matter.

Sources