{"id":13620,"date":"2025-10-30T16:25:43","date_gmt":"2025-10-30T20:25:43","guid":{"rendered":"https:\/\/wellington-altus.ca\/?p=13620"},"modified":"2025-11-24T14:33:08","modified_gmt":"2025-11-24T19:33:08","slug":"the-ins-and-outs-of-rdsps-2","status":"publish","type":"post","link":"https:\/\/wellington-altus.ca\/fr\/the-ins-and-outs-of-rdsps-2\/","title":{"rendered":"Tout ce qu\u2019il y a \u00e0 savoir sur le REEI"},"content":{"rendered":"<p><a href=\"https:\/\/wellington-altus.ca\/wp-content\/uploads\/2025\/10\/AWPG_The_Ins_And_Outs_Of_RDSPs_10_2025_Final_EN.pdf\">En savoir plus ici.<\/a><\/p>\n\n\n\n<p>Le r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-invalidit\u00e9 (REEI) est un\ninstrument d\u2019\u00e9pargne \u00e0 l\u2019abri de l\u2019imp\u00f4t con\u00e7u pour aider les \nfamilles \u00e0 assurer la s\u00e9curit\u00e9 financi\u00e8re \u00e0 long terme d\u2019un \u00eatre \ncher handicap\u00e9<\/p>\n\n\n\n<p>Il offre plusieurs avantages importants :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Les actifs d\u2019un REEI n\u2019ont aucune incidence sur l\u2019admissibilit\u00e9 du b\u00e9n\u00e9ficiaire \u00e0 recevoir de l\u2019aide financi\u00e8re du gouvernement. Les paiements d\u2019un REEI peuvent avoir des r\u00e9percussions.<\/li>\n\n\n\n<li>Les actifs d\u2019un REEI fructifient en franchise d\u2019imp\u00f4t jusqu\u2019\u00e0 ce qu\u2019ils soient retir\u00e9s. Comme le revenu n\u2019est pas impos\u00e9 \u00e0 mesure qu\u2019il est gagn\u00e9, l\u2019effet de l\u2019\u00e9pargne compos\u00e9e peut \u00eatre important au fil du temps.<\/li>\n\n\n\n<li>Il donne acc\u00e8s \u00e0 des subventions gouvernementales, et \u00e9ventuellement \u00e0 des bons, jusqu\u2019\u00e0 la fin de l\u2019ann\u00e9e o\u00f9 le b\u00e9n\u00e9ficiaire atteint l\u2019\u00e2ge de 49 ans.<\/li>\n\n\n\n<li>Le roulement \u00e0 imp\u00f4t diff\u00e9r\u00e9 dans un REEI \u00e0 partir d\u2019autres r\u00e9gimes enregistr\u00e9s peut \u00eatre possible.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u00c9tablissement d\u2019un REEI et cotisations<br><\/h3>\n\n\n\n<p><em>Qui peut ouvrir un REEI?<\/em><\/p>\n\n\n\n<p>La personne qui ouvre le REEI devient le \u00ab titulaire du r\u00e9gime \u00bb. Pour un b\u00e9n\u00e9ficiaire mineur, il peut s\u2019agir d\u2019un parent, d\u2019une personne physique ou d\u2019un organisme public l\u00e9galement autoris\u00e9 \u00e0 agir en son nom.<\/p>\n\n\n\n<p>Les b\u00e9n\u00e9ficiaires adultes peuvent ouvrir eux-m\u00eames le REEI s\u2019ils sont aptes \u00e0 conclure un contrat. Si leur aptitude est mise en doute, un repr\u00e9sentant juridique peut ouvrir le REEI. \u00c9tant donn\u00e9 que la d\u00e9signation d\u2019un repr\u00e9sentant juridique peut prendre du temps, un \u00ab membre de la famille admissible \u00bb peut ouvrir un REEI pour le b\u00e9n\u00e9ficiaire en application d\u2019une mesure temporaire qui expire le 31 d\u00e9cembre 2026.<\/p>\n\n\n\n<p>Les \u00ab membres de la famille admissibles \u00bb comprennent les parents, conjoints, conjoints de fait et fr\u00e8res et soeurs s\u2019il n\u2019y a pas de repr\u00e9sentant juridique.<\/p>\n\n\n\n<p><strong>FAITS EN BREF<br>Contributions<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Non d\u00e9ductibles<\/li>\n\n\n\n<li>Allowed to the end of the year in which the beneficiary turns 59<\/li>\n\n\n\n<li>Annual limit: none<\/li>\n\n\n\n<li>Lifetime limit: $200,000<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>Subventions et bons :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le b\u00e9n\u00e9ficiaire doit avoir moins de 50 ans<\/li>\n\n\n\n<li>Plafonds de la SCEI :\n<ul class=\"wp-block-list\">\n<li>Annuel : 3 500 $<\/li>\n\n\n\n<li>\u00c0 vie : 70 000 $<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Plafonds du BCEI :\n<ul class=\"wp-block-list\">\n<li>Annuel : 1 000 $<\/li>\n\n\n\n<li>\u00c0 vie : 20 000 $<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Qui peut \u00eatre b\u00e9n\u00e9ficiaire d\u2019un REEI?<\/strong><\/p>\n\n\n\n<p>In order to be a beneficiary of an RDSP, the individual must:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Be eligible for the disability tax credit (DTC)<\/li>\n\n\n\n<li>Be a resident of Canada<\/li>\n\n\n\n<li>Have a valid social insurance number (SIN), and<\/li>\n\n\n\n<li>Be under the age of 60<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>A beneficiary can only have one RDSP open for their benefit at a time. This is unlike other registered accounts such as a TFSA or RRSP where an individual can have several accounts at different financial institutions.<\/p>\n\n\n\n<p><strong>Tout ce qu\u2019il y a \u00e0 savoir sur le REEI<\/strong><\/p>\n\n\n\n<p><strong><em>Quels sont les subventions et les bons offerts par le gouvernement?<\/em><\/strong><\/p>\n\n\n\n<p>L\u2019un des principaux avantages d\u2019un REEI est l\u2019acc\u00e8s \u00e0 la <strong>Subvention canadienne pour l\u2019\u00e9pargne-invalidit\u00e9 (SCEI)<\/strong> et, dans certains cas, au <strong>Canada Disability Savings Bond (CDSB).<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The CDSG is provided to a lifetime maximum $70,000 and is paid into the RDSP as a percentage (up to 300%) of contributions based on the adjusted family net income.2 For 2025, beneficiaries with adjusted family net income of up to $114,750 can access up to $3,500 in grants annually. Otherwise, the maximum annual grant is $1,000. <\/li>\n\n\n\n<li>The CDSB is provided to a lifetime maximum of $20,000. It is for low-income beneficiaries and does not require matching contributions. For 2025, beneficiaries with adjusted family net income of $37,487 or less are eligible for the full $1,000 bond. The annual bond amount is gradually reduced as income increases. No bond is paid where adjusted family income exceeds $57,375.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>The CDSG and CDSB can be received into an RDSP up to December 31 of the year in which the beneficiary turns 49. Before this age limit is reached, CDSG and CDSB can also be carried forward up to 10 years. This can be especially useful for newly opened RDSPs where the beneficiary has been eligible for the DTC for several years.<\/p>\n\n\n\n<p>For example, individuals affected by a disability, or their family, are often not aware that they are eligible for the DTC and can open an RDSP. Once an application is made, DTC eligibility will be retroactive to the date the impairment first began, and it is then generally possible to amend up to 10 years of tax returns to claim the DTC. A newly opened RDSP can generally include the accumulated grant and bond entitlements going back to the date the beneficiary was first eligible for the DTC.<\/p>\n\n\n\n<p><strong>Qui peut cotiser \u00e0 un REEI?<\/strong><\/p>\n\n\n\n<p>Toute personne, y compris le titulaire du r\u00e9gime et le\nb\u00e9n\u00e9ficiaire, peut cotiser \u00e0 un REEI si elle a la permission\ndu titulaire du r\u00e9gime. Toutefois, une fois qu'une cotisation a\n\u00e9t\u00e9 vers\u00e9e, elle ne peut \u00eatre ni restitu\u00e9e ni rembours\u00e9e. Les\nfonds deviennent r\u00e9serv\u00e9s au seul b\u00e9n\u00e9fice du b\u00e9n\u00e9ficiaire.<\/p>\n\n\n\n<p>There is a lifetime contribution limit of $200,000 per beneficiary. While there is no annual limit, contributions in excess of what is required to collect the annual CDSG maximum, utilize lifetime contribution room without generating additional grants. If the lifetime contribution limit is reached before the maximum lifetime CDSG has been paid, there will be no way to collect further grants. No contributions are permitted after December 31 of the year in which the beneficiary turns 59.<\/p>\n\n\n\n<p><strong><em>Qu\u2019arrive-t-il si le b\u00e9n\u00e9ficiaire perd son admissibilit\u00e9 au CIPH?<\/em><\/strong><\/p>\n\n\n\n<p>Le REEI peut demeurer ouvert et les avantages de report\nd\u2019imp\u00f4t peuvent \u00eatre maintenus \u00e0 la condition qu\u2019aucune\ncotisation ne soit vers\u00e9e, que les transferts \u00e0 partir de r\u00e9gimes\nenregistr\u00e9s de retraite aient lieu dans les quatre ans suivant la\nperte de l\u2019admissibilit\u00e9 au CIPH et que les subventions ou les\nbons ne puissent \u00eatre touch\u00e9s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Roulements<\/strong><\/h3>\n\n\n\n<p>RDSPs are somewhat unique in that they can receive funds from certain other registered plans on a rollover basis without triggering tax for the transferor. A detailed discussion of these rules is beyond the scope of this article. At a high level, three types of rollovers are possible if certain conditions are met:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Rollover of a deceased individual\u2019s RRSP or RRIF3 to an RDSP of a financially dependent child or grandchild.<\/li>\n\n\n\n<li>Transfert d\u2019un REEI \u00e0 un nouveau REEI pour le m\u00eame\nb\u00e9n\u00e9ficiaire.<\/li>\n\n\n\n<li>Rollover of certain amounts from a RESP to an RDSP for the same beneficiary.<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<p>Les montants du roulement ou du transfert sont des\ncotisations au REEI. Par cons\u00e9quent, aucun roulement n\u2019est possible si le b\u00e9n\u00e9ficiaire est \u00e2g\u00e9 de 60 ans ou plus. Les montants transf\u00e9r\u00e9s sont comptabilis\u00e9s dans le plafond de cotisation \u00e0 vie de 200 000 $.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Retraits du REEI<\/strong><\/h3>\n\n\n\n<p>Des retraits ponctuels d\u2019un REEI ou des<strong> paiements d\u2019aide \u00e0 l\u2019invalidit\u00e9 (PAI)<\/strong>peuvent \u00eatre effectu\u00e9s en tout temps si l\u2019\u00e9metteur du r\u00e9gime le permet. Les paiements annuels ou les <strong>paiements viagers pour l\u2019invalidit\u00e9 (PVI)<\/strong>, must be taken regularly starting in the year the beneficiary turns 60 and continue until the plan is terminated or the beneficiary dies. The annual amount that must be paid to the beneficiary depends on the accumulated value in the RDSP and the age of the beneficiary.<\/p>\n\n\n\n<p>Each payment from an RDSP consists of taxable amounts (grants, bonds, income earned on investments) and non-taxable amounts (contributions). <strong>One-time DAP withdrawals, RDSP closure or the death of a beneficiary within 10 years of any CDSG or CDSB payments to the RDSP can result in a repayment of those grants and bonds<\/strong> (appel\u00e9s \u00ab montant de retenue \u00bb). Il y a une exception si l\u2019esp\u00e9rance de vie du b\u00e9n\u00e9ficiaire est r\u00e9duite et que la partie imposable des retraits d\u2019une ann\u00e9e ne d\u00e9passe pas 10 000 $.<\/p>\n\n\n\n<p>Another key advantage of an RDSP is that there is no limitation on how the withdrawals are used by the beneficiary. Withdrawals do not impact federal benefits such as the Guaranteed Income Supplement (GIS), Old Age Security (OAS), the GST credit, the Canada Child Benefit, and the Canada Disability Benefit.<strong> Les prestations provinciales pourraient \u00eatre touch\u00e9es et devraient \u00eatre examin\u00e9es.<\/strong><\/p>\n\n\n\n<p>La planification des besoins financiers d\u2019une personne handicap\u00e9e exige un processus \u00e0 volets multiples comportant des consid\u00e9rations financi\u00e8res et non financi\u00e8res. Un REEI n\u2019est qu\u2019un \u00e9l\u00e9ment du plan viager, fiscal et successoral du b\u00e9n\u00e9ficiaire et de sa famille. Consultez votre conseiller Wellington-Altus pour obtenir de l\u2019aide afin d\u2019optimiser l\u2019utilisation d\u2019un REEI dans le cadre de votre plan de gestion du patrimoine global.<\/p>","protected":false},"excerpt":{"rendered":"<p>Le r\u00e9gime enregistr\u00e9 d\u2019\u00e9pargne-invalidit\u00e9 (REEI) est un\ninstrument d\u2019\u00e9pargne \u00e0 l\u2019abri de l\u2019imp\u00f4t con\u00e7u pour aider les \nfamilles \u00e0 assurer la s\u00e9curit\u00e9 financi\u00e8re \u00e0 long terme d\u2019un \u00eatre \ncher handicap\u00e9<\/p>","protected":false},"author":19,"featured_media":4038,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[60],"tags":[79],"class_list":["post-13620","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-wealth-planning","tag-english"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The Ins and Outs of RDSPs - Wellington-Altus<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wellington-altus.ca\/fr\/the-ins-and-outs-of-rdsps-2\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Ins and Outs of RDSPs - Wellington-Altus\" \/>\n<meta property=\"og:description\" content=\"A Registered Disability Savings Plan (RDSP) is a tax-sheltered savings vehicle designed to help families ensure the long-term financial security of a loved one affected by disability.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/wellington-altus.ca\/fr\/the-ins-and-outs-of-rdsps-2\/\" \/>\n<meta property=\"og:site_name\" content=\"Wellington-Altus\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-30T20:25:43+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-24T19:33:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/wellington-altus.ca\/wp-content\/uploads\/2021\/10\/WA-Featured-Image.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Akeem Foster\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Akeem Foster\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimation du temps de lecture\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/wellington-altus.ca\/the-ins-and-outs-of-rdsps-2\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/wellington-altus.ca\/the-ins-and-outs-of-rdsps-2\/\"},\"author\":{\"name\":\"Akeem Foster\",\"@id\":\"https:\/\/wellington-altus.ca\/#\/schema\/person\/1068fb4c7767dfcd8e6421a9669f96f6\"},\"headline\":\"The Ins and Outs of RDSPs\",\"datePublished\":\"2025-10-30T20:25:43+00:00\",\"dateModified\":\"2025-11-24T19:33:08+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/wellington-altus.ca\/the-ins-and-outs-of-rdsps-2\/\"},\"wordCount\":1227,\"publisher\":{\"@id\":\"https:\/\/wellington-altus.ca\/#organization\"},\"image\":{\"@id\":\"https:\/\/wellington-altus.ca\/the-ins-and-outs-of-rdsps-2\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/wellington-altus.ca\/wp-content\/uploads\/2021\/10\/WA-Featured-Image.png\",\"keywords\":[\"English\"],\"articleSection\":[\"Wealth Planning\"],\"inLanguage\":\"fr-CA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/wellington-altus.ca\/the-ins-and-outs-of-rdsps-2\/\",\"url\":\"https:\/\/wellington-altus.ca\/the-ins-and-outs-of-rdsps-2\/\",\"name\":\"The Ins and Outs of RDSPs - 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