My 2020 RDSP Report Card

The rate of return for my son’s Registered Disability Savings Plan (RDSP) for 2020 was 11.9%. The average annual return since 2013 was 8%.

Why should you care?

My aim is to show that someone with minimal investment skills can set up a Couch Potato investment plan and reap the rewards.

Once a year, I deposit my contribution. Two months later, the government adds their contribution. I then re-balance the account to match the TD Couch Potato portfolio which takes all of 10 minutes. At that point, I ignore the account for the next year.

My account is with TD Direct Investing which is one of the few that offers investments of your choice. Other banks may restrict you to their in-house investments which may not be a great deal.

In my case, I use the TD E-funds which have relatively low MERs and I strictly follow the Canadian Couch Potato TD balanced portfolio.

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