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*Based on the Government of Canada’s RDSP net family household income threshold for that year. Go to the federal government RDSP site to confirm the income threshold for the current year.

**Up to the age of 18, household income threshold is based on parent’s income. At 19, household income becomes based on the earnings of the beneficiary.

***Assumes a moderate gain of 5% with no withdrawals before the age of 60. For illustrative purposed only. All figures have been rounded.