You do not have to save to get the bond!

The Canada Disability Savings Bond is one way that the federal government will put money into your RDSP. If your net income is less than $26,364 per year, the federal government will put $1,000 into your RDSP each year. If you are younger than 18, then it is your family income that counts.

If your net income is between, $26,364 and $45,282, the government will put a portion of $1000 into your account.

The maximum amount that the federal government will invest in your RDSP in your lifetime is $20,000. You have to be 49 or younger to get the bond.

Note: If you want to get the bond, you have to file your income taxes for the past two years. If you are younger than 18, then your family has to file their income taxes.