Families have asked about the ability to rollover an Registered Education Savings Plan to a Registered Disability Savings Plan almost since the RDSP was launched.  I’ve always assumed that it made sense to create such a provision.  Today I crunched a few numbers to better understand the implications of closing up an RESP and opening an RDSP as a first step to designing a rollover mechanism to propose to the federal government.  My analysis was surprising – there is almost nothing lost in closing an RESP and opening an RDSP – so why would we want a rollover mechanism?

You can find my analysis here.

I’m very interested in your thoughts.  Do we need a rollover mechanism?