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GTA & Vancouver Home Sales Fell Again in August — What RBC's "Recovery" Call Actually Means for You

  September 6, 2026  •  Canadian Money Brief Fresh numbers out this week from the Toronto Regional Real Estate Board (TRREB) and Greater Vancouver Realtors (GVR) confirm what a lot of GTA and Metro Vancouver households already feel in their bones: the country's two biggest, most expensive housing markets are still shrinking on paper, even as the Bank of Canada holds rates and the trade war eats into everyone's confidence. At the same time, RBC Economics dropped a report calling this a market that's "finally taking steps" toward recovery. Those two things sound contradictory. They're not — but the gap between them is exactly where you need to be paying attention, whether you're a first-time buyer, a seller sitting on a listing, or a landlord watching your renewal math. What It Means for You: Prices are still down year-over-year in both cities, but the underlying supply picture — fewer new listings, tighter inventory — is the thing actually shifting. That...
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RDSP: A Complex Pathway to Long-Term Security

 


The Registered Disability Savings Plan (RDSP) is often described as one of Canada’s most powerful yet underutilized financial tools. Designed to help people with disabilities and their families save for the future, the RDSP comes with unique benefits that make its administrative hurdles worthwhile.

At its core, the RDSP offers two major advantages:

  • Government Grants and Bonds: Eligible contributions can be matched by the federal government through generous grants, and low-income beneficiaries may also qualify for bonds—even without personal contributions.
  • Tax-Deferred Growth: Investments inside the RDSP grow tax-free until funds are withdrawn, allowing savings to compound over time.

The paperwork, eligibility rules, and withdrawal restrictions can feel daunting. Families often face challenges navigating the application process, understanding contribution limits, and planning around complex withdrawal rules. Yet, for those who persist, the payoff is significant: thousands of dollars in government contributions and a secure financial foundation for the beneficiary’s long-term needs.

In short, while the RDSP may demand patience and persistence, it remains one of the most impactful ways to build financial security for Canadians with disabilities.


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