From February 1 to May 31, earn an interest rate of up to 5.10%◊ on new FHSA deposits with the Savings Accelerator Account.†
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Whether you’re planning for retirement or something a little sooner, our registered plans can help you grow your money while saving on the taxes you pay today.
Earn up to $400 with a Scotiabank banking package and an investment plan.*
Earn up to $400 with a Scotiabank banking package and an investment plan.*
Grow your savings tax deferred while generating a steady stream of income during your retirement years.
RESPs help parents, family, and friends save towards a child's future post-secondary education.
Save for the financial well-being of an individual or family member with a disability.
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Investment explainers and tools
When it comes to investing, the best thing you can do is start. Our explainers and tools help you understand how to get started, what different investing terms mean, and how to plan your financial future.
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Watch video : Tips for withdrawing from your investment accounts
Ever wonder how taxation works when withdrawing from a TFSA vs. an RRSP? Scotia investment specialist Henri breaks down the difference.
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Watch video: How much should I contribute to my RRSP?
Scotia advisor Daniel shares common RRSP mistakes and how to avoid them.
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Watch video: Are there downsides to a TFSA?
The TFSA lives up to its reputation as a very helpful savings tool. Find out why Scotia advisor Daniel doesn’t see downsides to using it.
Introducing Scotia Smart Investor via Advice+
Get investment advice tailored to you. Scotia Smart Investor is a new platform that helps you set, track, and manage your financial goals as your life evolves. Invest for the future, navigate uncertainty, and get tips and recommendations, all in one place.
Getting started with investing
With so much information about investing floating around, it’s easy for first-time investors to get overwhelmed. If you want to grow your money, retire comfortably and achieve your financial goals, you need the right investment strategy. This guide will take you through the basics.
Investment calculators and tools
Let us help you make the right financial decisions. Our interactive tools can help with RRSP decision-making, retirement income planning, budgeting, and choosing appropriate investments and more.
The amount you withdraw can be put back into your TFSA starting the following year without impacting your contribution room. Specific product restrictions may also apply.
For complete information on your contribution room, please visit the Canada Revenue Agency website.
The bonus interest rate (The “Bonus Rate”) applies to New Deposits (defined below) made into an eligible Scotiabank Savings Accelerator Account (“SSAA”) between February 1, 2024 and May 31, 2024 (the “Bonus Rate Period”). Eligible SSAAs include only those held within a First Home Savings Account (FHSA) at either The Bank of Nova Scotia or Scotia Securities Inc. (together, “Scotiabank”). SSAAs held within a TFSA, RRSP, RRIF, LIF, Registered Locked-In RSP, RESP, RDSP or any other registered plan or non-registered account at Scotiabank are not eligible for this Bonus Rate offer.
During the Bonus Rate Period, the Bonus Rate of 4.35% will be earned only on that portion of the SSAA Daily Balance that is greater than the SSAA Daily Balance as of January 31, 2024 (“New Deposits”). The “SSAA Daily Balance” means, with respect to any particular day, the closing balance in the eligible SSAA. In addition, New Deposits will continue to earn interest at the posted annual interest rate for the SSAA (click here for current rates).
The Bonus Rate will cease to apply as of June 1, 2024. The bonus interest earned during the Bonus Rate Period will be calculated daily and paid monthly or within up to 90 days after Bonus Rate Period ends. All interest rates described here in are annual rates.
SSAAs must be open and in good standing in order to receive any interest calculated at the Bonus Rate. A SSAA is not in 'good standing' if it has a negative balance, or the account holder is in breach of the account agreement with Scotiabank.
It is the SSAA account holder’s responsibility to determine his or her maximum allowable annual contributions in SSAAs held in registered plans.
All other terms and conditions of the SSAA continue to apply, refer to https://www.scotiabank.com/ca/en/personal/bank-accounts/savings-accounts/savings-accelerator-account.html for details, including calculation of interest.
By accepting this offer, you consent to receive messages from Scotiabank via e-mail, Scotia OnLine and/or the Scotiabank Mobile Banking App so that we can send you important notices regarding your account or this offer. Should you ever need to change your email address, you can update it by calling us or going into a branch.
These offer terms, including the Bonus Rate, may be changed, cancelled or extended at any time, in whole or in part, without notice.
Scotia Securities Inc. is a mutual fund dealer and is a corporate entity, separate from, although wholly-owned by, The Bank of Nova Scotia ("Scotiabank"). ScotiaFunds are managed by 1832 Asset Management L.P. and are available from Scotia Securities Inc. 1832 Asset Management L.P. is a limited partnership the general partner of which is wholly-owned by Scotiabank. Scotia Smart Investor is a trade name of Scotia Securities Inc.