Tax Smart Solutions

with Scotia Corporate Class Funds

When investing, it's not all about how much you make. It's also about how much you keep. Registered plans such as RRSPs, RESPs and TFSAs are familiar tax deferred plans for Canadians. But they have contribution restrictions which limit their ability to help you with larger investment amounts. So what can you do to help protect investments outside of these plans?

Scotia Corporate Class Funds are an effective tax-smart solution for customers with higher amounts of non-registered assets that are to be invested for the longer term. Investing in Scotia Corporate Class Funds can help build and protect your wealth by deferring and minimizing your taxes on non-registered investments, leaving more money in your portfolio to grow.

Scotia Corporate Class Funds are based on successful ScotiaFunds solutions, offering breadth of choice across asset classes and geographic regions. With a higher minimum purchase, Scotia Corporate Class Funds are ideally suited to customers with more than the $50,000 in non-registered assets.

Learn more about our tax-smart Corporate Class Funds & Portfolios

Portfolio Solutions

Scotia Funds

Here's three ways Scotia Corporate Class Funds can help build and protect your wealth:

Diversify & Rebalance without immediate tax implications

New job, promotion, marriage, inheritance, retirement…a lot can happen during your lifetime. As your financial situation changes, you may need to rebalance your portfolio to reflect your new goals and needs. A key benefit of Scotia Corporate Class Funds is the ability to switch from one fund to another without triggering an immediate taxable event.

Note: Tax is deferred, but not eliminated. Investors should seek tax advice for their individual circumstances.

Smaller Potential Distributions

To help lower your immediate taxable income, Scotia Corporate Class Funds offer the potential for smaller taxable distributions. When distributions are paid they may be in a form that is taxed at a lower rate than interest income.



Tax-Deferred Growth to Maximize Your Savings

With tax-deferred switching and smaller potential distributions, you keep more of your money in your portfolio – meaning you have more money compounding over time.


Are Scotia Corporate Class Funds right for you?

Scotia Corporate Class Funds are suitable for customers with a higher balance of non-registered investable assets ($50,000) who are seeking a longer-term investment solution and do not have immediate needs for income from their investments.

Here are some questions that can help you decide if Scotia Corporate Class Funds are right for you:

  • Do you invest outside of a registered plan (RRSP, RESP, TFSA)?
  • Do you want the option to adjust or rebalance your holding without the worry of immediate tax consequences?
  • Are you a retiree who wants to reduce your current income to maximize your Old Age Security (OAS) benefit?
  • Do you want to set-up an informal in-trust account for your child or grandchild?

If you answered "yes" to any of these questions, talk to your Scotia advisor about how Scotia Corporate Class Funds may be incorporated in to your investment portfolio.

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Scotiabank Corporate Class Funds 3:53 min | Transcript
Grow, balance, and defer taxes on your investments. Scotia Corporate Class Funds are a tax-smart solution for flexibility and choice in managing your non-registered investments.

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