Scotia Aria® Retirement Program

The only retirement program of its kind in Canada.

You change over time and so should your retirement solution

The Scotia Aria Retirement Program is an innovative retirement solution designed to help you build, defend and draw an income from your retirement savings. A personalized approach to helping you achieve your retirement goals, Aria matches you to a tailored combination of purpose-built portfolios for your unique needs and stage in life. A customized portfolio solution doesn’t have to be expensive. With our new lower management fees, your retirement savings will go further from your first dollar invested.

You invest with a purpose and so do we

Depending on your age, years to retirement, cash flow needs and risk tolerance, we’ll match you to one or more of the following purpose-built portfolios.

Scotia Aria Build Portfolios
A growth-focused investment approach makes the most sense when you are younger and retirement is far off. These portfolios are designed to grow your retirement savings using a diversified mix of equity and fixed income investments.

Scotia Aria Defend Portfolios
Managing the ups and downs of the markets becomes increasingly important as you approach retirement and begin to draw an income from your savings. These portfolios are designed to grow your retirement savings with less volatility than the broad markets.

Scotia Aria Pay Portfolios
Now that you’re in retirement, you need a flexible solution that can help deliver income and maintain the purchasing power of your savings. These portfolios are designed to generate regular income and a modest level of growth through a diversified mix of investments.

Grow: Scotia Aria Build Portfolios

Aria Build Portfolios are designed to achieve long-term growth through a diversified mix of equity and fixed income strategies that are primarily geared towards capital appreciation.

Conserve: Scotia Aria Defend Portfolios

Aria Defend Portfolios are designed to take a more cautious approach to achieving long-term growth by selectively investing in lower volatility investments and using other defensive strategies.

Spend: Scotia Aria Pay Portfolios

Aria Pay Portfolios are designed to generate income and provide growth potential by seeking out income producing equities and fixed income securities.


With Aria, the whole is truly greater than the sum of the parts. The result is a complete strategy that is attuned to your long-term goals, yet is flexible enough to change as circumstances warrant.

Find an Advisor

The partnership you have with your advisor is integral to the Aria experience. Your advisor at Scotiabank will recommend a custom allocation to the Aria Portfolios that is suitable for you based on your stage in life, risk tolerance and income requirements. They will also continue to monitor your progress, stay attuned to your needs and appetite for risk and recommend adjustments to your strategy along the way.

Scotia Aria Portfolios Series T

These options can help convert your savings into spending with monthly payouts from a combination of income sources designed to potentially create more tax-efficient cash flow than traditional income-producing investments.