Scotia Aria Retirement Program

You define retirement. It doesn’t define you.

Planning for retirement doesn't end when you retire

Finances, family, health, leisure, work… retirement is fast becoming a mosaic of priorities. The more complex needs of today’s and tomorrow’s retirees require a different approach. An approach that is personalized and practical, sophisticated yet straightforward and recognizes retirement as a unique journey, not just a destination.

Introducing the Scotia Aria Retirement Program – a singular solution designed exclusively for investors like you seeking a more personalized investment journey to and through retirement.

Aria is a dedicated retirement solution that:

  • Aligns to your timeline, unique retirement goals and cash flow needs
  • Provides the expertise and ongoing oversight of a dedicated team of investment management professionals
  • Recognizes retirement planning doesn’t end when you retire

Scotia Aria Retirement Program - Invest with purpose

The journey to retirement is seldom linear and investment needs are rarely one dimensional. The risks that you face during your working years, such as savings risk, gradually shift to longevity risk as you draw them down.

Separately, each Aria Portfolio is built for a distinct purpose. Combined, they form a complete solution.

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 Core Portfolios

Aria Core 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.