Invest automatically and save.

Pre-Authorized Contributions (PAC) make investing for long-term goals easy and affordable.

Pre-Authorization Contributions (PACs) are an easy and convenient way to start building up savings for retirement. They are contributions toward reaching your retirement goals quickly and easily that you can control in terms of both frequency and dollar amount. That means you can choose how much money you’re saving, and how often, as well as which accounts or investments you’re using to save.


Once you’ve set your preferences, you’ll be saving money without even thinking about it.

How setting up a PAC benefits your investments:
  • Eliminate the guesswork of when to invest.

  • Avoid RRSP deadline scramble.

  • Compound growth potential.

  • Get started with as little as $25 per month.

  • Start a PAC today

    To make a contribution to an existing investment

    Sign in to Scotia OnLine

    choose Quick Menu > Add to existing Investment > Pre-Authorized Contributions

    To open a new account choose Products & Services > Select Products & Services > Investment & Wealth Services

    Come in and get started

    Discuss with a financial advisor the right investment for you.

    Find your nearest branch