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Introducing
Scotia Smart Investor
Get investment advice tailored to you. Scotia Smart Investor helps you set, track, and manage your financial goals as your life evolves.
What are you saving for?
Talk to one of our advisors to make a financial plan that focuses on your current needs and future goals.
Products and plans
Set goals and build your financial future with our most popular investment products and plans.
Guaranteed Investment Certificates (GICs)
A worry-free investment product that keeps your principal investment safe and has a guaranteed rate of return.
Savings Accelerator Account
Earn up to 4.05% interest until August 31, 2023 on eligible new deposits in your TFSA with the Savings Accelerator Account.†
ScotiaFunds® Portfolio Solutions
Our Portfolio Solutions offer a diversified mix of mutual funds in the convenience of single investment to help you grow your savings while carefully managing risk. Whether you are seeking regular income or long-term growth, there’s a portfolio solution designed to help you achieve your goals.
Tax-Free Savings Accounts (TFSA)
A TFSA is a great way to save for both short and long-term goals, with the flexibility to withdraw your money at any time without penalty.1
Registered Retirement Savings Plans (RRSP)
An RRSP is a powerful tool to help grow your retirement savings and lower the income tax you pay.
Mutual funds
Mutual funds deliver instant diversification and professional money management in a cost-effective and convenient solution.
Scotia iTRADE®
Get started with self-directed investing. Our powerful online trading platform is easy to use, plus you’ll gain access to in-depth analysis, research, tips, and much more.
Investing FAQs
Talk to a Scotia advisor today
A Scotiabank advisor is someone you can talk to about your today and trust with your tomorrow.
Build a plan for your future with Scotiabank
Get personalized advice from our team of advisors and investment specialists across Canada.
Connect with us in a way that’s convenient for you. Scotia advisors are available in every branch to help you understand, plan, and execute the right financial plan.
Monitor your investments digitally with online and mobile banking. Our digital banking guides show you how to take care of your banking using your mobile phone, tablet, or computer.
Get smarter with your money. Get Advice+
Investing for the future is important, but so is enjoying your life today. Get financial advice from Scotiabank that’s easy to understand, informative, and tailored to you. We’ll help you build a plan that fits your life.
How you could use the new Tax-Free First Home Savings Account (FHSA)
The new Tax-Free First Home Savings Account helps Canadians save towards their first home.
RRSP vs. TFSA: What should I choose?
Not sure about selecting an RRSP or a TFSA? We dive into what you need to know about how they work.
How to save and invest when you're new to Canada
We’ll walk you through everything you need to know about saving and investing in Canada.
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.
Commissions, trailing commissions, management fees and expenses may be associated with mutual fund investments. Please read the fund’s simplified prospectus before investing. Mutual funds are not guaranteed or insured by the Canada Deposit Insurance Corporation or any other government deposit insurer, their values change frequently and past performance may not be repeated.
1
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. Annual contribution limits: $5,000 for 2009-2012; $5,500 for 2013-2014; $10,000 for 2015; $5,500 for 2016-2018; $6,000 for 2019 – 2021.
For complete information on your contribution room, please visit the Canada Revenue Agency website.
§
The Scotiabank Savings Accelerator Account may be opened within the following registered investment accounts - TFSA, RRSP, RESP, RRIF and RDSP.
®
Registered trademarks of The Bank of Nova Scotia, used under licence. Scotiabank includes The Bank of Nova Scotia and its subsidiaries and affiliates, including Scotia Securities Inc.
†
The bonus interest rate (The “Bonus Rate”) applies to New Deposits (defined below) made into an eligible Scotiabank Savings Accelerator Account (“SSAA”) between May 30, 2023 and August 31, 2023 (the “Bonus Rate Period”) Eligible SSAAs include only those held within a Tax-Free Savings Account (TFSA) at either The Bank of Nova Scotia or Scotia Securities Inc. (together, “Scotiabank”). SSAAs held within a 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.
During the Bonus Rate Period, the Bonus Rate of 3.25% will be earned only on that portion of the SSAA Daily Balance that is greater than the SSAA Daily Balance as of May 29, 2023 (“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 September 1, 2023. The bonus interest earned during the Bonus Rate Period will be calculated daily and paid monthly. All interest rates described herein 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.
The 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.described herein are annual rates.