Worrying about your finances shouldn’t keep you up at night.
With Sleep Advisor by Scotia Advice+, you can worry less about your investments and sleep better.
Check out our special limited time offers:
- Earn up to $350 in value on an eligible TFSA & RRSP.‡
- Earn up to 4.05% interest until April 30, 2023 on new deposits in your eligible RRSP or TFSA with the Savings Accelerator Account.†
Check out our most popular investment products and registered plans
Set goals and build your financial future with these products and plans.
Guaranteed Investment Certificates (GICs)
Earn 5% on an eligible 2-year GIC.♢
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 April 30, 2023 on new deposits in your eligible RRSP or TFSA with the Savings Accelerator Account.†
Earn a competitive interest rate on your money as it grows, with no monthly account fee. Available in registered2 and non-registered plans.
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)
Earn up to $350 in value on an eligible TFSA & RRSP.‡
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)
Earn up to $350 in value on an eligible TFSA & RRSP.‡
An RRSP is a powerful tool to help grow your retirement savings and lower the income tax you pay.
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.
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.
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.
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.
Watch video: How much should I contribute to my RRSP?
Scotia advisor Daniel shares common RRSP mistakes and how to avoid them.
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.
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.
Banking 101 – Investments
Putting your savings into investments as part of a financial plan can help you achieve your financial goals. It all starts with personalised investment advice just for you.
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.
2-years Non-Redeemable GIC:
GIC Type: Non-Redeemable GIC
GIC Term: 2-years
Interest Rate: 5.00%*
Offer Period: November 10th – December 31st
* The following rates apply to Canadian dollar deposits made in Canada. Rates are provided for information purposes only and are subject to change at any time. Interest is accrued daily on your GIC from the issue date up to, but not including the maturity date. Also, interest will be paid/compounded for the leap day in a leap year. These GICs are available within registered and non-registered accounts. For Scotiabank GICs that pay interest during their term (monthly, semi-annually or annually) the last interest payment is paid at maturity. If the maturity date falls on a Sunday, then the term of the GIC will be extended to the following Monday and interest will be paid to that day. Where an actual interest rate is disclosed, it is an annual interest rate if held to maturity.
The Bank of Nova Scotia, Scotia Mortgage Corporation, Montreal Trust Company, and National Trust Company each issue these GIC Rates. We reserve the right to change, extend or cancel these offers at any time without prior notice. A $500 minimum investment is required. A maximum investment of $5,000,000 per customer.
The Scotiabank Investment Plan Welcome Offer (the “Offer”) is available between November 1, 2022 and January 31, 2023 (the “Offer Period”) to individuals who open an eligible Scotia Registered Account during the Offer Period (each an “Eligible Investment Plan”) and complete certain qualifying activities.
For the purposes of this Offer, the following Scotia Registered Accounts are eligible for the Offer: Scotia Registered Retirement Savings Plans (RRSPs, excluding Locked-In Plans such as LIRAs and LRSPs) (each an “Eligible RRSP”) or Scotia Tax-Free Savings Accounts (each an “Eligible TFSA”). Scotia RRIFs, RESPs, RDSPs, and non-registered Scotia Investment Accounts are not eligible for the Offer. In order to qualify for either a Cash Bonus or Points Bonus (both defined below), the individual cannot have held the same type of Eligible Investment Plan with either The Bank of Nova Scotia or Scotia Securities Inc. (together, “Scotiabank”) in the 6 months preceding the Offer Period.
To qualify for a cash bonus (the “Cash Bonus”):
1. Open one or more new Eligible Investment Plan(s) during the Offer Period;
2. March 1, 2023, contribute or transfer-in a Minimum Qualifying Investment Amount (as defined below) into your new Eligible Investment Plan(s) and maintain that Minimum Qualifying Investment Amount until May 31, 2023 to qualify for either a $150 Cash Bonus or a $300 Cash Bonus:
|Minimum Qualifying Investment Amount*||Eligible Plan(s)||Qualifying Cash Bonus|
|$3,000 combined across any of your new Eligible Investment Plan(s)||Either an Eligible RRSP or Eligible TFSA||$150|
|$3,000 into both a new Eligible RRSP and TFSA (for a total minimum of $6000 combined)||Both an Eligible RRSP and Eligible TFSA||$300|
* For purposes of calculating the Minimum Qualifying Investment Amount, the book value of the contributions and/or transfers-in will be used to determine eligibility.
3. By March 1, 2023, set up a recurring pre-authorized contribution (PAC) from any Scotiabank personal bank account of at least $50 total per month in any of your Eligible Investment Plan(s), which must have recurred for a minimum of 3 consecutive months by May 31, 2023.
To qualify for an additional 5000 Scene+™ Points bonus (the “Points Bonus”):
4. Complete steps 1 – 3 above for the Cash Bonus and by or on May 31, 2023, hold a Scotiabank debit or credit card that earns Scene+ Rewards (click here for eligible products) and is in good standing.
For full terms and conditions, see Winter Investments Campaign Offer Terms and Conditions
The Promotional Interest Rate Offer (the “Offer”) applies to New Deposits (defined below) made into an eligible Scotiabank Savings Accelerator Account (“SSAA”) between November 10, 2022 and April 30, 2023 (the “Offer Period”). Eligible SSAAs include only those held within a Registered Retirement Savings Plan (RRSP) or a Tax-Free Savings Account (TFSA). SSAAs held within a RRIF, LIF, Registered Locked-In RSP, RESP, RDSP or any other registered plan or non-registered plan are not eligible for this Offer.
During the Offer Period, a promotional interest rate of 3.25% (the “Promotional Interest Rate”) will be earned only on that portion of the SSAA Daily Balance that is greater than the SSAA Daily Balance as of November 9, 2022 (“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 Promotional Interest Rate will cease to apply as of May 1, 2023. Promotional interest earned during the Offer 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 Promotional Interest Rate. For purposes of this Offer, 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 www.scotiabank.com/ca/en/personal/bank-accounts/savings-accounts/savings-accelerator-account.html for details, including calculation of interest.
This Offer, including the Promotional Interest Rate, may be changed, cancelled or extended at any time, in whole or in part, without notice.
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.