Energize your investing  

Let us show you how.

Reminder

RRSP contribution deadline is fast approaching

RRSP season is coming. Make a contribution to your RRSP for the 2019 tax year by February 29, 2020 and keep working towards your dream retirement.

 

Your RRSP contributions are tax deductible, which means you save on taxes.

More RRSP info
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J.D. Power

Ranked Highest in Customer Satisfaction with Retail Banking Advice by J.D. Power for 2019*.

 

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FUNDGRADE A+

Achieved for the year 2018
ScotiaFunds is the recipient of five 2018 FundGrade A+ Awards, given annually to investment funds and their managers who have shown “consistent, outstanding, risk-adjusted performance."

 

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Get our retail banking award-winning team working for you

Last year, Scotiabank helped over a million Canadians energize their investing. Find out how we can spark something impressive for your investments, too. Talk to a Scotiabank advisor today.

 

Featured investment solutions

These are some of our most popular investment solutions.

The Scotia Aria® Retirement Program

A customized retirement portfolio to help you build, defend, and draw income from your savings.**

Find out more, The Scotia Aria® Retirement Program
Tax Free Savings Account (TFSA)

A registered account in which the income you earn is completely tax free1. You don't even pay tax when you withdraw funds.

Open a TFSA, Tax Free Savings Account (TFSA)
Market Linked Guaranteed Investment Certificates (GIC) 

Say hello to worry-free investing. Discover an investment product with the security of a GIC plus the potential to earn more.

See Market Linked GICs, Market Linked Guaranteed Investment Certificates (GIC) 

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Get self-started with self-directed investing. Get up to $1,500 and $6.99 pricing or up to 500 free equity trades2. Our powerful online trading platform is easy to use, plus you’ll gain access to in-depth analysis, research, and much more.

Get offer code

What are you saving for?

Whether you’re saving for retirement, a child’s education, or just a rainy day, Scotiabank will partner with you every step of the way.

A Scotiabank Advisor is here to help

Scotiabank Advisors work with customers to help them meet their financial goals and turn their dreams into reality. Scotiabank Advisors are available to discuss your investment options and create a personal plan for you.

Investing essentials

Scotiabank offers lots of tips and tools to support you in making more informed investment decisions.

Retirement calculator

Estimate how much money you’ll need to save for retirement based on your current earnings and savings.

Let's calculate, Retirement calculator
The benefits of Pre-Authorized Contributions

Invest automatically and watch your savings grow. 

See how, The benefits of Pre-Authorized Contributions
An introduction to mutual funds

Mutual funds remain popular with Canadian investors. Here’s why.

Read article, An introduction to mutual funds

Quick answers to common questions

A financial plan gives you a complete picture of your finances by focusing on your current needs and future goals. It includes longer-term goals, such as retirement, and shorter-term goals, such as saving for a car or a home. It can help establish the best routes to get there on time and identifies important milestones so you know you’re on the right track. Your Scotiabank Advisor can help you build your financial plan and also serve a regular check point to help you stay on track. 

A dividend is a distribution of a portion of a company’s earnings, typically paid on a quarterly basis to shareholders. Investors in dividend-paying stocks have the option to receive regular cash flow or re-invest those dividends into additional shares. Not all dividend-paying stocks are created equal and there are many options and solutions available for investors. Your Scotiabank Advisor can help you find the investing solution that works for you. 

Figuring out your net worth is an important step in evaluating your financial health and reaching your financial goals. To calculate your net worth, make a list of all your assets (what you own) and liabilities (what you owe). The difference between the two (assets minus liabilities) is your net worth. This will give you a better picture of your spending and savings habits so you can see where you’re doing well and where you might need to make changes. 

Investing automatically with a Pre-Authorized Contribution (PAC) can help keep you on track to meet your financial goals. Pre-Authorized Contributions eliminate the guesswork of when to invest and can allow you to take advantage of potential compound growth depending on your investment. And with a PAC on your RRSP you can avoid the stress of making lump-sum contributions. Speak to your Scotiabank Advisor to set up a PAC today.

Spousal RRSPs are an effective way to split income during retirement. The long-term goal of investing in a spousal RRSP is to minimize taxes for a couple during retirement by putting retirement income in the hands of the lower-income spouse. By equalizing each spouse’s retirement income, the overall tax bill is reduced by keeping both spouses in a lower tax bracket. Talk to your Scotiabank Advisor for more details.

A rule of thumb is to save the equivalent of three to six months of living expenses in an emergency fund/rainy-day fund to get you through a financial setback or job loss. Even if you can only set aside a small amount from your paycheques, if something does come up, like a major car repair at the worst possible time, you won’t need to dip into your savings or borrow from your credit card in order to pay for it.

Additional resources and tools

Use these calculators and other tools to figure how out how much you’ll need to put away to achieve your financial goals:

Retirement Savings Calculator
RIF/LIF/LRIF Illustrator
RESP Reality Check
Money Finder
TFSA Calculator