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Enjoy today with investment solutions for tomorrow
Earn a 1.5% cash bonus on transfers into an eligible registered account.
Bonus up to $3,750. Min transfer required. Conditions apply.*
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.
Registered Retirement Savings Plans (RRSP)
An RRSP is a powerful tool to help grow your retirement savings and lower the income tax you pay.
Earn a 1.5% cash bonus on transfers into an eligible registered account.*
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
Earn a 1.5% cash bonus on transfers into an eligible registered account.*
Guaranteed Investment Certificates (GICs)
A worry-free investment product that keeps your principal investment safe and has a guaranteed rate of return.
First Home Savings Account (FHSA)
Start saving towards your first home in Canada, tax-free.
Earn a 1.5% cash bonus on transfers into an eligible registered account.*
Savings Accelerator Account
Grow your savings faster within your investment plan with this high-interest savings account.
Invest in the essentials
Cost-effective ETFs and mutual funds, together in one portfolio. Scotia Essentials Portfolios.
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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with an optional subtitleWatch 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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with an optional subtitleWatch 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.
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.
For complete information on your contribution room, please visit the Canada Revenue Agency website.
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. 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 Special Rate GICs. 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.
Special Rate GICs: GIC special rates apply only to non-redeemable GICs with the associated terms shown above and are not applicable to other GICs. This is the annual interest rate if held to maturity. These Special Rate GICs are available within registered, non-registered and TFSA portfolios. 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. 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 does not fall on a business day then the term of the GIC will be extended to the next business day and interest will be paid to that day. These Special Rate GIC offers are not to be used in conjunction with any other rate bonus or discretionary offers.
The Scotiabank Savings Accelerator Account may be opened within the following registered investment accounts - TFSA, RRSP, RESP, RRIF and RDSP.