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Special offer: Open an eligible RRSP & TFSA in a few steps and earn up to $350 in value.‡
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.
Special offer
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.†
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.
Save for any goal with our registered plans
Whether you’re planning for retirement or something a little sooner, our registered plans can help you grow your money while saving on the taxes you pay today.
Special offer: Open an eligible RRSP & TFSA in a few steps and earn up to $350 in value.‡
RESPs help parents, family, and friends save towards a child's future post-secondary education.
Grow your savings tax deferred while generating a steady stream of income during your retirement years.
Save for the financial well-being of an individual or family member with a disability.
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
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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.
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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.
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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.
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.
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.
‡
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.
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.