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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.
For a limited time, earn an interest rate of 5.00% on new FHSA deposits with the Savings Accelerator Account.†
Learn more about the First Home Savings Account (FHSA).
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.
Investment products that work for you
Whether you want to invest for retirement, save for a down payment, or put money aside to buy something big, we have investment products and options for you.
Savings Accelerator Account
For a limited time, earn an interest rate of 5.00% on new FHSA deposits with the Savings Accelerator Account.†
Guaranteed Investment Certificates (GICs)
A worry-free investment product that keeps your principal investment safe and has a guaranteed rate of return.
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.
Mutual funds
Mutual funds deliver instant diversification and professional money management in a cost-effective and convenient solution.
The Scotia Aria® Retirement Program
The only retirement program of its kind in Canada, with a customized investment approach designed for your stage in life. A $500 investment is all it takes to get started.
Introducing Scotia Low Carbon Funds
- Scotia Low Carbon Canadian Fixed Income Fund
- Scotia Low Carbon Global Balanced Fund
- Scotia Low Carbon Global Equity Fund
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.
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.
The Scotiabank Savings Accelerator Account may be opened within the following registered investment accounts - TFSA, RRSP, RESP, RRIF and RDSP.
The bonus interest rate (The “Bonus Rate”) applies to New Deposits (defined below) made into an eligible Scotiabank Savings Accelerator Account (“SSAA”) between August 14, 2023 and January 31, 2024 (the “Bonus Rate Period”). Eligible SSAAs include only those held within a First Home Savings Account (FHSA) at either The Bank of Nova Scotia or Scotia Securities Inc. (together, “Scotiabank”). SSAAs held within a TFSA, 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 4.25% will be earned only on that portion of the SSAA Daily Balance that is greater than the SSAA Daily Balance as of August 13 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 February 1, 2024. 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.
By accepting this offer, you consent to receive messages from Scotiabank via e-mail, Scotia OnLine and/or the Scotiabank Mobile Banking App so that we can notify you when the Bonus Rate Period and the offer are expiring and what interest rate will take effect after the Bonus Rate Period expires. Should you ever need to change your email address, you can update it by calling us or going into a branch.
These offer 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.