
Get more from life in retirement
Now that you're in retirement, an important element of your financial plan is to preserve what you've worked so hard to save.

You have options
We'll put a plan together that will help you gain the financial flexibility and confidence to sustain your income and live your life comfortably.

Your partner in retirement
A financial plan evolves with you.
Your Scotia advisor will stay connected with you to help you get the most out of your retirement savings.

Retirement investment strategies
Talk to your Scotia advisor about all the ways to invest so that you have enough to live comfortably in retirement.
Plans for preserving your retirement savings
Start planning today with the help of a Scotia advisor.

Registered Retired Income Funds (RRIFs)
Grow your savings tax deferred while generating a steady stream of income during your retirement years.

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
Products for preserving retirement savings
Build your plan by choosing from our most popular retirement products.

Savings Accelerator Account
Earn up to 4.05% interest until August 31, 2023 on eligible new deposits in your TFSA with the Savings Accelerator Account.†

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.

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.

Guaranteed Investment Certificates (GICs)
A worry-free investment product that keeps your principal investment safe and has a guaranteed rate of return.

MomentumPLUS Savings Account
A high interest savings account that rewards you the longer you save.
All with no minimum balance or monthly account fee.
Are you saving for something else?
We can help you achieve your financial goals.
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.
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.

Online appointment booking
A quick, easy, and secure way to connect with a Scotiabank advisor matched to your needs.

Have a question?
We’re ready to give you advice.
Investing FAQs
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.
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 May 30, 2023 and August 31, 2023 (the “Bonus Rate Period”) Eligible SSAAs include only those held within a Tax-Free Savings Account (TFSA) at either The Bank of Nova Scotia or Scotia Securities Inc. (together, “Scotiabank”). SSAAs held within a 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 3.25% will be earned only on that portion of the SSAA Daily Balance that is greater than the SSAA Daily Balance as of May 29, 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 September 1, 2023. 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.
The 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.described herein are annual rates.