Scotia Smart Investor via Advice+

An investment platform that lets you set, track, and change your goals as your life evolves.

Investment recommendations that can help you reach your goals

Get a view of how your chosen investments like mutual funds, GICs, and savings, are bringing you closer to your financial goals.

Whether you’re planning for a short-term goal like a vacation, or saving for a long-term goal like retirement, get investment advice tailored to you. Scotia Smart Investor helps you set, track, and manage your financial goals as your life evolves.

Get started with Scotia Smart Investor via Advice+.

Invest for the future

Set as many goals as you like and find the investments to help you reach your goals within the timeline you set.

Navigate uncertainty

Once you set your goals, Scotia Smart Investor will help you determine your investor profile so you may weather the changes in the financial markets. We’re always here to provide advice to help you  build a plan to get you closer to your goals.

Get tips and recommendations

Scotia Smart Investor will send you articles that pertain to your personalized goals. You can make an appointment with a financial advisor, too.

How to use Scotia Smart Investor via Advice+

This guide shows you how to get started with Scotia Smart Investor to get your insights and start setting goals.

How do I set up a retirement goal in Scotia Smart Investor?

To set up a retirement goal:

  • From the Scotia Smart Investor home screen, select Your Goals
  • Tap Create Your First Goal
  • Select Retirement
  • Tap Create Goal
  • To rename your goal, select the edit icon, enter a new name, and tap Save Changes

You can follow these steps to set up other goals in Scotia Smart Investor, such as saving for an emergency fund, a home, or your next vacation.

More ways to help you reach your goals

Special offer

First Home Savings Account (FHSA)

Start saving towards your first home in Canada, tax-free. 


From February 1 to May 31, earn an interest rate of up to 5.10% on new FHSA deposits with the Savings Accelerator Account.

Special offer

Savings Accelerator Account

February 1 to May 31, earn an interest rate of up to 5.10% 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.

Special Offer

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 up to $400 with a Scotiabank banking package and an investment plan.*

Special Offer

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 up to $400 with a Scotiabank banking package and an investment plan.*

Mutual funds

Mutual funds deliver instant diversification and professional money management in a cost-effective and convenient solution.

Frequently asked questions

If you can’t find what you’re looking for, you may be able to find it in the Help Centre.


Investments and peace of mind can go together.

Diversification can help manage volatility


The COVID-19 pandemic has been unsettling for investors and has many asking if their investments can withstand the current market volatility.

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.

Understanding inflation and its impact on your money

Learn what it is, how it happens and why it happens.

Let’s get started!

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