Scotia Smart Investor via Advice+
A new 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 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

First Home Savings Account (FHSA)
Start saving towards your first home in Canada, tax-free. Now available at Scotiabank.‡
For a limited time, earn an interest rate of 5.00% on new FHSA deposits with the Savings Accelerator Account.†

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.

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

Registered Retirement Savings Plans (RRSP)
An RRSP is a powerful tool to help grow your retirement savings and lower the income tax you pay.

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.
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Understanding inflation and its impact on your money
Learn what it is, how it happens and why it happens.
Let’s get started!

Scotia Smart Investor
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Commissions, trailing commissions, management fees and expenses may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.
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.
Currently the Scotiabank FHSA has a limited product offering, consisting solely of cash and Scotiabank Saving Accelerator, a High Interest Savings Account issued by Scotiabank and its affiliates, Montreal Trust Company of Canada, National Trust Company and Scotia Mortgage Corporation. Further investment offerings for FHSA will be available at a later time.
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.