Scotia Smart Investor via Advice+
A new investment platform that lets you set, track, and change your goals as your life evolves.
Check out our special limited time offers:
- Earn up to 15,000 Scene+™ points on an eligible GIC.♢ Learn more
- Earn up to 4.05% interest until April 30, 2023 on new deposits in your eligible RRSP or TFSA with the Savings Accelerator Account.† Learn more
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

Guaranteed Investment Certificates (GICs)
Earn up to 15,000 Scene+TM points on an eligible GIC.♢
A worry-free investment product that keeps your principal investment safe and has a guaranteed rate of return.

Savings Accelerator Account
Earn up to 4.05% interest until April 30, 2023 on new deposits in your eligible RRSP or TFSA with the Savings Accelerator Account.†
Earn a competitive interest rate on your money as it grows, with no monthly account fee. Available in registered2 and non-registered plans.

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.
Talk to a Scotia advisor today
A Scotiabank advisor is someone you can talk to about your today and trust with your tomorrow.
Advice+
Investments and peace of mind can go together.

Diversification can help manage volatility
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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.
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.
GIC Investment Campaign Offer T&Cs
The Scotiabank GIC Bonus Scene+ Points Offer (the “Offer”) is available to individuals who purchase a Canadian Dollar Non-Redeemable GIC with a term of at least 2 years (“Eligible GIC”) between December 1, 2022, and March 31, 2023 (the “Offer Period”) and meet all other Offer conditions.
All other Scotiabank GICs, including non-redeemable GICs with terms less than 2 years, Market Linked GICs, Personal Redeemable GICs, Cashable GICs, and Guaranteed Income Optimizers are not eligible for the Offer. Eligible GICs can be purchased within either non-registered account or registered plans such as RRSP, TFSA, etc.
To qualify for a Scene+ point bonus (the “Points Bonus”):
- Purchase a new or renew an existing investment into an Eligible GIC during the Offer Period.
- The sum of Eligible GIC principal amounts purchased during the Offer Period must be equal to or greater than $5,000.
- By or on May 1, 2023, hold a Scotiabank debit or credit card that earns Scene+ Rewards (click here for eligible products) in good standing.
The Points Bonus you qualify for (Tier 1-4) will depend on the sum of Eligible GIC principal amounts purchased during the Offer Period under step 2 above, as follows:
|
Tier 1 |
Tier 2 |
Tier 3 |
Tier 4 |
---|---|---|---|---|
Sum of Eligible GIC Principal Amounts |
$5,000 - $49,999 |
$50,000 – $249,999 |
$250,000 - $999,999 |
≥$1,000,000 |
Points Bonus |
1,500 |
3,000 |
9,000 |
15,000 |
The Points Bonus will be credited to the Scene+ membership account connected to your Scotiabank debit or credit card by July 31, 2023, provided all Offer conditions outlined above have been satisfied. Your Eligible GIC(s) must be open at the time of the Points Bonus payout. If more than one (1) Eligible GIC is purchased and each qualifies for the Offer, the Points Bonus will be credited based on the sum of the Eligible GIC principal amounts purchased during the Offer Period. If the Eligible GIC(s) is purchased in a joint investment plan, only the primary joint account holder will be eligible to receive the Points Bonus. If an eligible customer has multiple Scene+ membership accounts, only one account will be credited. All other terms and conditions of the Eligible GIC(s) purchased/renewed continue to apply, including any minimum amounts.
This Offer is non-transferable, non-saleable, may not be exchanged for cash and may not be duplicated. Limit of one (1) Points Bonus per customer, regardless of the number of Eligible GICs opened. Offer may be changed, cancelled, or extended at any time and cannot be combined with any other offers except as otherwise permitted.
SCENE LP in its sole discretion, reserves the right to revoke any Scene+ points issued in connection with this Offer and/or cancel Scene+ membership accounts, if SCENE LP feels the Scene+ points were issued or used fraudulently or not in accordance with these Terms and Conditions. Any discrepancies with Scene+ points must be addressed with the SCENE Help Centre at support@sceneplus.ca.
™ Scene+ and the Icon Design are trademarks of Scene Plus IP Corporation, used under license.
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.