In this article we provide you with some tips on how to manage – and potentially benefit from – market volatility.
Scotia Essentials Portfolios™

*Or other investment products held in an eligible registered account. Bonus up to $3,750. Min transfer required. Conditions apply.
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What is a Scotia Essentials Portfolio?
It’s an all-in-one investment solution for your most important goals. You don’t need to be an expert, and you don’t need to manage it yourself.

We build and manage your portfolio, combining mutual funds and cost-effective ETFs.

You choose your goal and your comfort with risk.

Low fees, no hidden costs.
What makes Scotia Essential Portfolios different from other investments?
Whether you’re new to investing, new to Canada, or just want to find a simple way to invest, Scotia Essentials Portfolios are designed for you.
Saves you time
You don’t pick individual investments. Our team of professionals does—using the global resources of Scotia Global Asset Management.
Spreads your risk
Each portfolio includes a mix of asset classes, global markets, and investment styles which helps protect your money and grow it over time.
Adapts over time
Markets move and so should your portfolio. We actively monitor and adjust it to capture new investment opportunities.
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with an optional subtitleInvest with ease

Start with as little as $5001

Save automatically with pre-authorized contributions for as little as $25 per month

Options available for predictable monthly income.
Choose the right mix for you
Choose from four Essentials Portfolios. Whether you're deciding on building a retirement portfolio, focused on growing your savings or prefer a conservative approach, each portfolio is constructed with a target asset mix to balanced risk and reward and keep financial goals on track.
To find your match, connect with a Scotiabank Advisor or get started with Scotia Smart Investor via Advice+.
Scotia Essentials Portfolios
Everything you need in one portfolio. | pdf : 260
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How to get started
Create your plan to put your money to work towards your personal financial goals.
Step 1:
Tell us what you’re investing for
Whether it’s a home, retirement, or a big trip, we’ll work with you to choose the right mix.
Step 2:
Answer a few quick questions
We’ll help you understand your comfort with risk and your time horizon.
Step 3:
Get matched with a portfolio
We recommend the best-fit option from our four professionally managed portfolios.
Step 4:
Open your account online
And watch your money grow.
Additional resources
A neutral view on equities is currently warranted as the market fluctuates around tariff-related news rather than economic fundamentals.
The U.S. Federal Reserve holds interest rates steady despite calls for a cut from U.S. President Trump.
About Scotia Global Asset Management
At Scotia Global Asset Management®, we're proud of our history and the trust we've built to become one of Canada's largest asset managers, responsible for more than $350 billion in investments on behalf of our clients.
* The Scotiabank Investment Transfer Offer (the “Offer”) is available between June 3, 2025 and October 31, 2025 (the “Offer Period”) to new and existing Scotiabank clients. Subject to the conditions below, clients are eligible for a 1.5% cash bonus of up to $3,750 (the “Cash Bonus”), when they transfer a Net Transfer-in Amount of $15,000 or more (either in cash or as an in-kind transfer of existing assets) to a new or existing Eligible Registered Account with either The Bank of Nova Scotia or Scotia Securities Inc. (together, “Scotiabank”), complete certain qualifying transactions, and meet all other Offer conditions set out below.
Definitions:
“Eligible Registered Accounts”: Scotia Registered Retirement Savings Plans (excluding Locked-in plans such as LIRAs and LRSPs) (each an “Eligible RRSP”), Tax-Free Savings Accounts (each an “Eligible TFSA”), First Home Savings Accounts (each an “Eligible FHSA”) and Registered Education Savings Plans (each an “Eligible RESP”). Scotia RRIFs, RDSPs, and non-registered Scotia Investment Accounts are not eligible for the Offer.
“Enrollment Period”: Begins from the date the first transferred asset is successfully funded under step 1 below and lasts for 60 consecutive days.
“Net Transfer-in Amount”: The combined sum of all transfers (either in cash or as an in-kind transfer of existing assets) successfully funded in your Eligible Registered Account of the same registered account type (E.g., TFSA to Eligible TFSA, RRSP to Eligible RRSP, etc.) within the Enrollment Period minus any transfers out or withdrawals from the Eligible Registered Account within the Enrollment Period. For the purposes of calculating the Net Transfer-in Amount, the market value upon the receipt of transfer will be used to determine eligibility. For clients holding investments in non-Canadian dollar currencies, the Net Transfer-in Amount will be calculated in the Canadian dollar equivalent at the Scotiabank conversion rate.
“Total Investment Amount”: The total book value balance in the Eligible Registered Account at the end of the Enrollment Period, which includes the Net Transfer-in Amount plus any existing balances held in the Eligible Registered Account(s). For clients holding investments in non-Canadian dollar currencies, the Total Investment Amount will be calculated in the Canadian dollar equivalent at the Scotiabank conversion rate.
To qualify for a Cash Bonus:
1. During the Offer Period, initiate at least one transfer (either in cash or as an in-kind transfer of existing assets ) to your new or existing Eligible Registered Account(s), which must be successfully funded within the Enrollment Period.
2. Within the Enrollment Period, successfully fund the remaining of the Net Transfer-in Amount of $15,000 or more to your new or existing Eligible Registered Account(s).
3. Maintain your Total Investment Amount for six (6) consecutive months after the Enrollment Period ends.
For example, if a client successfully funded $25,000 into an Eligible TFSA and made a withdrawal of $5,000 before the end of the Enrollment Period, the client will be eligible for this Offer as long as the remaining of the Net Transfer-in Amount of $20,000, plus any existing balances at the end of the Enrollment Period, are maintained within the same Eligible TFSA for (6) consecutive months after the Enrollment Period ends.
4. Within the Enrollment Period, set up and clear one recurring pre-authorized contribution (PAC) from any personal bank account with a minimum value of at least $100 monthly into your new Eligible Registered Account that will recur for a minimum total of six (6) consecutive months.
Calculation of Cash Bonus: The Cash Bonus will be calculated as 1.5% of the Net Transfer-in Amount held in your Eligible Registered Account after the six (6) months maintenance period set out in Step 3 above ends, up to a maximum Cash Bonus of $3,750.
Eligibility and Exclusions: For a transfer-in to be eligible, assets must be transferred from a registered account held at a Canadian financial institution other than The Bank of Nova Scotia or any of its subsidiaries or affiliates (including Scotia Securities Inc.) and must be transferred to the Eligible Registered Account from an account of the same registered account type (i.e., TFSA to Eligible TFSA, RRSP to Eligible RRSP, etc.).
The assets that are transferred in from another Canadian financial institution must be processed through a transfer form and the transfer must be initiated and submitted by a Scotiabank Advisor or Scotia Financial Planner; clients who initiate and complete their own transfers will not be eligible. A client can complete multiple transfers to reach the minimum $15,000 Net Transfer-in Amount as long as the assets are transferred to the same registered account type. Transfers across multiple registered account types cannot be aggregated to reach the $15,000 minimum.
General Terms: Provided all Offer conditions have been met, the Cash Bonus will be deposited to your Eligible Registered Account within approximately eight (8) months from the end of the Enrollment Period. For the Cash Bonus to be paid, the applicable Eligible Registered Account must be open and in good standing until the time of payout of the Cash Bonus. For purposes of this Offer, an Eligible Registered Account is not in 'good standing' if the account holder is in breach of the Eligible Registered Account’s client account agreement.
If you qualify, you will receive only one (1) Cash Bonus per Registered Eligible Account type (e.g., an Eligible RRSP or an Eligible TFSA), regardless if there are multiple transfers to the same Eligible Registered Account and regardless of the number of Eligible Registered Account types qualified. If multiple Eligible Registered Accounts of the same registered account type meet the qualifying conditions (e.g., 2 Eligible RRSPs), the Cash Bonus will only be paid on the first Eligible Registered Account that has met the Offer conditions.
Clients are responsible to confirm their contribution limits noted on their most current Notice of Assessment issued by the Canada Revenue Agency prior to making any contribution to their Eligible Registered Account(s). The Cash Bonus will not be considered a contribution and therefore will not impact a client’s applicable registered plan contribution limit. Scotiabank is not responsible for any contribution over a client’s limit in connection with this Offer. Clients should consult with a tax advisor to discuss any tax implications in connection with this Offer and clients are responsible for any required tax reporting.
This Offer is non-transferable, non-saleable, may not be exchanged for cash and may not be duplicated. Offer may be changed, cancelled, or extended at any time without prior notice.