Scotia Aria® Retirement Program

Scotia Aria Retirement Program may be right for you if you value:

  • An investment approach that’s tailored to your stage in life.

  • A solution that balances growing your savings and managing risk.

  • A strategy that recognizes planning for retirement doesn’t end when you retire.

  • A partnership that supports you with ongoing advice from a Scotiabank advisor.

  • Plus:

  • A low minimum investment of $500 to start your retirement journey.

  • Customized portfolios to build, defend and generate income from your savings.

  • Cash flow options to match your retirement income needs.

  • Scotia Aria Retirement Program versus other Portfolio Solutions


    Traditional Portfolios

    (i.e. Scotia Selected Portfolios)

    Scotia Aria Retirement Program

    Choice of Asset Allocations for different Risk Tolerances

    Broad Investment Diversification

    Professional Money Management

    Exclusive to Retirement


    Tailored approach to Life Stage


    Customized Cash Flow Options


    Tailored For You by a Scotiabank Advisor

    Scotia Aria purpose-built portfolios work together to match your life stage and risk tolerance. A Scotiabank advisor will recommend the right combination of Build, Defend or Pay portfolios for you now and in the future.

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    Build Portfolios

    Focus on a growth strategy for your retirement savings during your working years.

    Defend Portfolios

    Focus on managing the ups and downs of the market as you approach retirement and while in retirement.

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    Pay Portfolios

    Focus on generating income and modest growth when you are in retirement.

    The partnership you have with your advisor is integral to the Aria experience. Your advisor at Scotiabank will recommend a custom allocation to the Aria Portfolios that is suitable for you based on your stage in life, risk tolerance and income requirements. They will also continue to monitor your progress, stay attuned to your needs and appetite for risk and recommend adjustments to your strategy along the way.

    More information that may interest you
    Scotia Aria Portfolios Series T

    These options can help convert your savings into spending with monthly payouts from a combination of income sources designed to potentially create more tax-efficient cash flow than traditional income-producing investments.