Scotia Portfolios
Depending on your investment time horizon, investment objective, and risk tolerance, the Scotia Portfolio you select will offer varying degrees of exposure to the three major asset classes.
Choose the Scotia Portfolio that suits you
With Scotia Portfolios you can rest assured that your investment plan stays tailored to you, no matter what the markets do over time.
Scotia Conservative Portfolio
Investment objective: To earn a modest income while protecting your principal. The value of this portfolio will fluctuate modestly from time to time.
Scotia Conservative Balanced Portfolio
Investment objective: A high level of income with some growth potential. The value of this portfolio will fluctuate modestly from time to time.
Scotia Balanced Portfolio
Investment objective: Growth with some income. The value of this portfolio will fluctuate from time to time.
Scotia Balanced Growth Portfolio
Investment objective: To achieve a high level of growth with some income potential. The total value of this portfolio will fluctuate considerably from time to time.
Scotia Growth Portfolio
Investment objective: To achieve the maximum potential growth over the long term. The total value of this portfolio will fluctuate considerably from time to time.
Asset allocation at your fingertips
Asset allocation is key to any well-diversified portfolio. The performance of asset classes, including cash equivalents, fixed income and equities, can vary year over year. Spreading your assets across multiple asset classes ensures that you don’t have all your eggs in one basket.
Sample Scotia Balanced portfolio breakdown
| Fund type | Prescribed weighing | Quarter 1 | Change from optimal mix |
|---|---|---|---|
| Mutual Fund A | 40% | 36.34% | 3.66% |
| Mutual Fund B | 15% | 13.82% | 1.18% |
| Mutual Fund C | 15% | 16.87% | 1.87% |
| Mutual Fund D | 15% | 15.52% | 0.52% |
| Mutual Fund E | 15% | 17.45% | 2.45% |
In this example, mutual fund A has drifted more than 3.0% due to market movements. Although the other four funds have not drifted more than 3.0% mutual fund A triggers a rebalance to reset each fund’s weighting to the original prescribed weighting.
Automatic quarterly rebalancing
Every calendar quarter Scotia Portfolios are reviewed to ensure that weightings of the underlying Scotia Funds in your portfolio do not deviate from their prescribed weightings. In the event of a deviation of 3.0% or greater in either direction, the portfolio is rebalanced back to those original weightings.
As you take advantage of high performance markets, automatic rebalancing ensures you lock in those gains and redistribute your investment dollars to the optimal allocation in the portfolio. This can help reduce the amount of volatility in your portfolio, with the potential for more stable returns over time.
Professionally managed mutual funds
All funds included in the portfolios are managed by expert money managers from around the world, including those that are part of the Scotiabank Group.
Fund purchases
Fund purchase type |
Amount (USD) |
|---|---|
Minimum initial investment |
5,000 |
Minimum subsequent purchase |
100 |
Pre-authorized contribution |
100 |
Pre-authorised contributions
You can set up a Pre-Authorised Contribution (PAC) to regularly invest in your portfolio. Investing regularly is one of the simplest ways to take advantage of market volatility and reduce the risks of market timing.
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