Perspectives

Loud budgeting is just one of many money trends you may have seen in your social media feed lately. This episode we get a level-headed take on some of these fads with the help of Kingsley Chak, Senior Vice President of Deposits, Savings and Investments at Scotiabank. He’ll let us know which ones might work, which ones might not and why, as well as give some evergreen tips on getting a handle on yo...

With life expectancy on the rise, people’s retirement years could soon be longer than their working years. So, how will that affect how you save? Our guest this episode is the Chief Investment Officer of Global Wealth Management at Scotiabank, Andy Nasr. He’ll tell us what those years might look like, give us some tips for saving at any age, and explain why living longer may change the conventiona...

The Bank of Canada held rates steady, again, for the fifth consecutive time to no one’s surprise (but disappointing perhaps for homeowners and others anxiously awaiting a cut).   Its latest decision came even though the latest data from January shows inflation in Canada is slowing and is within the central bank’s target range of 1% to 3%, but not quite at its target of 2%. Still, Governor Tiff Mac...

Something a little extra in your feed this week: a conversation recorded at a live event with the Chief Investment Officer of Global Wealth Management at Scotiabank (and Perspectives regular) Andy Nasr. Andy gives his take on the current state of the economy, interest rates, inflation, geopolitical events, and all the ways those factors are affecting stock markets and investing looking ahead towar...

In this episode, we bring you another instalment in the occasional series where leaders at Scotiabank interview experts on an issue that resonates with them. You'll hear a conversation between Janice Holzscherer, Managing Director and Head of Agriculture at Scotiabank and Cherilyn Jolly-Nagel, farmer, speaker, advocate and Scotiabank Women Initiative participant. Recorded on location at Cherilyn’s...

Imagine it’s late one night and you’re awoken by a call. It’s a panicked loved one telling you they’ve been in an accident and need money right away. Except it’s not actually a loved one, it’s a fraudster using AI to perfectly mimic their voice. That’s just one example of the latest in advanced schemes being employed these days to trick you into parting with your money. Tammy McKinnon, Senior Vice...

Canada’s productivity is declining and has been lagging for some time. A country’s productivity is an economic measure that boils down to how much stuff is produced by each working person. And according to our guest, Scotiabank’s Chief Economist Jean-François Perrault, it’s the most important economic variable we have. And declining productivity can have big implications for everyday Canadians. Th...

Critical minerals are used in the manufacturing of just about all modern technology — including things like solar panels and EV batteries that are key to the global energy transition. But according to our guest, Rebekah Young, the world doesn't currently have enough of these minerals and what we do have is concentrated in just a handful of countries. Rebekah is the Head of Inclusion and Resilience...

We go behind the scenes of a modern family farm to see how cutting-edge technology is helping farmers run a more sustainable operation. This episode, Terry Aberhart gives us a tour of Aberhart Farms and tells us about the advanced tools he uses, the hurdles he sees in implementing these practices on a wider scale and the public perceptions of sustainability in agriculture vs. the reality.    Key m...

The Bank of Canada’s decision to hold its key interest rate — for the fourth consecutive time — was no surprise. However, this time the central bank signalled that the discussion going forward won’t be about how high its key rate should go, but how long it will stay at 5%.  Scotiabank’s Chief Economist Jean-François Perrault is back to break down the Bank of Canada’s latest decision and what facto...

Markets have been doing pretty well lately, but what's in store for 2024? Hugo Ste-Marie is our guest. He is the Director of Portfolio and Quantitative Strategy in Equity Research at Scotiabank and he provides advice to global institutional investors, but his insights will be of interest to investors of all kinds. This episode he'll tell us what the markets might look like in the year ahead, where...

If your resolution is to get a handle on your money, this year might be a little more challenging for some people. Lucky for us, personal finance expert Bruce Sellery is back this episode. He’s the CEO at Credit Canada Debt Solutions and host of Moolala, the weekly personal finance radio show on SiriusXM. He has some concrete tips for managing your money in a year with continued high-interest rate...

Gillian Riley joins us in the studio for a candid interview as she marks her fifth anniversary as the head of Tangerine — a pioneer in digital banking in Canada. She’ll tell us about the evolution of digital banking and her experiences as a woman in the corporate world and how that inspired her to found the Scotiabank Women Initiative five years ago. Also, she gives some leadership lessons she's p...

You’ve probably seen the ads or prompts at online checkouts offering to let you break up your purchase into multiple instalments. This is a new trend in payments called buy now, pay later or BNPL. And a lot of consumers might be wondering, ‘What’s the catch?’ Laura Scheck, Scotiabank’s Vice President of Credit Cards, joins this episode to give us a crash course on this emerging way of paying. Sche...

The Bank of Canada announced Wednesday that it is holding its key interest rate at 5% — as widely expected — for the third consecutive time amid signs that past interest rate increases are dampening economic activity. So, does this mean that the central bank is finally done with rate hikes? And when might interest rates start to fall?    Scotiabank’s Chief Economist Jean-François Perrault is back...

With the holidays just about here, people's minds aren’t just on buying gifts. They’re also thinking about charitable giving. That’s especially true this year with many feeling the strain of high interest rates and inflation. Nation Cheong, Vice President of Community Opportunities & Mobilization at the United Way of Greater Toronto, and Malcolm Burrows, Head of Philanthropic Advisory Services at...

The term ‘supply chain issues’ conjures visions of empty shelves, delays and high prices. And it’s not just an inconvenience for customers, it’s costing companies, too. That’s where the concept of nearshoring, or friendshoring can help. This episode, we're getting a nearshoring 101 lesson from Rodrigo Echagaray, the Global Head of Product Management and Head of Latin America Equity Research for Sc...

For many people, a credit score is a mysterious thing. But that number can have a huge impact on our lives. In this episode that originally aired in back in April, Laura Scheck, Vice President of Credit Cards at Scotiabank talks to Natalie Nanowski from our Perspectives Newsroom team to help bust some common myths around the credit score as well as explain the basics. What number is good, what’s b...

Taxes?! Isn’t that a March or April thing? According to our guest this episode, a little bit of planning now will save you some headaches come spring. Robbie Brown is the Director of Advanced Planning and Services and the Head of Wealth Management Taxation at Scotia Wealth Management, and he’s got helpful tips on everything from key dates, to maximizing government grants, to how to best use the ne...

To no one’s surprise, the Bank of Canada held its key interest rate steady at 5% for a second consecutive time as recent data points to easing inflation, consumers cutting back on retail spending and a slowing economy in general. However, with inflation still at 3.8% — above the central bank’s target of 2% — it’s unclear how long this pause will last.  Scotiabank’s Chief Economist Jean-François Pe...

October is Small Business Month, so this episode we're taking the pulse of this important sector in Canada. The challenges faced are numerous, including lockdown-era loans coming due, inflation, persistently high interest rates and labour issues. But there are also reasons for optimism. Dan Kelly, President and CEO of the Canadian Federation of Independent Business, and Jascha Jabes, Vice Presiden...

Electric vehicle sales around the world have been growing exponentially over the last few years. That’s good news for the environment. It also means potential financial opportunities for countries that produce these cars and parts. But is Canada already behind in the electric vehicle (or EV for short) production race? Rebekah Young, Head of Inclusion and Resilience Economics at Scotiabank, and Eco...

To mark Orange Shirt Day (now also referred to as National Day of Truth and Reconciliation) on September 30, we're handing the mic over for a special episode of our Leadership Series. Our guest is author and creator of Orange Shirt Day, Phyllis Webstad. Hosting the conversation is Scotiabank’s Sloane Muldoon.   Phyllis talks about her new book: Every Child Matters, ten years of Orange Shirt Day an...

What is an investor to do when the future is so unclear?  When will interest rates and inflation settle? What about talk of a recession? Or a potential soft landing? Maybe a soft-ish landing?  Andy Nasr, the Chief Investment Officer at Scotia Wealth Management is back this episode to shed some light on how investors might best navigate these unusual times, give some insight on what’s creating them...

As most economists predicted, the Bank of Canada has held its key interest rate steady at 5%. Statistics Canada announced last week that the Canadian economy shrank 0.2% at an annualized rate in the second quarter – very far from the 1.5% growth the Bank of Canada had predicted in its last forecast.  The Perspectives podcast returns for another season with a familiar guest, Scotiabank Chief Econom...