通貨膨脹和生活成本被加拿大人視為財務挑戰

道明銀行最新調查顯示，通貨膨脹和生活成本被老加拿大人和新移民視為 2024 年最大的財務挑戰
https://www.newswire.ca/news-releases/inflation-and-cost-of-living-seen-as-2024-s-biggest-financial-challenges-by-both-builted-and-new-canadians-新-td-survey-861101225.html

 作者：道明銀行集團 2024 年 1 月 18 日

58% 的老加拿大人預計通脹/生活成本將成為 2024 年最大的財務挑戰，38% 的新加拿大人也有同樣的想法

多倫多，2024 年 1 月 18 日 /CNW/ - 隨著新年的到來，道明銀行正在分享代表道明銀行進行的一項新調查的結果，該調查著眼於成熟的加拿大受訪者（在加拿大工作五年以上）的 2024 年財務前景），以及年齡 25 歲以上的新加拿大受訪者（在加拿大零到五年）。

較高的家庭收入並不總是意味著更積極的財務前景

盡管與新加拿大人相比，家庭收入較高的老加拿大人比例較高，但調查發現，與 2023 年相比，36% 的老加拿大人對 2024 年的財務前景感到不太樂觀，隻有 19% 的人感覺更樂觀。這與接受調查的新加拿大人形成鮮明對比，與 2023 年相比，隻有 15% 的加拿大人對 2024 年的財務前景感覺不太樂觀，67% 的人感覺更樂觀。

道明銀行日常建議之旅副總裁艾米麗·羅斯 (Emily Ross) 表示：“預計又一個不確定的經濟年，在進入 2024 年之際，許多加拿大人對自己的財務狀況並不樂觀，這並不奇怪。”羅斯補充道：“盡管未來可能麵臨財務挑戰，但調查還表明，對於許多人來說，有辦法建立財務信心。”

樂觀的關鍵可能是財務規劃方法的不同

與老牌加拿大人相比，新加拿大人似乎不僅以更樂觀的財務前景迎接新的一年，而且也有了更明確的財務目標：

97% 的新加拿大人有新年財務決心，而老加拿大人的這一比例為 59%

新加拿大人也在采取積極措施來實現他們的決心，92% 的人計劃在新的一年削減開支，而老加拿大人中隻有 55% 計劃削減開支

此外，新加拿大人更有可能尋求定期的專業財務建議：

在與合格金融專業人士會麵的加拿大人中，大多數 (43%) 每年隻與他們會麵一次
在與合格金融專業人士會麵的新加拿大人中，大多數 (53%) 每季度至少與他們會麵一次
新加拿大人也更有可能利用電子表格或移動應用程序等預算工具來幫助處理財務問題：

29% 的加拿大人使用電子表格或移動應用程序等預算工具來幫助管理財務

66% 的新加拿大人使用電子表格或移動應用程序等預算工具來幫助處理財務問題

羅斯補充道：“財務前景較為樂觀的受訪者往往會采取積極主動的措施來確保財務穩定和成功，例如更加注重規劃和專業建議。”我們知道，製定財務決議、製定預算、使用金融工具以及定期與合格的財務專業人士會麵等措施，都是更好地確保您的財務未來安全的有效方法，尤其是在充滿挑戰的時期。”

對您的財務狀況感覺更好

當加拿大人考慮當前的財務前景並計劃為新的一年製定道路時，獲得專業人士的建議和見解對於采取正確的方法至關重要。

道明提供工具和資源來幫助客戶建立財務目標、製定個性化財務計劃並跟蹤他們實現目標的進度：

道明個人銀行專員在全國範圍內提供財務建議，並幫助客戶做出有關金錢事務、個人理財和投資的決策，以幫助他們實現獨特的財務目標。

使用道明目標生成器，個人銀行家可以提供定製的投資建議，幫助客戶實現財務目標，無論他們是為退休、孩子的教育、購房還是其他重大購買進行儲蓄。

TD MySpend 使用 TD MySpend 應用程序控製您的儲蓄和支出，該工具可讓您輕鬆掌控財務並增強信心。跟蹤您的每日和每月現金流，創建儲蓄目標願望清單並獲取見解以幫助您實現這些目標。

TD Ready 建議中心提供有關各種金融主題和投資的信息和文章。

關於 TD 調查

這項 Maru 民意調查是代表道明銀行集團進行的，由 Maru/Blue 的樣本和數據管理專家於 2023 年 11 月 21 日至 12 月 6 日期間進行。該調查隨機抽取了 1,062 名加拿大老年人

25 歲以上（不包括學生）隨機抽取了 479 名過去 5 年內抵達加拿大的 25 歲以上新加拿大人（不包括學生），他們都是 Maru Voice Canada 在線小組成員。出於比較目的，1,062 個概率樣本的估計誤差幅度（衡量抽樣變異性）為 ± 3.0%，即 20 次中的 19 次。對於 479 個樣本，估計誤差幅度將為 ± 4.4%，19 20 次。

關於道明銀行集團

多倫多道明銀行及其子公司統稱為道明銀行集團（“TD”或“銀行”）。按資產計算，道明是北美第六大銀行，為全球金融中心多個地點的四大主要業務部門的超過 2,750 萬客戶提供服務： 加拿大個人和商業銀行業務，包括道明加拿大信托和道明汽車金融加拿大公司；美國零售業，包括道明銀行、美國最便利銀行®、道明汽車金融美國、道明財富（美國）以及對嘉信理財公司的投資；財富管理和保險，包括道明財富（加拿大）、道明自管投資和道明保險；批發銀行業務，包括道明證券 (TD Securities) 和道明考恩 (TD Cowen)。道明還躋身全球領先的在線金融服務公司之列，擁有超過 1600 萬活躍在線和移動客戶。截至 2023 年 10 月 31 日，TD 的資產為 1.96 萬億美元。多倫多道明銀行在多倫多和紐約證券交易所的交易代碼為“TD”。

Inflation and cost of living seen as 2024's biggest financial challenges by both established and new Canadians, new TD survey Français

https://www.newswire.ca/news-releases/inflation-and-cost-of-living-seen-as-2024-s-biggest-financial-challenges-by-both-established-and-new-canadians-new-td-survey-861101225.html

 

 BY TD Bank Group  Jan 18, 2024

58% of established Canadians expect inflation/cost of living to be the biggest financial challenges of 2024, with 38% of new Canadians thinking the same thing

TORONTO, Jan. 18, 2024 /CNW/ - With the new year underway, TD is sharing the results of a new survey conducted on behalf of TD, which looked at the 2024 financial outlook for established Canadian respondents (more than five years in Canada), and new Canadian respondents (zero to five years in Canada), aged 25+.

Higher household income doesn't always equate to a more positive financial outlook

Despite a higher percentage of established Canadians having a larger household income compared to new Canadians, the survey found that 36 per cent of established Canadians feel less positive about their 2024 financial outlook compared to 2023, with just 19 per cent feeling more positive. This is in contrast to new Canadians surveyed, with only 15 per cent feeling less positive about their 2024 financial outlook and 67 per cent feeling more positive, compared to 2023.

"With another uncertain economic year projected, it isn't surprising that many Canadians aren't feeling optimistic about their finances as we head into 2024", said Emily Ross, VP, Everyday Advice Journey at TD. "Despite what financial challenges may lay ahead, the survey also showed that, for many, there are ways to build their financial confidence", added Ross.

The key to optimism may be a difference in approach to financial planning

New Canadians appear to be approaching the new year not only with a more optimistic financial outlook, but also clearer financial goals, compared to established Canadians:

• 97 per cent of new Canadians have a financial new year's resolution, compared to 59 per cent of established Canadians
• New Canadians are also taking active steps to make their resolutions happen, with 92 per cent planning to cut their spending in the new year, compared with only 55 per cent of established Canadians

In addition, New Canadians are more likely to seek out regular professional financial advice:

• Of established Canadians who meet with a qualified financial professional, most (43%) only meet with them once a year
• Of new Canadians who meet with a qualified financial professional, most (53%) meet with them at least once a quarter

New Canadians are also more likely to take advantage of budgeting tools like a spreadsheet or mobile app to help with their finances:

• 29 per cent of established Canadians use budgeting tools like a spreadsheet or mobile app to help with their finances
• 66 per cent of New Canadians use budgeting tools like a spreadsheet or mobile app to help with their finances

"Respondents with a more optimistic financial outlook tended to take proactive steps to ensure their financial stability and success, such as an increased focus on planning and professional advice", added Ross. We know that measures like making financial resolutions, budgeting, using financial tools and meeting regularly with a qualified financial professional, are all effective ways to better ensure the security of your financial future, especially in challenging times."

Feeling better about your finances

As Canadians consider their current financial outlook and aim to chart a path for the new year, access to advice and insights from professionals is essential to taking the right approach.

TD offers tools and resources to help customers establish their financial goals, set personalized financial plans, and track their progress as they work towards achieving them:

• TD Personal Bankers are available across the country to offer financial advice and help customers with decisions around money matters, personal finances, and investments to help achieve their unique financial goals. 
• Using TD Goal Builder, a Personal Banker can provide customized investment advice to help customers work toward their financial goals, whether they're saving for retirement, a child's education, a home, or another major purchase.
• TD MySpend Take control of your savings and spending with the TD MySpend app, the tool that gives you financial control – and confidence – right at your fingertips. Track your daily and monthly cash flow, create a wishlist of savings goals and get insights to help you make these goals happen.
• The TD Ready Advice Hub has information and articles available on a variety of financial topics and investing.

About the TD Survey

This Maru Public Opinion survey was conducted on behalf of the TD Bank Group and undertaken between November 21 - 6 December, 2023, by the sample and data management experts at Maru/Blue. The survey ran among 1,062 randomly selected Canadians aged 25+ excluding students, 479 randomly selected New Canadians aged 25+ who arrived in Canada in the last 5 years excluding students, all who are Maru Voice Canada online panelists. For comparison purposes, a probability sample of 1,062 has an estimated margin of error (which measures sampling variability) of ± 3.0%, 19 times out of 20. For a sample of 479, the estimated margin of error would be ± 4.4%, 19 times out of 20.

About TD Bank Group

The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Group ("TD" or the "Bank"). TD is the sixth largest bank in North America by assets and serves over 27.5 million customers in four key businesses operating in a number of locations in financial centres around the globe: Canadian Personal and Commercial Banking, including TD Canada Trust and TD Auto Finance Canada; U.S. Retail, including TD Bank, America's Most Convenient Bank®, TD Auto Finance U.S., TD Wealth (U.S.), and an investment in The Charles Schwab Corporation; Wealth Management and Insurance, including TD Wealth (Canada), TD Direct Investing, and TD Insurance; and Wholesale Banking, including TD Securities and TD Cowen. TD also ranks among the world's leading online financial services firms, with more than 16 million active online and mobile customers. TD had $1.96 trillion in assets on October 31, 2023. The Toronto-Dominion Bank trades under the symbol "TD" on the Toronto and New York Stock Exchanges.

SOURCE TD Bank Group

For further information: Thomas Rigg, [e-mail]