通货膨胀和生活成本被加拿大人视为财务挑战

道明银行最新调查显示，通货膨胀和生活成本被老加拿大人和新移民视为 2024 年最大的财务挑战
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：道明银行集团 2024 年 1 月 18 日

58% 的老加拿大人预计通胀/生活成本将成为 2024 年最大的财务挑战，38% 的新加拿大人也有同样的想法

多伦多，2024 年 1 月 18 日 /CNW/ - 随着新年的到来，道明银行正在分享代表道明银行进行的一项新调查的结果，该调查着眼于成熟的加拿大受访者（在加拿大工作五年以上）的 2024 年财务前景），以及年龄 25 岁以上的新加拿大受访者（在加拿大零到五年）。

较高的家庭收入并不总是意味着更积极的财务前景

尽管与新加拿大人相比，家庭收入较高的老加拿大人比例较高，但调查发现，与 2023 年相比，36% 的老加拿大人对 2024 年的财务前景感到不太乐观，只有 19% 的人感觉更乐观。这与接受调查的新加拿大人形成鲜明对比，与 2023 年相比，只有 15% 的加拿大人对 2024 年的财务前景感觉不太乐观，67% 的人感觉更乐观。

道明银行日常建议之旅副总裁艾米丽·罗斯 (Emily Ross) 表示：“预计又一个不确定的经济年，在进入 2024 年之际，许多加拿大人对自己的财务状况并不乐观，这并不奇怪。”罗斯补充道：“尽管未来可能面临财务挑战，但调查还表明，对于许多人来说，有办法建立财务信心。”

乐观的关键可能是财务规划方法的不同

与老牌加拿大人相比，新加拿大人似乎不仅以更乐观的财务前景迎接新的一年，而且也有了更明确的财务目标：

97% 的新加拿大人有新年财务决心，而老加拿大人的这一比例为 59%

新加拿大人也在采取积极措施来实现他们的决心，92% 的人计划在新的一年削减开支，而老加拿大人中只有 55% 计划削减开支

此外，新加拿大人更有可能寻求定期的专业财务建议：

在与合格金融专业人士会面的加拿大人中，大多数 (43%) 每年只与他们会面一次
在与合格金融专业人士会面的新加拿大人中，大多数 (53%) 每季度至少与他们会面一次
新加拿大人也更有可能利用电子表格或移动应用程序等预算工具来帮助处理财务问题：

29% 的加拿大人使用电子表格或移动应用程序等预算工具来帮助管理财务

66% 的新加拿大人使用电子表格或移动应用程序等预算工具来帮助处理财务问题

罗斯补充道：“财务前景较为乐观的受访者往往会采取积极主动的措施来确保财务稳定和成功，例如更加注重规划和专业建议。”我们知道，制定财务决议、制定预算、使用金融工具以及定期与合格的财务专业人士会面等措施，都是更好地确保您的财务未来安全的有效方法，尤其是在充满挑战的时期。”

对您的财务状况感觉更好

当加拿大人考虑当前的财务前景并计划为新的一年制定道路时，获得专业人士的建议和见解对于采取正确的方法至关重要。

道明提供工具和资源来帮助客户建立财务目标、制定个性化财务计划并跟踪他们实现目标的进度：

道明个人银行专员在全国范围内提供财务建议，并帮助客户做出有关金钱事务、个人理财和投资的决策，以帮助他们实现独特的财务目标。

使用道明目标生成器，个人银行家可以提供定制的投资建议，帮助客户实现财务目标，无论他们是为退休、孩子的教育、购房还是其他重大购买进行储蓄。

TD MySpend 使用 TD MySpend 应用程序控制您的储蓄和支出，该工具可让您轻松掌控财务并增强信心。跟踪您的每日和每月现金流，创建储蓄目标愿望清单并获取见解以帮助您实现这些目标。

TD Ready 建议中心提供有关各种金融主题和投资的信息和文章。

关于 TD 调查

这项 Maru 民意调查是代表道明银行集团进行的，由 Maru/Blue 的样本和数据管理专家于 2023 年 11 月 21 日至 12 月 6 日期间进行。该调查随机抽取了 1,062 名加拿大老年人

25 岁以上（不包括学生）随机抽取了 479 名过去 5 年内抵达加拿大的 25 岁以上新加拿大人（不包括学生），他们都是 Maru Voice Canada 在线小组成员。出于比较目的，1,062 个概率样本的估计误差幅度（衡量抽样变异性）为 ± 3.0%，即 20 次中的 19 次。对于 479 个样本，估计误差幅度将为 ± 4.4%，19 20 次。

关于道明银行集团

多伦多道明银行及其子公司统称为道明银行集团（“TD”或“银行”）。按资产计算，道明是北美第六大银行，为全球金融中心多个地点的四大主要业务部门的超过 2,750 万客户提供服务： 加拿大个人和商业银行业务，包括道明加拿大信托和道明汽车金融加拿大公司；美国零售业，包括道明银行、美国最便利银行®、道明汽车金融美国、道明财富（美国）以及对嘉信理财公司的投资；财富管理和保险，包括道明财富（加拿大）、道明自管投资和道明保险；批发银行业务，包括道明证券 (TD Securities) 和道明考恩 (TD Cowen)。道明还跻身全球领先的在线金融服务公司之列，拥有超过 1600 万活跃在线和移动客户。截至 2023 年 10 月 31 日，TD 的资产为 1.96 万亿美元。多伦多道明银行在多伦多和纽约证券交易所的交易代码为“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]