Despite Confidence in Financial Habits, Canadians Continue to Make Money Mistakes, Reveals RBC Survey
Despite Confidence in Financial Habits, Canadians Continue to Make Money Mistakes, Reveals RBC Survey
75% say they have strong financial habits, yet 73% admit to actions over the last year that could be hurting their financial wellbeing
75％的人表示他们有良好的财务习惯，但有73％的人承认去年的行为可能会损害他们的财务状况
TORONTO, Sept. 10, 2024 - There is a paradox in Canadians' financial behaviour, according to RBC's new Financial Habits Poll. While a significant 75% of respondents believe they possess good financial habits, with 62% rating their habits as above average compared to their friends and family, the data uncovers a different reality.
多伦多，2024年9月10日——加拿大皇家银行新的财务习惯民意调查显示，加拿大人的财务行为存在矛盾。尽管有相当多的75％的受访者认为他们拥有良好的财务习惯，与朋友和家人相比，有62％的受访者将自己的习惯评为高于平均水平，但数据揭示了不同的现实。
Over the past year, more than a third of respondents confessed to not setting financial goals (38%), not dedicating time to financial planning (37%) and failing to monitor their expenses (34%) – all of which are essential habits for financial wellbeing. One-in-five (21%) even admit to simply ignoring money issues when they come up. These findings highlight a discrepancy between how Canadians feel about the steps they are taking to manage their money and the practice of building and sticking to good financial habits.
在过去的一年中，超过三分之一的受访者承认没有设定财务目标（38％），没有花时间进行财务规划（37％），没有监控开支（34％）——所有这些都是保持财务健康的基本习惯。五分之一（21％）的人甚至承认在金钱问题出现时完全忽略了这些问题。这些发现凸显了加拿大人对所采取的资金管理措施的看法与养成和坚持良好财务习惯的做法之间的差异。
"There is a concerning gap between perceived confidence and actions when it comes to Canadians' financial habits," says Peter Tilton, chief digital officer, Personal & Commercial Banking at RBC. "RBC is committed to helping our clients close that gap and improve their financial wellbeing."
加拿大皇家银行个人和商业银行首席数字官彼得·蒂尔顿说：“就加拿大人的财务习惯而言，人们的信心与行动之间存在令人担忧的差距。”“加拿大皇家银行致力于帮助我们的客户缩小差距并改善他们的财务状况。”
Good financial habits can improve your wellbeing
The study also showed that Canadians are acutely aware of the positive impact that good financial habits can have on their overall wellbeing, with a significant majority (81%) acknowledging this connection. However, the challenge of finding time to cultivate these habits is a common struggle, with two-in-five (39%) Canadians citing this as a barrier.
良好的财务习惯可以改善你的健康状况
该研究还表明，加拿大人敏锐地意识到良好的财务习惯可以对他们的整体健康产生积极影响，绝大多数（81％）的人承认这种联系。但是，抽出时间养成这些习惯是一项常见的挑战，五分之二（39％）的加拿大人认为这是一个障碍。
One-third (34%) of respondents also admit to struggling with making good financial habits stick. A concerning 12% of Canadians report that they never dedicate time to fostering good financial habits, and nearly half (48%) only do so once a month or less. Despite these challenges, three-quarters (76%) of Canadians recognize that good financial habits have made them more resilient during times of economic uncertainty. This data underscores the importance of ongoing efforts to support Canadians in their journey towards improved financial wellbeing.
三分之一（34％）的受访者也承认在保持良好的财务习惯方面遇到了困难。大约12％的加拿大人报告说，他们从未花时间养成良好的财务习惯，而将近一半（48％）的人每月只花一次或更少的时间。尽管面临这些挑战，但四分之三（76％）的加拿大人认识到，在经济不确定时期，良好的财务习惯使他们更具弹性。这些数据突显了持续努力支持加拿大人改善财务状况的重要性。
"While setting financial goals and adopting good financial habits takes time and may seem difficult at first, you don't have to do it alone," says Tilton. "With the help of our world-class digital capabilities like NOMI, clients can automate savings, take the manual calculator work out of setting up and tracking a budget, and even forecast future cashflow. It empowers clients with insights and easy ways to incorporate good financial habits everyday, which can make them feel better and more confident in managing their money."
蒂尔顿说：“虽然设定财务目标和养成良好的财务习惯需要时间，而且起初可能看起来很困难，但你不必独自完成。”“借助我们世界一流的数字能力，例如NOMI，客户可以自动储蓄，在设置和跟踪预算时省去手动计算器的工作，甚至预测未来的现金流。它为客户提供了见解和简单的方法，使他们每天都能养成良好的财务习惯，这可以使他们在管理资金时感觉更好，更有信心。”
NOMI can reduce friction in managing money
While the poll found that the majority (55%) of respondents aren't always confident in their financial decisions and 38% stress about their finances at least weekly (for 9% it's multiple times a day), RBC's NOMI can help.
NOMI 可以减少资金管理方面的摩擦
尽管民意调查发现，大多数（55％）的受访者并不总是对自己的财务决策充满信心，38％的受访者至少每周都会对自己的财务状况感到压力（9％的人每天多次），但加拿大皇家银行的NOMI可以提供帮助。
NOMI, a globally recognized and award-winning suite of capabilities, uses artificial intelligence to deliver personalized insights to help clients build confidence in managing their money.
NOMI 是一套全球认可且屡获殊荣的功能，它使用人工智能提供个性化见解，帮助客户建立管理资金的信心。
"NOMI has been enormously successful with our clients, playing a big part in tailoring their experience in the RBC Mobile app," says Tilton. "All the data-driven insights generated are hyper-personalized to our client's individual finances. The intent is to help them manage their everyday finances by removing the friction associated with making good financial routines stick."
蒂尔顿说：“NOMI在我们的客户中取得了巨大成功，在定制他们在加拿大皇家银行移动应用程序中的体验方面发挥了重要作用。”“生成的所有数据驱动见解都针对客户的个人财务状况进行了超个性化设置。其目的是通过消除与保持良好财务习惯相关的摩擦来帮助他们管理日常财务。”
For example, NOMI Find & Save uses predictive technology to find money clients can spare and automatically sets it aside for them. Since it launched in 2017, NOMI Find & Save has helped clients put aside approximately $6.5 billion into savings. Clients using this feature have saved on average around $495/month—adding up to approximately $5,900 per year.
例如，NOMI Find & Save 使用预测技术来寻找客户可以腾出的钱，并自动为他们预留资金。自2017年推出以来，NOMI Find & Save已帮助客户拨出约65亿美元用于储蓄。使用此功能的客户平均每月节省了约495美元，每年加起来约为5,900美元。
NOMI Insights for RBC InvestEase helps clients start and stick to their savings and investing strategies with timely nudges when spare cash is available. NOMI Budgets sets and keeps track of a variety of expenses, from groceries to household to entertainment. And NOMI Forecast provides clients with a quick seven-day view into their future cashflow, showing upcoming preauthorized payments from any RBC deposit account. More information about all the NOMI capabilities is available at .
加拿大皇家银行Investease的NOMI Insights可帮助客户在有剩余现金时及时推动储蓄和投资策略，并开始并坚持自己的储蓄和投资策略。NOMI Budgets 设定并跟踪各种支出，从杂货到家庭再到娱乐。NOMI Forecast还为客户提供了对未来现金流的快速七天视图，显示了来自任何加拿大皇家银行存款账户的预先授权款项。有关所有 NOMI 功能的更多信息，请访问。
2024 RBC Financial Habits Poll
2024 年加拿大皇家银行财务习惯民意调查
RESPONSE |
CAN |
BC |
AB |
SK / |
ON |
QC |
AC |
"Agree" | |||||||
I have good financial habits |
75 % |
79 % |
76 % |
75 % |
74 % |
74 % |
71 % |
When I compare myself to my family and friends, my financial habits are above average |
62 % |
63 % |
64 % |
57 % |
65 % |
57 % |
59 % |
Building better financial habits would increase my overall wellbeing |
81 % |
84 % |
89 % |
88 % |
85 % |
66 % |
88 % |
My financial habits have made me more resilient during times of economic uncertainty |
76 % |
78 % |
76 % |
74 % |
76 % |
76 % |
76 % |
I struggle to find the time to maintain good financial habits |
39 % |
38 % |
41 % |
42 % |
40 % |
35 % |
40 % |
I can't seem to make good financial habits stick |
34 % |
31 % |
42 % |
40 % |
35 % |
31 % |
33 % |
I'm not always confident in my financial decisions |
55 % |
49 % |
67 % |
62 % |
60 % |
45 % |
52 % |
RESPONSE |
CAN |
BC |
AB |
SK / |
ON |
QC |
AC |
"Yes" | |||||||
NET: At least one of the financial habits below have occurred in my financial routines in the past year |
73 % |
73 % |
78 % |
72 % |
76 % |
69 % |
68 % |
Not keeping track of my expenses |
34 % |
36 % |
33 % |
34 % |
38 % |
26 % |
35 % |
Not allocating time to plan my finances |
37 % |
38 % |
47 % |
30 % |
40 % |
33 % |
31 % |
Ignoring my money issues |
21 % |
19 % |
28 % |
22 % |
21 % |
18 % |
21 % |
Spending more than I earn on non-essential purchases |
27 % |
28 % |
30 % |
26 % |
27 % |
25 % |
24 % |
Missing a bill payment |
16 % |
14 % |
18 % |
16 % |
16 % |
17 % |
15 % |
Not saving or investing even when I have money to do so |
28 % |
23 % |
34 % |
33 % |
30 % |
26 % |
23 % |
RESPONSE |
CAN |
BC |
AB |
SK / |
ON |
QC |
AC |
"Agree" | |||||||
Constantly comparing how I'm doing financially to others |
33 % |
28 % |
40 % |
27 % |
36 % |
32 % |
31 % |
Spending what I want now without thinking about my financial future |
32 % |
30 % |
34 % |
31 % |
36 % |
28 % |
29 % |
Not setting financial goals for the short or long term |
38 % |
36 % |
40 % |
29 % |
41 % |
37 % |
35 % |
Not having a clear understanding of my cash flow |
22 % |
22 % |
23 % |
20 % |
23 % |
21 % |
27 % |
RESPONSE |
CAN |
BC |
AB |
SK / |
ON |
QC |
AC |
"On average, how often do you do the following" | |||||||
Multiple times a day - I stress about my personal finances |
9 % |
6 % |
11 % |
8 % |
10 % |
6 % |
10 % |
At least weekly - I stress about my personal finances |
38 % |
35 % |
45 % |
30 % |
40 % |
38 % |
35 % |
Never - I spend time working on creating good financial habits |
12 % |
12 % |
7 % |
13 % |
13 % |
11 % |
17 % |
Once a month or less - I spend time working on creating good financial habits |
48 % |
54 % |
49 % |
52 % |
47 % |
47 % |
37 % |
回应 |
能够 |
公元前 |
AB |
Sk/ |
上 |
QC |
AC |
“同意” | |||||||
我有良好的财务习惯 |
75% |
79% |
76% |
75% |
74% |
74% |
71% |
当我将自己与家人和朋友进行比较时，我的财务习惯高于平均水平 |
62% |
63% |
64% |
57% |
65% |
57% |
59% |
养成更好的财务习惯会改善我的整体健康状况 |
81% |
84% |
89% |
88% |
85% |
66% |
88% |
在经济不确定时期，我的财务习惯使我更具韧性 |
76% |
78% |
76% |
74% |
76% |
76% |
76% |
我很难抽出时间保持良好的财务习惯 |
39% |
38% |
41% |
42% |
40% |
35% |
40% |
我似乎无法养成良好的财务习惯 |
34% |
31% |
42% |
40% |
35% |
31% |
33% |
我对自己的财务决策并不总是充满信心 |
55% |
49% |
67% |
62% |
60% |
45% |
52% |
回应 |
能够 |
公元前 |
AB |
Sk/ |
上 |
QC |
AC |
“是的” | |||||||
NET：在过去的一年中，我的财务生活中至少出现了以下一种财务习惯 |
73% |
73% |
78% |
72% |
76% |
69% |
68% |
没有记录我的开支 |
34% |
36% |
33% |
34% |
38% |
26% |
35% |
没分配时间来规划我的财务 |
37% |
38% |
47% |
30% |
40% |
33% |
31% |
忽略我的金钱问题 |
21% |
19% |
28% |
22% |
21% |
18% |
21% |
在非必需品上花的钱比我赚的多 |
27% |
28% |
30% |
26% |
27% |
25% |
24% |
错过账单付款 |
16% |
14% |
18% |
16% |
16% |
17% |
15% |
即使我有钱也不能储蓄或投资 |
28% |
23% |
34% |
33% |
30% |
26% |
23% |
回应 |
能够 |
公元前 |
AB |
Sk/ |
上 |
QC |
AC |
“同意” | |||||||
不断将我的财务状况与他人进行比较 |
33% |
28% |
40% |
27% |
36% |
32% |
31% |
在不考虑财务前景的情况下花我现在想要的东西 |
32% |
30% |
34% |
31% |
36% |
28% |
29% |
没有设定短期或长期的财务目标 |
38% |
36% |
40% |
29% |
41% |
37% |
35% |
对我的现金流没有清晰的了解 |
22% |
22% |
23% |
20% |
23% |
21% |
27% |
回应 |
能够 |
公元前 |
AB |
Sk/ |
上 |
QC |
AC |
“平均而言，你多久做一次以下事情” | |||||||
每天多次 —— 我强调自己的个人财务状况 |
9% |
6% |
11% |
8% |
10% |
6% |
10% |
至少每周一次 —— 我强调自己的个人财务状况 |
38% |
35% |
45% |
30% |
40% |
38% |
35% |
永远不要——我花时间努力养成良好的财务习惯 |
12% |
12% |
7% |
13% |
13% |
11% |
17% |
每月一次或更短的时间——我花时间努力养成良好的财务习惯 |
48% |
54% |
49% |
52% |
47% |
47% |
37% |
About the 2024 RBC Financial Habits Poll
These findings are from a survey conducted by RBC from July 12 to July 16, 2024, among a representative sample of 1,505 online Canadians who are members of the Angus Reid Forum. The survey was conducted in English and French. For comparison purposes only, a probability sample of this size would carry a margin of error of ±2.53 percentage points, 19 times out of 20.
关于 2024 年加拿大皇家银行财务习惯民意调查
这些发现来自加拿大皇家银行于2024年7月12日至7月16日进行的一项调查，该调查对象是安格斯·里德论坛成员的1,505名在线加拿大人的代表性样本。该调查以英语和法语进行。仅出于比较目的，这种规模的概率样本的误差幅度为±2.53个百分点，占20个百分点中的19倍。
About RBC
Royal Bank of Canada is a global financial institution with a purpose-driven, principles-led approach to delivering leading performance. Our success comes from the 100,000+ employees who leverage their imaginations and insights to bring our vision, values and strategy to life so we can help our clients thrive and communities prosper. As Canada's biggest bank and one of the largest in the world, based on market capitalization, we have a diversified business model with a focus on innovation and providing exceptional experiences to our more than 18 million clients in Canada, the U.S. and 27 other countries. Learn more at rbc.com.
关于加拿大皇家银行
加拿大皇家银行是一家全球金融机构，以目标为导向、以原则为导向的方法来实现领先的业绩。我们的成功来自于100,000多名员工，他们利用自己的想象力和洞察力将我们的愿景、价值观和战略变为现实，这样我们就可以帮助客户蓬勃发展，社区繁荣。作为加拿大最大的银行和世界上最大的银行之一，按市值计算，我们拥有多元化的商业模式，专注于创新，为加拿大、美国和其他27个国家的1800万多名客户提供卓越的体验。在 rbc.com 上了解更多信息。
We are proud to support a broad range of community initiatives through donations, community investments and employee volunteer activities. See how at rbc.com/community-social-impact.
我们很自豪能够通过捐款、社区投资和员工志愿者活动来支持广泛的社区倡议。请访问 rbc.com/community-social-impact 了解详情。
For more information, please contact
欲了解更多信息，请联系
Joel Dembe, Corporate Communications, 647-518-4981
Joel Dembe，企业传播，647-518-4981
