Where to Invest Your $7,000 TFSA Contribution in 2025
Where to Invest Your $7,000 TFSA Contribution in 2025
The 2025 Tax-Free Savings Account (TFSA) limit is $7,000. Investors with some extra cash to put to work next year are wondering which TSX stocks might still be undervalued heading into 2025 and could be good to buy for a self-directed TFSA focused on passive income and long-term total returns.
2025年免税储蓄账户(TFSA)的限额为7,000美元。明年有一些额外现金可供投入的投资者想知道,到2025年,哪些多伦多证券交易所股票可能仍被低估,对于专注于被动收入和长期总回报的自管免税储蓄账户来说,哪些股票可能值得购买。
Fortis
富通
Fortis (TSX:FTS) is a Canadian utility company with operations located across Canada, the United States, and the Caribbean. The businesses include power-generation facilities, natural gas distribution utilities and electricity transmission networks. Fortis gets nearly all of its revenue from rate-regulated assets. This is important for dividend investors who want to own stocks that can sustain payouts.
富通(TSX: FTS)是一家加拿大公用事业公司,业务遍及加拿大、美国和加勒比地区。这些业务包括发电设施、天然气配送公用事业和输电网络。富通几乎所有的收入都来自利率监管资产。这对于想要拥有能够维持派息的股票的股息投资者来说很重要。
Fortis trades near $60 per share at the time of writing. The stock is up about 11% in the past six months but is down from the recent high close to $64.
在撰写本文时,富通的交易价格接近每股60美元。该股在过去六个月中上涨了约11%,但低于最近接近64美元的高点。
Fortis has a good track record of delivering growth through a combination of strategic acquisitions and internal development projects. The company hasn't made a large purchase for several years but is working on a $26 billion capital program. As the new assets are completed and go into service, Fortis expects the rate base to increase from $38.8 billion to $53 billion over five years. The boost to revenue and cash flow should support planned annual dividend increases of 4% to 6%.
富通在通过战略收购和内部开发项目相结合实现增长方面有着良好的记录。该公司已经有好几年没有进行大规模收购了,但正在制定一项260亿美元的资本计划。随着新资产的完工和投入使用,富通预计,利率基础将在五年内从388亿美元增加到530亿美元。收入和现金流的增加应支持计划中的年度股息增长4%至6%。
Fortis raised the dividend in each of the past 51 years. Investors who buy the stock at the current level can get a dividend yield of 4%.
富通在过去的51年中每年都提高股息。以当前水平购买股票的投资者可以获得4%的股息收益率。
Bank of Nova Scotia
新斯科舍银行
Bank of Nova Scotia (TSX:BNS) trades near $77 at the time of writing. The stock is up about 23% in the past six months but is still way off the $93 it reached in early 2022 at the top of the first bank stock rally that occurred after the pandemic crash.
在撰写本文时,新斯科舍银行(多伦多证券交易所股票代码:BNS)的交易价格接近77美元。该股在过去六个月中上涨了约23%,但仍与2022年初在疫情暴跌后首次银行股上涨的顶峰时达到的93美元相去甚远。
Bank of Nova Scotia has underperformed most of its large Canadian bank peers over the past decade. A new chief executive officer took over in 2023 and is making changes to help drive better returns for shareholders.
在过去的十年中,新斯科舍银行的表现低于大多数加拿大大型银行同行。新任首席执行官于2023年上任,并正在做出改变,以帮助提高股东的回报。
Bank of Nova Scotia trimmed staff by about 3% to reduce expenses and is shifting its growth investments to the United States and Canada. The bank announced a US$2.8 billion deal in 2024 to buy a 14.9% stake in KeyCorp, a U.S. regional bank. Bank of Nova Scotia also created a new executive position to oversee expansion in Quebec.
新斯科舍银行裁员约3%以减少开支,并正在将其增长投资转移到美国和加拿大。该银行在2024年宣布了一项28亿美元的协议,收购美国地区银行KeyCorp14.9%的股份。新斯科舍银行还设立了一个新的行政职位,以监督魁北克的扩张。
Previously, Bank of Nova Scotia invested billions of dollars to buy banks and credit card portfolios in Latin America. Growth potential in Chile, Colombia, Mexico, and Peru is arguably attractive as the middle class expands, but the big bets haven't paid off for shareholders. Economic and political uncertainty are always present in these markets. As such, bank investors have largely preferred to own other Canadian banks.
此前,新斯科舍银行投资数十亿美元收购拉丁美洲的银行和信用卡投资组合。随着中产阶级的扩张,智利、哥伦比亚、墨西哥和秘鲁的增长潜力可以说具有吸引力,但大赌注并没有为股东带来回报。这些市场中始终存在经济和政治不确定性。因此,银行投资者在很大程度上更愿意拥有其他加拿大银行。
Investors who buy BNS stock at the current price can get a dividend yield of 5.5%, so you get paid well to wait for the turnaround efforts to deliver results.
以当前价格购买BNS股票的投资者可以获得5.5%的股息收益率,因此您可以获得丰厚的报酬,等待周转努力取得成果。
The bottom line on top TSX stocks for a TFSA
TFSA顶级多伦多证券交易所股票的底线
Fortis and Bank of Nova Scotia are good examples of TSX stocks that pay attractive dividends that should continue to grow. If you have some cash to put to work in a TFSA, these stocks deserve to be on your radar.
富通和新斯科舍银行是多伦多证券交易所股票的好例子,这些股票支付了诱人的股息,而且应该会继续增长。如果你有一些现金可以在免税储蓄账户中使用,那么这些股票值得你关注。