Here's the Average TFSA Balance in 2024
Here's the Average TFSA Balance in 2024
Have you ever wondered what the average TFSA balance is?
你是否曾想過，TFSA的平均餘額是多少？
It might sound like trivial information, but in some ways it could be useful to know. For example, it could help you measure your own savings progress. In this article, I will share the best estimate of the average TFSA balance in 2024, courtesy of a major Canadian bank.
從某些方面來說，這聽起來像是瑣碎的信息，但是知道這個數字可能會對你有所幫助。例如，它可以幫助你衡量自己的儲蓄進展。在本文中，我將分享一家加拿大主要銀行提供的2024年TFSA平均餘額的最佳估算結果。
About $41,000
約41,000美元
According to estimates from the Bank of Montreal, the average Canadian has about $41,000 in their TFSA. That comes from a survey of 1,510 randomly chosen Canadians conducted by a professional polling firm â in other words, this wasn't some simple straw poll of BMO's customers. The survey had a reasonably good chance of sampling "average" Canadians.
根據蒙特利爾銀行的估計，加拿大人的TFSA平均餘額約爲41,000美元。這是由一家專業的民意測驗公司對1,510名隨機選擇的加拿大人進行的一項調查得出的，換句話說，這不是蒙特利爾銀行客戶的簡單草根調查。這項調查有相當大的機會對“普通”加拿大人進行採樣，因此估計結果可能相當可靠。
So, the estimate was probably reliable. BMO's survey revealed a number of other useful tidbits of information too, such as the following:
因此，這個估計結果可能很可靠。蒙特利爾銀行的調查還揭示了其他有用的信息，如下所示：
- The average TFSA balance has risen 53% since 2018, when it stood at $27,053.
- The average TFSA balance rose 9% from 2022 to 2023.
- Average monthly living expenses increased by $397 per month in the same period.
- 自2018年以來，TFSA的平均餘額已經上升了53％，當時它爲27,053美元。
- 從2022年到2023年，TFSA的平均餘額上漲了9％。
- 同期平均月生活費用增加了397美元。
So, Canadians' TFSA balances rose considerably in 2023, but their living expenses increased even more. The 2023 annual increase in TFSA balances was about $3,464 per average account. If you invest $3,464 successfully at an ultra-high 10% yield, you get $346 per year, which is $51 less than the 2023 increase in monthly living expenses. A fully invested $95,000 TFSA, invested at a 5% yield or return, only produces $4,750 in income per year, which doesn't cover the 2023 increase in monthly living expenses on an annualized basis ($4,764).
因此，加拿大人的TFSA餘額在2023年大幅上升，但是他們的生活費用增加更多。2023年TFSA餘額的年度增加約爲每個帳戶3,464美元。如果您以10％的超高收益率成功投資3,464美元，則可獲得346美元的收益，這比2023年月生活費用增加少51美元。以5％的收益率或回報完全投資於95,000美元的TFSA每年僅產生4,750美元的收入，這並不能覆蓋年化基礎上2023年增加的月生活費用（4,764美元）。
What all this means is that Canadians' TFSAs are not growing at a rate commensurate with their rise in monthly living expenses. That's a tough reality for some but, as you're about to see, your TFSA could make a pretty big difference in your life if you use it intelligently.
所有這些都意味着加拿大人的TFSA的增長速度與月生活費用上漲的速度不相稱。這對某些人來說是個艱難的現實，但正如您將要看到的，如果您智能地使用它，您的TFSA可能會對您的生活產生相當大的影響。
How far $41,510 could take you
41,510美元能帶您走多遠
While your TFSA is unlikely to cover all of your living expenses (or even your annual increase in living expenses) any time soon, it could still help you reach your long-term savings goals.
雖然您的TFSA不太可能很快覆蓋您的所有生活費用（甚至不包括您的年度生活費用增長），但它仍然可以幫助您實現長期儲蓄目標。
Let's imagine that you invested $41,000 into Alimentation Couche-Tard (TSX:ATD) five years ago. Enough TFSA contribution room had accumulated by that point for $41,000 to have been invested into ATD, even if you'd just recently contributed the money and realized no gains (you'd have to have been a certain age, however).
假設您五年前將41,000美元投資到蒂瑪餐飲（tsx:atd）中。截至那時，已積累足夠的TFSA貢獻空間可以將41,000美元投資到ATD中，即使您剛投入資金並沒有獲得任何收益（不過您必須年齡達到一定的年齡）。
In the last five years, ATD approximately doubled in price, going from $41.97 to $81.49. More specifically, the exact increase in the price was 94%, which would have turned a $41,510 TFSA invested in the stock into $80,529, plus some small dividends. That $39,109 increase over five years' time would actually go a long way in paying for your living expenses. Specifically, $39,109 is $7804 per year, or $650 per month â 86% of the average single Canadian's non-housing living expenses ($750 per month).
在過去的五年中，蒂瑪餐飲的股價大約翻了一番，從41.97美元漲到81.49美元。更具體地說，價格的確切增長爲94％，這將使41,510美元的TFSA投資股票成爲80,529美元，並獲得了一些小型分紅派息。這五年時間中的39,109美元增長實際上可以在支付您的生活費用方面產生很大的作用，具體而言，39,109美元每年可以產生7,804美元或每月650美元，這佔到了單身加拿大人非住房生活費用的86％（每月750美元）。
None of this means to imply that you should go out and invest your TFSA into an all-ATD portfolio. Investors need to diversify to reduce risk; the Motley Fool generally recommends an at-minimum 25 stock portfolio. The choice of Alimentation Couche-Tard stock here simply serves to illustrate the effects of compounding â though including the stock as a part of your diversified portfolio may be okay.
這並不表示您應該去將TFSA全部投資到ATD組合中。投資者需要分散風險以降低風險；作爲“愚人節”，這裏通常建議至少持有25支股票的投資組合。在此，蒂瑪餐飲的股票選擇僅用於說明覆合效應的影響-儘管將該股票作爲您的多樣化投資組合的一部分也可能可以。
The post Here's the Average TFSA Balance in 2024 appeared first on The Motley Fool Canada.
這是2024年TFSA平均餘額變化情況的一篇報道，首發於《愚人節加拿大》。