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％的人表示他們有良好的財務習慣，但有73％的人承認去年的行爲可能會損害他們的財務狀況
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.
多倫多，2024年9月10日——加拿大皇家銀行新的財務習慣民意調查顯示，加拿大人的財務行爲存在矛盾。儘管有相當多的75％的受訪者認爲他們擁有良好的財務習慣，與朋友和家人相比，有62％的受訪者將自己的習慣評爲高於平均水平，但數據揭示了不同的現實。
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.
在過去的一年中，超過三分之一的受訪者承認沒有設定財務目標（38％），沒有花時間進行財務規劃（37％），沒有監控開支（34％）——所有這些都是保持財務健康的基本習慣。五分之一（21％）的人甚至承認在金錢問題出現時完全忽略了這些問題。這些發現凸顯了加拿大人對所採取的資金管理措施的看法與養成和堅持良好財務習慣的做法之間的差異。
"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."
加拿大皇家銀行個人和商業銀行首席數字官彼得·蒂爾頓說：「就加拿大人的財務習慣而言，人們的信心與行動之間存在令人擔憂的差距。」「加拿大皇家銀行致力於幫助我們的客戶縮小差距並改善他們的財務狀況。」
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.
良好的財務習慣可以改善你的健康狀況
該研究還表明，加拿大人敏銳地意識到良好的財務習慣可以對他們的整體健康產生積極影響，絕大多數（81％）的人承認這種聯繫。但是，抽出時間養成這些習慣是一項常見的挑戰，五分之二（39％）的加拿大人認爲這是一個障礙。
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％）的受訪者也承認在保持良好的財務習慣方面遇到了困難。大約12％的加拿大人報告說，他們從未花時間養成良好的財務習慣，而將近一半（48％）的人每月只花一次或更少的時間。儘管面臨這些挑戰，但四分之三（76％）的加拿大人認識到，在經濟不確定時期，良好的財務習慣使他們更具彈性。這些數據突顯了持續努力支持加拿大人改善財務狀況的重要性。
"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."
蒂爾頓說：「雖然設定財務目標和養成良好的財務習慣需要時間，而且起初可能看起來很困難，但你不必獨自完成。」「藉助我們世界一流的數字能力，例如NOMI，客戶可以自動儲蓄，在設置和跟蹤預算時省去手動計算器的工作，甚至預測未來的現金流。它爲客戶提供了見解和簡單的方法，使他們每天都能養成良好的財務習慣，這可以使他們在管理資金時感覺更好，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 可以減少資金管理方面的摩擦
儘管民意調查發現，大多數（55％）的受訪者並不總是對自己的財務決策充滿信心，38％的受訪者至少每週都會對自己的財務狀況感到壓力（9％的人每天多次），但加拿大皇家銀行的NOMI可以提供幫助。
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 是一套全球認可且屢獲殊榮的功能，它使用人工智能提供個性化見解，幫助客戶建立管理資金的信心。
"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."
蒂爾頓說：「NOMI在我們的客戶中取得了巨大成功，在定製他們在加拿大皇家銀行移動應用程序中的體驗方面發揮了重要作用。」「生成的所有數據驅動見解都針對客戶的個人財務狀況進行了超個性化設置。其目的是通過消除與保持良好財務習慣相關的摩擦來幫助他們管理日常財務。」
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 使用預測技術來尋找客戶可以騰出的錢，並自動爲他們預留資金。自2017年推出以來，NOMI Find & Save已幫助客戶撥出約65億美元用於儲蓄。使用此功能的客戶平均每月節省了約495美元，每年加起來約爲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 .
加拿大皇家銀行Investease的NOMI Insights可幫助客戶在有剩餘現金時及時推動儲蓄和投資策略，並開始並堅持自己的儲蓄和投資策略。NOMI Budgets 設定並跟蹤各種支出，從雜貨到家庭再到娛樂。NOMI Forecast還爲客戶提供了對未來現金流的快速七天視圖，顯示了來自任何加拿大皇家銀行存款帳戶的預先授權款項。有關所有 NOMI 功能的更多信息，請訪問。
2024 RBC Financial Habits Poll
2024 年加拿大皇家銀行財務習慣民意調查
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 % |
回應 |
能夠 |
公元前 |
AB |
Sk/ |
上 |
QC |
AC |
「同意」 | |||||||
我有良好的財務習慣 |
75% |
79% |
76% |
75% |
74% |
74% |
71% |
當我將自己與家人和朋友進行比較時，我的財務習慣高於平均水平 |
62% |
63% |
64% |
57% |
65% |
57% |
59% |
養成更好的財務習慣會改善我的整體健康狀況 |
81% |
84% |
89% |
88% |
85% |
66% |
88% |
在經濟不確定時期，我的財務習慣使我更具韌性 |
76% |
78% |
76% |
74% |
76% |
76% |
76% |
我很難抽出時間保持良好的財務習慣 |
39% |
38% |
41% |
42% |
40% |
35% |
40% |
我似乎無法養成良好的財務習慣 |
34% |
31% |
42% |
40% |
35% |
31% |
33% |
我對自己的財務決策並不總是充滿信心 |
55% |
49% |
67% |
62% |
60% |
45% |
52% |
回應 |
能夠 |
公元前 |
AB |
Sk/ |
上 |
QC |
AC |
「是的」 | |||||||
NET：在過去的一年中，我的財務生活中至少出現了以下一種財務習慣 |
73% |
73% |
78% |
72% |
76% |
69% |
68% |
沒有記錄我的開支 |
34% |
36% |
33% |
34% |
38% |
26% |
35% |
沒分配時間來規劃我的財務 |
37% |
38% |
47% |
30% |
40% |
33% |
31% |
忽略我的金錢問題 |
21% |
19% |
28% |
22% |
21% |
18% |
21% |
在非必需品上花的錢比我賺的多 |
27% |
28% |
30% |
26% |
27% |
25% |
24% |
錯過賬單付款 |
16% |
14% |
18% |
16% |
16% |
17% |
15% |
即使我有錢也不能儲蓄或投資 |
28% |
23% |
34% |
33% |
30% |
26% |
23% |
回應 |
能夠 |
公元前 |
AB |
Sk/ |
上 |
QC |
AC |
「同意」 | |||||||
不斷將我的財務狀況與他人進行比較 |
33% |
28% |
40% |
27% |
36% |
32% |
31% |
在不考慮財務前景的情況下花我現在想要的東西 |
32% |
30% |
34% |
31% |
36% |
28% |
29% |
沒有設定短期或長期的財務目標 |
38% |
36% |
40% |
29% |
41% |
37% |
35% |
對我的現金流沒有清晰的了解 |
22% |
22% |
23% |
20% |
23% |
21% |
27% |
回應 |
能夠 |
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 —— 我強調自己的個人財務狀況 |
9% |
6% |
11% |
8% |
10% |
6% |
10% |
至少每週一次 —— 我強調自己的個人財務狀況 |
38% |
35% |
45% |
30% |
40% |
38% |
35% |
永遠不要——我花時間努力養成良好的財務習慣 |
12% |
12% |
7% |
13% |
13% |
11% |
17% |
每月一次或更短的時間——我花時間努力養成良好的財務習慣 |
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.
關於 2024 年加拿大皇家銀行財務習慣民意調查
這些發現來自加拿大皇家銀行於2024年7月12日至7月16日進行的一項調查，該調查對象是安格斯·裏德論壇成員的1,505名在線加拿大人的代表性樣本。該調查以英語和法語進行。僅出於比較目的，這種規模的概率樣本的誤差幅度爲±2.53個百分點，佔20個百分點中的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.
關於加拿大皇家銀行
加拿大皇家銀行是一家全球金融機構，以目標爲導向、以原則爲導向的方法來實現領先的業績。我們的成功來自於100,000多名員工，他們利用自己的想象力和洞察力將我們的願景、價值觀和戰略變爲現實，這樣我們就可以幫助客戶蓬勃發展，社區繁榮。作爲加拿大最大的銀行和世界上最大的銀行之一，按市值計算，我們擁有多元化的商業模式，專注於創新，爲加拿大、美國和其他27個國家的1800萬多名客戶提供卓越的體驗。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.
我們很自豪能夠通過捐款、社區投資和員工志願者活動來支持廣泛的社區倡議。請訪問 rbc.com/community-social-impact 了解詳情。
For more information, please contact
欲了解更多信息，請聯繫
Joel Dembe, Corporate Communications, 647-518-4981
Joel Dembe，企業傳播，647-518-4981
