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?
你是否曾想过，TFSA的平均余额是多少？
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.
从某些方面来说，这听起来像是琐碎的信息，但是知道这个数字可能会对你有所帮助。例如，它可以帮助你衡量自己的储蓄进展。在本文中，我将分享一家加拿大主要银行提供的2024年TFSA平均余额的最佳估算结果。
About $41,000
约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.
根据蒙特利尔银行的估计，加拿大人的TFSA平均余额约为41,000美元。这是由一家专业的民意测验公司对1,510名随机选择的加拿大人进行的一项调查得出的，换句话说，这不是蒙特利尔银行客户的简单草根调查。这项调查有相当大的机会对“普通”加拿大人进行采样，因此估计结果可能相当可靠。
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，这个估计结果可能很可靠。蒙特利尔银行的调查还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年以来，TFSA的平均余额已经上升了53％，当时它为27,053美元。
- 从2022年到2023年，TFSA的平均余额上涨了9％。
- 同期平均月生活费用增加了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余额在2023年大幅上升，但是他们的生活费用增加更多。2023年TFSA余额的年度增加约为每个账户3,464美元。如果您以10％的超高收益率成功投资3,464美元，则可获得346美元的收益，这比2023年月生活费用增加少51美元。以5％的收益率或回报完全投资于95,000美元的TFSA每年仅产生4,750美元的收入，这并不能覆盖年化基础上2023年增加的月生活费用（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.
所有这些都意味着加拿大人的TFSA的增长速度与月生活费用上涨的速度不相称。这对某些人来说是个艰难的现实，但正如您将要看到的，如果您智能地使用它，您的TFSA可能会对您的生活产生相当大的影响。
How far $41,510 could take you
41,510美元能带您走多远
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.
虽然您的TFSA不太可能很快覆盖您的所有生活费用（甚至不包括您的年度生活费用增长），但它仍然可以帮助您实现长期储蓄目标。
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).
假设您五年前将41,000美元投资到蒂玛餐饮（tsx:atd）中。截至那时，已积累足够的TFSA贡献空间可以将41,000美元投资到ATD中，即使您刚投入资金并没有获得任何收益（不过您必须年龄达到一定的年龄）。
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).
在过去的五年中，蒂玛餐饮的股价大约翻了一番，从41.97美元涨到81.49美元。更具体地说，价格的确切增长为94％，这将使41,510美元的TFSA投资股票成为80,529美元，并获得了一些小型分红派息。这五年时间中的39,109美元增长实际上可以在支付您的生活费用方面产生很大的作用，具体而言，39,109美元每年可以产生7,804美元或每月650美元，这占到了单身加拿大人非住房生活费用的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.
这并不表示您应该去将TFSA全部投资到ATD组合中。投资者需要分散风险以降低风险；作为“愚人节”，这里通常建议至少持有25支股票的投资组合。在此，蒂玛餐饮的股票选择仅用于说明复合效应的影响-尽管将该股票作为您的多样化投资组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.
这是2024年TFSA平均余额变化情况的一篇报道，首发于《愚人节加拿大》。