Top Investments to Fill Your TFSA Contribution Room in 2025
Top Investments to Fill Your TFSA Contribution Room in 2025
The annual contribution limit for the Tax-Free Savings Account (TFSA) will stay put at $7,000 in 2025. That pushes the total contribution limit to $102,000, which any Canadian who was aged 18 years or older in 2009 will have access to.
到2025年,免稅儲蓄賬戶(TFSA)的年度供款限額將保持在7,000美元。這使總繳款限額提高到10.2萬美元,任何在2009年年滿18歲的加拿大人都可以獲得該限額。
There's no need to stress if you're behind on your TFSA savings. Unused annual contributions can be carried over from year to year. And with the total contribution limit now above $100,000, for anyone with decades of investing time in front of them, $100,000 has the potential to grow into a significant nest egg.
如果您拖欠了免稅儲蓄賬戶,則無需承受壓力。未使用的年度繳款可以逐年結轉。現在,總供款限額已超過10萬美元,對於任何有數十年投資時間的人來說,10萬美元都有可能成長爲可觀的儲備金。
Using a TFSA for long-term savings objectives
使用免稅儲蓄賬戶實現長期儲蓄目標
The TFSA is often thought of as a short-term savings vehicle, which it certainly can be. The tax-free withdrawals make it a great option for short-term savings objectives. But don't sleep on the TFSA for its ability to be an excellent choice for long-term savings goals.
TFSA通常被認爲是一種短期儲蓄工具,當然可以是。免稅提款使其成爲實現短期儲蓄目標的絕佳選擇。但是,不要沉迷於免稅儲蓄賬戶,因爲它能夠成爲實現長期儲蓄目標的絕佳選擇。
A key selling point of the TFSA is the ability to earn tax-free compound returns. In the short term, that may not be a big deal. But for investors with plenty of time in front of them, the ability to earn tax-free returns, in addition to tax-free withdrawals, is not an opportunity that should be passed up.
免稅儲蓄賬戶的一個關鍵賣點是能夠獲得免稅複合回報。在短期內,這可能沒什麼大不了的。但是對於有充足時間的投資者來說,除了免稅提款外,獲得免稅回報的能力不是一個不容錯過的機會。
With that in mind, I've put together a basket of three top TSX stocks. All three picks are loaded with long-term growth potential.
考慮到這一點,我整理了一籃子三隻多倫多證券交易所的頂級股票。這三個選擇都具有長期增長潛力。
If you're looking to maximize your TFSA contribution room in 2025, these three companies should be on your radar.
如果你想在2025年最大限度地提高免稅儲蓄賬戶的供款額度,那麼這三家公司應該受到你的關注。
Brookfield
布魯克菲爾德
Picking up some shares of Brookfield (TSX:BN) can provide an investor with instant diversification. The $120 billion company is a global asset manager that boasts a wide-ranging portfolio of assets.
收購布魯克菲爾德(多倫多證券交易所股票代碼:BN)的部分股票可以爲投資者提供即時的分散投資。這家價值1200億美元的公司是一家全球資產管理公司,擁有廣泛的資產組合。
But as diversified as Brookfield's investment portfolio is, the stock hasn't had any trouble delivering market-beating returns. Shares are up close to 100% over the past five years, excluding dividends. That's good enough for more than doubling the returns of the S&P/TSX Composite Index.
但是像布魯克菲爾德一樣多元化 投資組合 是,該股在實現超越市場的回報方面沒有遇到任何問題。在過去五年中,股價上漲了近100%,不包括股息。這足以使標準普爾/多倫多證券交易所綜合指數的回報率翻一番以上。
Sun Life
太陽人壽
Sun Life (TSX:SLF) won't get many growth investors excited, but growth isn't necessarily the main reason for owning a financial stock like this one.
Sun Life(多倫多證券交易所股票代碼:SLF)不會讓很多成長型投資者感到興奮,但增長不一定是擁有這樣的金融股票的主要原因。
Like many others in the financial space, Sun Life pays a top dividend. At today's stock price, the company's dividend is yielding 4%.
與金融領域的許多其他人一樣,Sun Life支付了最高的股息。按今天的股價計算,該公司的股息收益率爲4%。
In addition to a steady stream of passive income, Sun Life can also help keep volatility to a minimum in an investment portfolio. I won't argue that the insurance industry is exciting or fast-growing, but it sure is dependable.
除了穩定的被動收入外,Sun Life還可以幫助將投資組合的波動性降至最低。我不會爭辯說保險業令人興奮或增長迅速,但它確實是可靠的。
goeasy
放鬆
Last on my list is a growth stock that might not be trading at a discount for much longer.
我名單上的最後一隻成長型股票,它可能不會在很長時間內以折扣價交易。
Shares of goeasy (TSX:GSY) are down 25% from all-time highs in 2021. Even so, the growth stock is up a market-crushing 130% over the past five years.
goeasy(多倫多證券交易所股票代碼:GSY)的股價較2021年的歷史新高下跌了25%。即便如此,在過去五年中,成長型股票仍上漲了130%,令人震驚。
As a consumer-facing financial services provider, the recent interest rate hikes have had a positive impact on the company's stock price. And with more rate cuts likely coming, now could be an opportunistic time to be loading up on shares of goeasy.
作爲一家面向消費者的金融服務提供商,最近的加息對公司的股價產生了積極影響。而且,隨着進一步減息的可能性即將到來,現在可能是加倉goeasy股票的機會主義時機。
If you're looking to add some serious growth potential to your portfolio, goeasy should be on your watch list.
如果你想爲你的投資組合增加一些可觀的增長潛力,goeasy應該在你的觀察清單上。
譯文內容由第三人軟體翻譯。