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Maximizing Returns: How to Best Use Your TFSA in 2025

Maximizing Returns: How to Best Use Your TFSA in 2025

最大化回報:如何在2025年最好地利用您的TFSA
The Motley Fool ·  01/07 10:45

Your Tax-Free Savings Account (TFSA) is one of the most powerful tools available for building wealth in Canada. It allows you to grow your savings without the burden of taxes. In 2025, the key to maximizing returns in your TFSA will be to make strategic investment choices that leverage both the tax advantages of the account and the potential of the stock market.

您的免稅儲蓄賬戶(TFSA)是加拿大最強大的財富積累工具之一。它使您可以在沒有稅負的情況下增長儲蓄。在2025年,最大化您的TFSA回報的關鍵將是做出戰略性的投資選擇,利用賬戶的稅收優勢和股票市場的潛力。

The TFSA is not just for saving

TFSA不僅僅是用於儲蓄。

While saving is the first step to building wealth, investing those savings is what can truly accelerate your returns. With a TFSA, any growth — whether from interest, dividends, or capital gains — is tax-free. In other words, the money you earn within the account isn't subject to taxation, making it a fantastic vehicle for long-term growth.

雖然儲蓄是積累財富的第一步,但將這些儲蓄進行投資才是真正加速回報的關鍵。通過TFSA,所有增長——無論是來自利息、分紅派息,還是資本收益——都是免稅的。換句話說,您在賬戶內賺取的錢不受稅收限制,使其成爲長期增長的絕佳工具。

Both the Canadian and U.S. stock markets are trading near their all-time highs. While this could spark concerns about a potential pullback, there are still opportunities to maximize returns in your TFSA. It's important to remember that market fluctuations are part of the investment landscape, and with the right strategy, you can still capitalize on gains while minimizing risk.

加拿大和美國的股票市場都接近歷史最高點。儘管這可能引發人們對潛在回調的擔憂,但仍然有機會在您的TFSA中最大化回報。重要的是要記住,市場波動是投資環境的一部分,採用正確的策略,您仍然可以在最小化風險的同時抓住收益。

Finding value in a high market

在高市場中尋找價值

Despite the market's high levels, there are still pockets of value to be found. While stocks are generally more volatile than bonds, which are considered safer investments, they also tend to offer higher returns over the long term. The key to success in 2025 is to identify solid companies that are trading at attractive valuations, even when broader markets seem expensive.

儘管市場水平較高,但依然可以找到價值所在。雖然股票通常比被視爲更安全投資的債券波動更大,但它們在長期內往往提供更高的回報。2025年成功的關鍵是識別那些在估值上具有吸引力的優質公司,即使在更廣泛的市場看起來昂貴時。

For example, Canadian stocks such as Toronto-Dominion Bank (TSX:TD) are reasonable investments at current levels. With a dividend yield of 5.4%, TD Bank provides an income stream that outpaces the current one-year Guaranteed Investment Certificate (GIC) rate of around 4%. Although GICs guarantee principal protection, investing in stocks like TD Bank can provide greater returns over time — despite the inherent risks.

例如,加拿大的股票如多倫多道明銀行(TSX:TD)在當前水平上是合理的投資。道明銀行的分紅派息收益率爲5.4%,提供的收入流超出了當前約4%的一年期投資擔保證書(GIC)利率。雖然GIC保證本金保護,但投資像道明銀行這樣的股票隨着時間的推移可以提供更大的回報——儘管存在的內在風險。

Low-risk dividend stocks for steady growth

低風險的分紅派息股票以實現穩步增長

For investors seeking stability with decent returns, solid dividend stocks can be a great choice within a TFSA. Toronto-Dominion Bank is a prime example. Currently trading at $77.78 per share, TD is priced about 12% below its long-term valuation, making it a relatively low-risk option for investors looking for consistent income and growth potential. Over time, as TD Bank eventually reverts to higher growth, the stock could deliver total returns of around 13% per year.

對於尋求穩定和良好回報的投資者來說,穩定的分紅股票可以成爲TFSA中的一個極佳選擇。多倫多道明銀行就是一個典型例子。目前每股交易價格爲77.78美元,TD的價格約在其長期估值以下12%,使其成爲一項相對低風險的選擇,適合那些尋找穩定收入和增長潛力的投資者。隨着時間的推移,隨着TD銀行最終恢復更高的增長,股票每年可能提供約13%的總回報。

Another stock idea for 2025 is Exchange Income Corporation (TSX:EIF), which has proven itself as a reliable dividend payer since 2004. Offering a monthly dividend yield of 4.5%, Exchange Income also has impressive growth potential. In 2024, the stock rose by 31%, with total return — including dividends — reaching a remarkable 36%. While its valuation is now higher, it still has upside potential, with estimates indicating a 23% return over the next year.

另一個2025年的股票投資建議是交易所收入公司(TSX:EIF),自2004年以來,它證明自己是一個可靠的分紅支付者。提供4.5%的月分紅收益率,交易所收入公司也具有可觀的增長潛力。在2024年,該股票上漲了31%,包括分紅在內的總回報達到了令人矚目的36%。儘管其估值現在較高,但仍有上漲潛力,估計在明年將帶來23%的回報。

The Foolish investor takeaway

有遠見的投資者總結

As you enter 2025, the key to maximizing your TFSA returns lies in making informed, strategic investments. You might want to focus on dividend stocks that offer both income and growth potential, like Toronto-Dominion Bank and Exchange Income. By balancing risk and reward and staying patient, your TFSA can be a powerful tool for growing your wealth in the years to come.

在進入2025年時,最大化您的TFSA回報的關鍵在於進行明智的、具有策略性的投資。您可能會希望關注能夠提供收益和增長潛力的分紅股票,比如多倫多道明銀行和交易所收入公司。通過平衡風險和收益並保持耐心,您的TFSA可以成爲在未來幾年中增加財富的強大工具。

譯文內容由第三人軟體翻譯。


以上內容僅用作資訊或教育之目的,不構成與富途相關的任何投資建議。富途竭力但無法保證上述全部內容的真實性、準確性和原創性。
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