(NC) In today’s complicated financial environment, every dollar counts for Canadians. Many may miss the opportunity to maximize their money. The question is: how should Canadians allocate their funds? Should they put it towards personal spending, savings or high-interest debt? What if there was another way to use that money for more financial benefit? Consider investing.

A TD survey found that 47 per cent of Canadians have not made or are not planning to make any contributions to their investments this year. They do not feel confident in their investment knowledge or that they’ll be able to retire by the time they plan to. This financial education gap may cause many to miss out on strengthening their investment portfolios.

Before making big investment decisions, meeting with an advisor or personal banker who can help you navigate your financial needs can be beneficial.

What should you be investing in to optimize your financial future? You may want to consider taking advantage of registered plans available in Canada, including Registered Retirement Savings Plans (RRSPs) and Tax-Free Savings Accounts (TFSAs). Whichever you choose, the important thing is to get into an investing habit and stick to it.

Contributing to investments is essential. If you’re interested in starting your investing journey, financial institutions offer a variety of tools and resources, including personal bankers, to help Canadians reach their financial goals.

Learn more about personal banking at td.com.