Household debt concerns put upward pressure on capital ratios
Respondents cited real estate, digital investing and crypto as the most confusing areas of personal finance
Banking, materials, energy and consumer discretionary may be good picks for 2022
Hours spent worrying increased 25% over the last year
Meanwhile, the BoC's latest quarterly report suggests people will spend some of the savings they've amassed
Most respondents (70%) said it was hard to know what to do in the current environment
Still, the bank's economic forecasts have improved compared with earlier this year
There could still be challenges related to uneven demand
Banks followed the Bank of Canada, which cut its overnight rate again on Friday
Mortgage credit growth was down, but consumer credit surged