Forty-five percent of the 1,000 investors in a recent survey expect to receive a tax refund, and among them, 61 percent plan to save or invest the money, according to a poll by TD Ameritrade

The survey also found that 21 percent of the investors surveyed plan to use the money to pay off debt, while 19 percent plan to spend it on discretionary items and 18 percent expect to spend it on necessities.

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