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Kay Ng

Kay began investing in dividend stocks around 2008 via the concept of value investing. Since then, she has expanded into growth investing, including in small caps. Her passion for investing has only grown over the years! After graduating from UBC with a BSc in Computer Science, she took university courses in financial markets, finance, and financial accounting. She has contributed her works to Motley Fool, Sure Dividend, and Seeking Alpha.

Recent Articles

running robot changes direction
Energy Stocks

Down 15%: Is TC Energy a Rebound Buy for Retirement Income?

| Kay Ng

A dollar-cost averaging strategy to buy on dips may be a lower-risk way to build long-term income versus a lumpsum…

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Piggy bank and Canadian coins
Stocks for Beginners

Where Should Canadians Keep Emergency Cash? (It’s Not Where You Think)

| Kay Ng

Prioritize safety and access for your emergency cash — the simplest way is to use a competitive high‑interest savings account.

Read more »

industrial worker on construction site laying sealant for waterproofing cement
Dividend Stocks

Is Your Side Hustle a Business or a Hobby? The CRA Cares

| Kay Ng

Understand if your side hustle is a business or hobby. If your goal is to earn side income, you should…

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hand stacks coins
Dividend Stocks

Why Dividend Income Starts Slow and Speeds Up Over Time

| Kay Ng

Start early and reinvest in financially resilient companies with growth to let compounding potentially turn small initial dividends into substantial…

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dreaming of financial success
Dividend Stocks

Early-Retirement Dream? How Your Accounts Can Help You Get There

| Kay Ng

Use Canada’s registered accounts to save and invest to help realize your early-retirement dream!

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pregnant mother juggles work and childcare
Dividend Stocks

What a Smart First Year of Investing Looks Like for Canadian Beginners

| Kay Ng

Judge your investing success on disciplined habits and long‑term performance.

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Senior uses a laptop computer
Dividend Stocks

A 4.9% Dividend Stock I Plan to Hold Long Term: What $5,000 Would Collect

| Kay Ng

This is a solid utility stock to consider on dips for a long-term portfolio with a focus on growing income.

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The RRSP (Canadian Registered Retirement Savings Plan) is a smart way to save and invest for the future
Dividend Stocks

RRSP or TFSA? How Your Income Changes the Answer

| Kay Ng

Choosing between an RRSP and TFSA depends largely on your income, marginal tax rate, and financial goals.

Read more »

Piggy bank in autumn leaves
Dividend Stocks

Only 55% of Canadians Feel Ready for a Money Emergency: Are You?

| Kay Ng

Build an emergency fund of at least three months of essential living expenses, if you haven't already, to better protect…

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data analyze research
Energy Stocks

Enbridge in 3 Years: What $10,000 Could Earn in Dividends Along the Way

| Kay Ng

Enbridge is a solid stock to consider for income, but interest-rate risk suggests building a partial position and keeping cash…

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Sliced pumpkin pie
Stocks for Beginners

Fractional Shares Let Beginners Start Small: Here’s How They Work

| Kay Ng

Fractional shares remove the price barrier so beginners can start small, but they don’t eliminate market risk.

Read more »

people ride a downhill dip on a roller coaster
Investing

I’m Betting on MDA Space and Its $4 Billion Backlog

| Kay Ng

MDA Space is a long-term growth stock idea that appears to trade at a decent margin of safety today, but…

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you're never too young or old to start investing in stocks
Dividend Stocks

Side Hustle Taxes in Canada: What You Can Deduct

| Kay Ng

You can deduct the reasonable business portion of expenses incurred to earn side-hustle income. Consider investing this extra income for…

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woman holding steering wheel is nervous about the future
Energy Stocks

Should You Invest $1,000 or Pay Off Debt First?

| Kay Ng

Pay off debt with high-interest rates first, then consider investing in quality stocks and other debt reduction.

Read more »

golden sunset in crude oil refinery with pipeline system
Energy Stocks

TC Energy Is Selling its Mexican Pipeline for $560 Million: What Investors Need to Know

| Kay Ng

TC Energy keeps its broader Mexican network, trades about 17% below analyst targets, and yields roughly 4.2%. Notably, the stock…

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Illustration of data, cloud computing and microchips
Tech Stocks

In 5 Years, Celestica Stock Has Gained More Than 4,000%, and Analysts Are Still Bullish

| Kay Ng

Celestica has been a phenomenal stock over the last five years, but future gains depend on the company meeting high…

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Fed Chairman Jerome Powell speaks with U.S. president Donald Trump
Stocks for Beginners

Bank Stocks Wilted After the Fed Raised Interest Rates: Is Now the Time to Buy the Big Six?

| Kay Ng

Why waiting before buying the Big Six may be a prudent move for Canadian investors.

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A worker overlooks an oil refinery plant.
Dividend Stocks

Here’s the 4.3% Dividend Stock I Keep Coming Back To

| Kay Ng

This 4%+ yield dividend stock is a compelling pick for income and growth albeit with typical asset-manager risks.

Read more »

Canadian Red maple leaves seamless wallpaper pattern
Stocks for Beginners

I’d Buy These Canadian Stocks Before Foreign Investment Starts Piling In

| Kay Ng

Where there's opportunity, there's also risk. Investors should do their due diligence before investing.

Read more »

Person holds banknotes of Canadian dollars
Dividend Stocks

The “Set it and Forget it” Dividend Stock That Just Keeps Paying

| Kay Ng

Brookfield Infrastructure Partners is a top "set and forget" dividend stock for growing income. Here's why.

Read more »

oil pumps at sunset
Investing

“Canada Has What the World Wants,” Carney Tells Investors. Here Are the Sectors He’s Highlighting

| Kay Ng

These TSX stocks offer targeted ways for investors to access Canada’s key sectors with strong growth potential.

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A close up color image of a small green plant sprouting out of a pile of Canadian dollar coins "loonies."
Dividend Stocks

The Dividend Stock So Simple, Even Your Procrastinating Brother-in-law Can Buy It

| Kay Ng

Buy and hold Brookfield Infrastructure -- own a diversified portfolio of essential infrastructure and collect steadily growing distributions.

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A solar cell panel generates power in a country mountain landscape.
Dividend Stocks

How One TSX Stock Could Fund Your Coffee Habit Forever

| Kay Ng

This income stock could fund your coffee habit (and more) forever.

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Nickel ore is mined from the ground.
Metals and Mining Stocks

Mining Stocks Now Make Up 60% of Canada’s Top-Performing Companies

| Kay Ng

Mining stocks have generally outperformed in the last few years, but investors should keep in mind it's a highly cyclical…

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data analyze research
Dividend Stocks

5 TSX Stocks to Buy With $5,000 for Steady Returns

| Kay Ng

Here are some stable businesses to keep watch on for long-term investors looking for steady returns. Two appear to be…

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People walk into a dark underground mine.
Metals and Mining Stocks

Here Are the Critical Mineral Stocks to Watch as Copper, Silver, and Rare Earths Take Centre Stage

| Kay Ng

Mining stocks remain cyclical and sensitive to price, economic and operational risks, so investors should treat them as part of…

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sleeping man relaxes with clay mask and cucumbers on eyes
Dividend Stocks

The 1 Canadian Stock That’ll Be Your TFSA’s BFF

| Kay Ng

Loblaw is a core holding candidate for a long-term TFSA. Canadians can consider dollar-cost averaging into a position over time…

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woman looks out at horizon
Dividend Stocks

This Dividend Stock Just Dropped +9%: Is Now the Time to Buy?

| Kay Ng

Empire has a roughly 30-year track record of raising dividends. Its dividend remains healthy and growing. And it starts investors…

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Offshore wind turbine farm at sunset
Dividend Stocks

While Interest Rates Sit Still, These 2 Dividend Giants Look Good

| Kay Ng

Looking for more income? Check out these two high-income stocks!

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Stacked gold bars
Metals and Mining Stocks

Hudbay Minerals Stock Has Quietly Amassed a 430% 3-Year Return

| Kay Ng

Here's why Hudbay Minerals stock has extensively outperformed the Canadian stock market over the last three years.

Read more »

Couple working on laptops at home and fist bumping
Dividend Stocks

The Dividend Stock That Turns “Someday” Into An Actual Plan

| Kay Ng

Instead of planning for retirement "someday", turn it into an actual plan starting with this dividend stock today.

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AI image of a face with chips
Tech Stocks

Celestica Stock: Why This AI Data Centre Play Just Topped the TSX for a Second Straight Year

| Kay Ng

Celestica stock has delivered an extraordinary three-year run, driven by surging demand for AI and data-centre infrastructure. Despite its massive…

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rising arrow with flames
Dividend Stocks

The Market’s On Fire — But Should You Be Buying Right Now?

| Kay Ng

Despite the hot market, investors could still invest selectively in quality businesses. Diversify and dollar-cost average over time to mitigate…

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dreaming of financial success
Dividend Stocks

What $7,000 in Canadian Dividend Stocks Could Actually Pay You

| Kay Ng

XDIV offers greater diversification and low cost, while yielding about 3.1%. Buying individual dividend stocks to target a higher yield…

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chart reflected in eyeglass lenses
Dividend Stocks

Which TSX Stocks Will Investors Be Watching This Month?

| Kay Ng

Recent pullbacks have created potential opportunities in several quality TSX stocks. Other than dividends, they also offer potential upside if…

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Hand Protecting Senior Couple
Dividend Stocks

The Stock You Could Hand Down to Your Grandkids

| Kay Ng

Brookfield Infrastructure could be one of the quality stocks that could be handed down to your grandkids.

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coins jump into piggy bank
Dividend Stocks

This TSX Stock Yields More Than the Average Savings Account Today

| Kay Ng

Income-focused investors can start researching Enbridge stock on this dip for a potential buy for higher income for long-term capital.

Read more »

frustrated shopper at grocery store
Dividend Stocks

Inflation Eating Your Savings? This Stock Fights Back

| Kay Ng

For Canadians with a long-term investment horizon, Brookfield Infrastructure is a solid stock to potentially buy on dips and hold…

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man in bowtie poses with abacus
Retirement

How Much TFSA Income is Too Much for OAS Eligibility?

| Kay Ng

Canadians should take full advantage of their TFSA as part of their retirement plan to help avoid OAS clawback.

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pregnant mother juggles work and childcare
Dividend Stocks

Furniture Just Got a Lot More Expensive in Canada: Is Leon’s Stock a Winner or a Loser?

| Kay Ng

Leon's Furniture's roughly 3.9% dividend yield and discount to the analyst consensus price target could make it an attractive recovery…

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