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Kay Ng

Author Bio
Kay graduated from the University of British Columbia with a Bachelor of Science in Computer Science and furthered her studies in financial markets, finance, and financial accounting.

She began investing in dividend stocks in 2008, turning an early interest into a lasting passion. Over the years, Kay has refined her investment approach to focus on high-quality businesses, using fundamental analysis and valuation to identify long-term investment opportunities. Her investment research and articles have been featured in The Motley Fool, Sure Dividend, and Seeking Alpha.

Outside of investing, Kay enjoys playing the piano, from popular songs learned by ear to challenging classical compositions. Her favourites include Fantaisie-Impromptu by Frédéric Chopin and La Campanella by Franz Liszt.
Education

Bachelor of Science (BSc) in Computer Science, University of British Columbia
Further studies in financial markets, finance, and financial accounting

Areas of Expertise
Dividend stocks, fundamental analysis, company valuation, quality investing, long-term investing, business fundamentals, and identifying investment opportunities in high-quality companies.
Social Media Profiles
LinkedIn
Favorite Investment Quotes
“The best way to measure your investing success is not by whether you’re beating the market but by whether you’ve put in place a financial plan and a behavioral discipline that are likely to get you where you want to go.” — Benjamin Graham

“A market downturn doesn’t bother us. It is an opportunity to increase our ownership of great companies with great management at good prices.” — Warren Buffett

Recent Articles

woman holding steering wheel is nervous about the future
Dividend Stocks

Still Up Double Digits This Year: Should You Still Invest in TSX Stocks After Thursday’s Dramatic Drop?

| Kay Ng

The TSX has gained about 136% over the past decade. So, stay invested, dollar‑cost average, and maintain diversification. 

Read more »

Trans Alaska Pipeline with Autumn Colors
Energy Stocks

Is Pembina Pipeline’s 4.3% Dividend Worth Buying as a Long-Term Hold?

| Kay Ng

Pembina is a relatively low-risk dividend stock to buy for long-term income and steady growth, especially on meaningful market dips.

Read more »

a person watches a downward arrow crash through the floor
Dividend Stocks

The TSX Dropped 736 Points Thursday: Here’s Why Long-Term Investors Can Stay Calm

| Kay Ng

Long-term investors can stay calm in the gyrating waters of the stock market by maintaining portfolio diversification and rebalancing periodically.

Read more »

Map of Canada with city lights illuminated
Energy Stocks

Best TSX Dividend Stocks to Buy as Energy Prices Stay Hot

| Kay Ng

Here are some of the best energy stocks to consider when energy prices stay hot. They may be cooling off…

Read more »

Board Game, Chess, Chess Board, Chess Piece, Hand
Stocks for Beginners

Under 30 and Starting to Invest? Get Your Game Plan Here

| Kay Ng

Here's how to start investing with two simple steps before considering individual stocks.

Read more »

dairy cows graze on grass
Dividend Stocks

MTY Food Group Just Raised Its Dividend – Is It Too Late to Buy?

| Kay Ng

MTY is still working on a turnaround, but it pays well to wait with a 6.1% dividend. Investors might consider…

Read more »

dividends can compound over time
Stocks for Beginners

If Rates Go Up, Are Canadian Bank Stocks Buys or Traps?

| Kay Ng

Banks are high‑quality businesses, but after a strong run-up over the last few years, investors should re-balance and maintain portfolio…

Read more »

Young adult concentrates on laptop screen
Dividend Stocks

Opening Your First Investing Account in Canada: What to Know Before You Click “Apply”

| Kay Ng

Don’t chase returns without first understanding risks.

Read more »

Piggy bank with word TFSA for tax-free savings accounts.
Stocks for Beginners

Rate Hike Risk Is Back: Where I’d Park My TFSA Cash Right Now

| Kay Ng

Prioritize quality businesses with strong balance sheets and dividend-growth records, and accumulate shares gradually, especially on pullbacks.

Read more »

Hourglass and stock price chart
Energy Stocks

Enbridge: A Safe High-Yield Stock for Steady Retirement Income

| Kay Ng

Enbridge is a relatively safe high-yield stock for retirement income, as a part of a diversified portfolio, especially at a…

Read more »

pig shows concept of sustainable investing
Dividend Stocks

Self-Employed in Canada? Here’s How Much Cash You Should Keep on Hand

| Kay Ng

Financial security starts with having enough cash to weather uncertainty.

Read more »

ETF is short for exchange traded fund, a popular investment choice for Canadians
Stocks for Beginners

Freelance Income in Canada: A Beginner’s Tax Guide

| Kay Ng

Once emergency and tax savings are secure, invest regularly for the long term using TFSA and RRSP to save taxes.

Read more »

Blocks conceptualizing Canada's Tax Free Savings Account
Dividend Stocks

How to Structure a TFSA With $50,000 for Lifelong Monthly Income

| Kay Ng

Turn quarterly dividends into monthly cash by staggering payment schedules or accumulating dividends as cash.

Read more »

Happy shoppers look at a cellphone.
Investing

Aritzia’s Upbeat Earnings Point to Resilient Consumers: 2 Canadian Retail Stocks to Consider

| Kay Ng

Aritzia offers higher growth upside while North West provides defensive income exposure. Different investors might want them for different reasons.

Read more »

dividends grow over time
Stocks for Beginners

Boosting Your Income is Only Half the Battle: What You Do Next Matters More

| Kay Ng

As you increase your income, also increase the amount you invest for the long term.

Read more »

happy woman throws cash
Energy Stocks

Income Up, Stress Still High? Why a Plan for Extra Money Matters

| Kay Ng

Rising income does not necessarily translates into greater financial security.

Read more »

crisis concept, falling stairs
Energy Stocks

I’m Betting My Future on This Canadian Dividend Giant

| Kay Ng

On the recent dip, Enbridge could be a good buy for income-focused investors for a dividend yield near 5.8%.

Read more »

customer uses bank ATM
Dividend Stocks

TFSA Withdrawal Rules Every Canadian Investor Should Know

| Kay Ng

Beware that re‑contributing withdrawn funds in the same calendar year can lead to a penalty from potential excess contribution.

Read more »

money goes up and down in balance
Dividend Stocks

Automate It: The Set-and-Forget Trick for Building Your Cash Cushion

| Kay Ng

Set savings (however small) to automatically go to a HISA on payday to build your cash cushion.

Read more »

A glass jar resting on its side with Canadian banknotes and change inside.
Dividend Stocks

How Much Emergency Money Do Canadians Actually Need?

| Kay Ng

Generally, aim for 3–6 months of essential living expenses for your emergency money. For those with more variability in their…

Read more »

dividend stocks are a good way to earn passive income
Dividend Stocks

The Biggest Myths About Earning Passive Income From Stocks

| Kay Ng

You cannot get passive income from stocks. I explain why in this article.

Read more »

buildings lined up in a row
Dividend Stocks

Want Monthly Income Instead of Waiting on a GIC? This 5.6% Stock Pays Monthly: Know the Risks First

| Kay Ng

On pullbacks, Dream Industrial REIT could be considered as a riskier income complement of a diversified portfolio.

Read more »

Woman checking her computer and holding coffee cup
Dividend Stocks

Brookfield Infrastructure is on My Shortlist After its 10% FFO Gain

| Kay Ng

I'd start building a position after BIP's recent pullback based on current income and expect growing distributions and long-term growth…

Read more »

woman checks off all the boxes
Stocks for Beginners

Using Your TFSA as a Retirement Account: Pros and Cons

| Kay Ng

The TFSA is an excellent tool to help you save and invest for your retirement nest egg, but there are…

Read more »

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…

Read more »

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…

Read more »

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…

Read more »

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!

Read more »

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.

Read more »

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.

Read more »

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…

Read more »

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…

Read more »

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…

Read more »

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…

Read more »

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…

Read more »

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…

Read more »