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Amy Legate-Wolfe

Author Bio
Amy became interested in investing in 2018 after having her first daughter. After receiving a masters degree in journalism from Western University, she became frustrated that the finance industry remained a confusing place for Canadians like her: new parents, millennials, and other young people who needed to understand their finances.

Now, Amy focuses on tech companies and renewable energy for growth opportunities, coupling that with long-term investing strategies and equities. She also provides investors with a daily newsletter, Canada Stock Digest, for daily market updates. Her work can also be found at Canada's National Observer, where she writes on the business side of climate action.

Before joining Motley Fool Canada, Amy wrote for major news organizations including HuffPost, CTVNews.ca, and CBC. When she’s not researching investing strategies, Amy’s time is pretty much monopolized by her two wild daughters, but in what little spare time she has she loves to do yoga, go on walks with her dog, and travel with her husband.
Social Media
Follow Amy on LinkedIn and Canada Stock Digest.
Favorite Investment Quote
“October: This is one of the particularly dangerous months to speculate in stocks. The others are July, January, September, April, November, May, March, June, December, August and February.” – Mark Twain

Recent Articles

data analyze research
Dividend Stocks

Before You Buy a Dividend Stock for Retirement, Check This Number

| Amy Legate-Wolfe

A tempting dividend yield means little if the company doesn't generate enough earnings or cash flow to support it.

Read more »

woman looks at iPhone
Dividend Stocks

RESP or RRSP? Where Should Your Next Contribution Go?

| Amy Legate-Wolfe

RESP grants can make the first education contribution attractive, but retirement savings shouldn't disappear while parents fund their children.

Read more »

Blocks conceptualizing Canada's Tax Free Savings Account
Dividend Stocks

Think You Know Your TFSA? These Questions Could Surprise You

| Amy Legate-Wolfe

The TFSA looks simple until withdrawals, investment losses, and contribution-room rules start creating expensive surprises.

Read more »

senior couple looks at investing statements
Energy Stocks

Your GIC Just Matured: Should You Lock the Money Up Again?

| Amy Legate-Wolfe

Lower GIC rates make maturity a useful moment to reconsider how much money really needs a guaranteed return.

Read more »

Train cars pass over trestle bridge in the mountains
Stocks for Beginners

When the Hottest Stocks Cool Off, I’d Look at This TSX Business

| Amy Legate-Wolfe

Hot stocks eventually face tougher expectations, which can make durable cash-generating businesses worth another look.

Read more »

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

Can You Help Your Kids Without Falling Behind on Retirement?

| Amy Legate-Wolfe

Parents can help fund their children’s future without sacrificing the retirement savings they’ll eventually need themselves.

Read more »

ETFs can contain investments such as stocks
Dividend Stocks

Only 13% of Stock Funds Beat the Index: Here’s What I’d Buy Instead

| Amy Legate-Wolfe

Most active U.S. large-cap funds failed to beat passive competitors over the past decade, making low-cost indexing difficult to ignore.

Read more »

Close up of an egg in a nest of twigs on grass with RRSP written on it symbolizing a RRSP contribution.
Retirement

What Happens When a Large RRSP Becomes Retirement Income?

| Amy Legate-Wolfe

A large RRSP can create an unexpectedly large stream of taxable income once mandatory RRIF withdrawals begin.

Read more »

shopper carries paper bags with purchases
Stocks for Beginners

Are You Spending More Just to Use Your Credit Card Perks?

| Amy Legate-Wolfe

Credit-card rewards lose their appeal quickly when earning them pushes you to spend money you never planned to spend.

Read more »

young adult uses credit card to shop online
Stocks for Beginners

Credit-Card Rewards Keep Changing: What Does That Mean for Bank Stocks?

| Amy Legate-Wolfe

Changing credit card rewards show how hard Canadian banks are competing to attract spending and deepen customer relationships.

Read more »

middle-aged couple work together on laptop
Retirement

Who Gets Your TFSA When You Die? Check the Name on Your Account

| Amy Legate-Wolfe

The name attached to your TFSA could determine how smoothly the account passes to your family after death.

Read more »

AI image of a face with chips
Dividend Stocks

AI Needs More Than Chips: These Canadian Stocks Have Something it Needs

| Amy Legate-Wolfe

AI data centres need far more than processors, creating opportunities in natural gas and electrical infrastructure.

Read more »

data center server racks glow with light
Energy Stocks

Who Makes Money From AI After the Chips Are Sold?

| Amy Legate-Wolfe

AI spending doesn't stop with processors as data centres also need electricity, grids, substations, and engineering.

Read more »

A person's hand cupped open with a hologram of an AI chatbot above saying Hi, can I help you
Tech Stocks

As AI Companies Fight for Customers, Could Shopify Gain an Edge?

| Amy Legate-Wolfe

Shopify could benefit from the AI shopping battle by supplying the commerce infrastructure that competing assistants need.

Read more »

farmer watches cornfield as sprinklers irrigate water
Stocks for Beginners

If Something Happened Tomorrow, Would Your Family Know Where the Money Is?

| Amy Legate-Wolfe

A strong financial plan can fail your family if nobody knows where the accounts, insurance, debts, and important documents are.

Read more »

dividend stocks bring in passive income so investors can sit back and relax
Bank Stocks

Is Your Premium Credit Card Still Worth the Annual Fee?

| Amy Legate-Wolfe

Scotiabank's premium-card offering currently charges $150 annually, includes six lounge visits, and waives the typical 2.5% foreign-exchange markup.

Read more »

happy woman throws cash
Tech Stocks

What’s the Number That Would Let You Work on Your Own Terms?

| Amy Legate-Wolfe

Financial freedom may arrive before retirement if your portfolio only needs to replace part of your working income.

Read more »

ETF stands for Exchange Traded Fund
Stocks for Beginners

Own This ETF? Check How Much of Your Portfolio Depends on the Same Stocks

| Amy Legate-Wolfe

XEQT owns thousands of stocks, but adding other ETFs or individual names can quietly increase concentration in your portfolio.

Read more »

investor schemes to buy stocks before market notices them
Stocks for Beginners

The Economy Is Slowing Down: I’m Still Buying These Canadian Stocks

| Amy Legate-Wolfe

A weak Canadian economy doesn't stop me investing when businesses can keep growing without strong economic conditions.

Read more »

middle-aged couple work together on laptop
Dividend Stocks

Could You Spot a Problem in Your Parents’ Finances Before It’s Too Late?

| Amy Legate-Wolfe

Small changes in an older parent’s financial habits can signal problems worth catching before they become expensive.

Read more »

ETFs can contain investments such as stocks
Stocks for Beginners

Own Several ETFs? Your TFSA Could Still Depend on the Same Stocks

| Amy Legate-Wolfe

Owning several ETFs can still leave your TFSA concentrated if the same mega-cap stocks dominate each fund.

Read more »

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

Is VFV Enough for Your TFSA? Here’s What Else You May Own

| Amy Legate-Wolfe

VFV offers cheap access to 500 large U.S. companies, but your TFSA may still be missing Canada and international markets.

Read more »

senior relaxes in hammock with e-book
Stocks for Beginners

How Much Would You Need to Feel Free to Work Less?

| Amy Legate-Wolfe

Your portfolio may not need to replace your whole salary before it can start buying back some of your time.

Read more »

Canadian investor contemplating U.S. stocks with multiple doors to choose from.
Energy Stocks

Your First $100,000 Could Give You More Choices Before Retirement

| Amy Legate-Wolfe

Your first $100,000 may not fund retirement, but it can start buying more control over how much you need to…

Read more »

Retirees sip their morning coffee outside.
Retirement

Could Your First $100,000 Change Your Retirement Plans?

| Amy Legate-Wolfe

The first $100,000 can be a turning point because a good market year can add as much as your annual…

Read more »

oil pumps at sunset
Energy Stocks

Canada Wants to Become an Energy Superpower: 3 TSX Stocks I’d Buy Now

| Amy Legate-Wolfe

Canada’s “energy superpower” pitch isn’t just about resources; it’s about the pipes, fuel, and wires that turn them into exports.

Read more »

investor looks at volatility chart
Dividend Stocks

This All-Weather Dividend Stock Handles Market Volatility Like a Boss

| Amy Legate-Wolfe

Loblaw combines defensive grocery and pharmacy demand with growing earnings, new stores, and a rising dividend.

Read more »

shopper buys items in bulk
Dividend Stocks

The Stock Built to Withstand Whatever 2026 Brings

| Amy Legate-Wolfe

North West combines essential retail demand, hard-to-replicate remote markets, and improving profitability as 2026 keeps investors guessing.

Read more »

A red umbrella stands higher than a crowd of black umbrellas.
Dividend Stocks

Manulife Stock Is a Top Stock to Buy If Interest Rates Stay Higher for Longer

| Amy Legate-Wolfe

Manulife combines rising earnings, a growing insurance business, and investment income that can benefit if rates stay elevated.

Read more »

investor schemes to buy stocks before market notices them
Energy Stocks

I’m Betting My Future on This Canadian Dividend Giant

| Amy Legate-Wolfe

TC Energy combines a 4%-plus yield with contracted growth as LNG, electricity, and data centres increase natural gas demand.

Read more »

Senior uses a laptop computer
Stocks for Beginners

Your RRSP Refund Feels Like a Win: What Happens When You Retire?

| Amy Legate-Wolfe

An RRSP refund feels like free money, but the real benefit comes from delaying tax and putting those savings back…

Read more »

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

Putting All Your Retirement Savings in an RRSP Could Limit Your Options Later

| Amy Legate-Wolfe

An RRSP can build enormous retirement wealth, but combining it with tax-free savings can create more control over future withdrawals.

Read more »

Middle aged man drinks coffee
Dividend Stocks

TFSA or RRSP? Your Tax Rate Could Change the Answer

| Amy Legate-Wolfe

Your current and future tax rates can help determine whether a TFSA or RRSP deserves your next retirement contribution.

Read more »

Hourglass projecting a dollar sign as shadow
Stocks for Beginners

Start Investing by 35: Here’s What Time Could Do for Your Retirement

| Amy Legate-Wolfe

Starting retirement investing by 35 gives compound growth three decades to turn relatively modest contributions into something much larger.

Read more »

ways to boost income
Dividend Stocks

$10,000 in These Stocks Could Be All It Takes to Build Real Monthly Income

| Amy Legate-Wolfe

A $10,000 investment split between two monthly-paying Canadian REITs could currently generate about $50 in passive income every month.

Read more »

shopper carries paper bags with purchases
Dividend Stocks

$1,000 in This Stock Could Be Paying You for the Rest of Your Life

| Amy Legate-Wolfe

A $1,000 investment won't create instant passive income, but Fortis's 52-year dividend-growth streak gives it decades-long potential.

Read more »

trading chart of brent crude oil prices
Dividend Stocks

This Dividend Stock Just Dropped 7%: Is Now the Time to Buy?

| Amy Legate-Wolfe

Canadian Natural Resources stock has slipped 7%, even as record cash flow keeps supporting dividends, buybacks, and debt reduction.

Read more »

Piggy bank on a flying rocket
Stocks for Beginners

It’s Not Flashy: But It’s Outperforming the TSX

| Amy Legate-Wolfe

CIBC isn't exciting, but rising earnings and improving margins have helped it more than double the TSX's 2026 return.

Read more »

woman gazes forward out window to future
Retirement

How Much Do You Need Invested Before You Can Ease Up on Retirement Saving?

| Amy Legate-Wolfe

Once your portfolio gets big enough, annual growth can outpace your contributions, and compounding starts doing the heavy lifting.

Read more »

chart reflected in eyeglass lenses
Dividend Stocks

This Stock Down 11% Since July is Giving Strong Buy Vibes

| Amy Legate-Wolfe

CN’s shares have dipped, but the railway’s operating momentum and outlook have improved.

Read more »