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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

Metals
Energy Stocks

What Happens Next After Ottawa’s Deadline for Stelco

| Amy Legate-Wolfe

Stelco's owner has defended its layoffs, but Ottawa's deadline doesn't automatically settle the jobs dispute or the investment case.

Read more »

Safety helmets and gloves hang from a rack on a mining site.
Stocks for Beginners

Canada Lost 68,000 Jobs in September: The October 28 Rate Call Just Got Harder

| Amy Legate-Wolfe

September's job losses complicate the rate decision, while Scotiabank shows why borrowers' relief and bank earnings aren't the same thing.

Read more »

Canadian energy stocks are rising with oil prices
Energy Stocks

Diesel Is Running Short Worldwide: The Canadian Refiner Cashing In

| Amy Legate-Wolfe

Suncor's refining margins show how tight fuel supplies can support cash, while a modest dividend yield keeps expectations realistic.

Read more »

man looks surprised at investment growth
Stocks for Beginners

Maxed Out Your TFSA? The Account Where Canadian Dividends Are Taxed Less

| Amy Legate-Wolfe

A taxable account gives eligible Canadian dividends a tax credit, but the gross-up can affect retirement benefits.

Read more »

Hourglass and stock price chart
Stocks for Beginners

Aritzia Jumped 20% in a Day: What It Says About the Canadian Consumer

| Amy Legate-Wolfe

Aritzia's rally reflects strong demand and U.S. expansion, while tariff refunds and a higher share price deserve separate attention.

Read more »

Real estate investment concept with person pointing on growth graph and coin stacking to get profit from property
Dividend Stocks

Buying Your First Home? The $8,000 FHSA Deduction Most Renters Miss

| Amy Legate-Wolfe

An eligible renter's $8,000 FHSA contribution can save $2,400 at a 30% tax rate, with the purchase date guiding investments.

Read more »

shopper checks her receipt
Dividend Stocks

The OAS Clawback Starts at $95,323: TFSA Withdrawals Don’t Count Toward It

| Amy Legate-Wolfe

The 2026 OAS threshold makes withdrawal planning valuable, with eligible TFSA cash avoiding an income increase that can trigger recovery.

Read more »

Agricultural harvesting at the last light of day, aerial view.
Dividend Stocks

Ottawa Just Put $1 Billion Into Food Security: This Fertilizer Giant Feeds Off It

| Amy Legate-Wolfe

Ottawa’s food-security fund could support agriculture, but Nutrien’s investment case depends on farm economics and company cash flow.

Read more »

a person watches a downward arrow crash through the floor
Stocks for Beginners

Market Sell-offs Are Great News for This Boring TSX Stock

| Amy Legate-Wolfe

A market sell-off can increase demand for TMX’s trading services. Its revenue mix and valuation determine whether shareholders benefit.

Read more »

Blocks conceptualizing the Registered Retirement Savings Plan
Dividend Stocks

Your TFSA Pays 15% Tax on U.S. Dividends: Your RRSP Doesn’t

| Amy Legate-Wolfe

An RRSP can avoid withholding on qualifying U.S. dividends, but holding a Canadian-listed ETF changes the tax treatment.

Read more »

space ship model takes off
Tech Stocks

Ottawa’s Defence Spending Boom: This Canadian Tech Stock is Already Cashing In

| Amy Legate-Wolfe

MDA has identifiable government and defence work, but its backlog and profit margins reveal more than the spending headlines.

Read more »

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

Rate Hikes Are Back on the Table: This Insurer Wins When Rates Rise

| Amy Legate-Wolfe

Higher rates could help Sun Life earn more on reinvested assets, but the benefit takes time and brings competing risks.

Read more »

groceries get more expensive as inflation rises
Dividend Stocks

Grocery Inflation Is Back: This Quebec Grocer Keeps Raising Its Dividend

| Amy Legate-Wolfe

Metro’s dividend keeps growing, but its latest filing shows why higher grocery prices don’t automatically produce stronger earnings.

Read more »

Person uses a tablet in a blurred warehouse as background
Dividend Stocks

This Monthly Dividend Stock Turns $50,000 Into About $190 a Month

| Amy Legate-Wolfe

Granite’s declared distribution turns a $50,000 budget into about $175 monthly. The next question is whether its cash flow supports…

Read more »

Nuclear power station cooling tower
Energy Stocks

Ottawa Unveils Its Clean-Energy Plan Today:The Uranium Stock at the Heart of It

| Amy Legate-Wolfe

Ottawa’s nuclear strategy supports the uranium story, but Cameco’s contracts, delivery costs, and valuation determine whether the stock deserves your…

Read more »

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

What $10,000 a Year in Your RRSP Becomes Over 30 Years

| Amy Legate-Wolfe

Annual $10,000 RRSP contributions could approach $791,000, but costs, contribution timing, and your tax refund can change the outcome.

Read more »

A worker gives a business presentation.
Stocks for Beginners

September Inflation Lands October 19: What It Means for Your Mortgage Rate

| Amy Legate-Wolfe

September inflation could change mortgage offers before the Bank of Canada acts. Here’s how to prepare without predicting the report.

Read more »

Real estate investment concept
Dividend Stocks

Friday’s Jobs Report Could Move Your Mortgage Rate: What to Do Before It Lands

| Amy Legate-Wolfe

A small rate surprise matters less when you already have written offers, payment calculations, and clear contract terms.

Read more »

runner checks her biodata on smartwatch
Energy Stocks

Turning 60 in 2027? Taking CPP Early Shrinks Your Cheque 36%

| Amy Legate-Wolfe

Taking CPP early means more years of payments but smaller monthly cheques. A simple calculation shows what waiting requires.

Read more »

looking backward in car mirror
Dividend Stocks

This Auto Stock Raised Its Guidance: Tariffs Knocked it Down Anyway

| Amy Legate-Wolfe

Magna raised its profit outlook while lowering its sales forecast. That makes cash generation the key test for investors.

Read more »

woman holding steering wheel is nervous about the future
Dividend Stocks

Earning Over $95,000 in Retirement? Ottawa Starts Clawing Back Your OAS

| Amy Legate-Wolfe

Receiving $90,000 in cash doesn’t necessarily keep you below the OAS clawback threshold. Canadian dividends can change the calculation.

Read more »

rain rolls off a protective umbrella in a rainstorm
Dividend Stocks

Storm Season Just Cost This Insurer $190 Million: Is the Dividend Safe?

| Amy Legate-Wolfe

Definity’s storm estimate could dent earnings, but dividend safety depends on the payout cushion and capital remaining after the losses.

Read more »

Canada day banner background design of flag
Stocks for Beginners

Quebec Just Put Sovereignty Back on the Table: What it Means for Your Stocks

| Amy Legate-Wolfe

Quebec’s political shift deserves a portfolio check. National Bank offers a useful test of political uncertainty versus deteriorating earnings.

Read more »

Canadian dollars in a magnifying glass
Energy Stocks

Canada’s Bank Watchdog Just Dropped Its Risk Outlook: This Dividend Stock Shrugs it Off

| Amy Legate-Wolfe

Emera offers a different source of dividend income from Canadian banks, although its financing costs still deserve close attention.

Read more »

Piggy bank wrapped in Christmas string lights
Dividend Stocks

The $7,000 TFSA Move Most Canadians Leave Until December

| Amy Legate-Wolfe

An earlier TFSA contribution can simplify your plan, even when the immediate tax saving is smaller than you expect.

Read more »

The letters AI glowing on a circuit board processor.
Tech Stocks

Nvidia Just Hit $5.8 Trillion: The Canadian Stock Riding the Same AI Wave

| Amy Legate-Wolfe

Celestica’s AI exposure is supported by operating results, while cash investment and valuation make the buying decision more demanding.

Read more »

shopper carries paper bags with purchases
Dividend Stocks

Your GIC Pays 3% to 4%: This TSX Stock Pays You Every Month Instead

| Amy Legate-Wolfe

SmartCentres pays more income than an illustrative GIC, but a modest unit-price decline could erase the first-year advantage.

Read more »

Colored pins on calendar showing a month
Energy Stocks

Alberta Will Detail New Oil Royalty Incentives in November: This Monthly-Paying Oil Stock is Ready

| Amy Legate-Wolfe

Whitecap’s dividend has a reported cash cushion, while Alberta’s planned royalty changes still need project-level scrutiny.

Read more »

holding coins in hand for the future
Dividend Stocks

Turning 65 in 2027? Delaying CPP Could Pay You 42% More a Year

| Amy Legate-Wolfe

Waiting until 70 can increase CPP substantially, but the five-year funding gap deserves as much attention as the bigger cheque.

Read more »

concept of real estate evaluation
Stocks for Beginners

Big Banks Are Split on a Rate Hike: What That Means for Your 2027 Mortgage Renewal

| Amy Legate-Wolfe

RBC and TD see different rate paths, making a payment rehearsal more useful than betting your renewal on either forecast.

Read more »

dreaming of financial success
Stocks for Beginners

This TSX Stock Just Raised Its Dividend 5%: Is the Payout Actually Safe?

| Amy Legate-Wolfe

BMO’s dividend coverage looks different depending on which earnings figure you use, making a stress calculation especially useful.

Read more »

worry concern
Energy Stocks

Cenovus Just Paid $5.7 Billion for Oil Sands Growth: Should Your TFSA Follow?

| Amy Legate-Wolfe

Cenovus’s proposed oil sands purchase creates a specific debt hurdle for investors considering the stock in a TFSA.

Read more »

Warning sign with the text "Trade war" in front of container ship
Stocks for Beginners

Trade Wars Are Reshaping Canada’s Export Map: This Railway Stock Could Benefit

| Amy Legate-Wolfe

CPKC could benefit as Canadian exporters seek new trade routes, but new destinations need to produce profitable freight.

Read more »

dividends grow over time
Dividend Stocks

The U.S. Dollar is Rising Again: Here’s What VFV Investors Should Know

| Amy Legate-Wolfe

VFV investors receive both U.S. equity returns and currency translation.

Read more »

Real estate investment concept with person pointing on growth graph and coin stacking to get profit from property
Stocks for Beginners

Canada’s Job Market Could Decide What Happens to Mortgage Rates Next

| Amy Legate-Wolfe

Canada’s jobs report can influence mortgage expectations, but fixed and variable rates move through different channels.

Read more »

An engineer works at a hydroelectric power station, which creates renewable energy.
Energy Stocks

Brazil’s Election Has Investors Watching: This TSX Stock Offers a Different Way In

| Amy Legate-Wolfe

Brookfield Renewable gives Canadian investors Brazilian power exposure without making Brazil the entire investment.

Read more »

businessmen shake hands to close a deal
Dividend Stocks

A Canada-India Trade Deal Could Be Big for Infrastructure: Is WSP Stock a Buy?

| Amy Legate-Wolfe

India could require roughly US$840 billion of urban infrastructure investment over 15 years.

Read more »

oil pumps at sunset
Energy Stocks

OPEC+ Can’t Deliver Every Barrel it Promised: This Pipeline Stock Still Gets Paid

| Amy Legate-Wolfe

Pembina provides energy exposure through contracted infrastructure rather than relying entirely on oil prices.

Read more »

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

The IMF Meets Next Week as Debt Costs Surge: I’d Want This Defensive Dividend Stock

| Amy Legate-Wolfe

Emera offers defensive demand and a 4%-plus yield, but higher interest costs are already reaching earnings.

Read more »

some investments are riskier than others
Stocks for Beginners

OSFI’s Risk Outlook Could Test Canadian Banks: Royal Bank Looks Prepared

| Amy Legate-Wolfe

RBC enters a more cautious regulatory environment with strong capital and substantial dividend coverage.

Read more »