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Author: 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

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Dividend Stocks

A 5.7%-Yielding TFSA Pick That Pays Consistent Cash

| Kay Ng

Investors looking for an income pick in a TFSA can consider buying this stock on dips.

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Couple working on laptops at home and fist bumping
Dividend Stocks

TFSA Investors: 1 “Set-it-and-Forget-it” Stock for 2026

| Kay Ng

This "set-it-and-forget-it" stock for the TFSA today offers a rare combination of discounted valuation, income, and high growth potential.

Read more »

woman gazes forward out window to future
Retirement

Canadians: How Much Money Should Be in a TFSA to Retire?

| Kay Ng

The TFSA is a powerful tax-free retirement vehicle. Many Canadians are behind, so prioritize maxing annual TFSA contributions and staying…

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Piggy bank and Canadian coins
Stocks for Beginners

TFSA Balances at 30: Where Do Most Canadians Stand?

| Kay Ng

Canadians aged 30–34 have about $61,882 in unused TFSA contribution room, representing a major missed compounding opportunity.

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diversification and asset allocation are crucial investing concepts
Dividend Stocks

2 Dividend Stocks to Hold for the Next 5 Years

| Kay Ng

These dividend stocks are good considerations for income and price gains over the next five years.

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dividend growth for passive income
Dividend Stocks

Top Canadian Stocks to Buy for Growth in 2026

| Kay Ng

Here are a few top Canadian stock ideas to be bought on dips for growth in 2026 and beyond.

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Business success of growth metaverse finance and investment profit graph concept or development analysis progress chart on financial market achievement strategy background with increase hand diagram
Tech Stocks

2 Monster Stocks to Hold for the Next 5 Years

| Kay Ng

Here are two high-growth stock candidates for long-term investors with a high-risk tolerance.

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TFSA (Tax-Free Savings Account) on wooden blocks and Canadian one hundred dollar bills.
Dividend Stocks

Why Your TFSA — Not Your RRSP — Should Be Your Income Workhorse

| Kay Ng

The TFSA offers greater flexibility as an income workhorse because of its tax-free feature.

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dividends can compound over time
Dividend Stocks

This Canadian Dividend Stock Is Down 10% and Worth Holding Forever

| Kay Ng

There's much to like about Manulife stock at a reasonable valuation and a nice and growing dividend.

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Piggy bank and Canadian coins
Dividend Stocks

1 Single Stock That I’d Hold Forever in a TFSA

| Kay Ng

This stock is an excellent consideration to buy on dips and hold forever in a TFSA.

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Canadian dollars in a magnifying glass
Dividend Stocks

Undervalued Canadian Stocks to Buy Now

| Kay Ng

Here are some quality Canadian stocks trading at a discount that you can consider buying on dips.

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cookies stack up for growing profit
Dividend Stocks

The Best Dividend Stocks to Buy and Hold Forever

| Kay Ng

Dividend investing can help build long-term wealth via steady income and capital appreciation, especially when shares are added on market…

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Two seniors walk in the forest
Retirement

The Average TFSA Balance for Canadians 70 and Over May Surprise You

| Kay Ng

Canadians aged 70-74 have tons of unused contribution room in their TFSA, leaving significant untapped potential for tax-free income and…

Read more »

people ride a downhill dip on a roller coaster
Dividend Stocks

A Canadian Dividend Stock I’d Hold Through Anything

| Kay Ng

Long-term dividend investors can take advantage of a rare combination of essential assets, a global footprint, and a steadily growing…

Read more »

diversification and asset allocation are crucial investing concepts
Dividend Stocks

9.3% Dividend Yield: Buy This Top-Notch Dividend Stock in Bulk

| Kay Ng

This dividend stock trades at a discount of about 15% and offers a 9.3% dividend yield for now.

Read more »

Person holds banknotes of Canadian dollars
Dividend Stocks

The Best Stocks to Invest $1,000 in Right Now

| Kay Ng

These top stocks combine diversification, durable business models, and long-term wealth-building potential for patient investors.

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Stock Market

How to Invest When the TSX Refuses to Slow Down

| Kay Ng

Stay invested by focusing on quality companies, using dollar-cost averaging to build your positions, and diversifying globally.

Read more »

pig shows concept of sustainable investing
Dividend Stocks

TFSA: 3 Canadian Stocks That Are Perfection With a $7,000 TFSA Investment

| Kay Ng

These three stocks offer a balanced TFSA portfolio with reliable income and long-term growth potential.

Read more »

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

3 Top-Tier Canadian Stocks That Just Bumped Up Dividends Again

| Kay Ng

These top Canadian stocks just raised their dividends last month, continuing their multi-year streak. They should at least be on…

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

3 Dividend Stocks Every Canadian Should Own

| Kay Ng

Canadians should look more closely at these dividend stocks offering a nice blend of stability, global growth exposure, and high…

Read more »

TFSA (Tax-Free Savings Account) on wooden blocks and Canadian one hundred dollar bills.
Retirement

The Average Canadian TFSA Balance at Age 60 — Here’s What it Tells Us

| Kay Ng

Canadians aged 60 should target to maximize their TFSA contributions and invest according to their risk tolerance, financial goals, and…

Read more »

dividend growth for passive income
Dividend Stocks

3 Canadian Dividend Stocks for Passive Income That Keeps Growing

| Kay Ng

Are you looking for passive income? Look into these three Canadian dividend stocks that trade at good valuations.

Read more »

Piggy bank and Canadian coins
Dividend Stocks

How to Leverage a TFSA to Effectively Double Your Contribution

| Kay Ng

Aim to generate a mix of income and price appreciation to achieve $7,000 of returns a year, effectively "doubling" your…

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a man relaxes with his feet on a pile of books
Retirement

How to Budget for 30+ Years of Retirement (Without Running Out)

| Kay Ng

A 30+ year retirement requires a disciplined withdrawal strategy (like the 4% rule), inflation planning, debt reduction, having a cash…

Read more »

Investor reading the newspaper
Stocks for Beginners

Why Paying Attention to Financial News Might Make You Poorer

| Kay Ng

Checking financial news constantly can lead to impulsive reactions that can be detrimental to long-term returns. Instead, invest regularly, diversify,…

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man touches brain to show a good idea
Dividend Stocks

Small-Print TFSA Rules Affecting U.S. Stocks

| Kay Ng

Be aware of the 15% withholding tax on U.S. dividends in the TFSA. Foreign exchange fees can also add up…

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dividends grow over time
Dividend Stocks

The Best TSX Stocks to Buy Now if You Want Both Income and Growth

| Kay Ng

Investors don't have to choose between income and growth. They can get both from these dividend stocks!

Read more »

Piggy bank and Canadian coins
Dividend Stocks

The 1 Stock I’d Keep Forever Inside a TFSA

| Kay Ng

Brookfield Infrastructure Partners is a great income stock with long-term growth potential to buy and hold in the TFSA.

Read more »

senior relaxes in hammock with e-book
Dividend Stocks

Here’s the Average Canadian TFSA at Age 40

| Kay Ng

The striking detail is the big amount of unused TFSA contribution room for Canadians at age 40–44. Let's start by…

Read more »

Happy golf player walks the course
Stocks for Beginners

What “Passive Income” Really Means (and Why Everyone’s Doing it)

| Kay Ng

Building passive income can be well worth your time, effort, and money if you choose something you're passionate about –…

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Concept of multiple streams of income
Dividend Stocks

Are You Actually Invested – or Just Gambling?

| Kay Ng

Invest with an investment thesis, diversification, and long-term horizon. Gambling is based on short-term bets and luck with the odds…

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money goes up and down in balance
Dividend Stocks

When Cheap Stocks Aren’t Actually a Bargain

| Kay Ng

The market sells off stocks for a reason. Investors must weigh both risk and reward and make a decision to…

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senior couple looks at investing statements
Dividend Stocks

Here’s the Average Canadian TFSA at Age 50

| Kay Ng

The average Canadian TFSA at age 50 is significantly underutilized, highlighting a major missed tax-free growth opportunity.

Read more »

a man relaxes with his feet on a pile of books
Retirement

How to Bridge the Gap When CPP and OAS Won’t Cover Your Expenses

| Kay Ng

Close the gap by building savings in TFSAs, RRSPs, and non-registered accounts, with a focus on dividend-growth stocks.

Read more »

earn passive income by investing in dividend paying stocks
Dividend Stocks

When Doing Nothing Is the Smartest Investment Move

| Kay Ng

When investors have built a solid portfolio, they can sit back during volatility and consider buying more shares on weakness.

Read more »

Income and growth financial chart
Dividend Stocks

Turnaround Stocks to Buy Now Before Everyone Else Sees Their True Potential

| Kay Ng

If things work out well for these two turnaround ideas, they could deliver substantial upside over the next few years.

Read more »

dividends grow over time
Dividend Stocks

This Stellar Canadian Stock Is Up 33% This Past Year — and There’s More Growth Ahead

| Kay Ng

There's more growth ahead for Premium Brands as it accelerates its expansion into the U.S. after major investments.

Read more »

A meter measures energy use.
Dividend Stocks

The Utilities Play: Boring, Reliable, and Suddenly Profitable

| Kay Ng

This top utility stock is reasonably valued today. Investors would enjoy a nice starting yield of about 5%, growing income,…

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senior couple looks at investing statements
Retirement

Retiring? $1 Million Isn’t Enough Anymore

| Kay Ng

To make savings last, retirees need portfolios focused on inflation-beating returns and growing income.

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pig shows concept of sustainable investing
Dividend Stocks

A 5% Dividend Stock is My Top Pick for Immediate Income

| Kay Ng

Brookfield Infrastructure Partners L.P. is a reasonable buy here for immediate income and long-term growth, but investors should be ready…

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