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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

When Does a Taxable Account Actually Beat a TFSA? Here’s The Answer

| Kay Ng

Under certain scenarios, it makes more sense to invest in a taxable account over a TFSA. Here they are!

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dividends grow over time
Dividend Stocks

The Canadian Companies That’ve Been Quietly Raising Their Dividend Payouts

| Kay Ng

For investors seeking a combination of income and dividend growth, these stocks deserve a closer look, especially on market corrections.

Read more »

Printing canadian dollar bills on a print machine
Dividend Stocks

Got $14,000? Turn Your TFSA Into a Cash-Gushing Machine

| Kay Ng

Investors seeking to generate boosted income in their TFSA should investigate the ZWC ETF. Here's why.

Read more »

Forklift in a warehouse
Dividend Stocks

A 4.9% Dividend Stock That Pays Cash Monthly

| Kay Ng

Canadian investors seeking monthly income can consider Dream Industrial REIT, especially on market dips.

Read more »

Couple working on laptops at home and fist bumping
Dividend Stocks

What the Typical Canadian TFSA Looks Like By Age 50

| Kay Ng

Canadians able to maximize their TFSA (no matter their investing style) are ahead of their peers.

Read more »

The TFSA is a powerful savings vehicle for Canadians who are saving for retirement.
Stock Market

The $109,000 TFSA Milestone: How Do You Stack Up?

| Kay Ng

If you're far from the $109k TFSA milestone, you're not alone. Improve it by maximizing your contributions each year and…

Read more »

dividend growth for passive income
Dividend Stocks

Down 23%, Should Investors Buy This High-Yield Dividend Stock in June?

| Kay Ng

On the recent pullback, his high-yield dividend stock appears to be an attractive opportunity to start or add to a…

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man looks worried about something on his phone
Retirement

The Typical TFSA Balance for Canadians Approaching 60

| Kay Ng

How does your TFSA balance stand? How can you improve?

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A woman stands on an apartment balcony in a city
Dividend Stocks

This 4.4% Dividend Play Pays Every Single Month

| Kay Ng

This income play offers above-average income and long-term turnaround potential.

Read more »

three friends eat pizza
Dividend Stocks

How Much Should a 20-Year-Old Canadian Have in Their TFSA to Retire?

| Kay Ng

Starting early and aiming to max TFSA contributions to allow for decades of tax‑free compounding matter more than any specific…

Read more »

top TSX stocks to buy
Dividend Stocks

Want Growth and Dividends From the Same Portfolio? These 2 Canadian Stocks Deliver Both

| Kay Ng

Investors seeking both growth and income can consider these two names, especially on dips.

Read more »

A worker uses a double monitor computer screen in an office.
Dividend Stocks

The TFSA’s Hidden Fine Print When it Comes to U.S. Investments

| Kay Ng

Here's why Canadian investors should avoid holding high-yield U.S. stocks in their TFSA. (Place them in the RRSP instead.)

Read more »

Canada Day fireworks over two Adirondack chairs on the wooden dock in Ontario, Canada
Retirement

Your RRSP Balance Doesn’t Matter as Much as These 3 Things in Retirement

| Kay Ng

These three things matter more than your RRSP balance.

Read more »

groceries get more expensive as inflation rises
Dividend Stocks

This Dividend Stock Is Down 14% — and That Makes It Worth a Closer Look

| Kay Ng

Metro stock is a solid long-term holding for conservative investors. It's reasonably valued for accumulation starting at current levels!

Read more »

senior man smiles next to a light-filled window
Retirement

How Much Should Canadians Actually Have in a TFSA Before They Retire?

| Kay Ng

Start building your TFSA for retirement from day one! Here's a practical and realistic way to go.

Read more »

shopper buys items in bulk
Dividend Stocks

One Canadian Dividend Stock Built to Hold in Any Market

| Kay Ng

Loblaw stock would be a no-brainer buy on meaningful market dips and a stock to be held forever.

Read more »

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

Your TFSA Should Be Your Income Engine, Not Your RRSP

| Kay Ng

When building an income engine, your TFSA should take priority over an RRSP. Here's why.

Read more »

infrastructure like highways enables economic growth
Dividend Stocks

This TSX Pair Will Power Canada’s Nation-Building Push in 2026

| Kay Ng

Investors looking for growth ideas should have this TSX pair on their radar.

Read more »

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

The TFSA Number You Need to Hit Before Calling It Quits

| Kay Ng

Start early and contribute consistently to your TFSA. Invest in quality Canadian stocks for long-term compounding.

Read more »

woman looks out at horizon
Retirement

The Average Canadian TFSA Balance at Age 60: Here’s What It Tells Us

| Kay Ng

Canadians should aim to maximize their TFSAs to take full advantage of its tax-free compounding potential over the long haul.

Read more »

hand stacks coins
Dividend Stocks

Should You Buy This TSX Dividend Stock for its 9.8% Yield?

| Kay Ng

This high-yield stock is a potential multi-year turnaround story as the new CEO is expected to take leadership in July.

Read more »

investor schemes to buy stocks before market notices them
Dividend Stocks

The 3 Stocks I’d Buy and Hold Into 2026

| Kay Ng

These are three stocks I'd buy and hold through 2026 and beyond and would not hesitate to buy more on…

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Abstract technology background image with standing businessman
Dividend Stocks

How to Create Your Own Pension With Dividend Stocks

| Kay Ng

Safety of principal and ability to raise dividends should take priority above high yield.

Read more »

senior man and woman stretch their legs on yoga mats outside
Dividend Stocks

2 Safer High-Yield Dividend Stocks for Canadian Retirees

| Kay Ng

Both dividend stocks offer above-average income for Canadian retirees, especially on market corrections.

Read more »

Couple working on laptops at home and fist bumping
Dividend Stocks

The One Canadian Stock I’d Keep in My TFSA Indefinitely

| Kay Ng

This Canadian stock is a buy-and-hold candidate for the TFSA, providing juicy passive income immediately and long-term upside potential.

Read more »

Hourglass projecting a dollar sign as shadow
Dividend Stocks

This TFSA Stock Pays 3.4% and Deposits Cash Like Clockwork

| Kay Ng

Fortis is a solid stock for the TFSA, especially on a pullback to $65-$70 over the near term.

Read more »

woman looks at iPhone
Retirement

What the Average Canadian TFSA Balance Looks Like at Age 50

| Kay Ng

Canadians should aim to maximize their TFSAs whether they are conservative or more aggressive in their investing strategy.

Read more »

shopper chooses vegetables at grocery store
Dividend Stocks

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

| Kay Ng

Loblaw stock is a perfect addition to a set-it-and-forget-it TFSA portfolio, though it's recommended to dollar-cost average into a position…

Read more »

Retirement

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

| Kay Ng

The CPP and OAS are not meant to cover your retirement expenses entirely. Here's how you could invest long-term capital…

Read more »

Couple working on laptops at home and fist bumping
Energy Stocks

1 High-Yield Dividend Stock You Can Buy and Hold for a Decade of Income

| Kay Ng

Enbridge stock is one of the best high-yield stocks to buy and hold for income, especially on market pullbacks.

Read more »

Canadian Dollars bills
Dividend Stocks

A 4.1% Dividend Stock Is My Top Pick for Immediate Income

| Kay Ng

This dividend stock is a long-term investor's dream. It offers a high yield, long-term growth potential, and trades at a…

Read more »

Printing canadian dollar bills on a print machine
Dividend Stocks

Got $25,000? Transform a TFSA Into a Cash-Gushing Machine

| Kay Ng

Dollar-cost average into quality dividend stocks to transform your TFSA into a cash-gushing machine.

Read more »

oil pump jack under night sky
Energy Stocks

Suncor, Enbridge, or Canadian Natural: Here’s Which Oil Stock Makes Sense for Your Portfolio

| Kay Ng

Here are some top energy stocks to consider for your portfolio, especially on market dips.

Read more »

up arrow on wooden blocks
Dividend Stocks

This Canadian Dividend Stock Is Up 94% — and Still 1 of the Best on the TSX

| Kay Ng

This is a reasonably priced Canadian dividend stock for long-term wealth creation.

Read more »

Silver coins fall into a piggy bank.
Dividend Stocks

A Smart Strategy to Use Your TFSA to Effectively Double Your $7,000 Contribution

| Kay Ng

There's real potential to double your $7,000 TFSA contribution over time with a combination of price gains and dividend income…

Read more »

TFSA (Tax free savings account) acronym on wooden cubes on the background of stacks of coins
Dividend Stocks

The $109,000 TFSA Milestone: How Do You Stack Up?

| Kay Ng

The $109,000 TFSA milestone is less about comparison and more about awareness. The key to growing your TFSA lies in…

Read more »

dividends grow over time
Dividend Stocks

2 Dividend Stocks to Hold for the Next 20 Years

| Kay Ng

Both dividend stocks are supported by durable businesses and have the ability to continue increasing earnings and dividends over time.

Read more »

The sun sets behind a power source
Dividend Stocks

The Utilities Play: Boring, Reliable, and Suddenly Profitable

| Kay Ng

Quality utilities like Fortis stock is good for accumulation, especially on market corrections, for long-term, reliable wealth creation.

Read more »

Income and growth financial chart
Stocks for Beginners

This Stock, Up Over 306% in 10 Years, Looks Like a Genius Buy Right Now

| Kay Ng

Brookfield stock appears to be a genius buy for long-term investors, particularly on market dips.

Read more »

A plant grows from coins.
Dividend Stocks

The Smartest Dividend Stocks to Buy With $250 Right Now

| Kay Ng

Start early and invest consistently in solid dividend stocks for long-term wealth creation.

Read more »