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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

Canadian dollars are printed
Investing

Turn Your TFSA Into a $1,000/Month Dividend Machine

| Kay Ng

In today's hot market, it would be smart to build a TFSA dividend machine slowly instead of in a big…

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Muscles Drawn On Black board
Dividend Stocks

All-Time Highs Got You Worried? Where Smart Canadian Money Can Go Now

| Kay Ng

If you're worried about a frothy market, here are several things you can do!

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woman looks out at horizon
Dividend Stocks

2 Dividend Stocks to Buy for Lifetime Income

| Kay Ng

These dividend stocks have the potential to deliver you a lifetime of passive income!

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A worker gives a business presentation.
Dividend Stocks

3 Canadian Dividend Stocks That Reliably Beat Inflation

| Kay Ng

For long-term investors looking to protect purchasing power and grow real wealth, these dividend stocks deserve a place on your…

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Printing canadian dollar bills on a print machine
Dividend Stocks

How to Use $25,000 to Transform a TFSA Into a Cash-Pumping Machine

| Kay Ng

Turning your TFSA into a cash-pumping machine is about discipline, smart asset allocation, and reinvestment.

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Asset Management
Dividend Stocks

3 Canadian Value Stocks to Buy When Everyone Else Is Selling

| Kay Ng

These dividend stocks could reward patient investors with an investment horizon of at least five years.

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A worker overlooks an oil refinery plant.
Dividend Stocks

How to Structure a $10,000 TFSA With Brookfield Infrastructure for Passive Income

| Kay Ng

Buying this utility stock opportunistically on market dips in a TFSA could be a great start on building a growing…

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four people hold happy emoji masks
Dividend Stocks

5.6% Yield: This Canadian Dividend Stock is Safer Than Government Bonds

| Kay Ng

If your time horizon is at least five years, solid dividend stocks may be a safer and smarter alternative to…

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senior man and woman stretch their legs on yoga mats outside
Retirement

3 Canadian Dividend Stocks Practically Every Retiree Should Own

| Kay Ng

All three dividend stocks are solid candidates for retirement portfolios focused on passive income, though it would be safer to…

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

3 Canadian Stocks I’d Be Thrilled to Own in a TFSA

| Kay Ng

I'd be thrilled to load up these top Canadian stocks in my TFSA during market corrections for long-term wealth creation.

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Piggy bank in autumn leaves
Dividend Stocks

Want Year-Round Income? 2 Dividend Stocks Paying Consistently

| Kay Ng

Get passive income year round by focusing on the quality and long-term reliability of the businesses behind the payouts.

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customer uses bank ATM
Dividend Stocks

5.4% Monthly Canadian Cash Flow! This Dividend Stock Is My Personal ATM

| Kay Ng

Northland Power offers nice monthly income and could work as a satellite holding and a personal ATM to help pay…

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

The $7,000 TFSA Strategy That Could Transform Your Retirement

| Kay Ng

By maximizing your TFSA contributions every year and focusing on long-term growth via stock investing -- whether via ETFs, individual…

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man is enthralled with a movie in a theater
Retirement

This Stock Makes Me Genuinely Excited About Retirement

| Kay Ng

goeasy is a high-growth, dividend stock with a strong track record, making it a compelling satellite holding to boost retirement…

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

I’m All-In on This 5.8% Dividend Stock and Here’s Why

| Kay Ng

Income-focused investors should take a closer look at Scotiabank, especially if the stock dips meaningfully.

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Middle aged man drinks coffee
Dividend Stocks

Want Decades of Passive Income? 3 Stocks to Buy Right Now

| Kay Ng

These three stocks offer a nice blend of dividend growth, yield, and inflation protection and trade at reasonable valuations.

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Trans Alaska Pipeline with Autumn Colors
Energy Stocks

Pembina Pipeline: Buy, Sell, or Hold in July 2025?

| Kay Ng

Currently, Pembina Pipeline looks like a solid hold or moderate buy for long-term investors.

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Start line on the highway
Dividend Stocks

Have $15,000 to Invest? Spread it Across These 3 Sectors

| Kay Ng

Investing in these three top stocks is a good start. Be prepared to invest more during market corrections.

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Aerial view of a wind farm
Dividend Stocks

I’m Personally Loading Up on This Overlooked Dividend Gem

| Kay Ng

This dividend stock yields 5.1% and could be re-rated higher over the next couple of years.

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Investor wonders if it's safe to buy stocks now
Retirement

5 Red Flags the CRA Uses to Target High-Income Seniors

| Kay Ng

Reporting retirement income can be quite complex. If needed, seniors can work with a qualified tax expert to avoid pitfalls.

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Pile of Canadian dollar bills in various denominations
Dividend Stocks

A 7.6% Dividend Stock Paying Cash Every Single Month

| Kay Ng

Whitecap's mesmerizing dividend is safe for now, but what would it take for it to cut it?

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diversification and asset allocation are crucial investing concepts
Dividend Stocks

The Only Canadian Stock You’ll Need to Buy and Hold Forever

| Kay Ng

Brookfield Asset Management is as close to a forever stock as you'll find, especially if you buy shares on meaningful…

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Financial analyst reviews numbers and charts on a screen
Dividend Stocks

How to Build a $50,000 Portfolio That Can Weather Any Market Storm

| Kay Ng

With proper asset allocation and a long-term mindset, you can create a portfolio that’s resilient in downturns and capable of…

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Woman checking her computer and holding coffee cup
Energy Stocks

Whitecap Resources: Buy, Sell, or Hold in July 2025?

| Kay Ng

Depending on your risk tolerance and the size of your position to your portfolio, Whitecap Resources could be a buy,…

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Aerial view of a wind farm
Energy Stocks

I’d Put My Entire $7,000 TFSA Contribution Into This Dividend Stock

| Kay Ng

Northland Power offers a monthly dividend yielding 5.2% and upside potential over the next two years with clear growth catalysts.

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Woman checking her computer and holding coffee cup
Tech Stocks

Best Stock to Buy Right Now: Shopify vs. Constellation Software?

| Kay Ng

Shopify and Constellation Software are very different businesses. However, if investors had to pick one, Constellation Software is likely a…

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Dividend Stocks

I’m Betting My Future on This Magnificent Canadian Dividend Giant

| Kay Ng

This solid utility stock could have a place in any investor's portfolio whether they're looking for income or total returns.

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Hand Protecting Senior Couple
Retirement

What’s the Best Way to Invest $30,000 for Retirement?

| Kay Ng

Investing for retirement security is a balancing act between investing for long-term growth and your needs for cash.

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Man looks stunned about something
Retirement

The CRA Mistake That Could Cut Your Old Age Security in Half

| Kay Ng

You can mitigate the OAS clawback through appropriate retirement planning. Talk to a qualified financial planner if needed.

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Retirees sip their morning coffee outside.
Retirement

5 Red Flags the CRA Looks for in Retirement Tax Returns

| Kay Ng

Here are five red flags that might catch the CRA's attention and that retirees should avoid.

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Man holds Canadian dollars in differing amounts
Dividend Stocks

1 Top-Notch Canadian Stock Down 38% to Buy for Fast Dividends

| Kay Ng

This top Canadian stock could pay off handsomely in the long run for investors buying on dips.

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how to save money
Energy Stocks

The Stock to Buy Right Now: Canadian Natural Resources vs Imperial Oil?

| Kay Ng

Given its wider margin of safety, bigger dividend income, and well-run operations, Canadian Natural Resources stock appears to be a…

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dividend growth for passive income
Stocks for Beginners

How to Structure a $49,000 Portfolio for Both Growth and Preservation

| Kay Ng

A well-structured portfolio should provide long-term upside while mitigating downside risk.

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Sliced pumpkin pie
Stock Market

A $30,000 Portfolio Strategy for Changing Economic Conditions

| Kay Ng

Your portfolio mix should depend on market conditions, your risk tolerance, time horizon, and financial goals.

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Two seniors walk in the forest
Stocks for Beginners

From Debt to FIRE: A Step-by-Step Blueprint for Financial Freedom

| Kay Ng

Debt to FIRE is about making progress. Start by eliminating high-interest debt, building an emergency fund, and investing early.

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woman looks out at horizon
Dividend Stocks

3 Financial Stocks to Buy With $3,000 and Hold Forever

| Kay Ng

Here are some financial stock ideas to diversify away from the big Canadian banks.

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Start line on the highway
Dividend Stocks

3 No-Brainer TSX Stocks to Buy With $200 Right Now

| Kay Ng

Here's a diverse mix of TSX stocks worth starting positions in today.

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Hand Protecting Senior Couple
Retirement

Avoid the OAS Clawback: Dividend Strategies Every Retiree Should Know

| Kay Ng

With a smart dividend strategy, the OAS clawback can be minimized or even avoided entirely for retirees. Here's how.

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Hourglass projecting a dollar sign as shadow
Dividend Stocks

Is Restaurant Brands International Stock a Buy Now?

| Kay Ng

Restaurant Brands International stock is a reasonable buy at current levels, although it would probably provide a better margin of…

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

The Best $7,000 TFSA Investments for Current Market Conditions

| Kay Ng

There is no one-size-fits-all answer for where to park your $7,000 TFSA contribution. Aim to match your TFSA strategy to…

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