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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

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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Paper Canadian currency of various denominations
Dividend Stocks

Magna International: Buy, Sell, or Hold?

| Kay Ng

Depending on your risk tolerance, Magna International stock may be a weak buy, solid hold, or better left alone.

Read more »

A Canada Pension Plan Statement of Contributions with a 100 dollar banknote and dollar coins.
Retirement

CPP Alone Isn’t Enough: How Dividend Stocks Can Bridge the Retirement Gap

| Kay Ng

For many Canadians, the Canada Pension Plan (CPP) is expected to be a cornerstone of retirement income. But relying on…

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investor looks at volatility chart
Bank Stocks

The $35,000 Long-Term Strategy for Market Volatility

| Kay Ng

Both time in the market and timing the market helps in building long-term wealth. So, investors should hold some cash…

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Income and growth financial chart
Dividend Stocks

Prediction: These Could Be the Best-Performing Value Stocks Through 2030

| Kay Ng

These three Canadian stocks offer a nice blend of value, income, and growth.

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Asset Management
Stocks for Beginners

How to Build a $40,000 Investment Portfolio That Requires Minimal Maintenance

| Kay Ng

Building an investment portfolio can't be easier than this. Simply dollar-cost average into XEQT for equity exposure and long-term wealth…

Read more »

hand stacking money coins
Dividend Stocks

How I’d Invest $32,000 in Canadian Value Stocks to Maximize My Investment Potential

| Kay Ng

Here's a diversified portfolio of Canadian value stocks that trade at reasonable to discounted valuations. They pay out nice income,…

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Confused person shrugging
Stocks for Beginners

Beginner Investors: Where I’d Allocate $7,000 Across 4 Top Canadian Stocks for 2025

| Kay Ng

This is a good starter portfolio example with a balance mix of income and growth.

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dividends grow over time
Dividend Stocks

What $7,000 Invested Annually in Your TFSA Could Become in a Decade

| Kay Ng

Consistently saving and investing $7,000 annually in your TFSA could do wonders by year 10.

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shoppers in an indoor mall
Dividend Stocks

The Best $28,000 TFSA Allocation for Different Age Groups

| Kay Ng

Here are examples of a $28,000 TFSA allocation for different age groups. Remember to consult a financial advisor on this…

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Dividend Stocks

How I’d Allocate $7,000 Between These 2 Bargain Stocks While They’re Still Undervalued

| Kay Ng

Although the market is at its all-time high, there's still value to be found in the markets. Here are a…

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The sun sets behind a power source
Dividend Stocks

Northland Power: Buy, Sell, or Hold?

| Kay Ng

Northland Power is a higher-risk utility that offers an attractive mix of high yield, global clean energy exposure, and project-driven upside.

Read more »

stock research, analyze data
Dividend Stocks

The $35,000 Portfolio Strategy That Balances Risk and Reward

| Kay Ng

Here's an example of building a diversified portfolio that balances risk and reward.

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Canadian Dollars bills
Dividend Stocks

Why Investing $28,000 This Way Makes Financial Sense

| Kay Ng

Investing $28,000 in a basket of diversified, solid dividend stocks can help you grow your money more consistently with passive…

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rising arrow with flames
Dividend Stocks

TSX New Market High: 3 Dividend Stocks Still Worth Buying

| Kay Ng

Investors with tonnes of cash on the sidelines can consider these income stocks that trade at good valuations.

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a sign flashes global stock data
Dividend Stocks

Where I’d Invest $7,600 in the TSX Today

| Kay Ng

By diversifying capital across these different dividend stocks, investors could get a nice mix of income and growth for the…

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Canadian dollars in a magnifying glass
Dividend Stocks

Where I’d Invest $9,200 in The TSX Today

| Kay Ng

For long-term investors with a focus on building wealth through both income and capital appreciation, these two picks could be…

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ways to boost income
Dividend Stocks

How I’d Turn $7,000 Into $1,200 Annual Tax-free Income

| Kay Ng

Here's how to start building a tax-free income stream in your TFSA today.

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Happy golf player walks the course
Dividend Stocks

How I’d Create Worry-free Retirement Income With a $7,000 Investment Today

| Kay Ng

You can build a worry-free retirement income stream by dollar-cost averaging in dividend ETFs or carefully chosen dividend stocks.

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grow money, wealth build
Dividend Stocks

I’d Double Down on These 2 TSX Dividend Stocks for Income Potential

| Kay Ng

If the market corrects, these are the kinds of dividend stocks I'd double down on.

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grow money, wealth build
Dividend Stocks

How I’d Invest $7,000 in My TFSA for Capital Preservation and Growth

| Kay Ng

To grow your TFSA, consider investing in a mix of GICs, market-wide ETFs, and quality stocks via a balanced approach.

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man touches brain to show a good idea
Dividend Stocks

Investors: How to Maximize Returns and Minimize Risk in Today’s Market

| Kay Ng

Forget about getting rich quick. Take less risk in the stock market by investing in diversified ETFs and loading up…

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