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Retirement

Recent Retirement News

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

Don’t Let Unused TFSA Room Go to Waste Before You Retire

| Christopher Liew, CFA

Unused TFSA contribution room can help Canadians boost their nest egg and retire with confidence.

Read more »

woman holding steering wheel is nervous about the future
Dividend Stocks

Behind on Retirement in Your 40s? 3 Moves That Can Help

| Demetris Afxentiou

Behind on retirement in your 40s? These three investing moves can help Canadians rebuild momentum through diversification, income, and growth.

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 »

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…

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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 »

senior man smiles next to a light-filled window
Dividend Stocks

The Perfect Retirement TFSA Stock: A 4.8% Yield With Monthly Paycheques

| Daniel Da Costa

Here’s why this monthly dividend stock could be an ideal addition to your TFSA if you’re looking for retirement income…

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dreaming of financial success
Dividend Stocks

Early-Retirement Dream? How Your Accounts Can Help You Get There

| Kay Ng

Use Canada’s registered accounts to save and invest to help realize your early-retirement dream!

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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 »

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 »

pig shows concept of sustainable investing
Retirement

Money for Nothing: A 4.4% Dividend Stock That Brings Home the Bacon Even When You’re Done Working

| Jitendra Parashar

Want to keep earning money even after retirement? This 4.4%-yielding Canadian dividend stock has attractive quarterly payouts and promising long-term…

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 »

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 »

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

RRSP or TFSA? How Your Income Changes the Answer

| Kay Ng

Choosing between an RRSP and TFSA depends largely on your income, marginal tax rate, and financial goals.

Read more »

Two seniors walk in the forest
Dividend Stocks

Can Dividends Replace a Paycheque in Retirement?

| Demetris Afxentiou

Can dividends in retirement replace your paycheque? Explore how Scotiabank, RioCan REIT, and Fortis can help build a steady retirement…

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 »

frustrated shopper at grocery store
Dividend Stocks

Quebec’s Next Government Faces a Slowing Economy: I’d Buy This Defensive Stock

| Amy Legate-Wolfe

Loblaw gives investors essential consumer spending without requiring Quebec’s economy to accelerate.

Read more »

Dam of hydroelectric power plant in Canadian Rockies
Energy Stocks

Global Borrowing Costs Are at 20-Year Highs: This Dividend Stock Can Still Grow

| Amy Legate-Wolfe

Hydro One’s long debt maturity and growing asset base make it more resilient to higher borrowing costs than a headline…

Read more »

workers walk through an office building
Dividend Stocks

A Weak Jobs Report Could Change Your GIC Decision: Here’s What I’d Do

| Amy Legate-Wolfe

A weak jobs report could change GIC rates, but the date you need the money matters far more.

Read more »

Nuclear power station cooling tower
Stocks for Beginners

Canada and India Are Talking Nuclear Power: Is Cameco Stock Still a Buy?

| Amy Legate-Wolfe

Cameco’s India agreement is real business, but its uranium volumes were already included in broader contracting disclosures.

Read more »

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

A Perfect TFSA Stock for Retirement: A 5.7% Yield With Constant Paycheques

| Robin Brown

If you want to earn a "no work" passive income stream, this Canadian REIT stock would be a perfect hold…

Read more »

trading chart of brent crude oil prices
Energy Stocks

Higher Oil Prices Could Delay Rate Cuts: Here’s Where I’d Put $10,000

| Amy Legate-Wolfe

Suncor can turn today’s expensive oil into dividends and a smaller share count.

Read more »

Colored pins on calendar showing a month
Dividend Stocks

How Much Do You Need to Invest to Earn $1,000 a Month in Dividends?

| Demetris Afxentiou

Build $1,000 a month in dividends with Enbridge, RioCan, and HDIV. See the combined investment needed and how each contributes…

Read more »

dividend growth for passive income
Dividend Stocks

Dividend Growth vs. High Yield: Which Builds More Income Over Time?

| Demetris Afxentiou

Dividend growth vs. high yield: Which builds more income over time? Compare Canadian National and SmartCentres to see how the…

Read more »

Canadian dollars in a magnifying glass
Dividend Stocks

Canada’s Banking Regulator Watches Insurers Too: Is Manulife’s Dividend Still Safe?

| Amy Legate-Wolfe

Manulife’s dividend currently passes both an earnings-coverage test and a regulatory-capital test.

Read more »