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Retirement

Recent Retirement News

trading chart of brent crude oil prices
Dividend Stocks

This Dividend Stock Just Dropped 7%: Is Now the Time to Buy?

| Amy Legate-Wolfe

Canadian Natural Resources stock has slipped 7%, even as record cash flow keeps supporting dividends, buybacks, and debt reduction.

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Piggy bank on a flying rocket
Stocks for Beginners

It’s Not Flashy: But It’s Outperforming the TSX

| Amy Legate-Wolfe

CIBC isn't exciting, but rising earnings and improving margins have helped it more than double the TSX's 2026 return.

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woman gazes forward out window to future
Retirement

How Much Do You Need Invested Before You Can Ease Up on Retirement Saving?

| Amy Legate-Wolfe

Once your portfolio gets big enough, annual growth can outpace your contributions, and compounding starts doing the heavy lifting.

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chart reflected in eyeglass lenses
Dividend Stocks

This Stock Down 11% Since July is Giving Strong Buy Vibes

| Amy Legate-Wolfe

CN’s shares have dipped, but the railway’s operating momentum and outlook have improved.

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concept of real estate evaluation
Dividend Stocks

A Monthly Passive Income Stock I’d Put My Whole TFSA Contribution Into: Here’s My Take

| Amy Legate-Wolfe

Putting $7,000 into a TFSA won’t change your life today, but a high-yield monthly payer can start a compounding snowball.

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financial chart graphs and oil pumps on a field
Stocks for Beginners

What if This Dividend Stock Paid Your Bills Instead of You?

| Amy Legate-Wolfe

A 6%+ monthly dividend sounds great, but it only matters if the payout can survive the next oil cycle.

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middle-aged couple work together on laptop
Stocks for Beginners

Retire on Dividends? This Stock Makes it Less Crazy Than it Sounds

| Amy Legate-Wolfe

CPP and OAS can cover a meaningful base, and a diversified dividend portfolio can help fill the gap without forced…

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The TFSA is a powerful savings vehicle for Canadians who are saving for retirement.
Energy Stocks

Is Too Much Cash Holding Back Your TFSA?

| Amy Legate-Wolfe

Cash feels safe, but keeping too much of it in a long-term TFSA can quietly erode your future buying power.

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Investor wonders if it's safe to buy stocks now
Dividend Stocks

Your GIC Is Maturing: Would a Dividend Stock Make More Sense Now?

| Amy Legate-Wolfe

Canada’s GIC rates are cooling off, so a regulated utility like Emera could offer similar income plus long-term growth potential.

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workers walk through an office building
Dividend Stocks

Nearly $500 Billion Is Coming for Canadian Investment: This Is the Stock I’d Buy

| Amy Legate-Wolfe

Canada’s $500 billion summit headline may take years to materialize, but Power Corp already owns a platform preparing to deploy…

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pig shows concept of sustainable investing
Dividend Stocks

The Dividend Stock That Makes “Passive Income” Actually True

| Demetris Afxentiou

This Canadian dividend stock offers passive income backed by nearly two centuries of payments, recent earnings growth, and a 3.46%…

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Train cars pass over trestle bridge in the mountains
Dividend Stocks

Canada Just Made New Investment Much Cheaper: This TSX Stock Could Win

| Amy Legate-Wolfe

Canada just made it far cheaper for businesses to invest, and CPKC is a big spender positioned to benefit.

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diversification is an important part of building a stable portfolio
Dividend Stocks

Here Are the Canadian Stocks I’d Feel Safest Holding Forever

| Demetris Afxentiou

These four Canadian stocks combine durable businesses, essential assets, and reliable dividends that investors could hold for decades.

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Digital background depicting innovative technologies in (AI) artificial systems, neural interfaces and internet machine learning technologies
Dividend Stocks

The AI Boom Needs Copper, Uranium, and Power: This Canadian Stock Could Benefit

| Amy Legate-Wolfe

AI may feel digital, but its growth depends on massive real-world builds, and Aecon is positioned to get paid for…

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Canadian Red maple leaves seamless wallpaper pattern
Dividend Stocks

Brookfield Just Launched a $50 Billion Canada Fund: Should You Buy BAM Stock?

| Amy Legate-Wolfe

Brookfield and CPP just unveiled a $50 billion “Maple Fund.” It’s a reminder that Brookfield gets the call when Canada…

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worry concern
Retirement

Wealthy Investors Love Private Credit: Should it Be Anywhere Near Your RRSP?

| Amy Legate-Wolfe

Private credit looks calm and high-yield, but the extra return often reflects real credit risk and limited liquidity, which can…

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Silver coins fall into a piggy bank.
Stocks for Beginners

Cash Feels Safe, but This Is the TFSA Risk Investors Aren’t Pricing In

| Amy Legate-Wolfe

A cash-heavy TFSA can look calm for years while inflation quietly erodes what your money can actually buy.

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Canadian Dollars bills
Dividend Stocks

Carney Wants $1 Trillion Invested in Canada: This TSX Stock Could Benefit

| Amy Legate-Wolfe

Carney’s $1 trillion investment push is huge, and AtkinsRéalis could be paid to design and manage the projects that make…

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

Canadian Banks Just Pledged $325 Billion: Here’s the 1 Bank I’d Buy

| Amy Legate-Wolfe

Global investors are lining up to fund Canada’s next buildout, and BMO could profit by financing and advising the boom.

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space ship model takes off
Tech Stocks

Canada’s Aerospace Boom is Taking Off: Here’s the TSX Stock to Buy Now

| Amy Legate-Wolfe

Canada’s aerospace boom is being fuelled by a new wave of defence spending, and Bombardier could be a direct TSX…

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investor schemes to buy stocks before market notices them
Energy Stocks

GIC or Dividend Stock? Here’s Where I’d Put $10,000 for the Next 5 Years

| Amy Legate-Wolfe

I'd invest in this hydro producer and wait for the share price to recover if the timing goes wrong.

Read more »

shopper checks her receipt
Retirement

A $1 Million RRSP Sounds Wonderful: Here’s the Tax Trap Waiting at 71

| Amy Legate-Wolfe

A $1 million RRSP can trigger forced RRIF withdrawals and OAS clawbacks, so planning before 71 matters.

Read more »

man with shovel stands by a hole
Dividend Stocks

TD Just Put $150 Billion Behind Canada’s Next Investment Boom. Should You Buy the Stock?

| Amy Legate-Wolfe

Instead of betting on which mega-project wins, consider a picks-and-shovels play on the bank that earns interest and fees on…

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man looks surprised at investment growth
Stocks for Beginners

The OAS Clawback Can Start Before You Feel Rich: I’d Make This Move Earlier

| Amy Legate-Wolfe

OAS clawbacks can hit “comfortable” retirees, so shifting income into a TFSA and managing RRSP/RRIF withdrawals early matters.

Read more »

Retirees sip their morning coffee outside.
Retirement

Hoping to Retire Soon? 2 Stocks You Can Rely on for Monthly Passive Income

| Christopher Liew, CFA

Two dividend stocks are compelling options for soon-to-be retirees seeking to create monthly passive income as they enter the sunset…

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Yellow caution tape attached to traffic cone
Retirement

Your RRSP Could Become a Tax Problem Before You Realize You’re Wealthy

| Amy Legate-Wolfe

A seven-figure RRSP feels like financial freedom, but the tax bill and forced withdrawals can make it less “yours” than…

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holding coins in hand for the future
Dividend Stocks

The 4% Rule Isn’t a Retirement Plan: I’d Build These 3 Income Layers Instead

| Amy Legate-Wolfe

The 4% rule is a helpful estimate, but a three-layer income plan shows exactly where your next retirement payment comes…

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senior couple looks at investing statements
Dividend Stocks

Your RRIF Could Trigger an OAS Clawback Before You Feel Wealthy

| Amy Legate-Wolfe

OAS clawbacks can hit retirees who feel “comfortable,” especially when RRIF withdrawals inflate taxable income.

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Blocks conceptualizing the Registered Retirement Savings Plan
Dividend Stocks

You Spent 30 Years Building an RRSP: Here’s How Not to Waste it in Retirement

| Amy Legate-Wolfe

An RRSP can become “expensive” in retirement if you wait until 71 and then face large, taxable RRIF withdrawals on…

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Train cars pass over trestle bridge in the mountains
Dividend Stocks

Want a Million-Dollar TFSA? Start With This Boring Decision

| Amy Legate-Wolfe

A million-dollar TFSA is more likely built by automatic $7,000 yearly contributions than by one “miracle” stock.

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A worker overlooks an oil refinery plant.
Dividend Stocks

The Wealthy Habit That Matters More Than Finding the Next Ten-Bagger

| Amy Legate-Wolfe

Getting rich doesn’t require finding one ten-bagger if you consistently invest meaningful amounts over decades.

Read more »

Senior uses a laptop computer
Retirement

Retirees: 2 TSX Dividend Stocks You Can Probably Hold for 10 Whole Years

| Sneha Nahata

These TSX dividend socks have sustainable payouts and are better positioned to deliver reliable income and growth over time.

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A glass jar resting on its side with Canadian banknotes and change inside.
Retirement

How to Build Retirement Wealth Inside a TFSA or RRSP

| Andrew Walker

These stocks have made some patient investors quite rich.

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man in bowtie poses with abacus
Retirement

How Much TFSA Income is Too Much for OAS Eligibility?

| Kay Ng

Canadians should take full advantage of their TFSA as part of their retirement plan to help avoid OAS clawback.

Read more »

ETFs can contain investments such as stocks
Dividend Stocks

VFV Isn’t a Complete Portfolio: Here’s What Canadian Investors May Be Missing

| Amy Legate-Wolfe

VFV feels like a complete portfolio, but it’s really a concentrated bet on U.S. large caps and the U.S. dollar.

Read more »

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

Retirees Love Dividends: Here’s the Number That Matters More Than Yield

| Amy Legate-Wolfe

A tempting 7% yield can vanish fast, so checking the payout ratio helps confirm a dividend is actually sustainable.

Read more »

A red umbrella stands higher than a crowd of black umbrellas.
Dividend Stocks

A 6% Yield Won’t Save a Weak Dividend: I’d Buy This Growing Payout Instead

| Amy Legate-Wolfe

A lower 3.3% yield can beat a 6% yield over time if the dividend keeps growing, and Manulife is showing…

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c
Stocks for Beginners

You Don’t Need a Million-Dollar Salary to Build a Million-Dollar TFSA

| Amy Legate-Wolfe

A million-dollar TFSA is built with ordinary annual contributions and decades of compounding, not an extraordinary salary.

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infrastructure like highways enables economic growth
Dividend Stocks

A $7,000 TFSA Contribution Could Become $70,000: Here’s the Math

| Amy Legate-Wolfe

A single $7,000 TFSA contribution can grow into $70,000 over decades if you pair time with a durable grower like…

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

The First $100,000 Is the Hardest: Here’s How a TFSA Can Do the Rest

| Amy Legate-Wolfe

Hit $100,000 in a TFSA and compounding can start doing more work than your annual contributions.

Read more »