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Retirement

Recent Retirement News

middle-aged couple work together on laptop
Retirement

Could Delaying OAS Make Sense? The Trade-Offs Explained 

| Puja Tayal

Understand the Old Age Security pension, its eligibility rules, and the financial implications for Canadians aged 65 and older.

Read more »

RRSP (Registered Retirement Savings Plan) on wooden blocks and Canadian one hundred dollar bills.
Dividend Stocks

RRSP Refund Strategy: What to Do With the Money You Get Back

| Demetris Afxentiou

An RRSP refund strategy can help turn your tax refund into long-term savings. Here are three options to consider today.

Read more »

Paper Canadian currency of various denominations
Dividend Stocks

The Canadian Dollar Just Hit a 5-Week High: Here’s What it Means for U.S. Stocks

| Amy Legate-Wolfe

A stronger loonie can shrink an existing U.S. holding while making your next purchase more affordable.

Read more »

Warning sign with the text "Trade war" in front of container ship
Dividend Stocks

Canada-U.S. Trade Talks Are Back: This TSX Stock Could Benefit If Tariffs Ease

| Amy Legate-Wolfe

Magna could benefit from smoother automotive trade, with improving profits giving the idea a foundation beyond negotiations.

Read more »

Bank of Canada Governor Tiff Macklem
Dividend Stocks

A Bank of Canada Rate Hike Could Change the GIC-vs.-Dividend Stock Math

| Amy Legate-Wolfe

A better guaranteed rate can make room for a more patient approach to dividend investing.

Read more »

Tractor spraying a field of wheat with fertilizer
Dividend Stocks

B.C.’s Premier-Elect Wants to Double Gas Output: This Vancouver Stock Sells the Equipment

| Amy Legate-Wolfe

Finning could benefit from more energy investment, with equipment servicing giving shareholders a business beyond the next big order.

Read more »

Real estate investment concept with person pointing on growth graph and coin stacking to get profit from property
Stocks for Beginners

The Home Buyers’ Plan Limit is $60,000, and This Mortgage Lender Could Benefit

| Amy Legate-Wolfe

The HBP can strengthen a down payment, while EQB offers investors a different way to participate in Canadian housing.

Read more »

A worker gives a business presentation.
Tech Stocks

How Inflation Quietly Raises Your Retirement Target

| Puja Tayal

Get insights into inflation and its effects on your savings. Discover what influences inflation and how to manage it.

Read more »

dividends can compound over time
Energy Stocks

This Power Stock Raised Its Dividend 8% This Year, yet the Cash Behind it Deserves a Look

| Amy Legate-Wolfe

TransAlta's small dividend leaves most of its cash available for the power business and its next growth opportunities.

Read more »

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

Delaying CPP to 70: Is the Bigger Payout Worth the Wait?

| Puja Tayal

Understand CPP and how the timing of your payout affects your retirement income. Explore the best age to start collecting.

Read more »

arrows hit bullseye on target
Dividend Stocks

Retirement Target Up From $1.54 Million to $1.7 Million: What’s Behind the Jump?

| Puja Tayal

Is $1.7 million your Retirement Target? Learn how inflation is driving changes in retirement planning for Canadians.

Read more »

motorcycle rider smiles on bike
Retirement

Starting Retirement Savings in Your 30s? You’re Not Behind. Here’s the Plan

| Jitendra Parashar

Starting retirement savings in your 30s isn’t too late. These two fundamentally strong TSX stocks could help you build handsome…

Read more »

voice-recognition-talking-to-a-smartphone
Dividend Stocks

Down 25%, Rogers Pays 4.7%: What I’d Need to See Before Buying

| Amy Legate-Wolfe

Rogers’ price decline has lifted its yield, while cash-flow coverage and debt reduction determine whether the lower price is worth…

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concept of real estate evaluation
Dividend Stocks

FHSA vs. RRSP: Which Is Better for First-Time Homebuyers?

| Amy Legate-Wolfe

The FHSA and RRSP can both help first-time buyers, but the repayment difference becomes important once mortgage payments begin.

Read more »

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

Retirement Savings in Your 50s: The Catch-Up Plan

| Jitendra Parashar

These two Canadian dividend stocks could help investors in their 50s strengthen retirement savings through regular income and long-term growth.

Read more »

scanning a package shipping label for ecommerce delivery
Dividend Stocks

As Washington Announces Packing Tariff Relief, Stock Up on This Box Stock

| Amy Legate-Wolfe

Cascades could benefit from less trade pressure while its own operating improvements build a stronger business.

Read more »

Financial analyst reviews numbers and charts on a screen
Energy Stocks

Natural Gas Prices Are Weak, but This Producer Still Pays a 5.6% Monthly Dividend

| Amy Legate-Wolfe

Peyto's hedges help explain why its monthly dividend can hold up when the daily gas price looks disappointing.

Read more »

Real estate investment concept
Stocks for Beginners

Got $8,000 in Your FHSA? You May Still Have $8,000 in Unused Room

| Amy Legate-Wolfe

An FHSA can make saving for a first home easier, even when you can't afford the full contribution immediately.

Read more »

people sit in two wooden beach chairs facing the Caribbean ocean holding drinks and making a toast
Dividend Stocks

Turning 71 in 2027? Your RRSP Conversion Deadline Is December 31, 2027

| Amy Legate-Wolfe

Planning your RRIF now can help your investments keep growing while making future withdrawals easier to manage.

Read more »

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

This Monthly Income ETF Yields 11%, and It Deserves a Closer Look

| Demetris Afxentiou

This monthly income ETF offers U.S. stock exposure and a double-digit yield. Take a closer look at HYLD’s strategy, income…

Read more »

Real estate investment concept with person pointing on growth graph and coin stacking to get profit from property
Dividend Stocks

Renting vs. Owning: How Housing Changes How Much You Need to Retire

| Christopher Liew, CFA

Canadians might need to adjust their retirement savings target because of housing changes, and choose between renting and owning a…

Read more »

ETF is short for exchange traded fund, a popular investment choice for Canadians
Stocks for Beginners

Your 30s, 40s and 50s: Retirement Priorities for Each Decade

| Tony Dong, MSc, CETF®

Explore retirement priorities for your 30s, 40s, and 50s, including how ZEQT, ZGRO, and ZBAL fit different stages of investing.

Read more »

Quality Control Inspectors at Waste Management Facility
Dividend Stocks

This Stock Just Raised its Dividend 10%, its 16th Straight Double-Digit Increase

| Amy Legate-Wolfe

Waste Connections shows how an everyday service can become a growing source of shareholder income.

Read more »

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

Took Money Out of Your TFSA This Year? Your Withdrawal Room Returns January 1

| Amy Legate-Wolfe

A quick TFSA refill can create an avoidable tax bill, but a little planning keeps your money working.

Read more »

woman holding steering wheel is nervous about the future
Stocks for Beginners

Can You Still Catch Up on Retirement at 55? Here’s What’s Possible

| Amy Legate-Wolfe

Starting at 55 still leaves room for meaningful progress, with regular contributions and a realistic retirement date improving the numbers.

Read more »

Happy golf player walks the course
Dividend Stocks

A Top-Notch 5.6% Dividend Stock to Fuel Your Retirement Income Every Month

| Christopher Liew, CFA

A high-yield dividend stock with 20 years of consistent monthly payouts can fuel retirement income.

Read more »

person with spyglass looks at ocean horizon
Energy Stocks

A 10-Year Look at Building Dividend Income From Monthly Contributions

| Amy Legate-Wolfe

Ten years of $500 monthly contributions can build meaningful dividend income, with Emera illustrating the role of yield and gradual…

Read more »

bank of canada governor tiff macklem
Dividend Stocks

The BoC Could Hike Rates Wednesday, and This REIT Paying 4.2% Could Be a Strong Choice

| Amy Legate-Wolfe

Granite's monthly income looks more appealing when you see how much rent supports the payment.

Read more »

senior couple looks at investing statements
Retirement

Retirement Savings Plan for Late Starters: A Realistic Roadmap

| Jitendra Parashar

These Canadian dividend stocks could help late starters build retirement savings through income and long-term growth.

Read more »

woman stares at chocolate layer cake
Dividend Stocks

How to Make Your Retirement Savings Last Longer

| Christopher Liew, CFA

Retirement savings can last longer with proper fund management, a well-structured withdrawal strategy, and controlled spending.

Read more »

some investments are riskier than others
Dividend Stocks

A 7% Dividend Stock Paying Monthly Cash

| Amy Legate-Wolfe

SmartCentres produces about $117 monthly from a $20,000 budget, backed by high occupancy but exposed to property and financing risks.

Read more »

middle-aged couple work together on laptop
Dividend Stocks

Spousal RRSPs Explained: Who Benefits and When

| Amy Legate-Wolfe

A spousal RRSP can spread future taxable income between partners, but the deduction and withdrawal timing rules determine the benefit.

Read more »

gift is bigger than the other
Stocks for Beginners

Up 32% This Year? The December Move That Turns Gains Into Tax Savings

| Amy Legate-Wolfe

Donating appreciated listed shares directly can improve the tax efficiency of a gift you already intend to make.

Read more »

Runner on the start line
Stocks for Beginners

Ottawa Fast Tracks Nation-Building Projects: This Builder Has a Record $12B Backlog

| Amy Legate-Wolfe

Aecon offers exposure to infrastructure spending, with contract execution determining how much backlog eventually becomes profit.

Read more »

Retirees sip their morning coffee outside.
Dividend Stocks

What Does “Retiring Comfortably” Actually Cost in Canada?

| Christopher Liew, CFA

Canadians have ways to supplement government pensions and may not need a multi-million-dollar nest egg to retire comfortably.

Read more »

frustrated shopper at grocery store
Dividend Stocks

Grocery Inflation Just Hit a 2-Year Low: The Dividend Math on This Grocer

| Amy Legate-Wolfe

Loblaw's small dividend offers room for growth, while its share price requires more than a quieter inflation report.

Read more »

Canada day banner background design of flag
Energy Stocks

76% of Albertans Chose Canada: This Alberta Gas Stock Just Hit a 3-Year High

| Amy Legate-Wolfe

Tourmaline's costs, market access, and planned dividend increase provide a more durable investment case than referendum relief.

Read more »

woman holding steering wheel is nervous about the future
Dividend Stocks

Tax Refund or Bonus Coming? A Smart Way to Fund Your Emergency Cushion

| Amy Legate-Wolfe

A refund or bonus could bring your emergency fund months closer to completion and give your investments more time to…

Read more »

ETF is short for exchange traded fund, a popular investment choice for Canadians
Dividend Stocks

The One Registered Account Where the U.S. Takes 0% of Your Dividends

| Amy Legate-Wolfe

A qualifying RRSP can receive certain U.S. dividends without withholding, but Canadian-listed ETFs follow a different route.

Read more »

warehouse worker takes inventory in storage room
Dividend Stocks

This REIT Pays You Every Month: Here’s What $25,000 Buys in Income

| Amy Legate-Wolfe

Granite REIT turns a $25,000 budget into about $88 a month at its current distribution rate, before tax.

Read more »