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Retirement

Recent Retirement News

woman considering the future
Dividend Stocks

The $1.7 Million Retirement Number Is an Average: Here’s How to Find Yours

| Amy Legate-Wolfe

Canada’s $1.7-million retirement expectation says little about your own target until spending, pensions, and withdrawal taxes are included.

Read more »

horses compete to win race
Dividend Stocks

Telecoms Were Monday’s Worst TSX Sector: This One Yields 4.5%

| Amy Legate-Wolfe

Rogers offers a meaningful dividend yield, with debt reduction providing the clearest test of the investment case.

Read more »

man in business suit pulls a piece out of wobbly wooden tower
Stocks for Beginners

The U.S. Just Cut Lumber Duties: This Producer Got the Lowest Rate

| Amy Legate-Wolfe

West Fraser's new announced duty rate offers relief, although separate tariffs and weak housing demand remain substantial hurdles.

Read more »

A woman shops in a grocery store while pushing a stroller with a child
Dividend Stocks

An Ideal TFSA Stock for Retirees, Paying 5.2% Each Month

| Daniel Da Costa

Here's why this popular Canadian real estate stock is one of the best picks for retirees inside their TFSAs.

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

The RRSP Deadline is in March: Here’s Why November Starters Come Out Ahead

| Amy Legate-Wolfe

An earlier RRSP contribution plan spreads the cash commitment and leaves more time to make sensible investment choices.

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how to save money
Energy Stocks

Gasoline Is Up 27.8% in a Year: This Oilsands Giant Is Cashing In

| Amy Legate-Wolfe

Suncor's integrated operations generate substantial cash, although a strong oil quarter shouldn't become a permanent assumption.

Read more »

The sun sets behind a power source
Dividend Stocks

Taking CPP at 60 Shrinks Your Cheque 36%: This Dividend Stock Helps Bridge the Gap

| Amy Legate-Wolfe

Fortis can supplement retirement income, but dividend cash and a permanently reduced CPP pension aren't interchangeable.

Read more »

Concept of multiple streams of income
Dividend Stocks

Hike Bets Just Surged From 30% to 80%: This Insurer Doesn’t Mind at All

| Amy Legate-Wolfe

Manulife offers a different angle on rising rates, with Asian growth providing a stronger reason to own it.

Read more »

Two seniors walk in the forest
Stocks for Beginners

Don’t Panic About Retirement: Do This Instead

| Amy Legate-Wolfe

An affordable monthly savings habit can improve a retirement plan substantially, while Dollarama shows why a good business still needs…

Read more »

Investor reading the newspaper
Stocks for Beginners

Steel is Back in the Headlines: This Iron Ore Royalty Pays You to Watch

| Amy Legate-Wolfe

Labrador Iron Ore Royalty offers a variable dividend, with mine recovery carrying more weight than steel-policy headlines.

Read more »

man shops at grocery store
Stocks for Beginners

What $10,000 in Dollarama Became in 10 Years

| Amy Legate-Wolfe

A nearly 10-year Dollarama holding grew to roughly $58,000 before dividends, while today's valuation raises a different question.

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Train cars pass over trestle bridge in the mountains
Dividend Stocks

CN Stock Looks Like a Buy After Raising Its 2026 Outlook

| Demetris Afxentiou

CN stock has a stronger 2026 outlook and a 2.2% dividend yield. Here’s what supports the buying case and what…

Read more »

woman considering the future
Dividend Stocks

For Retirement Planning, How Much Goes in the RRSP and How Much in the TFSA?

| Christopher Liew, CFA

To build tax-efficient retirement wealth, Canadians must know when to prioritize the RRSP over the TFSA, and vice-versa.

Read more »

a person looks out a window into a cityscape
Dividend Stocks

Rate-Hike Bets Are Back: What They Mean for This Apartment REIT

| Amy Legate-Wolfe

CAPREIT trades far below reported net asset value, but refinancing costs and softer occupancy explain the market's hesitation.

Read more »

oil pump jack under night sky
Energy Stocks

A 4% Dividend Stock Paying Monthly Cash

| Amy Legate-Wolfe

Whitecap pays about $65 monthly on a $20,000 budget, with recent cash after capital spending comfortably covering the dividend.

Read more »

Real estate investment concept
Dividend Stocks

First-Time Buyers Have Until December 31 to Claim the FHSA Deduction

| Amy Legate-Wolfe

The FHSA's December deadline applies to contributions, giving eligible buyers a chance to reduce 2026 taxable income.

Read more »

data analyze research
Stocks for Beginners

Maxing Out Your TFSA Isn’t the Final Step: Here’s What Is

| Amy Legate-Wolfe

A full TFSA still needs a plan: protect near-term spending, diversify long-term holdings, and understand when withdrawals restore room.

Read more »

financial chart graphs and oil pumps on a field
Dividend Stocks

This TSX Royalty Stock Pays Its Monthly Dividend Today: The Payout Math Behind It

| Amy Legate-Wolfe

Freehold pays eligible shareholders today, with a $10,000 investment offering about $52 monthly at the current dividend.

Read more »

dairy milk spills out of glass
Stocks for Beginners

Canada’s Dairy Rules Are Back in Washington’s Crosshairs: What it Means for Saputo

| Amy Legate-Wolfe

Saputo's local U.S. factories complicate the trade-war story, while stronger protein demand offers a separate earnings opportunity.

Read more »

A family watches tv using Roku at home.
Dividend Stocks

This TSX Stock is Still Down 12% This Year Despite a Strong Quarter

| Amy Legate-Wolfe

Rogers' shares have fallen about 15% this year while free cash flow improved, creating an income opportunity with debt attached.

Read more »

middle-aged couple work together on laptop
Dividend Stocks

The Year-End Tax Move Retired Couples Shouldn’t Miss

| Amy Legate-Wolfe

Pension splitting happens at tax time, but eligible retirees may need to arrange the right withdrawals before December 31.

Read more »

panning for gold uncovers nuggets and flakes
Stocks for Beginners

Gold Pulled Back From Its Record: This Royalty Stock Raised Its Dividend 18%

| Amy Legate-Wolfe

OR Royalties offers a different way to own gold exposure, with strong dividend coverage and a modest starting yield.

Read more »

Data center servers IT workers
Retirement

CPP and OAS Alone Probably Won’t Cover Retirement: How to Fill the Gap

| Puja Tayal

Prepare for retirement by understanding the limits of CPP and OAS for your financial future. Stay informed and secure.

Read more »

Forklift in a warehouse
Dividend Stocks

The Best Monthly Paying Dividend Stock on the TSX: My Pick and My Buy Price

| Amy Legate-Wolfe

Granite combines monthly income with a reported payout cushion, while an $80 buy price improves what a new investor receives.

Read more »

oil pumps at sunset
Dividend Stocks

CIBC Just Put a $17.50 Target on This Homegrown Oil Stock

| Amy Legate-Wolfe

Tamarack's target implies roughly 24% upside, while a cleaner balance sheet gives its Clearwater strategy room to work.

Read more »

Concept of rent, search, purchase real estate, REIT
Stocks for Beginners

On a Variable Mortgage? Markets Are Now Betting on Hikes, Not Cuts

| Amy Legate-Wolfe

A rate hike remains possible, even after weak jobs data. Here's the household cost and the separate CIBC investment decision.

Read more »

data center server racks glow with light
Tech Stocks

AI Data Centres Need Power: This Canadian Stock Just Won a 1GW Contract

| Amy Legate-Wolfe

Enerflex has landed substantial data centre equipment work. The opportunity now depends on what reaches shareholders after delivery.

Read more »

gold prices rise and fall
Stocks for Beginners

Gold is Near $4,200: This Miner Pays You to Wait

| Amy Legate-Wolfe

Agnico's cash position supports its dividend, but gold-price sensitivity and a modest starting yield define what investors actually receive.

Read more »

woman checks off all the boxes
Stocks for Beginners

Using Your TFSA as a Retirement Account: Pros and Cons

| Kay Ng

The TFSA is an excellent tool to help you save and invest for your retirement nest egg, but there are…

Read more »

money goes up and down in balance
Dividend Stocks

Building a Retirement Paycheque: Where Each Dollar Comes From

| Puja Tayal

Thinking about retirement? Find methods to create passive income to cover daily expenses and enhance your financial freedom.

Read more »

Three children jump on an outdoor trampoline
Dividend Stocks

The RESP Deadline is December 31: Ottawa Adds 20% for Free

| Amy Legate-Wolfe

An affordable RESP contribution can attract a 20% basic grant, with December timing, catch-up limits, and the child's age shaping…

Read more »

Train cars pass over trestle bridge in the mountains
Stocks for Beginners

This Canadian Stock Is Down 9%: I’d Buy it for Life

| Amy Legate-Wolfe

CN is below its yearly high while grain shipments set a record, giving long-term investors a concrete reason to examine…

Read more »

jar with coins and plant
Dividend Stocks

Dividend Stocks or Annuities for Retirement Income?

| Brian Paradza, CFA

Here's how Canadian dividend stocks and annuities compare as retirement income sources

Read more »

trading chart of brent crude oil prices
Energy Stocks

Oil Hit a Two-Week High: This Canadian Producer Turns it Into Dividends

| Amy Legate-Wolfe

CNQ's recent cash-funded dividends, buybacks, and debt reduction are allowing shareholders to capture the windfall from the oil rally.

Read more »

Paper Canadian currency of various denominations
Stocks for Beginners

Your Broker Withholds 15% on U.S. Dividends: Here’s The Tax Credit That Gets It Back

| Amy Legate-Wolfe

U.S. dividend withholding depends on your account, while BMO shows how a Canadian stock can offer U.S. exposure.

Read more »

Hand Protecting Senior Couple
Stocks for Beginners

How Much Do You Actually Need to Retire in Canada?

| Amy Legate-Wolfe

The same retirement lifestyle can require very different savings balances once pensions and withdrawal taxes enter the calculation.

Read more »

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

Mortgage Rates Are Rising: The Bank of Canada Hasn’t Moved

| Amy Legate-Wolfe

Fixed mortgage rates can rise without a central-bank move, adding real monthly costs while also testing lenders' funding and credit…

Read more »

Senior uses a laptop computer
Retirement

The Last 10 Years Before Retirement: What Canadians Should Focus On

| Karen Thomas, MSc, CFA

Here are some key considerations on how to manage your investment portfolio now for a financially healthy Canadian retirement later.

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Dam of hydroelectric power plant in Canadian Rockies
Energy Stocks

Hydro One Wants to Spend $37 Billion: What It Means for Its Dividend

| Amy Legate-Wolfe

Hydro One's proposed $37-billion plan could support dividend growth, with approval, financing, and completed assets determining the result.

Read more »

Metals
Energy Stocks

What Happens Next After Ottawa’s Deadline for Stelco

| Amy Legate-Wolfe

Stelco's owner has defended its layoffs, but Ottawa's deadline doesn't automatically settle the jobs dispute or the investment case.

Read more »