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Retirement

Recent Retirement News

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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…

Read more »

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.

Read more »

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.

Read more »

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.

Read more »

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.

Read more »

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.

Read more »

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…

Read more »

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 »

Hand Protecting Senior Couple
Retirement

TFSA Retirement Income: 1 Top TSX Dividend Stock to Consider Now

| Andrew Walker

This company has increased its dividend annually for the past three decades.

Read more »

Couple working on laptops at home and fist bumping
Dividend Stocks

$200 a Month in Tax-Free Income Is Closer Than You Think With These 2 TSX Stocks

| Amy Legate-Wolfe

Turn unused TFSA room into a $200 monthly, tax-free “paycheque” with two steady Canadian dividend payers.

Read more »

fast shopping cart in grocery store
Dividend Stocks

This 3.3%-Yielding Stock Could Turn a $7,000 TFSA Contribution Into $231 a Year

| Amy Legate-Wolfe

A single $7,000 TFSA contribution can start a tax-free dividend snowball with North West Company’s steady grocery business.

Read more »

A meter measures energy use.
Energy Stocks

The 1 Canadian Dividend Stock I’d Buy in Any Market

| Demetris Afxentiou

This Canadian dividend stock offers reliable income, steady growth, and a defensive business built to perform through almost any market.

Read more »

real estate and REITs can be good investments for Canadians
Dividend Stocks

The Dividend Stock I’d Buy Today and Hold Until 2036

| Amy Legate-Wolfe

A “meh” 2% yield can be far more valuable than a flashy 7% if it keeps rising for a decade.

Read more »

people apply for loan
Dividend Stocks

This Canadian Stock Could Be a Millionaire-Maker Without Becoming the Next Shopify

| Amy Legate-Wolfe

A million-dollar portfolio doesn’t require finding the next Shopify if you invest consistently and own profitable compounders like CGI.

Read more »

runner checks her biodata on smartwatch
Stocks for Beginners

Gildan’s Vertically Integrated Supply Chain Could Be the Best Tariff Shield Yet

| Amy Legate-Wolfe

Gildan’s vertically integrated supply chain and trade-friendly manufacturing footprint could help it protect margins as tariffs shift.

Read more »

alcohol
Dividend Stocks

This Stock Could Be a Retirement Game-Changer

| Jitendra Parashar

This Canadian retirement stock combines strong recent gains, growing financial businesses, and reliable quarterly dividends.

Read more »

senior man and woman stretch their legs on yoga mats outside
Retirement

Want $1,000 a Month in Retirement Income? Here’s How Much You May Actually Need

| Amy Legate-Wolfe

An extra $1,000 a month in retirement is easiest to fund when you use tax-smart accounts and dividend growers that…

Read more »

Train cars pass over trestle bridge in the mountains
Dividend Stocks

1 Number Could Tell Investors Whether This Sell-off Is Nearly Over

| Amy Legate-Wolfe

A small pullback in Canadian National Railway looks more interesting when freight demand is still rising.

Read more »

A airplane sits on a runway.
Stocks for Beginners

Your Trump Trade War Roundup After a Busy Weekend

| Amy Legate-Wolfe

As Canada’s new counter-tariffs take effect, and the Bombardier and auto items are still threats, investors should separate what’s real…

Read more »

container trucks and cargo planes are part of global logistics system
Dividend Stocks

I’d Put My Entire $7,000 TFSA Contribution Into This Growth Stock

| Amy Legate-Wolfe

A single $7,000 TFSA contribution can turn into a much bigger number if it’s invested in a durable grower like…

Read more »

looking backward in car mirror
Dividend Stocks

A 7% Yield Looks Tempting: I’d Check This Number Before Buying a Single Share

| Amy Legate-Wolfe

A 7% yield is only attractive if the REIT’s cash flow can comfortably cover it, and Automotive Properties looks worth…

Read more »

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

2 TSX Dividend Stocks Retirees Can Buy and Hold for the Next Decade

| Robin Brown

These dividend stocks provide the right mix of growth, income, and stability for the long term.

Read more »

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

Canada’s Data-Centre Boom Needs More Than Chips: This TSX Stock Could Win

| Amy Legate-Wolfe

AI chips can’t do anything without massive buildings and power infrastructure, and Bird Construction is getting paid to build it.

Read more »

how to save money
Energy Stocks

This Dividend Stock Pays Monthly and Yields 6%: Here’s What $7,000 Could Pay You

| Amy Legate-Wolfe

Freehold Royalties pairs a 6%-plus monthly dividend with an asset-light royalty model that can keep cash flowing without drilling wells.

Read more »

customer uses bank ATM
Stocks for Beginners

This Bank Stock Is Up 49%: I Still Think It Has Room to Run

| Amy Legate-Wolfe

National Bank’s stock has surged, but rising profits and a growing national footprint suggest the business may still be catching…

Read more »

holding coins in hand for the future
Dividend Stocks

3 Dividend Stocks Built to Keep Paying Through Any Market Condition

| Demetris Afxentiou

These three dividend stocks offer reliable cash flow, and strong records of rewarding shareholders through changing markets.

Read more »

House models and one with REIT real estate investment trust.
Dividend Stocks

Your GIC Is Maturing: Here’s Where I’d Put $10,000 for More Income

| Amy Legate-Wolfe

When GIC rates fall, a grocery-anchored REIT like Crombie can offer higher monthly income with some growth potential.

Read more »

Canada Day fireworks over two Adirondack chairs on the wooden dock in Ontario, Canada
Retirement

A 30-Year Retirement Is Coming: Here’s the Income Plan I Wouldn’t Delay

| Amy Legate-Wolfe

Retirement could last 30 years, so your portfolio needs income that grows to keep up with inflation.

Read more »

Happy shoppers look at a cellphone.
Stocks for Beginners

The Next Stock Market Dip May Be Smaller Than the Last: Here’s What I’d Buy Anyway

| Amy Legate-Wolfe

Waiting for the next market correction? If earnings, margins and growth expectations are improving, waiting for maximum pessimism can become…

Read more »