DivGuy, Author at The Dividend Guy Blog

Market Volatility at 40 vs. 65: What Changes

You retire on a Tuesday. The market drops 18% on Wednesday. Same portfolio, same dividend stocks you held last week, and every red number now feels personal. That gap between feeling and reality is the difference between the accumulation phase and the decumulation phase. When you are 40, a market drop is a sale. When you are 65, it can feel like the end of your retirement plan. The portfolio did not change. Your relationship to it did. This article walks through what volatility means at …

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The Best US Financial Stocks for a Dividend Growth Portfolio

Best Dividend stocks, Blog

I often talk about Canadian financial stocks, especially banks, because they operate in what appears to be an oligopoly. To me, the best financial stocks are Canadian. That said, there are major US players that have proven to be excellent. Let's dig into them. Financials get a bad reputation in dividend portfolios. Some investors associate the sector with 2008. Others remember the 2023 regional bank failures. Many do not trust companies whose products they cannot describe in one …

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Portfolio Update – April Dividend Income Report

Blog, Dividend Income Report

In 2016, I made a life-changing decision: I took a sabbatical, put my family in a small RV, and we drove all the way to Costa Rica. Upon my return in 2017, I officially quit my job as a private banker at National Bank and started working full-time on my baby: Dividend Stocks Rock. I also decided to manage my pension account held at the National Bank. I’ve built and managed this portfolio publicly since 2017 to create and track a real-life case study. In August 2017, I received $108,760.02 in a …

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CP vs CNR vs UNP: Which Railroad Belongs in Your Dividend Portfolio?

Blog, Dividend stocks

Railroads are a textbook sector for dividend investors. Wide moats, irreplaceable networks, pricing power above inflation, and cash flow that keeps showing up quarter after quarter. But "own a railroad" is not a strategy. You need to pick the right one. Three names dominate the North American market: Canadian Pacific Kansas City (CP), Canadian National Railway (CNR), and Union Pacific (UNP). Same industry, same moat, three different profiles. Here is how I rank them, and …

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Income ETFs Are Booming. Here’s What Investors Need to Understand

Blog, Dividend stocks

Income is one of the most powerful words in investing. Say “growth,” and some investors get excited. Say “value,” and others nod politely. But say “income,” and everybody pays attention. I get it. The whole point of investing is not to die with the biggest portfolio possible. At some point, your money must start working for you. It must generate cash flow. It must help you pay the bills. It must replace your paycheck. That’s exactly why we now have so many income ETFs. They …

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The Best Canadian Insurance Stocks: Which One Deserves Your Money?

Blog, Canadian Dividend Stocks

When investors look at insurers, they often see large balance sheets, generous dividends, and stable businesses. At first, Intact Financial, Great-West Lifeco, Manulife, and Sun Life look like they belong in the same bucket. But when digging deeper, there are differences to consider. These four insurers don’t grow the same way, they don’t take the same risks, and they won’t appeal to the same type of investor. One dominates property and casualty insurance with disciplined underwriting. One …

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