TFSA Investors: How to Protect Your Passive Income From Inflation
TFSA Investors: How to Protect Your Passive Income From Inflation
There is a straightforward rule for creating an inflation-resistant passive income with stocks — i.e., sticking to Dividend Aristocrats.
用股票创造抗通胀的被动收入有一条直截了当的规则,即坚持使用股息贵族。
The stocks with years of consecutive dividend growth on their track record and the financial stability to continue this practice can help you create a passive-income stream that gets an "upgrade" every year. So, as your expenses grow, your passive stream will also grow to bridge the gap.
连续多年股息增长的股票以及延续这种做法的财务稳定性可以帮助您创造每年获得 “升级” 的被动收入来源。因此,随着支出的增长,您的被动资金流也将增加以弥合差距。
The choice of account is not a matter of debate here. A Tax-Free Savings Account (TFSA) is the natural choice since it allows you to cash out the dividends. The best part is that such a passive income is also not a burden on your tax bill. The last part of the puzzle is choosing the right Dividend Aristocrats.
账户的选择在这里不是一个有争议的问题。一个 免税储蓄账户 (TFSA) 是自然的选择,因为它允许您兑现股息。最好的部分是,这种被动收入也不会成为税收账单的负担。谜题的最后一部分是选择正确的股息贵族。
An energy giant
能源巨头
The energy sector in Canada has multiple aristocrats, but a giant like Enbridge (TSX:ENB) offers multiple layers of safety to its investors.
加拿大的能源行业有多个贵族,但是像Enbridge(多伦多证券交易所股票代码:ENB)这样的巨头为其投资者提供了多层安全保障。
Not only is it the largest publicly traded energy company in Canada (by market cap), but its pipeline and a massive natural gas utility business in the U.S. and Canada make its revenues highly stable. This is an important factor to consider in long-term dividend growth sustainability.
它不仅是加拿大最大的上市能源公司(按市值计算),而且其管道和在美国和加拿大的大型天然气公用事业业务使其收入高度稳定。这是长期股息增长可持续性中需要考虑的重要因素。
It also has one of the most impressive dividend growth track records among Aristocrats, not just in the energy sector but also in the market at 29 years of consecutive growth.
它还拥有贵族中最令人印象深刻的股息增长记录之一,不仅在能源领域,在市场上也是如此,连续29年增长。
The company has set a conservative outlook for its dividend growth, shifting from the past incredibly generous dividend boosts. It's trading sustainability for the scale of dividend growth. This minor "limitation" can be offset by leveraging the current mouth-watering 6.7% yield.
该公司为其股息增长设定了保守的前景,改变了过去极其慷慨的股息提升。这是用可持续性换取股息增长规模。利用目前令人垂涎的6.7%收益率,可以抵消这一微小的 “限制”。
A banking giant
一家银行业巨头
Toronto-Dominion (TSX:TD) is the second-largest bank in Canada by market cap and the top bank in multiple categories. It also has a solid presence in the U.S., which is usually a strength but is currently a problem for the bank. It is the target of a U.S. probe into its anti-money laundering practices. This probe is one of the reasons the bank is not following the bullish trends like its peers in the banking sector.
按市值计算,多伦多道明银行(TSX: TD)是加拿大第二大银行,也是多个类别中排名第一的银行。它在美国也有稳固的影响力,这通常是一种优势,但目前对该银行来说是一个问题。它是美国对其反洗钱行为进行调查的目标。这项调查是该银行不像银行业同行那样关注看涨趋势的原因之一。
However, the bank has also shown incredible resilience despite its regulatory challenges and slumped relatively minor, which increased its dividend yield to a relatively higher level of 5.1%. The bank shares the financial stability characteristic of Canadian banks, making it a solid pick for creating an inflation-resistant passive income.
但是,尽管面临监管挑战,但该银行也表现出令人难以置信的弹性,跌幅相对较小,这使其股息收益率提高到相对较高的水平,为5.1%。该银行具有加拿大银行的金融稳定特征,使其成为创造抗通胀被动收入的不二之选。
A telecom giant
一家电信巨头
Telus (TSX:T) is another second-place giant on this list but in an even more consolidated market. Just three giants dominate telecom in Canada, so Telus has quite a hefty slice of the total pie. It's also one of the top 5G stocks in Canada.
Telus(多伦多证券交易所股票代码:T)是该榜单上另一家排名第二的巨头,但市场更加整合。只有三家巨头在加拿大电信业占据主导地位,因此Telus在整个市场中占有相当大的份额。它也是顶级产品之一 5G 股票 在加拿大。
The entire telecom sector suffered from some regulatory challenges a while back, pushing them down quite a bit and raising their yields as a result. Telus lost about 35% of its market value, and the yield beefed up considerably (7% at the time of writing this).
不久前,整个电信行业遭受了一些监管挑战,使它们大幅下跌,从而提高了收益率。Telus损失了约35%的市值,收益率大幅上升(在撰写本文时为7%)。
Compared to other telecom giants in Canada, Telus is usually a relatively decent grower, so once it starts recovering, you are likely to benefit from more than just its dividends.
与加拿大的其他电信巨头相比,Telus通常是一个相对不错的增长者,因此,一旦它开始复苏,您可能受益的不仅仅是其股息。
Foolish takeaway
愚蠢的外卖
The three Dividend Aristocrats can help you start a passive income from your TFSA that might remain ahead of inflation, even if the growth is relatively conservative. They are also giants in their respective industries with solid fundamentals, making them more resilient against weak markets than their smaller peers. This further augments the strength of your passive income.
这三位股息贵族可以帮助您从免税储蓄账户中获得被动收入,即使增长相对保守,也可能领先于通货膨胀。它们也是各自行业的巨头,基本面稳健,这使得它们比规模较小的同行更能抵御疲软的市场。这进一步增强了您的被动收入的力量。