End-of-Year Retirement Planning: 3 Buy-and-Hold Stocks for Canadian Investors
End-of-Year Retirement Planning: 3 Buy-and-Hold Stocks for Canadian Investors
Year-end shopping doesn't need to be limited to Christmas gifts. You can also buy a slightly healthier financial future by diverting your savings to the right stocks. And new stocks don't have to mean more work keeping track of their performance.
年末购物不必仅限于圣诞礼物。您还可以通过将储蓄转投到合适的股票上,购买一个稍微健康一点的财务未来。而且,新的股票并不意味着需要更多工作去跟踪它们的表现。
With the right buy-and-forget stocks, you can achieve decent gains without exerting additional effort in managing your portfolio. They can also be smart purchases from a retirement-planning perspective.
通过合适的买入后不再关注的股票,您可以在不增加管理投资组合额外努力的情况下,实现可观的收益。它们还可以是一个聪明的购买选择,从 养老规划 的角度来看。
A railway stock
一只铁路股票
Canadian Pacific Kansas City (TSX:CP) is the only continent-wide single-line railway network. It's one of the two Canadian giants and a North American railway sector leader. However, this isn't the company's only "edge." Its massive railway network is strategically robust, connecting over 30 ports in three countries and over 30 auto facilities.
加拿大太平洋堪萨斯城(TSX:CP)是唯一的跨大陆单线铁路网络。它是两大加拿大巨头之一,也是北美铁路板块的领导者。然而,这并不是公司的唯一优势。其庞大的铁路网络在战略上稳健,连接着三国超过30个港口和30个汽车工厂。
The railway transports several necessary items in bulk, both domestically and internationally. About 20% of its freight revenue comes from grain transportation in bulk and another 20% from energy, chemical, and plastic products.
铁路运输大量必要的物品,包括国内和国际运输。其货运营业收入约20%来自大宗粮食运输,另有20%来自能源、化学和塑料产品。
While the pace has slowed, Canadian Pacific is still a promising growth stock. It grew by about 64% in the last five years, so it's technically on its way to double its investors' capital in less than a decade. It's also a well-established Aristocrat but with a small yield.
尽管增速放缓,加拿大太平洋仍然是一个有前景的成长股票。过去五年中,它增长了约64%,因此在技术上,它在不到十年的时间内将投资者的资本翻一番。它也是一个著名的老牌公司,但收益率较低。
A utility stock
公用事业股票
Utility stocks are usually preferred for their combination of safety and dividends, but Hydro One (TSX:H) adds growth to the mix as well. The stock currently offers a yield of about 2.7% and has returned roughly 77% to its investors via capital appreciation in the last five years. This rate may double your capital in fewer than seven years.
公用事业股票通常因其安全性和分红派息的结合而受到青睐,但Hydro One(TSX:H)也增加了增长因素。该股票目前提供约2.7%的收益率,并且在过去五年中通过资本增值为投资者回报了大约77%。这一比例可能在不到七年的时间内使您的资本翻倍。
As for safety, Hydro One has a healthy electrical utility business concentrated in Ontario. However, this lack of geographical diversity is an advantage. Hydro One mainly caters to the rural areas in the province, which requires an extensive transmission and distribution network. However, there is no significant competition and a consistent consumer base, augmenting the business model stability advantage.
至于安全性,Hydro One在安大略省拥有一个健康的电力公用事业业务。然而,这种地理多样性的缺乏反而成为一种优势。Hydro One主要服务于该省的农村地区,这需要一个广泛的变速器和分配网络。然而,这里没有显著的竞争,并且消费者基础稳定,增强了业务模型的稳定性优势。
An insurance stock
保险股票
Intact Financial (TSX:IFC) is one of the largest Property and Casualty insurance companies in North America and the largest in Canada. Through a few strategic acquisitions, the company also has a firm footing in Ireland, and the international business comes with its own set of growth opportunities, especially considering the saturated local market.
Intact Financial(TSX:IFC)是北美最大的财产与意外保险公司之一,也是加拿大最大的公司。通过几项战略收购,该公司在爱尔兰也有了稳固的立足点,国际业务带来了自身的一系列增长机会,尤其是在当地市场饱和的情况下。
Intact Financial also offers a healthy return potential and a strong combination of dividends and capital appreciation, though it leans more towards the latter. It has risen by about 98% in the last five years, and the momentum is still quite strong.
Intact Financial还提供健康的回报潜力和强大的分红派息与资本增值的组合,尽管它更偏向后者。在过去五年中,该股票上涨了大约98%,而且势头依然相当强劲。
The dividend yield has naturally shrunk thanks to its rapid growth, but it's still decent enough at about 1.8%. The dividend history is impressive, as the company has grown its payouts for about 18 consecutive years.
由于其快速增长,分红收益率自然缩小,但仍然相当不错,约为1.8%。分红历史令人印象深刻,因为该公司已连续增长其派息约18年。
Foolish takeaway
愚蠢的看法
While all three companies pay dividends and are well-established Aristocrats, their primary attraction is their growth potential. They are also safe and resilient, partly because of their business model and the leadership status in the respective markets.
虽然这三家公司都支付分红派息并且是成熟的贵族公司,但它们的主要吸引力在于其增长潜力。它们也很安全和有韧性,部分原因在于它们的业务模式和在各自市场中的领导地位。
Whether you stash them in your Registered Retirement Savings Plan or Tax-Free Savings Account, this makes them promise long-term retirement holdings.
无论你是将其存入你的注册养老储蓄账户,还是 免税储蓄账户(TFSA),这使它们成为长期养老投资的承诺。