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TFSA Investors: How to Protect Your Passive Income From Inflation

TFSA Investors: How to Protect Your Passive Income From Inflation

TFSA投資者:如何保護 passsive 收入不受通貨膨脹的影響?
The Motley Fool ·  08/19 20:00

There is a straightforward rule for creating an inflation-resistant passive income with stocks — i.e., sticking to Dividend Aristocrats.

用股票創造抗通脹的被動收入有一條直截了當的規則,即堅持使用股息貴族。

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.

連續多年股息增長的股票以及延續這種做法的財務穩定性可以幫助您創造每年獲得 「升級」 的被動收入來源。因此,隨着支出的增長,您的被動資金流也將增加以彌合差距。

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.

帳戶的選擇在這裏不是一個有爭議的問題。一個 免稅儲蓄賬戶 (TFSA) 是自然的選擇,因爲它允許您兌現股息。最好的部分是,這種被動收入也不會成爲稅收賬單的負擔。謎題的最後一部分是選擇正確的股息貴族。

An energy giant

能源巨頭

The energy sector in Canada has multiple aristocrats, but a giant like Enbridge (TSX:ENB) offers multiple layers of safety to its investors.

加拿大的能源行業有多個貴族,但是像Enbridge(多倫多證券交易所股票代碼:ENB)這樣的巨頭爲其投資者提供了多層安全保障。

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.

它不僅是加拿大最大的上市能源公司(按市值計算),而且其管道和在美國和加拿大的大型天然氣公用事業業務使其收入高度穩定。這是長期股息增長可持續性中需要考慮的重要因素。

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.

它還擁有貴族中最令人印象深刻的股息增長記錄之一,不僅在能源領域,在市場上也是如此,連續29年增長。

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.

該公司爲其股息增長設定了保守的前景,改變了過去極其慷慨的股息提升。這是用可持續性換取股息增長規模。利用目前令人垂涎的6.7%收益率,可以抵消這一微小的 「限制」。

A banking giant

一家銀行業巨頭

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.

按市值計算,多倫多道明銀行(TSX: TD)是加拿大第二大銀行,也是多個類別中排名第一的銀行。它在美國也有穩固的影響力,這通常是一種優勢,但目前對該銀行來說是一個問題。它是美國對其反洗錢行爲進行調查的目標。這項調查是該銀行不像銀行業同行那樣關注看漲趨勢的原因之一。

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,儘管面臨監管挑戰,但該銀行也表現出令人難以置信的彈性,跌幅相對較小,這使其股息收益率提高到相對較高的水平,爲5.1%。該銀行具有加拿大銀行的金融穩定特徵,使其成爲創造抗通脹被動收入的不二之選。

A telecom giant

一家電信巨頭

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(多倫多證券交易所股票代碼:T)是該榜單上另一家排名第二的巨頭,但市場更加整合。只有三家巨頭在加拿大電信業佔據主導地位,因此Telus在整個市場中佔有相當大的份額。它也是頂級產品之一 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,整個電信行業遭受了一些監管挑戰,使它們大幅下跌,從而提高了收益率。Telus損失了約35%的市值,收益率大幅上升(在撰寫本文時爲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.

與加拿大的其他電信巨頭相比,Telus通常是一個相對不錯的增長者,因此,一旦它開始復甦,您可能受益的不僅僅是其股息。

Foolish takeaway

愚蠢的外賣

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.

這三位股息貴族可以幫助您從免稅儲蓄賬戶中獲得被動收入,即使增長相對保守,也可能領先於通貨膨脹。它們也是各自行業的巨頭,基本面穩健,這使得它們比規模較小的同行更能抵禦疲軟的市場。這進一步增強了您的被動收入的力量。

声明:本內容僅用作提供資訊及教育之目的,不構成對任何特定投資或投資策略的推薦或認可。 更多信息
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