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Writer's pictureFinancial Nirvana Mama

3 Dividend Stocks to Hold Forever (TAX-FREE) - Long-Term-Investing

Updated: Mar 17, 2023

Have you ever struggled with knowing what stocks to add to your portfolio?


Do you want to add companies to your portfolio that won't drive you bonker or anxious because the stock market can act like a depressive drunk maniac.


Do you want NO BRAINER boring stocks that are high quality for the next decade with decent returns?


Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard.


So that's why I'm about to reveal a very boring but powerful strategy for buying stocks that pay you moola every single year.


I also share the three stocks I personally hold in my portfolio for the long term in Canada and the US.


I also share my framework and criteria for choosing high quality dividend growth stocks in the most efficient manner that anyone can do, even while working full time, having a life and raising a family.


I also share how you can get $50,000 tax free forever through the Canadian dividend tax credit. Only caveat is you can't have any other source of income.


THESE 3 STOCKS YOU SHOULD HOLD FOREVER

Factors/Criteria

  1. Companies with increasing revenue (top-line growth)

  2. Companies with increasing earnings (Rising dividends)

  3. Companies with a payout ratio < 75% to be safe

    1. look at the cash payout ratio instead of the earnings payout ratio

  4. Dividend history (how much importance does management place on paying dividends)

    1. look for dividend aristocrats, which are companies that have been paying dividends for a long time and have been growing their dividends

TD Bank

  • One of the largest banks in Canada and sixth largest in North America in terms of total assets and market cap

  • TD Bank has been making acquisitions, growing revenue and earnings, and increasing dividends for decades

  • Management places importance on dividends and the company is considered a dividend aristocrat

  • Around 50% payout ratio

Fortis

  • A leader in the regulated gas and electric utility industry in North America

  • Existed since 1885 and has paid dividends for 50 consecutive years

  • 47 consecutive dividend increases

  • Have made huge amounts of acquisitions over the past 5 years which means guaranteed growth in revenue and earnings for a long long time

  • 64% dividend payout ratio

  • 6% average annual dividend growth up to 2025 indicating their confidence in their revenue and earning growth

Microsoft

  • Microsoft is a big tech company known for its Windows and software systems.

  • The company has been growing through its subscription model, Microsoft 365, cloud-based system, Azure, and gaming.

  • Analysts predict that Microsoft will grow at least 10% year over year for the next five years.

  • Microsoft is a cash-king company with a low payout ratio of 32%, giving it room to increase dividends.

Canada has a dividend tax credit that allows investors to collect dividends tax-free up to $50,000, which can be beneficial for early retirement or taking career breaks.


WATCH THE VIDEO TO LEARN MORE

0:00 - Intro

1:22 - Criteria to look for

4:09 - TD Bank

6:56 - Fortis

8:40 - Microsoft

10:12 - Dividend Tax Credit



BONUS - FREE DIVIDEND GROWTH INVESTING GUIDE:

😍🔥 Get your Free Ultimate Dividend Growth Guide in Canada: https://bit.ly/3zzUIkI

Tax Free Source: https://bit.ly/34eetAw


THINGS TO AVOID WHEN INVESTING IN REAL ESTATE


READ THESE FOR MORE TIPS!

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