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Canadians generate monthly income from investments?"}],"markDefs":[],"style":"h2"},{"_key":"de6008d801b3","_type":"block","children":[{"_key":"47bf5d6ef8750","_type":"span","marks":[],"text":"Yes, there are some investments that can generate monthly income."}],"markDefs":[],"style":"normal"},{"_key":"043974d98d0c","_type":"block","children":[{"_key":"84ad464b29c60","_type":"span","marks":[],"text":"The types of investments that may produce it include dividend-paying stocks, ETFs that make regular distribution (like covered call ETFs), bonds, GICs, interest-bearing savings products, and other income-focused funds."}],"markDefs":[],"style":"normal"},{"_key":"f6d5759a1894","_type":"block","children":[{"_key":"0f9ae9c78cdc0","_type":"span","marks":[],"text":"The amount of income depends on several factors: how much is invested, the type of investment, the distribution rate or yield, market conditions, fees, taxes, and whether payments change over time."}],"markDefs":[],"style":"normal"},{"_key":"7a608b292b48","_type":"block","children":[{"_key":"a9a6bd1d8edd0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"e7970088d3e0","_type":"block","children":[{"_key":"e81c696979650","_type":"span","marks":[],"text":"What does “monthly income from investments” mean?"}],"markDefs":[],"style":"h2"},{"_key":"05cfeafa6245","_type":"block","children":[{"_key":"901592f3ddfd0","_type":"span","marks":[],"text":"There were not many investments that paid investor income on a monthly basis. Traditionally, investment income is paid quarterly, semi-annually or annually.  However, for a couple of decades, there has been a surge in ETF offerings designed to provide investors with monthly income.  Monthly income from investments means an investment pays cash to the investor on a monthly schedule."}],"markDefs":[],"style":"normal"},{"_key":"b1a339353bdd","_type":"block","children":[{"_key":"93d2570c09d00","_type":"span","marks":[],"text":"The cash distributions paid by these ETFs come from various sources, including dividend income, interest income, foreign income, capital gains, and in some cases, a return of capital."}],"markDefs":[],"style":"normal"},{"_key":"267c232def81","_type":"block","children":[{"_key":"17e1dac449ff0","_type":"span","marks":[],"text":"So, investors who hold ETFs that pay monthly income receive that income through distributions. A distribution is different from a dividend. A dividend comes directly from a company to its shareholders. A distribution comes from an ETF to its unitholders and may include multiple sources of income."}],"markDefs":[],"style":"normal"},{"_key":"21f33a4ba7ae","_type":"block","children":[{"_key":"bef02c958a880","_type":"span","marks":[],"text":"Distributions can be reinvested through a DRIP (distribution reinvestment plan) or received as cash. 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terms to know"}],"markDefs":[],"style":"h2"},{"_key":"f6e7413599c0","_type":"block","children":[{"_key":"36888cad22e20","_type":"span","marks":["strong"],"text":"Dividend:"},{"_key":"36888cad22e21","_type":"span","marks":[],"text":" A cash payment from a company to its shareholders, typically from profits."}],"markDefs":[],"style":"normal"},{"_key":"a74352b43fca","_type":"block","children":[{"_key":"1efd053da6650","_type":"span","marks":["strong"],"text":"ETF distribution:"},{"_key":"1efd053da6651","_type":"span","marks":[],"text":" A payment from an ETF to its unitholders. May include dividends, interest, covered call income, capital gains, or return of capital."}],"markDefs":[],"style":"normal"},{"_key":"a726e559e8cc","_type":"block","children":[{"_key":"3e932c4524170","_type":"span","marks":["strong"],"text":"Yield:"},{"_key":"3e932c4524171","_type":"span","marks":[],"text":" The annual income from an investment expressed as a percentage of its current price. Yield is not the same as return."}],"markDefs":[],"style":"normal"},{"_key":"2f5309393cf0","_type":"block","children":[{"_key":"7a7ce5a7e2640","_type":"span","marks":["strong"],"text":"Total return:"},{"_key":"7a7ce5a7e2641","_type":"span","marks":[],"text":" The full picture of how an investment has performed, including both price changes and distributions received."}],"markDefs":[],"style":"normal"},{"_key":"80436ee39900","_type":"block","children":[{"_key":"d7d649c673900","_type":"span","marks":["strong"],"text":"Covered call:"},{"_key":"d7d649c673901","_type":"span","marks":[],"text":" Think of it as the ETF/fund renting out its stocks for extra income. Another investor pays a fee for the option to buy a stock at a fixed price. The fund keeps that fee and passes it to investors as distributions. The tradeoff is that if the stock rises significantly, the ETF/fund may have to sell it at the agreed price instead of the higher one."}],"markDefs":[],"style":"normal"},{"_key":"0b825912b1c9","_type":"block","children":[{"_key":"9c849e5c8a460","_type":"span","marks":["strong"],"text":"Reinvesting:"},{"_key":"9c849e5c8a461","_type":"span","marks":[],"text":" Using distributions to buy more units of the investment instead of receiving the cash. This can support compounding over time."}],"markDefs":[],"style":"normal"},{"_key":"bafd729a931f","_type":"block","children":[{"_key":"ec7b03bf1df70","_type":"span","marks":[],"text":"\n"}],"markDefs":[],"style":"normal"},{"_key":"75f8aab845ed","_type":"block","children":[{"_key":"fc313086225a0","_type":"span","marks":[],"text":"Common ways Canadians can generate income from 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stocks"}],"markDefs":[],"style":"h4"},{"_key":"2f9d62c0600a","_type":"block","children":[{"_key":"ae85bebb4ba70","_type":"span","marks":[],"text":"Some companies pay dividends to their shareholders. Dividends are commonly paid quarterly, in rare cases monthly, or on another schedule – depending on the company. They are not guaranteed; companies can reduce or eliminate dividends at any time."}],"markDefs":[],"style":"normal"},{"_key":"d762bbffe62c","_type":"block","children":[{"_key":"c11ddb9f09440","_type":"span","marks":["strong"],"text":"ETFs that pay distributions"}],"markDefs":[],"style":"h4"},{"_key":"dac8794a3885","_type":"block","children":[{"_key":"cb19b7e1d51b0","_type":"span","marks":[],"text":"Many ETFs are designed to pay regular distributions to investors. Some are structured to pay monthly. ETF distributions can come from multiple sources, including dividends from underlying holdings, interest, and income from options strategies."}],"markDefs":[],"style":"normal"},{"_key":"e2a4ac781ef9","_type":"block","children":[{"_key":"be30035bec9d0","_type":"span","marks":[],"text":"The important questions are: how often does this ETF pay? What generates the income? What does the ETF own? The fund/ETF facts document will explain the distribution frequency, and the prospectus explains the strategy."}],"markDefs":[],"style":"normal"},{"_key":"c7f756b6f427","_type":"block","children":[{"_key":"eeb81dce051b0","_type":"span","marks":["strong"],"text":"Bonds, GICs, and interest-bearing investments"}],"markDefs":[],"style":"h4"},{"_key":"e2a55b2be59e","_type":"block","children":[{"_key":"0ffe9fe7ef230","_type":"span","marks":[],"text":"These products pay income in the form of interest. A Guaranteed Income Certificate, (GIC) locks in a rate for a set term. A bond pays regular interest until it matures."}],"markDefs":[],"style":"normal"},{"_key":"76409ce7d9c6","_type":"block","children":[{"_key":"65734702edb80","_type":"span","marks":[],"text":"They tend to be more straightforward than equity income ETFs, but the tradeoff is usually lower return potential as these generally have a lower risk profile , and less flexibility around when you can access your money."}],"markDefs":[],"style":"normal"},{"_key":"d3cfc1b3837b","_type":"block","children":[{"_key":"574b62bf43030","_type":"span","marks":["strong"],"text":"Income-focused ETFs"}],"markDefs":[],"style":"h4"},{"_key":"a51b9860f3f0","_type":"block","children":[{"_key":"5584597fc9990","_type":"span","marks":[],"text":"Some ETFs are specifically designed to generate income for investors. They may combine equity exposure with a covered call strategy, leverage, or other approaches. 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income investing is a deliberate approach. Investors who use it are not chasing price returns - they are building portfolios designed to generate cash flow on a regular schedule."}],"markDefs":[],"style":"normal"},{"_key":"ea4b956b0224","_type":"block","children":[{"_key":"e91d8f5c2cb10","_type":"span","marks":[],"text":"Some use that cash flow to cover expenses. Others reinvest it and let it compound. Either way, the portfolio is doing something every month, not just at the end of the year."}],"markDefs":[],"style":"normal"},{"_key":"6e0b80af1e23","_type":"block","children":[{"_key":"d3b35c30bcf60","_type":"span","marks":[],"text":"To evaluate whether it fits, there are a few things worth understanding about how the strategy works."}],"markDefs":[],"style":"normal"},{"_key":"fef8cc6455a5","_type":"block","children":[{"_key":"fc58159e94c20","_type":"span","marks":["strong"],"text":"Price and distributions tell the story together."},{"_key":"fc58159e94c21","_type":"span","marks":[],"text":" Because income ETFs are designed to pay out cash regularly, the unit price may look flat compared to a growth ETF. That is by design. Total return - price movement plus all distributions received - is a reasonable  way to evaluate performance, and for well-run income ETFs it is often more favourable than the price alone suggests."}],"markDefs":[],"style":"normal"},{"_key":"f0f48fa7eef0","_type":"block","children":[{"_key":"d244c08bfaed0","_type":"span","marks":["strong"],"text":"Covered calls convert some of a portfolio’s growth potential into income."},{"_key":"d244c08bfaed1","_type":"span","marks":[],"text":" The ETF earns option premiums and distributes that income to investors. The trade-off is that the ETF may not fully participate in strong stock market gains. As a result, investors receive the potential for higher income in exchange for some upside opportunity."}],"markDefs":[],"style":"normal"},{"_key":"73c5189ed948","_type":"block","children":[{"_key":"273cf66d60fb0","_type":"span","marks":["strong"],"text":"Leverage turns up the volume."},{"_key":"273cf66d60fb1","_type":"span","marks":[],"text":" An ETF that uses moderate leverage can generate more income and participate more in market gains when investments perform well. But if markets move lower, the ETF’s losses may be greater than they would be without leverage. Some investors accept this trade-off in exchange for the possibility of higher income."}],"markDefs":[],"style":"normal"},{"_key":"2e19920a3bd5","_type":"block","children":[{"_key":"0be003a88f4c0","_type":"span","marks":["strong"],"text":"Fees and taxes are part of the net return."},{"_key":"0be003a88f4c1","_type":"span","marks":[],"text":" Income-focused ETFs may carry higher fees than index ETFs, and different types of investment income are taxed differently in Canada. Both are worth factoring in when evaluating a strategy."}],"markDefs":[],"style":"normal"},{"_key":"75a54b450c38","_type":"block","children":[{"_key":"bac7284f71c00","_type":"span","marks":[],"text":"The goal is to find an investing strategy that suits your investment goals and the amount risk you can accept."}],"markDefs":[],"style":"normal"},{"_key":"ca3d7132f59c","_type":"block","children":[{"_key":"64d75fe157800","_type":"span","marks":[],"text":"\n"}],"markDefs":[],"style":"normal"},{"_key":"5c01822db541","_type":"block","children":[{"_key":"e6e50f92244c0","_type":"span","marks":[],"text":"Examples of monthly income ETF approaches"}],"markDefs":[],"style":"h2"},{"_key":"ea72919523fa","_type":"block","children":[{"_key":"d1d156b9df520","_type":"span","marks":[],"text":"The following Harvest ETFs are examples of different monthly income ETF approaches. They are included for education and illustrative purposes only. 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Some investors want distributions to supplement cash flow or cover living expenses. Others want to reinvest distributions and let them compound over time. Some are simply researching how income investing works and whether it fits their plan."}],"markDefs":[],"style":"normal"},{"_key":"d230e65e6fb2","_type":"block","children":[{"_key":"1522b66ee31a0","_type":"span","marks":["strong"],"text":"Whether to spend or reinvest the income"}],"markDefs":[],"style":"h4"},{"_key":"754f227a185b","_type":"block","children":[{"_key":"db6f62834ed90","_type":"span","marks":[],"text":"The monthly cash can do two things: it can go into your pocket as spending money, or it can go back into the ETF to keep compounding. It just depends on whether you need the income now or want to grow the portfolio over time."}],"markDefs":[],"style":"normal"},{"_key":"6adbefc1e0e0","_type":"block","children":[{"_key":"2ff50dc525450","_type":"span","marks":["strong"],"text":"What the ETF owns"}],"markDefs":[],"style":"h4"},{"_key":"e081c6016fdd","_type":"block","children":[{"_key":"1dd72d4fa2410","_type":"span","marks":[],"text":"Think of it like checking the ingredients before you buy something. What is actually in this ETF? Is it spread across many companies and sectors, or focused on just one? Does it own stocks directly or hold other ETFs? Knowing what is inside helps you understand how it might behave."}],"markDefs":[],"style":"normal"},{"_key":"76edac93ca52","_type":"block","children":[{"_key":"6518ccec5f020","_type":"span","marks":["strong"],"text":"How the income is generated"}],"markDefs":[],"style":"h4"},{"_key":"e7a9f4a39787","_type":"block","children":[{"_key":"8ec33ea9d0e90","_type":"span","marks":[],"text":"The monthly cash has to come from somewhere. Some ETFs generate it through dividends, some through covered call fees, some through leverage, and many through a mix of all three. Each source has different characteristics and different tax implications."}],"markDefs":[],"style":"normal"},{"_key":"41b5e334f6ce","_type":"block","children":[{"_key":"dffd6954ebba0","_type":"span","marks":["strong"],"text":"Yield versus total return"}],"markDefs":[],"style":"h4"},{"_key":"6f1580db4b3d","_type":"block","children":[{"_key":"e024e0c45b990","_type":"span","marks":[],"text":"An income ETF is designed to put cash in your account, not necessarily to grow in price. So looking at the unit price alone doesn’t give the full picture."}],"markDefs":[],"style":"normal"},{"_key":"c5c6b0c8488f","_type":"block","children":[{"_key":"b291f2de1f4f0","_type":"span","marks":[],"text":"Total return is what you need to check. It adds all the distributions back into the price movement to show what the investment has actually delivered. For well-run income ETFs, that number is often much more favourable than the price alone would suggest."}],"markDefs":[],"style":"normal"},{"_key":"de8b18c6eb3a","_type":"block","children":[{"_key":"f4c009914ac60","_type":"span","marks":["strong"],"text":"Fees and taxes"}],"markDefs":[],"style":"h4"},{"_key":"75cb80b76a16","_type":"block","children":[{"_key":"be0c7a35c3540","_type":"span","marks":[],"text":"Fees are higher for income-focused ETFs than for simple index ETFs. That is part of the cost of the strategy, and for many investors the monthly cash flow justifies it."}],"markDefs":[],"style":"normal"},{"_key":"14a72afbb33f","_type":"block","children":[{"_key":"ca48eb0013b30","_type":"span","marks":[],"text":"Tax treatment varies depending on the type of income the ETF generates. 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investing in a monthly income ETF, working through this list can help ensure the important questions have been asked:"}],"markDefs":[],"style":"normal"},{"_key":"6ac870705350","_type":"block","children":[{"_key":"bbfe17dc584d0","_type":"span","marks":[],"text":"What role would income play in this portfolio: cash flow, reinvestment, or learning?"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"d384631c1cec","_type":"block","children":[{"_key":"50527ce46fe30","_type":"span","marks":[],"text":"Will distributions be spent or reinvested?"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"3bdf1899b193","_type":"block","children":[{"_key":"5fca28d8d4a10","_type":"span","marks":[],"text":"What does the ETF own, and is that exposure a good fit for this plan?"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"75e8bece6652","_type":"block","children":[{"_key":"9077e672828f0","_type":"span","marks":[],"text":"How is the income generated (dividends, covered calls, leverage, interest)?"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"c80a8f076178","_type":"block","children":[{"_key":"a1720020e2f20","_type":"span","marks":[],"text":"Are distributions fixed or variable? Can they change?"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"40c5595a5615","_type":"block","children":[{"_key":"3c867974c6f90","_type":"span","marks":[],"text":"Does the ETF use covered calls?"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"9d71cb1410a9","_type":"block","children":[{"_key":"b63b4dc58a430","_type":"span","marks":[],"text":"Does the ETF use leverage?"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"fb7f1e604392","_type":"block","children":[{"_key":"ee5b6d350b0a0","_type":"span","marks":[],"text":"What are the ETF's fees?"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"094ed552074e","_type":"block","children":[{"_key":"2359506b074f0","_type":"span","marks":[],"text":"How will distributions be taxed given the account type and situation?"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"329737d7785c","_type":"block","children":[{"_key":"85b8297475aa0","_type":"span","marks":[],"text":"What is the current yield, and what is the total return history?"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"b1603c85d78f","_type":"block","children":[{"_key":"9e254e0a7e3c0","_type":"span","marks":[],"text":"Have the ETF/fund facts and prospectus been read?"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"0271a057d9b2","_type":"block","children":[{"_key":"4f465524daf90","_type":"span","marks":[],"text":"Are the risks in line with your investment goals?"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"e446a9fa164f","_type":"block","children":[{"_key":"9f58aed391e60","_type":"span","marks":[],"text":"Am I comfortable with the Risk and Reward considerations of investing in ETFs?"}],"level":1,"listItem":"bullet","markDefs":[],"style":"normal"},{"_key":"17fe2b75a2e1","_type":"block","children":[{"_key":"5c3d9547cf780","_type":"span","marks":[],"text":"Monthly income investing rewards investors who understand what they own and why. Working through this list is quick and may help you going forward."}],"markDefs":[],"style":"normal"},{"_key":"707935e22f2c","_type":"block","children":[{"_key":"0bb1c3e967b80","_type":"span","marks":[],"text":"\n"}],"markDefs":[],"style":"normal"},{"_key":"963636d2021a","_type":"block","children":[{"_key":"ecb354da38d40","_type":"span","marks":[],"text":"Frequently asked questions"}],"markDefs":[],"style":"h2"},{"_key":"3e0ad7a0bd04","_type":"block","children":[{"_key":"f16accfac9590","_type":"span","marks":["strong"],"text":"What investments pay monthly income in Canada?"}],"markDefs":[],"style":"h4"},{"_key":"e99e8beffc02","_type":"block","children":[{"_key":"53fadfc1cc9f0","_type":"span","marks":[],"text":"Some dividend-paying stocks, monthly distribution ETFs, covered call ETFs, income-focused funds, bonds, GICs, and interest-bearing savings products can all generate monthly income. The amount depends on the investment type, the amount invested, the yield or distribution rate, risk profile, and market conditions. Monthly income is not guaranteed."}],"markDefs":[],"style":"normal"},{"_key":"b1d7b8861ad9","_type":"block","children":[{"_key":"f4e203d9d7310","_type":"span","marks":["strong"],"text":"Do ETFs pay monthly income?"}],"markDefs":[],"style":"h4"},{"_key":"9017f54080ab","_type":"block","children":[{"_key":"07fc6d7dd7020","_type":"span","marks":[],"text":"Some ETFs are structured to pay monthly distributions. Not all ETFs pay monthly; many pay quarterly or annually. The fund/ETF facts will specify the distribution frequency. Some income-focused ETFs are explicitly designed around monthly cash flow as a core feature."}],"markDefs":[],"style":"normal"},{"_key":"98222cccd0fb","_type":"block","children":[{"_key":"786cff4372de0","_type":"span","marks":["strong"],"text":"Are ETF distributions guaranteed?"}],"markDefs":[],"style":"h4"},{"_key":"1c06e0fad63e","_type":"block","children":[{"_key":"cf4dfb22e5560","_type":"span","marks":[],"text":"No. ETF distributions are not guaranteed. An ETF can change, reduce, or eliminate distributions at any time. Past distributions do not guarantee future distributions. If a fund earns less than the amount distributed, the difference may be a return of capital."}],"markDefs":[],"style":"normal"},{"_key":"9a58883f219b","_type":"block","children":[{"_key":"47475d59a2b10","_type":"span","marks":["strong"],"text":"What is the difference between dividends and ETF distributions?"}],"markDefs":[],"style":"h4"},{"_key":"42386ff2ae66","_type":"block","children":[{"_key":"0d1fbd940b850","_type":"span","marks":[],"text":"A dividend is a payment made directly by a company to its shareholders. An ETF distribution is a payment from an ETF to its unitholders. ETF distributions may include dividends from underlying holdings, interest, income from a covered call strategy, capital gains, or return of capital. An ETF distribution is not always the same as receiving a dividend directly."}],"markDefs":[],"style":"normal"},{"_key":"353745f0e83d","_type":"block","children":[{"_key":"1688969d536c0","_type":"span","marks":["strong"],"text":"What is a covered call ETF?"}],"markDefs":[],"style":"h4"},{"_key":"72bf48d5171d","_type":"block","children":[{"_key":"d4d2d43c40080","_type":"span","marks":[],"text":"A covered call ETF owns stocks and earns fees by giving other investors the option to buy those stocks at a set price. Those fees become the monthly distributions investors receive."}],"markDefs":[],"style":"normal"},{"_key":"85529fae87a9","_type":"block","children":[{"_key":"76d935af37170","_type":"span","marks":[],"text":"If the stocks rise significantly above that price, the fund may not fully benefit from the gain. But for investors who value consistent monthly income over chasing price gains, covered call ETFs are a popular and practical tool."}],"markDefs":[],"style":"normal"},{"_key":"052a2fc85ed5","_type":"block","children":[{"_key":"0d75818bb6e60","_type":"span","marks":["strong"],"text":"Is yield the same as return?"}],"markDefs":[],"style":"h4"},{"_key":"79fdc146bd89","_type":"block","children":[{"_key":"872f22d42ea00","_type":"span","marks":[],"text":"No. Yield measures the income an investment generates. Total return shows the whole story – gain or loss, including both income and price movement combined."}],"markDefs":[],"style":"normal"},{"_key":"8f4282aa393f","_type":"block","children":[{"_key":"2a018cb9fa830","_type":"span","marks":[],"text":"For income ETFs, total return is usually the more encouraging number. The unit price may look flat because the ETF is paying out cash rather than growing in price. But when you add all those distributions back in, the full picture is often much more favourable."}],"markDefs":[],"style":"normal"},{"_key":"bc163140579a","_type":"block","children":[{"_key":"12bbb6a1fd740","_type":"span","marks":["strong"],"text":"Are monthly income ETFs for newer investors?"}],"markDefs":[],"style":"h4"},{"_key":"725a2dcf035e","_type":"block","children":[{"_key":"30064b1973760","_type":"span","marks":[],"text":"It depends on your investment goal and appetite to take on risk as an investor.  If a beginner investor they are something to consider.  The important thing is to understand what the ETF owns and how it generates income before investing. The fund facts and prospectus explain both, and this article covers the key questions to ask."}],"markDefs":[],"style":"normal"},{"_key":"03cb91ed2c6e","_type":"block","children":[{"_key":"8f7759dc24b60","_type":"span","marks":["strong"],"text":"Should monthly income be reinvested or spent?"}],"markDefs":[],"style":"h4"},{"_key":"66d5434b5773","_type":"block","children":[{"_key":"5b9c99b68cf70","_type":"span","marks":[],"text":"Both work, and the right choice depends on where you are in life. Need the income now? Take it. Want to grow the portfolio? Put it back in and let it compound. The flexibility to do either is one of the things that makes monthly income investing appealing."}],"markDefs":[],"style":"normal"},{"_key":"319001164217","_type":"block","children":[{"_key":"c9d9744937310","_type":"span","marks":["strong"],"text":"Can someone live off ETF distributions in Canada?"}],"markDefs":[],"style":"h4"},{"_key":"883b6e0a7764","_type":"block","children":[{"_key":"427283f17a1b0","_type":"span","marks":[],"text":"It is a real goal for many Canadian investors, especially heading into retirement. Whether it is achievable depends on the size of the portfolio, the yield, and the cost of living. Most investors use distributions as one piece of the picture alongside CPP, OAS, and other income. Building toward distributions that cover expenses is a real strategy, not a fantasy - it just takes time and a plan."}],"markDefs":[],"style":"normal"},{"_key":"b80f5a91db91","_type":"block","children":[{"_key":"ba755026f95d0","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"d29f8237a634","_type":"block","children":[{"_key":"dd1e6c0adca30","_type":"span","marks":[],"text":"Build a portfolio that pays"}],"markDefs":[],"style":"h2"},{"_key":"4fc0d26bff21","_type":"block","children":[{"_key":"0baa734457c30","_type":"span","marks":[],"text":"Monthly income investing is a deliberate approach used by Canadian investors at every stage - from those just starting out to those living off their portfolios in retirement."}],"markDefs":[],"style":"normal"},{"_key":"41a6e1a11bbc","_type":"block","children":[{"_key":"29df73c8b0150","_type":"span","marks":[],"text":"Generating monthly income from investments is not about chasing the highest yield. It’s about building a portfolio that works for you on a regular basis by putting cash in your account every month"}],"markDefs":[],"style":"normal"},{"_key":"8c9f84c99b41","_type":"block","children":[{"_key":"ffce8929e7e30","_type":"span","marks":[],"text":"For some investors that means money to spend. For others it means distributions to reinvest. For many it means both, at different points in life."}],"markDefs":[],"style":"normal"},{"_key":"6cca2c51bce8","_type":"block","children":[{"_key":"95d7707a838d0","_type":"span","marks":[],"text":"The Harvest ETFs in this article are examples of how that strategy can work in practice. The next step is deciding whether it fits your own plan."}],"markDefs":[],"style":"normal"},{"_key":"a9e3b4444a16","_type":"block","children":[{"_key":"debe3c3f29590","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"70e9ce12bdae","_type":"block","children":[{"_key":"e7ae04dcaaa00","_type":"span","marks":["b6ff28d189bf"],"text":"Explore monthly income ETF examples →"}],"markDefs":[{"_key":"b6ff28d189bf","_type":"link","href":"https://harvestportfolios.com/multi-asset/?utm_source=passiv&utm_medium=Article"}],"style":"normal"},{"_key":"2a9440e63160","_type":"block","children":[{"_key":"36c3445f85330","_type":"span","marks":[],"text":""}],"markDefs":[],"style":"normal"},{"_key":"145c38712139","_type":"block","children":[{"_key":"fed9597c752c0","_type":"span","marks":[],"text":"Important disclosure"}],"markDefs":[],"style":"h2"},{"_key":"b8d19c6457cc","_type":"block","children":[{"_key":"8bffdf48d9640","_type":"span","marks":["em"],"text":"Commissions, management fees and expenses all may be associated with investing in Harvest ETFs, and the Harvest High Income Shares ETFs (the “Fund(s)” or “ETF(s)”) managed by Harvest Portfolios Group Inc. Please read the relevant prospectus before investing. The Funds are not guaranteed, their values change frequently and past performance may not be repeated. Tax, investment and all other decisions should be made with guidance from a qualified professional. Distributions are paid to you in cash unless you request, pursuant to your participation in a distribution reinvestment plan, that they be reinvested into the Class of units that you own of the Fund. If the Fund earns less than the amounts distributed, the difference is a return of capital. Depending on the Fund's mandate, distributions on the units, if any, may consist of income, including foreign source income, dividends from taxable Canadian corporations and capital gains, less the expenses and may include returns of capital."}],"markDefs":[],"style":"normal"},{"_key":"ffb0fb75620d","_type":"block","children":[{"_key":"6061800f61c90","_type":"span","marks":["em"],"text":"The indicated rates of return are the historical annual compounded total returns (except for figures of one year or less, which are simple total returns) including changes in unit value and reinvestment of all distributions and do not take into account sales, redemption, distribution or optional charges or income taxes payable by any securityholder that would have reduced returns."}],"markDefs":[],"style":"normal"},{"_key":"48880df86238","_type":"block","children":[{"_key":"067d904f32080","_type":"span","marks":["em"],"text":"The current yield represents an annualized amount that is comprised of 12 unchanged monthly distributions (using the most recent month's distribution figure multiplied by 12) as a percentage of the closing market price of the Fund. The current yield does not represent historical returns of the ETF but represents the distribution an investor would receive if the most recent distribution stayed the same going forward."}],"markDefs":[],"style":"normal"},{"_key":"5bdff031a6cd","_type":"block","children":[{"_key":"4872e722b1690","_type":"span","marks":["em"],"text":"The Funds that use modest leverage of 25% do so to enhance exposure, directly or indirectly, to the underlying stocks. This places them within the category of liquid alternative ETFs. The use of leverage increases the return volatility, meaning it will amplify both gains and losses."}],"markDefs":[],"style":"normal"},{"_key":"47d7034136fa","_type":"block","children":[{"_key":"ad10238a4ebc0","_type":"span","marks":["em"],"text":"The Funds are categorized as liquid alternative ETFs. This means they have the ability to use leverage and can invest more than 10% of their assets in a single issuer. The Funds employ modest leverage using a combination of written puts and cash borrowing. Tax, investment and all other decisions should be made with guidance from a qualified professional."}],"markDefs":[],"style":"normal"},{"_key":"dbf750c6cbdd","_type":"block","children":[{"_key":"584092a318eb0","_type":"span","marks":["em"],"text":"For Information Purposes Only. All comments, opinions and views expressed are of a general nature and should not be considered as advice and/or a recommendation to purchase or sell the mentioned securities or used to engage in personal investment strategies."}],"markDefs":[],"style":"normal"},{"_key":"1de2bcadcee7","_type":"block","children":[{"_key":"36e5dce00e690","_type":"span","marks":[],"text":"\n"}],"markDefs":[],"style":"normal"},{"_key":"4dfc739023c2","_type":"block","children":[{"_key":"6ba8115e420a0","_type":"span","marks":[],"text":"Sources"}],"markDefs":[],"style":"h2"},{"_key":"bbe0e9eab84f","_type":"block","children":[{"_key":"60f6efcbd97c0","_type":"span","marks":["0ca179e8fa80"],"text":"Harvest Portfolios Group Inc. - HDIF, Multi-Asset ETFs"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"0ca179e8fa80","_type":"link","href":"https://harvestportfolios.com/multi-asset/"}],"style":"normal"},{"_key":"16c649c3601e","_type":"block","children":[{"_key":"2e6c644a8b520","_type":"span","marks":["92f0c9fde5c5"],"text":"Harvest Portfolios Group Inc. - HHL, Healthcare Leaders Income ETF"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"92f0c9fde5c5","_type":"link","href":"https://harvestportfolios.com/harvest-healthcare-etfs-hhl-hhle/"}],"style":"normal"},{"_key":"70aaaae4d314","_type":"block","children":[{"_key":"8a2f233e2f5a0","_type":"span","marks":["e318efc39548"],"text":"Harvest Portfolios Group Inc. - HBF, US Equity Leaders Income ETF"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"e318efc39548","_type":"link","href":"https://harvestportfolios.com/etf/hbf/"}],"style":"normal"},{"_key":"4e1c558b0f7a","_type":"block","children":[{"_key":"9fa444c6017c0","_type":"span","marks":["def7ecf817a9"],"text":"Canada Revenue Agency - Capital Gains and Investment Income"},{"_key":"e57b1ef1aabf0","_type":"span","marks":[],"text":"\n"}],"level":1,"listItem":"bullet","markDefs":[{"_key":"def7ecf817a9","_type":"link","href":"https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/t4037/capital-gains.html"}],"style":"normal"}]}},"pageContext":{"id":"2921048e-89d4-5fcc-b5a0-53457cd6200c"}},"staticQueryHashes":["2817707602","4207246219"]}