Dividend ideas, drawn
Six original infographics: dividend dates under T+1, yield traps, the dividend tax credit, US withholding by account, DRIP compounding and payout ratios.
The dividend dates timeline under T+1
One picture of declaration, last day to buy, ex-dividend, record and payment dates since Canada and the US moved to one-day settlement in May 2024.
InfographicAnatomy of a yield trap
How a falling price inflates a dividend yield, and the warning signs (payout, earnings, debt) that separate a durable yield from a trap. Hypothetical numbers.
InfographicHow Canada's dividend tax credit works, in four steps
Gross-up, tax at your rate, federal and provincial credits, what you keep: a $1,000 eligible dividend traced step by step with 2026 Ontario rates (estimate).
InfographicUS dividends: what crosses the border in each Canadian account
TFSA, RRSP, RRIF, RESP, FHSA and non-registered: how much of a $1,000 US dividend a Canadian keeps after US withholding under the Canada–US tax treaty.
InfographicThe DRIP snowball
A hypothetical $10,000 at a 4% yield, reinvested versus taken as cash over 30 years with no price change: how reinvested dividends buy shares that pay dividends.
InfographicThe payout ratio gauge
Why a 70% payout can be comfortable for a utility and stretched for a cyclical company: teaching bands for general companies, utilities, REITs and banks.