The most typical asset allocation technique for younger buyers is to have a better allocation to fairness. It’s as a result of fairness is a comparatively dangerous asset class, and younger buyers could make up for losses with energetic earnings. Nevertheless, that’s not the reality in right this moment’s world. Many younger buyers live paycheck to paycheck, with training loans and hire consuming up most of their revenue.

Whereas they dare to put money into crypto, additionally they put money into dividend shares. What in case you had a inventory that offers you the peace of mind and resilience of a dividend inventory in a bear market and the rally of a high-growth inventory in a bull market? There are such development shares which are buying and selling close to their lows, creating a possibility to purchase them on the dip.

Two wonderful starter shares on your TFSA

The Tax-Free Financial savings Account (TFSA) is the go-to account for younger buyers, as you make investments after-tax {dollars}. Since your revenue just isn’t a lot firstly of your profession, chances are you’ll not have vital tax liabilities, making the TFSA enticing. The account means that you can withdraw all funding revenue with out paying tax. So, in case you make an enormous acquire on an funding, you don’t pay excessive tax on the invested quantity, however you get excessive tax advantages from the withdrawals.

Listed below are two shares which have an excellent probability of supplying you with sturdy returns in 2026.

Descartes Techniques inventory

Descartes Techniques (TSX:DSG) inventory is buying and selling close to its 52-week low because the tariff warfare reaches its peak. The tariff warfare is altering the worldwide provide chain as nations, together with Canada, are diversifying their export associate past America. Descartes is more likely to profit extra from the shift within the international provide chain than from ready for commerce uncertainty.

It earns income when firms wish to transport items, companies, or info from one place to a different. Tariff uncertainty has affected the commerce volumes. As commerce volumes normalize, Descartes might be there to facilitate commerce orders. Till there’s readability, Descartes’s inventory could present tepid development.

Subsequent yr could turn into bullish for Descartes as commerce volumes resume. Therefore, now’s the time to purchase this development inventory on the dip.

Topicus.com

Topicus.com (TSXV:TOI) is one other development inventory buying and selling close to its 52-week low. Behind the dip is the resignation of Mark Leonard, founding father of Constellation Software program, the mum or dad firm that spun off European operations to kind Topicus.com. The resignation of the founder was sudden, and buyers reacted as the primary asset of the corporate is its talent to accumulate the correct firms at an ideal valuation.

Topicus.com’s third-quarter earnings continued to point out energy. This yr, the corporate made its largest capital funding of €417 million for acquisitions, together with two massive firms, Asseco Poland and Cipal Schaubroeck NV. Asseco will give Topicus.com entry to large-scale public and enterprise software program initiatives. This enormous capital funding has elevated its debt and pulled down return on capital within the quick time period as Topicus.com realizes synergies from these firms.

The valuation of Topicus has change into enticing. Its price-to-equity ratio (P/E) could be very excessive at 254.7. However the firm amortizes intangible property from its acquisitions, which reduces the earnings per share. The true worth of Topicus.com lies in its free money circulate (FCF), because it acquires firms for that. A majority of its money circulate is skewed in direction of the primary quarter, as that’s when annual upkeep is due.

Topicus FCF has elevated 19% within the first 9 months of 2025. The corporate is rising at wholesome charges and has the potential to double and even triple your cash within the subsequent 5 years.