Only the worthy Canadians - who benefit from American financial expertise and products but retain the thrift and caution appropriate to their chilly climate - are an exception to the general rule.

只有可敬的加拿大人是这个一般规则的例外——加拿大人得益于美国的金融专长和产品，却保留了与寒冷气候相称的节俭与谨慎。

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As a general rule, Bill Palmer, a certified financial planner at Win Wealth Management in Denver, prefers index funds or exchange-traded funds for their lower fees.

WSJ: Investors Buying Dividend Stocks for Income Are Taking On a Lot of Risk.