There's a 100% Chance of Death and Taxes in your lifetime... There's also a 100% Chance you see: 1) Micron $MU hit $2,000 2) $DRAM hit $200 3) $VOO hit $1,000 4) $QQQM hit $500 5) NVIDIA $NVDA hit $400 In your lifetime...
I see many beginners posting that they’re new to investing and don’t know where to start. 🤔 As someone who was in a similar situation just a few months ago and learned, here are the 4 ETF types (& ETFs) that are popular among long term investors 😃 : 1) S&P 500: US: $VOO / $SPY / $SPLG Canadian: $VFV / $ZSP / $TPU 2) GROWTH / TECH: US: $QQQ / $VUG / $VGT / $SCHG Canadian: $QQC / $HXQ / $TEC / $ZUQ 3) DIVIDENDS: US: $SCHD / $VYM / $DGRO Canadian: $VDY / $XEI 4) ALL IN ONE / BASKET / Global Exposure: US: $VT / $AVGE Canadian: $ZEQT / $XEQT / $TGRO / $VEQT / $ZGQ I noticed many people following this type of a basic / uncomplicated portfolio and are doing really well for themselves 🔥 For % allocation, you can divide evenly among the ETF categories or allocate a higher % based on your preferences. Just DCA regularly and you should be good. 😎 Some people even just put it all into an all in one etf like $XEQT. This is also a good approach - it is much simpler and it works. Ultimately, it comes to whatever you prefer 🙂 Oh and yea, there are overlaps, but I don’t think there is anything wrong in that though - it would just count as doubling down on good things. 💯 I’m sharing with you all what helped me, but don’t forget to do your own research too! 🙏🏼
Basically, with my portfolio around 85% or so of it is invested in $VGRO with the rest roughly being split in half between stocks and other ETFs being $PDF$XEQT and $QQC if I should diversify to better protect myself and grow my portfolio further, what would be the best way in doing so?
The person you date can have one of the biggest impacts on your financial future, yet we don’t talk about it enough. I joined the RetailRundown podcast with @humbledtrader & @bdinvesting to chat about: ✨ Dating & money (green flags, red flags, and financial compatibility) ✨ Building wealth without giving up the life you want ✨ Budgeting for travel and everyday life ✨ ETFs vs. individual stocks ✨ Multiple income streams ✨ Financial literacy for women ✨ Navigating the rising cost of living in Toronto If you’ve ever wondered how to grow your wealth while still enjoying your twenties (or just want to hear an honest conversation about money), I think you’ll really enjoy this one. 🎧 Listen to the full episode through the link https://youtu.be/ym3h9FEZ-II?si=7fEa-Ff5uTNaWwow , and let me know your biggest takeaway. I’d love to hear what you think. 💙
If you've pulled money from your RRSP through the Home Buyers' Plan to buy your first place, the instinct is to pay it back as fast as you can. It feels like debt, and debt is supposed to be bad. But the HBP is a strange kind of debt, and rushing to clear it is usually the wrong move. You can take up to $60,000 out of your RRSP for a down payment, tax-free. Then you repay it over 15 years, a fifteenth of the balance each year. If you skip a year's repayment, that portion gets added to your taxable income, so you do want to make at least the minimum. Paying it back faster than that rarely helps you. Two reasons. It's a 0% interest loan to yourself, so there's no rush to get rid of it. And HBP repayments aren't tax-deductible. You designate an RRSP contribution as a repayment and get no deduction for it, while a fresh RRSP contribution, or money into your TFSA or FHSA, still gets the full benefit. So the same dollar does more for you almost anywhere else. The HBP still matters even now that we have the FHSA. The FHSA gives you about $40,000 of room, which often isn't enough for a full down payment on its own. The HBP adds up to $60,000 more per person, and you can use both on the same home. Personally, I'd use the FHSA first since it's tax-free and there's nothing to repay, then use the HBP to top up. My wife and I are using both our FHSAs and the HBP, even though together it gives us more than a 20% down payment. For us it's a choice. We like owning more equity, borrowing less, and the cash-flow room that comes with a smaller mortgage. Putting more than 20% down instead of investing the difference is a real trade-off, and reasonable people land on different sides of it. The point isn't that the HBP is free money. It's the cheapest, most flexible money you'll ever borrow, and clearing it early usually costs you the chance to put those dollars somewhere that works harder. If you've used the Home Buyers' Plan, are you repaying just the minimum or paying it down faster?
Pretty cool update yesterday - we now have the full in-app experience live for Toronto BlossomCon! Make sure you update and you’ll see the option in your profile menu tab. You can see which of your friends are attending and even leave questions for the panels 😎 We’ll pull a few of the top questions for each of the panels on the day on top of the moderated questions! Coming soon for Vancouver/NYC as well. 🇺🇸 Also this deserves it’s own post, but folks in US can now buy/sell directly on Blossom through our partnership with Public 🤯 Note Gold/Silver/Cash unfortunately got delayed until July 20 but pumped for that one too! 🥲
Looking to build credit? Secured credit cards require a refundable deposit that acts as your credit limit, which makes approval much easier for beginners with no credit history. By paying your bill on time, you can build a strong credit score and eventually upgrade to a traditional unsecured credit card. I think this is a great way for people build credit.
Retail is obsessed with catching the next rocket. But the wealth that compounds quietly usually lives somewhere else: in businesses society cannot function without. The filter is simple. High barriers to entry, demand that does not care about recessions, and pricing power to pass inflation to the customer. Trash collection under multi-year municipal contracts like $WM . A transcontinental railway like $CNI that nobody can rebuild today at any price. Heavy industry like $CAT and $DE , where the real moat is the installed base tied to parts and service for decades. And enterprise ecosystems like $MSFT , where leaving costs more than staying. None of these need a catchy AI narrative. What they share is the metric that does not lie: free cash flow. Sales can be dressed up by accounting. Cash cannot. Strong FCF funds the buybacks, the rising dividends, and the clean balance sheets that do the compounding for you. The trade-off is real: you give up the lottery ticket upside. What you get back is a portfolio built on the physical and digital backbone of the economy, with revenue visibility measured in years, not quarters. Boring is not a weakness. Boring is the moat. Not investment advice. Do your own research. 🐝
🐂 Flow sentiment: Bullish 💰 Call premium: $1.1M 📈 Call flow: 100% of total premium 👀 Put/Call ratio: 0.00 Notable activity includes aggressive ask-side buying in the December 18, 2026 expiration: 🐋 145 Calls — Multiple large sweeps ⚡ 165 Calls — Repeated institutional-sized orders The tape is showing all call buying with no notable put flow, suggesting traders are positioning for potential upside into December. Remember, unusual options activity isn’t a guarantee of future price movement—it simply shows where large traders are placing their bets. Always combine flow with your own analysis and risk management. 📊
One of the best parts about the Blossom community is how open everyone is sharing knowledge and experiences. To make things easier for anyone just starting their investing journey, here’s a simple glossary to help understand and simplify various terms. Common Terms: Dividend: A share of a company’s profits paid to shareholders, usually quarterly. Ex-Dividend Date: The cutoff date by which you must own a stock to receive its next dividend. ETF (Exchange-Traded Fund): A fund that holds multiple stocks or bonds, traded like a single stock. Covered Call ETF: An ETF that owns stocks and sells call options to generate extra income (higher yield, limited / capped upside). Earnings Report: A company’s quarterly financial performance summary. EPS (Earnings Per Share): A company’s profit divided by its number of shares. Market Cap: A company’s total value (share price × number of shares). ACB: The total amount you’ve paid for an investment, including the purchase price plus any fees or commissions. Book Value: The value of a company according to its financial statements (assets minus liabilities). Yield: Annual dividend as a percentage of the stock/ETF price. Liquidity: How easily an asset can be bought or sold without impacting its price. Volatility: The degree of price fluctuations in a stock or market. Index: A benchmark of stocks (e.g., S&P 500, Nasdaq, TSX). Bull Market: A period of rising stock prices and optimism. Bear Market: A period of declining stock prices and pessimism. False Breakout: When a stock’s price moves above (or below) a key level, making it look like a new trend is starting, but then quickly reverses back. P/E Ratio: Price-to-earnings ratio (stock price ÷ EPS), used to assess valuation. Blue Chip: Well-established, financially strong companies with a track record of stability. Diversification: Spreading investments across assets to reduce risk. Broker: A platform or firm that facilitates buying and selling investments. Limit Order: An order to buy/sell a stock at a specific price or better. Market Order: An order to buy/sell a stock immediately at the current market price. Bid/Ask Spread: The difference between the highest price buyers offer and the lowest price sellers accept. Dollar-Cost Averaging (DCA): Investing a fixed amount regularly to reduce the impact of market swings. Capital Gain/Loss: Profit or loss from selling an investment for more/less than its purchase price. IPO: When a company first sells shares to the public. Index Fund: A fund designed to mirror the performance of a market index. Short Selling: Selling borrowed shares, hoping to buy them back cheaper. Margin: Borrowing money from a broker to buy investments, which amplifies gains and losses. Time Horizon: The length of time you plan to hold an investment before needing the money. Short horizons = more risk-sensitive, long horizons = more room to ride out volatility. Stock Split / Reverse Split: A split increases the number of shares (e.g., 2-for-1) while lowering the price per share. A reverse split reduces the number of shares (e.g., 1-for-10) while raising the price per share. Your overall value doesn’t change just the math. Long (Being Long): Buying a stock or asset because you expect the price to go up. Short (Being Short): Selling a stock you don’t own because you expect the price to go down, so you can buy it back cheaper later. TER: The total yearly cost of owning a fund, including the management fee plus other costs like administration, audits, and legal fees. MER: The annual cost that a fund charges for management (includes any leverage costs if used). Management Fee: A portion of the MER that goes directly to the fund managers for running the fund. Withholding Tax: A tax deducted on dividends/distributions from foreign investments (e.g., U.S. dividends to Canadian investors face a 15% withholding in TFSA/Non-Registered accounts). Total Returns: The full picture of an investment’s performance, including both price gains and dividends/distributions. CAGR: The average yearly growth of an investment over time. NAV: The price of one share of a fund (stock or etf) NAV Depreciation: When the fund’s share price goes down over time. Mutual Fund: A pool of money from many investors used to buy a mix of stocks, bonds, or other assets. Bond: A loan you give to a company or government, and they pay you back with interest. Asset: Anything valuable you own that can generate money. Portfolio: Your collection of investments. Option: A contract that gives you the right (but not the obligation) to buy or sell a stock at a set price. Future: A contract to buy or sell something at a set price on a future date. REIT: A company that owns real estate and pays investors income from rent. Alpha: A measure of how much better (or worse) an investment did compared to the market. Beta: A measure of how much an investment moves compared to the market. Sharpe Ratio: A way to see if returns are worth the risk taken. Hedging: Protecting your investments from risk. Rebalancing: Adjusting your portfolio back to your target mix of assets. Understanding these terms makes investing far less intimidating. If anyone feels other terms should be included, please share in the comments. I’ll update this post so we can build a complete beginner-friendly resource together! *Sorry tagged a few etfs for reach 🫣
I have been trying to get to a $10,000 cost basis for the longest time since I started investing, and I just hit that milestone literally 1 minute ago when I lowered my cost basis on $REMX. I have faced a lot of setbacks that have held me back, one of which being a huge tax bill I got hit with last year. It feels good to finally hit this milestone. I plan to keep stacking, but I feel assured knowing that I finally have $10,000 working for me in the market.
I’ve recently discovered this stock, $NOVT. Growth comes from: * Robotics * AI manufacturing * Semiconductor equipment * Medical technology * Laser applications These industries can grow faster than GDP for many years. The stock is quite overvalued though, trading at 114x with a fwd p/e of 43x. The debt is pretty low which is a green flag for me but my major concern is the fact that so much future growth is already priced in. What are your thoughts?
🚀 $AMD continues to lead, rallying strongly and reaching the 550 target. If momentum holds, the next area to watch is 600. 🏦 $HOOD is setting up for another test of 120. A clean breakout above that level could open the door to the 135–140 range. ⚡ $TSLA has reclaimed 400 and is showing renewed strength. Holding above 414 could keep the momentum going toward the next resistance zone. Momentum is strong, but don’t chase extended moves wait for your setup and manage your risk. 📊💪
Bullish news for AMD as Goldman Sachs maintains the stock as a buy and price target raised from $450/share to $640/share. The stock is up almost 10% for the day after a Thursday sell-off.
Easily one of the most bullish Mondays I’ve seen, at least when you look at options pricing. The S&P 500 is basically unchanged from Friday’s close. But 0DTE flow is going wild, they’re exploding 🚀
Since Feb 21, 2026 Grok = +59.64% $SPY = +9.8% $QQQ = +16.27% Inverse Cramer = +34.2% Grok is outperforming SPY, QQQ and Inverse Cramer! Hold on $LFST$PGY$TAL$CARS This week's recommendations $KULR | BUY more | 28 shares | ~12% | • Fresh catalyst from June 26 non-dilutive growth strategy extension (ATM pause through Sept 2026) and drone/space/defense battery focus with Q1 revenue growth. • Today’s +2.71% and technical momentum support adding at current levels for tech exposure. Suggested Stop-Loss: $3.50
Here’s what I’m watching going into today’s session: $SPX: Back above 7500 at the open. If that level is rejected, a gap fill lower could come into play. A break below 7400 would be a key level to watch, as it could open the door to further downside. The market has been trading in a broad range since early June. $MU: Trading above 1000 premarket. Holding that level would be constructive, while losing it could see the pullback extend toward the 800–821 area. $AMD: Up roughly 20 points premarket. As long as 500 holds through July, I’ll be watching for a potential move toward 600+ into August. Above 540, the bullish momentum could continue this week. $QQQ: Opening back near its previous all-time high around 722. Holding above 722 keeps momentum intact, while a break below 700 could bring 686 and potentially 661 into focus. A move above 731 would strengthen the bullish case. These are the key levels I’m tracking today not predictions, just the areas that could influence my decisions. What setups are you watching today? Good luck, everyone! 📊
