Yesterday - after a lot of research - I decided to do something radical. I bought more Yieldmax $MSTY . Over the past 1.5 years most have abandoned MSTY - a posterchild Ultra-Yielding NAV ERODER. BUT... has it really? Did most get MSTY all wrong? For all you DCA'ing $MSTE - have you been DCAing on the wrong $MSTR CC ETF? (Check out my pinned comment below comparing MSTY vs MSTE) https://youtu.be/344xY-5QyiY?si=7hXie7qjHEcFCV-I
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. Margin Requirement: The minimum amount of your own money (equity) you must maintain in a margin account to open or keep a leveraged investment position. Margin Call: A demand from your broker to deposit more funds or sell assets because your account equity has fallen below the required margin level. 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. FCF: Free Cash Flow 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 🫣read more
I’m a big holder of $MSTR$MSTR$ASST$MSBT & $FBTC Why I don’t care MSTR is being dumped from the index. I Buy everyday and again every payday. From Stock Analysis (today): Stock Price Forecast According to 16 analysts polled by S&P Global, Strategy stock has a consensus rating of "Strong Buy" and an average price target of $239.27. The average 1-year stock price forecast is 63.87% higher than the current stock price, while the lowest is $165 (+13.01%) and the highest is $435 (+197.92%). Price Target: $239.27 (+63.87%) https://youtube.com/shorts/dz_0h4Wx1xg?si=V5n2g3hP8nF39R8j read more
I asked ChatGPT work to give me its top 10 stock buys for growth right now in the market And here’s what it gave me: 10. $GOOGL 9. $CRM 8. $NVDA 7. $SE 6. $META 5. $NOW 4. $NU 3. $AMZN 2. $UBER 1. $MELI Thoughts? Do you hold any of these? read more
I've been really MIA on Blossom since the passing of my sister... It's given me a lot of time to reflect on things. I still enjoy everything about finance and check my portfolio often, but I really want to stress the importance of realizing why we are doing this. What is the end goal of all of this? Seeing a loved one go in their early 30s is difficult, and it's made me realize that the time we have on this planet is really, really short. I have come to the realization that staring at numbers and watching them grow isn't as important as spending some of that time with loved ones. I want to start taking the kiddos on more vacations, buy the van that the wife wants, and try to see my parents more. The key for me will still be to be responsible with my finances, but instead of waiting for that next portfolio goal, waiting for the kids to grow older, or waiting to retire... why not live now? The whole point of becoming wealthy is to USE THE WEALTH, not to stash more and more so we can become so rich that we never actually enjoy the short time we are given on Earth. When the drunk driver went head on with her Uber vehicle, I truly believe she had no clue, could've just been chilling on her phone in the back then dead the next second...goes to show our life could end at any second and we might not even realize it. This post isn't saying we shouldn't be financially responsible, but that we should also enjoy life today... Tell your loved ones you love them, and use your finances to better your life. Willread more
Always great to see @rj_fire and his wife!! Obviously he was wearing the best t-shirt at the BD Investing event!! 😂 *not sponsored by Blossom 🌸 but we should be!! 🤪
Last but not least, got to spend some time with @canadiantshirt. Great Q&A with @bdinvesting about many topics including the war in Iran and how oil affects all of us.
When I was young, I chased money, I thought about wealth in terms of numbers. Growing my portfolio, reaching milestones, and getting closer to financial independence. But recently.... life has a way of reminding you what truly matters. I spend years building wealth for the family, chasing the next milestone, and working towards financial freedom. But at the end of the day, what good is financial freedom if you forget what you're working so hard for... I cant stress it enough, spend time with family the time we spend together, and being there for the moments that matter most. Money is simply a tool to buy back our time and create more freedom for the people we love. i gotta admit, Ive been so caught up in building my future sometimes that I forget to enjoy the present. Having my wife, my 2 healthy kiddos, enough money to travel, have food on the table, pay all our bills, roof over our heads, thats real wealth. ❤️
I am currently 47 years old. Unfortunately in that time frame I have lost a lot of family members. Some (most) were accidents, some to age, some to cancer, and one to suicide. That’s 11 deaths total. Only 1 person out of 11 had a will. When you are grieving the last thing you want to do is close an estate up. It’s even harder if nothing has been prepared in advance. After the initial shock of the death settles (the phase where everyone is usually nice), greed comes through in a most alarming manner. I’ve watched people turn into monsters. Make sure you have a will!!!! or people will fight. I know most people hate thinking about their death or their spouses death but honestly it’s just a fact of life. I’ve personally been the executor of 2 estates now. This is my advice: 1. If your young get life insurance. If you’re retired it’s not worth it. 2. Make sure you have a will. 3. Make sure you have a personal directive. 4. Make sure you have a power of attorney set up. 5. If your married make your spouse the beneficiary of your TFSA and RRSP(has to be done through the account not the will), they will roll into the spouses account without taxation. 6. If you’re married, and you own a house, make sure both names are on the title, joint tenant, NOT tenant in common. This activates right of survivorship on property and doesn’t have to go through the estate. 7. If you’re married, both people should have their name on all the vehicles, joint, otherwise it’s a headache after death. 8. Buy a file folding system. I have a plastic one that has a clasp and handle. 9. Put EVERYTHING in this file folder that would be needed if you died tomorrow. a) all land titles B) information on house insurance so it can either be eventually canceled or name changed over. C) your will (or the location of your will), power of attorney, and personal directive D) the information for your car, car insurance, and registration on vehicles. E) information on life insurance. F) all current year papers needed for filing your taxes. Because the survivor will have to do it and will need that information. G) where your household bills are. ALL OF THEM, electricity, gas, Netflix, magazine, subscriptions everything you can think of that is in their name. Because you are going to have to cancel them. H) their credit card information where to contact to cancel the cards I) birth certificate, SIN numbers, marriage, license, etc. J) information on all your investments accounts, bank accounts, etc. K) anything else you can think of for your situation If you’re married, I’d have one box per person. When you die, the funeral home will issue many death certificates. And your lawyer will give you copies of the will. These will be needed to change over any accounts. Everything else goes through the estate which is taxed and the lawyers take their fees so I’d avoid this as much as possible especially if you’re married. This is why having property in both people‘s names is so important because it doesn’t have to go through probate. I am widowed now and I have my black file folder and my two remaining children know if something happens to me, all they have to do is grab the folder. Everything they need to take care of my estate will be located in this folder. At the beginning of every year, I open this file up and go through everything to make sure it’s up-to-date. If you are young and do not own much or can’t afford a will, you can draft one up but it must be handwritten to be classified as a legal document. You cannot type it out!! If you’re not worth much, everything will most likely be sold to pay your bills and cover your funeral expenses. But you can state who your executor will be in your handwritten will. Disclaimer I’m not a lawyer or an accountant and this is not legal advice. Talk to a lawyer and talk to an accountant. Make sure everything is set up for you and your situation. These are situations that I personally ran into. Good luck Also I’ll add in. IF you have a lot of assets make an appointment with your accountant first. They will tell you how to properly set things up. Then take that information to your lawyer. read more
Trump gives a thanks to his “legendary friend” Elon Musk for pledging to give SpaceX $SPCX stock to millions of American children through Trump Accounts. I want a legendary friend.. 🥺
Hello, I'm a uni student from Queensland and I've recently started learning alot about my personal finances. I was wondering what platforms you would recommend for someone interested in fairly long term investment. I've looked at options like Stake, Pearler and MooMoo and I would like to know if there's any hidden pros and cons I don't know about. Any comments or DMs are appreciated 😊
📊 Prediction markets suggest a possible merger: 🔹 Before Mar 1, 2027: 41% 🔹 Before Apr 1, 2027: 47% 🔹 Before May 1, 2027: 71% 💰 RBC says SpaceX could acquire Tesla for $480 per share in a potential $3.74 trillion deal. 👀 Could this become one of the biggest deals in history? What do you think? 🤔👇 read more
Happy Friday, Blossom! 🌸 I went back to the gym after 5 months! 🏋️♀️ When life flips 180 degrees, it's easy for your routines to fall apart. This week was rough, and the market was red too 😂 ( I did buy the dip to the extent I could though!!) but getting back to something I enjoy reminded me that investing in ourselves goes beyond our finances! As I adjust to this new chapter, it feels good to slowly get back to the things I enjoy. My gym membership is one way I invest in myself. It's on the pricier side, and I could find a cheaper gym, but I genuinely enjoy the amenities, and it's worth paying extra for something that fits my lifestyle. We talk a lot about saving, investing, and making smart financial decisions, but sometimes we forget WHY we're doing it. For me, it's about building a comfortable future while still enjoying life today. It's treating my friends and family, taking that much-needed vacation, and spending on things that genuinely make me happy. There's a difference between being financially responsible and depriving yourself of everything you enjoy. If we cut out everything that makes life enjoyable, reaching our goals can start to feel like a chore. Don't forget to invest in yourself along the way.You deserve to enjoy the life you're working so hard to build. 💗 What's one way you invest in yourself outside of your finances? Have a wonderful Friday, and happy investing!! 💚💚 read more
Over the last 3 years, my investing journey has grown my knowledge and I then helped grow out portfolio. But that didn’t come from me just reading books or going to some finance class. This journey has connected me with so many different styles Of investing and investors. To many to name in this post. All of them bring something to the @blossom community. Moe @moementumfinance is one of those people. This interview was excellent to listen to. So many subjects covered and inspirational to myself and I hope to others. Moe is charismatic and kind and loves to talk finance. Zayla talks about paying yourself first. This resonates with me in so many ways. To me paying yourself first is fundamental to growing your wealth. But doing it while you are still living your best life Sure I don’t buy coffee because I make may own. But I love a good meal with my wife and a drink. We are still paying ourselves and living our best life. If you have some time check this video out. Tell us do you pay yourself first. If so share with us your philosophy https://youtu.be/hiUF2bQvs1Y?si=T_HaTyWYy0imkWzK read more
These aren’t rules, facts or anything definitive; just some of the many opinions I’ve built over nearly 30yrs of stock investing. Take em' or leave em', it's all good to me because they're accurate. 🤷♂️ Here goes, in no particular order. Far too many investors… … have a gambling mentality when it comes to investing. ... focus on where a stock once traded to determine 'fair value’. ... think their pain threshold for unrealized losses is far higher than reality. ... risk far too much for a potentially very small win. ... create a lot of bad habits during bull markets. ... fail to acknowledge mistakes, so they fail to learn from them. ... under-estimate how can be lost going all-in on high or no P/E growth. ... rely on 'wishful thinking' over an actual 'investment thesis'. ... ignore anything negative about their stocks due to confirmation bias. ... will jump into day trading and/or margin usage at worst possible times. ... make blindly 'buying the dip' they're primary investing strategy. ... consider bullish "what-ifs" , while ignoring bearish "what-ifs". … equate every bit of news as a catalyst, while it's just ‘business as usual’. .*. spend too much time on small positions & not enough on large positions. .*. fall prey to "how much lower can it go" thinking, and later learn A LOT! ... underestimate 'company specific risk' and invest too much in one stock. ... worry about how they rank against others instead of focusing on self. … don’t understand what ‘the market is forward looking’ truly means. ... fail to factor 'we don't know what we don't know' in investment thesis. ... confuse getting lucky with having a sound investment thesis. ... will eventually get kicked in the throat by an unexpected margin call. .*. own too many individual stocks complicating things for no reason. … don’t spend enough time trying to break their bullish investment thesis. … scream "manipulation", when wrong about their favorite stock. ... spend too much time on social media telling others their stocks are best. ... think 'time in the market' guarantees profits, which isn't true for stocks. ... fall for recency bias when projecting future returns. … think they know more about a stock/company, than they actually do. ... sell their winners early and hold their losers indefinitely. ... willingly pay high expenses on ETFs that don't deliver. .*. happily DCA to lower cost basis, but won't do it to raise cost basis. ... turn a blind eye to dilution from rampant share issuance. ... ignore importance of long-term diversification. ... assume any ETF or mutual fund is safer than a stock. .*. get caught up believing the hype of a highly speculative stock. ... don't bother researching balance sheet & other key metrics.. ... under-estimate what's needed to retire 'comfortably', incl. fire/coast fire. .*. over-estimate what's needed to retire 'comfortably' (opposite of above). ... are far too quick to give advice while being ill-equipped to do so. ... over-estimate their true returns by failing to offset deposits. ... get cocky during bear markets & ultimately lose years of gains because of it. I think I've shared something similar to this in the past, so if I'm being honest, not really sure why I'm sharing... As with most of my posts, it's likely driven by what I'm seeing in my Blossom feed. And full disclosure, I've been guilty of a few of these (.*.) myself. Maybe you're guilty of some too. ** Wanted or not, I'll add to this list as more come to mind. **read more
Don’t get me confused with other income investors in this space. My conversion to Income focused portfolio came with the wish to retire before the age of 60 and generate my own pension. My RRSP and commuted pension along with my TFSA were converted in 2023 and now I find myself at the crossroads of: 18 months building my income portfolio and 18 months living my retirement for a total of 3 yrs. The income part has been more than sustainable which is around the 19K mark which is 2 times my income needs. The Wealth part has been phenomenal as I currently have over a 83% total return in the past 3 years. Although my portfolio is considered a high yield one, I believe in 10%-12% dividend yield and no more. We all dream of achieving FI and take the next step to RE when the time comes. Let’s not wait until 65 yrs old to determine our retirement age. Please review my screen shots and comment below. Working towards FIRE 🔥 is true freedom in my books!!! Always do your own research 🧐 and analysis 📊 read more
What happens when two of Elon Musk’s biggest visions potentially come together? 🚀 A possible SpaceX–Tesla merger could change the game for AI, robotics, electric vehicles, and space exploration. But big headlines don’t always mean big wins for investors. The real question is whether this move creates long-term value or brings new risks.
I haven’t been very active on here lately because of the work grind and family responsibilities (all good things!) but since I have some time waiting while my daughter is in her hip hop and acro classes, I figured I’d take the opportunity to write a few thoughts! I have a few simple, perhaps unconventional, investing habits that I feel works for me, which I recently shared with a friend. We were comparing how we invest. Below are some habits I brought up. Not necessarily practices I’d recommend others to follow. Every investor has different financial circumstances, goals, and risk tolerances, so it’s important to assess what makes sense for yout own situation. 1) I don’t always invest immediately - when I deposit money into my investing account I sometimes wait a week or two for a dip in the stocks or ETFs I want to buy. I recognize this is a form of market timing, and research generally shows investing sooner tends to outperform waiting. Still, I prefer being a little selective about my entry point without waiting indefinitely for the perfect price. 2) I practice DCA, but I don’t automate my investments - I invest consistently, usually around paydays, but I prefer manually transferring my money and deciding how much to allocate at a given time. Most often I invest the same amount every month, but I like to choose which day that is (aligns with my point 1 above). I enjoy being intentional which each contribution rather than everything happening automatically. Maybe I’m a bit of a control freak too lol. Since I occasionally wait for dips before buying, my approach combines regular contributions with some market timing rather than strict dollar cost averaging (DCA). 3) I track every contribution in a spreadsheet- even though my brokerages (Questrade and Wealthsimple) tracks deposits, I maintain my own spreadsheet to monitor annual contributions, document milestones, and measure progress toward my investing goals. Plus a love a good spreadsheet! I update it regularly (every time I deposit) because I like the satisfaction of seeing how much I’ve personally contributed separate from market performance. 4) I check my investments everyday - while conventional advice often suggests checking your portfolio less frequently, I prefer staying informed on a daily basis as I find it motivates me, gives me a sense of satisfaction, and makes me feel confident in my financial decisions. I’m not a person who makes hasty decisions so I’m not worried that I’ll suddenly sell any investments in a market dip or downturn. So this works for me. 5) I don’t automatically sell my individual stocks just because they’ve performed well - I don’t believe that a significant gain is necessarily a reason to take profits. If the fundamentals remain strong and my original investment thesis still holds, I’m comfortable letting my winners continue to grow. Of course I’ll consider whether a position has become too concentrated in my portfolio. For me, selling should be based on a reason beyond simply being up a certain percentage. $AMD has done really well and I’m still holding! This is a reflection of my personal investing experience, not financial advice. What are some uncommon or unconventional investing habits you have that works for you? read more
Starting my investing journey I’ve noticed such a huge trend of people glorifying ETFs like $VOO$QQQM$SCHD$VXUS and more but I have such a huge problem with that. Although there are good things about ETFs and reasons to use them I feel as though we are leading a lot of new investors astray. The purpose of ETFs: ETFs are exchange traded funds used for the purpose of diversification. But why do people want diversification? Well it’s less risk, you can gain profits from tons of companies all in one. So why would I be making a post opposing ETFs. Well it all comes back to the concept of risk pooling. Risk pooling is a strategy where one splits risk across multiple sections or areas. So instead of having one stock I would have many and the reason for this is reduced risk. Where one stock may be loosing profitability another could be gaining profitability and together they will neutralize each other out so I neither loose nor gain. Risking pooling creates a safety net against major losses but what we forget is that it also creates a safety net against major gains. Neutralization affects both sides. Why does this matter: Taking that understanding of risk pooling we see the purpose of risk pooling is reduced risk. But does reduced risk align with investor goals? Are we investing to keep our money safe or to make our money profitable. Investors goal should be profitability and that is what the stock market is for. So when you invest in ETFs remember ETFs are not built for profitability but for safety. The best gains aren’t in ETFs but rather the concentrations of individual stocks, but then again is an individual stock the best strategy either? That’s an immense amount of risk in one company that could go down. So maybe the best strategy isn’t one or the other but maybe a combination of both. Your Portfolio of Individual Stocks is your ETF: With ETFs you are forced to neutralize losses with profits as all stocks are combined into one big one. But if I mimicked $VOO as individual stocks I would have way higher profitability and here’s why. What ETFs take away from you is inflation. Inflation is a third variable to risk, as we all know the stock market grows with inflation and even bad buys over time even out. So instead of the losses stealing your profits you can use inflation to neutralize the risk of underperforming stocks. But let’s take it a step further. ETFs remove your choice: What if you instead of being forced into a diversification you didn’t really choose or understand you made a portfolio of stocks you knew and understood. An ETF where the likelihood of green was 70/30 not 50/50. Then profitability would increase further. We also know that diversification doesn’t have to look like hundreds of stocks it can be much less. Risk’s correlation with Profit: You see what I have been trying to point out here is that diversification has an inverse relationship with profitability. The further you diversify the lower your profitability threshold is. So instead of going straight ETFs or just a single individual stock maybe the best investors are in the middle. Where investors diversify but only to the point of statistical necessity. My recommendation: So in all of this I would recommend mixing up your portfolio. Have some ETFs but don’t choose broad ETFs and when you see good individual stocks maybe don’t pass it up cause of some risk, if you have researched a company that already reduces your risk. If you want another helpful tip: Stocks all fall under a sector and not only do stocks have individual performance but they also have sector performance so if you want to diversify but increase the likelihood of profitability choose a sector focused ETF and research what sectors are performing better in the market and that will give you what you really want, an ETF that generates real profitability. So if this post seems like a controversial take to you I advise you to look into it yourself. Study risk pooling and look at the best investors portfolios and see what’s in there portfolio, cause the best investors I know are never talking about $VOO or $VXUS they are talking about $META they are talking about $NVDA and they are talking about the future of this country which most likely will involve a lot of AI. read more
Here are my top 9 most favorite books on the topics of money, investing, and the psychology related to it. 🙂 I have also shared my short takeaways from each of these books: ✅ Reboot Your Portfolio (Dan Bortolotti): By simply "owning the market" through globally diversified index funds, you will almost certainly enjoy better performance than the vast majority of investors who buy actively managed funds or try to pick their own stocks. Over the long term, index funds offer the highest probability of achieving your investment goals. ✅ Atomic Habits (James Clear): If you can get 1% better each day for one year, you’ll end up thirty-seven times better by the time you’re done. Focus on making tiny adjustments to your behavior, as small changes lead to lasting improvements. ✅ Die with Zero (Bill Perkins): Maximize meaningful and memorable experiences in your lifetime when you are healthy and have the capacity to do so. Invest in experiences that yield long-lasting memories and pay you regular "memory dividends". ✅ The Simple Path to Wealth (JL Collins): Build a financial cushion (F-You Money) to give you a choice, and invest through low cost, broad-market, diversified index funds. ✅ Rich Dad, Poor Dad (Robert Kiyosaki): Use your money to acquire assets instead of liabilities. ✅ Choose FI (Chris Mamula, Brad Barrett, Jonathan Mendonsa): Achieving Financial Independence requires a plan, much like building a house, but it is not a one-size-fits-all approach and you can tailor it based on your own journey. ✅ Quit Like A Millionaire (Kristy Shen, Bryce Leung, JL Collins): Spend your money on experiences that last a lifetime that on material stuff and consumer debt. ✅ The Psychology of Money (Morgan Housel): Managing your emotional impulses and learning how to behave in face of challenging money decisions, play a crucial role in your financial success. ✅ I will teach you to be rich (Ramit Sethi): Develop a "Conscious Spending Plan" that aligns with your values and financial goals. 📚 Learn More: https://youtu.be/KIXOYvKgtnw ➡️ What are your favorite money/investing/self-development book recommendations?read more
EDGE REPORT Sector screener The market is still risk-off. Defensive sectors beat offensive ones by 2.8% this week, the same gap as last week. Consumer Staples (+3.8%) and Utilities (+2.9%) were the top two sectors. Financials (+2.5%) was the only offensive sector near the top. At the bottom were Communication Services (−4.5%), Technology (−3.6%) and Industrials (−0.7%). SPY and QQQ both closed below their 50-day averages. QQQ lost 3.2% on the week.
TOP 8 STOCKS TO TAKE ADVANTAGE OF THIS DRAWDOWN: 1. $NBIS Nebius Group 2. $ASTS AST SpaceMobile 3. $RKLB Rocket Lab Corp 3. $AEHR Aehr Test Systems 4. $AVGO Broadcom 5. $GOOGL Alphabet 6. $VRT Vertiv Holdings 7. $CRDO Credo Technology 8. $NVDA Nvidia Corp Anything else a must add?read more
What should investors know before buying covered-call ETFs? Is a high distribution yield really passive income, and how do you know if your investments are actually growing your wealth? In this episode of Moementum Finance, I'm joined by Zayla Saunders, Vice President of Online Distribution at BMO ETFs, to talk about her personal money journey, investing philosophy, and what she's learned from helping Canadians become more confident investors. Zayla shares how money wasn't openly discussed in her household growing up, how she went from financial planning and mutual funds to believing in broad-market index investing, and how reading "A Random Walk Down Wall Street" book helped change her perspective. We also discuss why she favours low-cost index ETFs, the importance of paying yourself first, and how keeping investing simple can help you build wealth over the long term. We dive into the growing popularity of covered-call ETFs and income investing, including the difference between distributions and total returns, return of capital, and why NAV erosion is real. Zayla also explains her work at BMO ETFs, how the team supports self-directed investors, and why understanding what's under the hood matters before buying an ETF. We also discuss ETF overlap, common investing mistakes, market timing, BMO's T-Series ETFs, and how Zayla approaches her own portfolio. She shares her perspective on financial independence, explaining why she values financial autonomy and the freedom to make your own choices. Plus, we talk about spotting red flags in online financial content, building better investing habits, and why you can still enjoy your money while working toward your financial goals. 💬 We'd love to hear from you: If you could go back and give your younger self one piece of money or investing advice, what would it be? Let me know in the comments! https://www.youtube.com/watch?v=hiUF2bQvs1Yread more
📊 The selloff spread beyond tech as oil pushed past $100. The Dow dropped 1.23% to 52,215.16, the S&P 500 slipped 0.52%, the Nasdaq lost 0.21% and Canada’s S&P/TSX Composite fell 0.52%. 💳 American Express ($AXP) fell more than 3% after announcing it will cut about 5% of its global workforce, citing the need to prepare for AI. Caterpillar edged down about 2% and Goldman Sachs lost more than 1%, adding to the Dow’s drag. 🛒 Discount retailers sank on diesel costs. Dollar Tree ($DLTR) and Dollar General ($DG) each dropped around 5% after Wells Fargo warned that third quarter diesel prices, up roughly 60% year over year, will more than double the hit to earnings per share to 6.2%. Dollar Tree is the most exposed, facing about $25 million in third quarter profit pressure. 📡 Rogers Communications ($RCI) slid despite beating on both lines, with adjusted earnings of $1.29 per share on revenue of $5.44 billion. Wireless service revenue fell 1%, mobile ARPU dropped to $55.22 from $56.70 and postpaid net additions collapsed to 6,000 from 62,000 a year ago. 🚚 Mullen Group ($MTL) gave it all back, falling 10.90% to $28.76 to finish as the worst TSX performer. The logistics company had led the index Thursday with an 11.50% jump on record quarterly results. 🛢️ Brent rose 3.1% to settle at $116.72, its highest since April, and WTI gained 3.8% to $103.27 on reports the U.S. and Israel may be planning renewed strikes on Iran. ExxonMobil, Chevron and ConocoPhillips all hit all-time highs, while uranium and clean energy ETFs fell to 52-week lows. 👨🏻💻 Researched and written daily by @timeminoread more
📊 AI spending fears hit tech hard while oil spiked. The Nasdaq dropped 2.6% to 26,008.86 for its worst day since June, the S&P 500 fell 1.21%, the Dow edged up 0.02% and Canada’s S&P/TSX Composite sank 0.97%. 📱 Meta ($META) slipped about 7% despite beating on revenue with upbeat guidance. The company raised its capital expenditure forecast, and comments about how much AI funding it still needs sent the stock over and dragged the broader tape with it. ⚡ Power names tied to the data center buildout got crushed. GE Vernova ($GEV) and Bloom Energy ($BE) each fell more than 11%, Vistra shed over 10%, Quanta Services dropped more than 8% and Eaton lost nearly 7%. 💉 Moderna ($MRNA) cratered 17.57% to $202.63 after partial data on its Merck-partnered cancer vaccine leaked. The full release later in the day actually looked good, showing a 42% reduction in recurrence or death risk for certain melanoma patients versus Keytruda alone. 🚚 Mullen Group ($MTL) jumped 11.50% to $32.28 to lead the TSX on record quarterly results. Adjusted earnings of $0.52 per share beat the $0.41 expected and revenue of $653.2 million topped $614.9 million, up 16.3% year over year. 🛢️ Brent surged 4% to settle at $113.17, its highest since May, after a report that the U.S. and Israel plan renewed strikes on Iran following the midterms. WTI gained 2.39% to $99.47. Money ran to Treasurys, with the 10-year yield dropping more than 17 basis points to 4.972%. 👨🏻💻 Researched and written daily by @timeminoread more
Meta raised its capex forecast again and the stock dropped 7%. Is the AI buildout still worth the spend?
SCHD pays WAY more today. DGRO grows a little faster over 10 years. That is the whole debate. I get why people love SCHD. A 3.3% yield feels real, you see the money coming in. But DGRO is the slow build. Smaller paycheck now, bigger growth behind it, and the 10 year numbers back that up. Not financial advice. Where do you stand? $SCHD or $DGRO for your dividend money?
What’s the most important thing you look for when researching a stock and finding a winner? What are the things that a stock must have in order for you to own it? Let me know below, i’m super curious!
I'm working on an ETF deep dive into $HDIV, one of the most requested ETFs. I want to know what YOU actually want answered.... not just the advertised yield or how much it pays every month. I want to dig into the numbers and the questions that matter to YOU. How sustainable are the distributions? How much comes from return of capital? What are the underlying holdings actually doing? How does the leverage affect risk? Is HDIV delivering enough total return to justify its costs and complexity? Those are just a few starting points and examples.... What are the HARD questions you want me to answer? And as always, this is open to all, whether you're a holder, thinking of buying it ... or skeptical of the whole covered call strategy. I'd love to hear what you want to know and then i'll do my very best to separate the marketing from the data. Ps. The tougher the questions, the better 😏
$VXUS holds 8,790 stocks.. That’s EIGHT THOUSAND, SEVEN HUNDRED and NINETY….. To some, that sounds like diversification on steroids, over kill… HOWEVER, those 8,790 stocks are actually equivalent to owning only about 239 equally weighted stocks. That’s its effective number of stocks. It's a lot more than the S&P 500... but not as much as I personally thought! And that’s just ONE of the things I found digging into VXUS, Vanguards Total International Stock Index ETF. I also found some pretty surprising differences between VXUS and the S&P 500 ($VOO / $VFV ) that made me rethink what “international diversification” means to your portfolio. I broke down the performance, valuation, holdings, sectors, countries and risk in my latest VXUS deep dive. I’d love to know your perspective on this! https://youtu.be/NcafSSVfMXs It’s definitely more complicated than the “US is expensive, international is cheap” .... Would you include international stocks in one ETF as part of your portfolio? Why or why not? Let's get this conversation going guys!!! read more
Just arrived home from a quick trip to London - it was my first time visiting. What a cool city. Full of friendly people. And so much character! Found it super interesting to learn that there’s still very much a ‘saving’ mentality in the UK. But that seems to be changing. Shoutout to Max for delivering an incredible speech (as usual) about Blossom. He presented our platform and mission in a great way and it was very well received by the Brits!
Here are 🚩3 big flags🚩that signal a company might not be a good investment, and I'll walk you through how to check for each one. (Free Stock Checklist at the end) --- 1️⃣ Declining Revenue or Earnings📉 🛑 Why it’s a red flag:A company with falling revenue or earnings may be losing market share, dealing rising costs, or the overall industry is shrinking. ✅ How to Check for This: A) Look at the Income Statement📊 - Find the company’s total revenue and net income in its latest financial report. Top-line & bottom-line, respectively. - Compare revenue and net income across multiple quarters/years. 3 years or 12 quarters is more than enough to indicate a trend - If both are consistently declining, it’s a warning sign. B) Check Earnings Reports🗂️ - Look at the company’s quarterly earnings reports to see if they’ve missed expectations multiple times. C) Compare to Competitors🔍 - Is the entire industry struggling, or just this company? 📚Website for financial reports: https://www.marketwatch.com/ --- 2️⃣ High Debt Levels 🛑 Why it’s a red flag:Companies with a capital structure heavily debt-reliant are more vulnerable in economic downturns and might struggle to repay obligations. ✅ How to Check for This: A) Find the Debt-to-Equity Ratio (D/E)📊 - Go to the company’s Balance Sheetin its latest report. - Find Total Debt and Total Equityand calculate: Debt-to-Equity Ratio = Total Debt ÷ Total Equity** - A D/E ratio above 2.0 (varies by industry) is usually risky. B) Check Interest Coverage Ratio🔍 - Look at the Income Statement for EBIT (Earnings Before Interest & Taxes). - Find Interest Expense and calculate:Interest Coverage Ratio = EBIT ÷ Interest Expense - If this ratio is below 1.5, the company may struggle to pay interest. 📚 Resources: https://www.investopedia.com/terms/d/debtratio.asp#:~:text=Key%20Takeaways&text=A%20company's%20debt%20ratio%20can,has%20more%20assets%20than%20debt --- 3️⃣ Poor Cash Flow 🛑 Why it’s a red flag:A company can be profitable on paper but still run out of cash to fund operations. ✅ How to Check for This: A) Find the Cash Flow Statement📜 - Look at Operating Cash FlowOCF). - If OCF is negative for multiple quarters, the company may be in trouble. B) Check Free Cash Flow (FCF)💰 - Free Cash Flow = Operating Cash Flow - Capital Expenditures - A company with negative FCF can’t reinvest in growth without taking on debt. 📚 Read more about Cash flow: https://www.investopedia.com/articles/stocks/07/easycashflow.asp ___________________________________________ Thanks for reading, I am open to engage in friendly conversations so I encourage you to leave a comment!💬 Access my free stock checklist at the link below⬇️ https://investingwithcole.gumroad.com/l/stockchecklist read more
