VFV - Approx 53% VDY - Approx 32% QQC - Approx 15% These are my 3 holdings for long term investments! I would like to see how people feel about the picks and if anyone has better recommendations
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
4 and a half Months in to building my new income portfolio, and it has grown over $75k in value. I’ve been adding aggressively and my monthly dividend projection is now over $1400/m. 97% of the way to my goal of $1500/m by the end of the year. Do you think I’ll make it? 🤔
The greeks is a term for multiple measuring factors which can determine and predict the price movement of option premiums which allows you to understand the risk exposure of those options. In simple english - these greeks - and there are 5 we will go over - are there to help us measure how an option premium price will be affected in the future based on different things. DELTA: Delta will be used to determine how much the option price of a particular contract will move - either up or down depending on how the stock price moves. So the stock price goes up? Well, how do we know what the option price will then be? We use delta! Delta is defined as the expected change in an options price relative to $1 movements in the underlying stock price. So again, Delta is going to help us determine how the option price will move for every $1 the stock moves. Delta values you’ll notice will go from 0 to +1 with calls, and 0 to -1 with puts. Thats the number that the premium price will increase or decrease by. GAMMA: So now that we understand Delta - and how the price of the option is affected by Delta we can now understand gamma - because gamma affects delta - and delta affects the price of the option - so through this weird chain of events gamma affects the price of the option. K - Gamma is the rate of change of an options delta relative to a 1 point move of the underlying stock. So just like Delta, when the stock moves up $1, the option price is affected. So lets take an example - we have a stock trading at $10 with an option contract price of $2. The option delta is .5 and the gamma for the option is .1 - Now lets say the $10 stock increases to $11 - a 1 point move in the stock. The gamma of the option, which is .1 will affect the delta of the option which is .5 .1+.5 is .6 - so now the new delta of the option at the $11 price is .6 which in turn will affect the overall price of the option. THETA : One very important thing to understand about options is that all options lose value as they get closer to the expiration date if all other things remain constant. So you buy an option - you’re always fighting time - and that option is losing value every day, every week, every month until at expiration there is only the intrinsic value left of that option. This is due to Theta - or Theta decay. Theta refers to the rate of decline in the value of an option due to the passage of time. Theta is usually expressed as a negative number and that number tells you how much value the option will lose every day until expiration. Now that you know all this you can see how selling options is favorable - because you can sell an option and just let Theta decay do its thing - and as the option price decreases - something it does naturally - you, as the option seller make money. RHO : Rho measures the price change of an option in relation to risk-free interest rates. When speaking of risk-free interest rates we are talking about something like U.S. treasury bills. For example - if an option has a rho of 1.0, then for every 1 percentage-point increase in interest rates, the value of the option will increases by the amount of Rho - which is 1. Remember, Call options generally rise in price as interest rates increase and put options decrease in price as interest rates increase. So, call options have a positive rho, while put options have a negative rho. Alrighty got that out of the way. VEGA - Vega represents the amount that an option contract's price changes based on a 1% change in the implied volatility of the underlying stock. So just like all the other greeks, the option price is affected by something and in vegas case that something is it’s implied volatility. I think you’re getting the hang of this now I can feel it. For every 1% move up or down in implied volatility, the option price will move up or down by the amount of Vega. read more
If your personal portfolio felt rough in September while the headline S&P 500 held up fine, you’re not imagining things. BNN recently pointed out that nearly 75% of individual stocks in the S&P 500 actually dropped last month. A tiny handful of mega-cap tech giants is doing all the heavy lifting, hiding what’s really happening underneath. Market Outlook 👀 Top-line index numbers make this market look way healthier than it actually is. While tech is up over 28% year-to-date, equal-weight S&P funds and small caps are down 6% to 8% from their August highs. The big culprit? The U.S. 10-year Treasury yield spiking toward 5.3%, its highest level since 2002. Higher rates make borrowing expensive and punish rate-sensitive sectors across the board. The upside? A stealth pullback like this gives us a chance to pick up solid, cash-generating businesses at a discount while everyone else is distracted by index headlines. Investor’s Takeaway💰 When five or six tech giants carry the entire market, holding a standard cap-weighted index fund can give a bit of a false sense of diversification. Instead of chasing mega-caps at sky-high valuations, this is usually where the best opportunities lie in beaten-down quality stocks. Focus on strong free cash flow, low debt, and real pricing power, the exact fundamentals that win once market breadth eventually catches back up. Tickers to Watch 👀 🇨🇦 CAD Investors: * $MTY – MTY Food Group Inc. Why MTY: A classic "beaten-down cash generator." You’re not buying MTY for explosive growth today; you’re buying an asset-light, high-margin royalty business at a temporary discount while waiting for interest rate pressures to cool. 🇺🇸 USD Investors: * $UBER – Uber Technologies Inc. * $TLN – Talen Energy Corp. * $AMZN – Amazon.com Inc. Where’s your head at right now, sitting on cash waiting for deeper dips, or fully deployed? — This post is for educational purposes only and does not constitute financial advice. Original content and research by me; AI was used only to polish text flow.read more
For context: $ZETA represents 17% of my portfolio at a $16.56 cost basis, up ~100%, and I haven't sold a single share. Tomorrow I'm publishing my complete $ZETA investment case, and here's a preview of what's inside: - Why ROAS sits at the center of the entire pitch - The data moat no competitor can replicate - Athena plus the OpenAI, Palantir, Snowflake, and AWS partnerships - My DCF and bear/base/bull scenarios running to 2031 I think $ZETA emains undervalued at $32.63, and this is a 3-5 year compounder rather than a 3-5 week trade, so stay tuned. It drops on my Substack tomorrow, subscribe so you don't miss it 👇 https://substack.com/@summitcapitalcoread more
Officials from the Federal Reserve Bank of New York spent part of last week inside four banks. JPMorgan, Wells Fargo, Barclays and Morgan Stanley. They were not there about capital ratios or stress tests. They were asking a narrower and more interesting set of questions: how much are you lending to private credit firms, how do you manage that risk, and what exactly is the collateral behind those loans. Regulators do not walk into four systemically important banks to ask about collateral quality because they are curious. The trigger, according to Semafor, was something JPMorgan did in March. The bank quietly marked down a portfolio of loans it had made to private credit firms. The loans in question had been extended to software companies, and the reason for the markdown was that those software companies looked vulnerable to being disrupted by artificial intelligence. Hold that thought, because it is the hinge of everything that follows. Those marked-down loans are not sitting idle. They are collateral. Private credit funds pledge them to borrow more. So artificial intelligence is now simultaneously the thing creating the largest credit demand in a generation, and the thing eroding the value of the collateral behind an older generation of credit. The same technology sits on both sides of the ledger. The scale nobody mentions Bank lending to nonbank financial institutions has grown from roughly $300 billion in 2016 to more than $1.5 trillion. That is about 11% of all bank loans in the United States. The private credit industry itself is estimated at around $1.8 trillion. This is not a new worry. Gundlach said it felt like 2006 back in June 2025. Jamie Dimon suggested private credit investment might have peaked a month later. Blue Owl restricted investor withdrawals in February. The difference now is that the regulator has stopped reading about it and started visiting. Meanwhile, the financing got creative Last Friday, Broadcom began assembling something remarkable. A special purpose vehicle that will raise around $60 billion, and potentially approach $100 billion across the full structure, to buy Broadcom's own custom AI chips and lease them to Anthropic. Investors put up the money. The SPV buys the silicon. Anthropic leases the compute rather than owning the hardware. Bank of America, Citi and Morgan Stanley are syndicating it. The capital stack tells you who is taking the risk. Roughly $42 billion of senior secured debt carries a Broadcom guarantee. Around $18 billion of junior debt does not. Blackstone has committed about $9 billion to that junior tranche, which is the piece that absorbs losses first. Bank of America models potential exposure reaching $370 billion by 2029. The whole structure works on one assumption: that Anthropic's revenue keeps compounding at close to its current rate for years rather than quarters. Should growth merely normalise to what a very good software company does, the junior tranche is where that lands. And the company that needs money least borrowed anyway In June, Nvidia sold $25 billion of bonds across seven tranches, some maturing as far out as 2056. It was the company's first bond sale since 2021. The order book reached $85 billion against an initial $20 billion target. Nvidia is sitting on an enormous cash pile and generating more of it than almost any company in history. It did not need the money in any ordinary sense. What it did was establish that it will use its investment grade credit rating to keep the ecosystem funded, protecting its own balance sheet while the machine keeps running. When the most cash-rich company in the trade starts terming out debt to 2056, it is making a statement about duration. It expects to be financing this for thirty years. The bond market has already noticed While equities were making new highs on Monday, the ten year Treasury yield reached 5.315%, a fresh 52-week high. The thirty year hit 5.670% and the twenty year 5.717%. The explanation given for the steepening was elevated real yields, heavy borrowing, and competition for capital. Competition for capital. That is the bond market saying, in its own flat language, that something very large is bidding for money and it is not the government alone. What the economy underneath looks like Consumer confidence fell 6.7 points in September to 81.9, the lowest reading since April 2014 and a fourth consecutive monthly decline. The expectations component dropped to 63.6. Consumers named prices, the cost of goods, and fuel. The Strategic Petroleum Reserve fell another 767,000 barrels last week to 283 million, the lowest since 1982 and the twenty-eighth consecutive weekly drawdown. Saudi Aramco's chief executive described global stockpiles as "scarily thin." And Oracle, which has become the clearest live case study in all of this, is offering voluntary separation packages to managers. Six weeks of severance plus a week for each year served. Oracle has already shed roughly 21,000 roles this year, cutting headcount about 13% to around 141,000, at a restructuring cost near $2.8 billion. It carries roughly $125 billion of debt and a BBB- rating, one notch above junk. The money saved is going into data centres. Where this leaves you I want to be careful here, because this is not a crash call. The Nasdaq made a record high on Monday. Nvidia is above $5.7 trillion. Demand for AI compute is real, visible in Micron's accounts, and JPMorgan now thinks memory stays supply-constrained through 2028 with order discussions reaching into 2031. The point is narrower and, I think, more useful. The AI trade has quietly stopped being an equity story and become a credit story. It is being financed through special purpose vehicles, junior tranches, lease structures and investment grade bond issuance, and increasingly through the same nonbank plumbing that a central bank spent last week inspecting. That changes what you should watch. Equity drawdowns announce themselves. Credit does not. It goes first in the places nobody is looking, in marked-down loan books and widening spreads and a fund that quietly gates redemptions. So watch Oracle's credit default swaps rather than its share price. Watch whether that Broadcom junior tranche fills easily or struggles. Watch the thirty year, because if term premium keeps rising while equities make records, one of those two markets is wrong. And remember that in March, a very large bank looked at a book of loans to software companies, thought about what AI was going to do to them, and wrote the value down. Nobody noticed at the time either. Not financial advice. https://cycledesk.substack.com/p/the-fed-went-looking-for-something?r=7unzzg&utm_campaign=post&utm_medium=web&showWelcomeOnShare=trueread more
Michael Nicolls just just laid out SpaceX's ambition for connectivity that extends beyond Earth “We will connect the Moon with a constellation, and then we will connect Mars” "Our goal, again, is to extend consciousness beyond this planet, and we want to go and connect the Moon and Mars But before that on Starlink, we're creating the technologies to connect the Moon with very high-bandwidth connectivity systems, very high-bandwidth lasers And we will connect the Moon with a constellation, and then we will connect Mars, and we will form an interplanetary mesh of connectivity that is fundamentally driven by the same technologies we're working on with Starlink To make this happen, SpaceX needs to keep improving safety in LEO so everyone can operate and scale safely” Build safe, coordinated infrastructure in LEO first then extend connectivity and human presence to the Moon, Mars, and beyond. $SPCX https://x.com/starlink/status/2107482421746925611?s=46&t=0syaJ5rZERWUC8BqsLnFAg read more
📊 The S&P 500 closed above 7,800 for the first time as chipmakers rallied and yields cooled. It rose 0.58% to a record 7,818.93, the Nasdaq added 0.45% to a record 27,599.79 and the Dow gained 0.49%. The 10-year yield fell 3 basis points to 5.281%. 💾 Marvell Technology ($MRVL) jumped 5.81% to $287.01 after guiding to $20 billion in fiscal 2028 revenue at its Investor Day, above the $18.17 billion FactSet consensus. For fiscal 2031 it sees $70 billion to $90 billion against a $47.04 billion estimate. The stock is up more than 242% this year. 💉 Option Care Health ($OPCH) soared 32.65% to $31.00 on a deal to be acquired by McKesson and Clayton, Dubilier & Rice for $32.05 a share in cash, an enterprise value near $5.8 billion. CD&R takes majority ownership and McKesson a minority stake. ⚛️ Constellation Energy ($CEG) jumped more than 6% on a 20-year nuclear power deal with Google. Alphabet will buy 890 megawatts of new nuclear capacity plus a separate 2,700-megawatt supply agreement, backing more than $4.3 billion in Constellation investment. 🔲 Advanced Micro Devices ($AMD) gained nearly 3% after Citi lifted its target to $800 from $575. Analyst Atif Malik sees the CPU market reaching $300 billion by 2030 and calls CPUs the new bottleneck in agentic AI, with AMD the primary beneficiary. 🚀 Goldman Sachs started SpaceX ($SPCX) at buy with a $230 target, implying 44.7% upside. Analyst Eric Sheridan thinks the AI segment estimates look conservative against Street numbers over the next 6 to 18 months, absent a broader correction in AI. 💽 Memory names went the other way as investors reassessed data center demand. Seagate ($STX) slumped 9.1%, Western Digital ($WDC) tumbled 6.9% and SanDisk fell almost 2%. 👨🏻💻 Researched and written daily by @timemino read more
Vistra is up after getting a conditional $4.2B loan commitment from the U.S. Department of Energy to upgrade its nuclear plants. The upgrades could add around 433 MW of extra nuclear capacity without having to build entirely new plants. This is the part of the AI boom I continue to find interesting. Everyone talks about chips and data centers, but we’re going to need a lot more electricity to actually run them. I’ve been holding $VST for exactly this reason. More demand for reliable power plus an existing nuclear fleet is a combination I still like. Good day to be a $VST holder. https://www.fool.com/investing/2026/10/06/why-vistra-stock-popped-on-tuesday/read more
📈 THE BD INVESTING ANNUAL SUMMIT — OCTOBER 24 ( IN 2 WEEKS) We’re bringing the BD Investing community together LIVE in Toronto for 5 hours of investing education, market discussion, networking, food & more! 📍 Toronto 🗓️ Saturday, October 24 ⏰ 4–9 PM EST | Doors open 3:40 PM 🅿️ FREE Parking 🎤 SPEAKER LINEUP - Panels (fireside chats) Bilaal Dhalech — BD Investing AI Infrastructure • Is AI a Bubble? • BD Portfolio deepdive • 2027 Market Outlook & Predictions • Hot Sector Themes • The Road from $0 → $1M Azia Mery @aziamery & BD Financial Wellness for Beginners • Building Your First Portfolio • ETFs • Investing Do’s & Don’ts Shraddha Shah & Nathalie Valenzula Investing 101 • Dividends • Long-Term Wealth Building • Options trading 101 • Market Psychology & Controlling Emotions Adrian Bar — Canadian in a T-Shirt x BD @canadiantshirt Fireside Chat with BD • Current Investing Landscape • Taxes 🇨🇦 • Market Trends • Personal Investing Journeys • LIVE Q&A 🎟️ YOUR TICKET INCLUDES 🍽️ Free food & beverages 👕 BD Investing T-Shirt 🎁 Exclusive swag (Blossom , BMO , Wealthsimple) 🤝 Networking with investors & the BD community 🔥 FEW TICKETS LEFT — grab yours before we sell out! GET YOUR TICKETS — https://www.eventbrite.ca/e/bd-investing-annual-summit-tickets-1998125442988read 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
⚠️ Warning: This post was vetted through AI. You may want to look away now. 😂 After experiencing the uninformed and unwelcome opinions of people shaming the use of AI, and, even more frustratingly, misrepresenting my financial situation, I decided to reread The Subtle Art of Not Giving a Fck*. It reminded me of something I already knew: Not every opinion deserves my attention. Fundamentally, I don’t participate in negativity, harassment or hate. I don’t need to convince everyone that my choices are right, and I certainly don’t need the approval of people who have decided they know my financial situation better than I do. But I did feel that the developing culture of AI shaming deserved my attention, not because I want to argue with the naysayers, but because I think there’s an opportunity to have a more positive, productive and inclusive conversation about it. I genuinely enjoy sharing my financial growth, milestones, lessons and journey here on Blossom. It’s one of the fun parts of this app for me. I’m excited about what I’m building, and I enjoy sharing the process with people who are interested in learning, growing and having conversations about money. And just to be clear: I don’t use AI because I’m illiterate, incapable or unintelligent. I was a professor in a dental department at a post-secondary institution. I know how to think, research, question information and form my own conclusions. Using AI doesn’t equal incompetence. It’s a tool. A tool that helps me organize my thoughts, be more productive, communicate ideas and accomplish my goals. And I actually think there’s something beautiful about that. Technology can make participation more accessible. It can help someone find the words they struggle to find, organize thoughts that feel overwhelming, communicate in a language they’re still learning, or simply make it possible to participate when life is busy. That feels more inclusive to me, not less. Of course, AI isn’t perfect. It can be wrong. It can misunderstand context. It can produce information that needs to be checked. That’s why I believe in using it responsibly: question it, fact-check it, protect your privacy and ultimately take responsibility for what you choose to publish. That isn’t giving up your intelligence. That’s using your intelligence to use a tool well. AI is here. It’s ubiquitous. And honestly, it has barely begun. We don’t shame calculators because people used to do long division. We don’t shame spreadsheets because people once balanced books by hand. So why are we suddenly treating the use of a new tool as a character flaw? Telling someone to stop using AI because it’s “not real” is about as logical as trading your laptop for a pen and paper, your smartphone for a corded home phone, and your GPS for a paper map. Technology changes. We adapt. And perhaps the most important part of all of this: The people who have reached out privately, with thoughtful messages, encouragement, curiosity and kindness, far outweigh the toxic noise. Those are the people I choose to give my energy to. AI isn’t going away. Neither am I. And I’m not going to spend my time arguing with people who are determined to misunderstand me. I’d rather keep learning, keep questioning, keep investing and keep moving forward. You don’t have to use AI. You don’t have to like AI. But you also don’t get to decide what tools someone else is allowed to use to build their life. And yes…AI helped me write this. 😉 I’m okay with that.read more
Stock market today: S&P 500, Nasdaq hit record highs as Nvidia, AMD lead tech higher Record Stock Highs: S&P 500 / Nasdaq closed at record highs, driven by continuous AI optimism. Tech Sector Strength: AI chip heavyweights Nvidia and AMD notched fresh all-time highs to lead the market rally. Google's Nuclear Deal: Constellation Energy surged 13% after signing a $4.3 billion, 20-year power purchasing agreement with Google. Mega Media Merger: The $110 billion merger between Paramount Skydance and Warner Bros. Discovery officially closed, forming Skydance (SKYD). Yields and Oil: Treasury yields eased slightly from multi-decade highs while Brent crude futures slipped to around $98 per barrel. read more
$FINN is an interesting choice if you want one ETF focused on innovation, AI, cloud computing, semiconductors, cybersecurity, and digital platforms. But it does not cover everything. It covers one important part of the future: global innovation. 💻What FINN Owns Its largest holdings include: • $AMZN: 10.25% • $NVDA: 10.07% • $MSFT: 8.58% • $AAPL: 5.55% • $GOOGL and $GOOG: about 9.66% combined • $TSM: about 5.36% across listings • $INTC: 2.86% • $SKHY: 2.52% FINN holds about 124 companies, but the top positions still make up a large portion of the portfolio. 💡 Why I Like It FINN gives investors exposure to several major long-term themes in one fund: • Artificial intelligence • Cloud computing • Semiconductor demand • Cybersecurity • Digital commerce • Automation and software Instead of choosing only NVDA, MSFT, or AMZN, you receive exposure to a broader basket of companies shaping technology. ⚠️ The Trade-Off FINN has an MER of approximately 1.09%, which is much higher than broad-market ETFs such as $XEQT, $VEQT, $VFV, or $VTI. It is also concentrated in technology and growth stocks, so it could fall sharply when valuations decline or investors move away from risk. 👀My View FINN could work as: • A focused long-term innovation holding • A satellite position beside a diversified core ETF • An option for investors who believe AI and technology will keep reshaping the economy I would not treat it as a complete portfolio because it does not provide the same broad exposure to financials, energy, bonds, real estate, and other sectors. FINN may cover the future of innovation, but it does not cover the entire future of investing. read more
Originally published on Blossom on April 13th, 2024 Please find retrospective commentary at the end. The purpose of this series is to convey the decades of knowledge I have obtained from the truly greatest investors of all-TIME (and it’s not limited to the 2nd tier “greatest” ones that get all the press and re-quotes) to demonstrate HOW TO READ AND TIME THE MARKETS with profitable actions to sustain annualized double-digit returns. We do this by developing our toolbox to handle different market conditions using both tools from Fundamental and Technical analysis in combination of watching the activity of the INSIDERS, realizing we can’t beat ALL of them, but we can beat MOST of them and SQUASH our fellow INVESTORS. But we are certain to exclude the 75% of Conventionalist guidance - which is distributed to the masses of retail investors. These are the ones that talk incessantly about DRIP, DCA, dilutive S&P 500 investment vehicles, bonds, and returns on cash holdings, on and on. Makes me nauseous. 🤮 Young investors willing to take the TIME to learn about how to make their savings work for them aren’t a good match for this lazy investor product suite listed above! Always remember, Conventionalist advice is delivered to the general investing public. And most all of the general investing public is relatively poor. Conversely, the wealthy do something different. So why on Earth would we follow the advice that puts us on a path of “Conventional Wisdom”? You know what they all have in common? The same All-TIME returns. Check it out for yourself. Every TIME you see those acronyms and hear those cute sayings in a post (DCA, DRIP, “Buy Low, Sell High”, “Buy when there’s blood on the streets”, etc.), test it out, and click on the author’s all-TIME returns. If it’s ~7% +/- 2.5%, mark it down as “Conventionalist”. It is really amazing how that regurgitated advice plays through into all of their portfolio returns. Anyway, if it isn’t double-digit, annualized returns, then maybe you should look elsewhere. Just know that Wall Street wants you to be a Conventionalist (prey). OK. Got that out. Now, let’s add a new tool as we make more progress on our ability to read and TIME markets. As you know, I am a proponent of knowing where you are in the cycle. There are many cycles in play at any given TIME. Examples include: seasonal, business, product, real estate/banking crisis, super cycles, etc. Different sectors, subsectors, stocks, bonds, ETFs, etc. work best in different phases of any given cycle. There can be overlap, intersection, coincidence, and separation in cycles. Sounds like a lot to keep track of? Not really – because we follow the Wall Street playbook and their subsequent activity to position appropriately. But it’s enough that we can’t tackle in just one post. If you go back and re-read my post, “They are telling us so what are you waiting for?”, you know that I’m positioned for where we are in the real estate/banking crisis cycle. They date back to the early 1800’s when the stock markets got their start. Like clockwork, they start and expire on TIME. The 20-Year Chart is perhaps the most neglected chart of them all. And if you really claim to be a long-term investor, it should be referenced more frequently, if not the most. For companies that have a 20-year history, this chart can give incredible insight in to what we can similarly expect in price movements today at this point in the cycle. Why does this generally work? It requires an understanding of cycle duration and when they begin. We will get to that in this series. But for now, why not pull up the 20-year chart for all of your stocks that have a 20-year history and start thinking about how and why this gives us some insight with the TIMEframes I’ve laid out in previous posts. We’ll explain more in later posts. Try this exercise before we get into that. Note: A quick observation on the markets from the past 2 days. Large price drops in a short period of TIME is an EXTREMELY BULLISH indicator for a long runway for this bull market to run up into 2026, as we expect from the cycle. Expect the dips to be short-lived in these healthy pullbacks. Also, I shared 30 tickers of stocks in KTS #14 that I am currently watching (due to Wall Street’s favored sectors, subsectors) that Wall Street is currently accumulating. One example, $USAS , the wolves came in the last 10 minutes to close above the open for one of the few stocks up on the day. We love to buy these stocks because we know that Wall Street can’t risk NOT accumulating a stock with high conviction. I read and TIME these movements for extreme profits. Retrospective commentary - October 5th 2026 Still one of the most underappreciated charts, even among the best investors! When you think of Beskar Capital, you think of: $USAS – up about +415% since the original publication. $TGB – up about +224% since the original publication. $FTI – up about +183% since the original publication. $HL – up about +192% since the original publication. $TTI – up about +62.5% since the original publication. Look at all their charts. Put yourself in April 2024 and try to see how we were able to zoom out and get in at optimal points in TIME. The KTS series aims to help you recognize cycles and build the tools to identify money flows, accumulation, long-term breakouts, and get in before the conventionalists even know these tickers exist. This has been our credo since the beginning, and now it’s TIME to show the results and acknowledge the value of it all. If you read the KTS #13 re-post, you saw our transaction history on $TGB . You can see how we were able to accumulate with conviction. I compiled the same transaction history for $USAS , $TTI and $HL that were publicly disclosed before opening the website in February 2026. You can find all tables attached to this post. And you can see the links to each trade in the comment section below! 🏆 Open your favorite charting platform and identify our points of accumulation on the charts. Look at the charts and look at the dates when we built our positions. When you zoom out, you can see how effective the KTS tools can be. We witnessed $HL break out to highs not seen since the ’80s, $TGB break out to 35+ year highs, and on and on. If you can’t see how the tools I’ve developed over the past 36+ years can help you outperform the markets and generate amazing double-digit annualized returns… then I guess you can’t be helped at all. Beskar Capital cannot stress this enough: zoom out and recognize that you can learn to identify and profit from these long-term cycles. I always give you my best! 🏆 This is the Way! 🏄🌊 read more
As I'm sure many of you know, Blossom added a new AI detector. I wanted to share some of my thoughts on AI and how I use it to help me create my Blossom posts and other content. If you haven't noticed already, the vast majority of my posts are written using AI. If that bothers you, no worries, you don't need to read my content. Here's how I use AI to help me create my posts: When I find a topic in my QAFP studies or have an idea I think is worth sharing, I talk through it into Wispr Flow for a few minutes. It always starts with an idea or an opinion that I have, and then I talk through that opinion or the new concept that I just learned. After that, I usually get an LLM to make my thoughts more understandable and clear while still trying to preserve all of the ideas and opinions that I have. I have no issue using AI this way because the topic, perspective and responsibility are still mine. It helps me turn a few minutes of rambling into something easier to read. I do see an issue with a large number of AI posts on Blossom and other social media platforms. For example, whenever I see em dashes and glaring AI-isms, I automatically discount the content that I read in those posts. The posts I discount are the ones where it feels like the person contributed almost nothing. The repeated phrases and perfectly balanced sentences are easy to spot, but the bigger problem is that the person did not bring a point of view of their own. AI can make a weak idea sound polished without making it worth reading. I am responsible for every claim I publish, whether AI helped arrange the words or not, and that responsibility matters far more to me than a detector score. How do you feel about AI-assisted posts?read more
They look like twins. They're NOT. $VOO = the 500 biggest US companies. $VTI = those 500 PLUS about 3,000 smaller ones. Same Vanguard. Same 0.03% fee. Nearly identical returns. Those extra 3,000? Tiny names that barely move the needle. $VOO people say $VTI is just $VOO with extra steps. 😂 But the $VTI crowd says THAT'S the whole point. When small caps finally run, they catch the wave & $VOO doesn't. I'm team $VOO . Simple. Clean. I know exactly what I own. Your next $1,000 can only go to ONE. Which one? Where do you stand? 👀read more
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!
