Canadian-Listed ETF Weekly Flows Recap [Aug 21-27] Equity ETFs dominated flows last week, attracting +$3.5 billion of net inflows. Within the broad market beta exposures, U.S.-focused ETFs led with +$435 million of net creations, while Canadian (+$354 million) and EAFE (+$239 million) mandates also posted healthy gains. Financials ETFs led sector flows, driven by ZEB's strongest weekly intake since July 2025 at +$638 million. Technology (+$228 million), gold miners (+$174 million), and utilities (+$93 million) ETFs also experienced a notable pickup in demand. ESG ETFs gathered +$376 million, marking their strongest weekly inflows in two months, with DGAM's ESG suite listing among both the top inflow and outflow products. Fixed income ETFs posted +$970 million of net inflows last week. Investors broadly added to aggregate (+$353 million), investment grade (+$297 million), and government bond ETFs (+$146 million). Within HISA ETFs, Evolve's newly launched accumulating units HISA.L and HISU.V attracted several institutional-sized trades, largely mirroring outflows from HISA and HISU.U. Within asset allocation ETFs, all-equity portfolios remained the clear leader, attracting +$429 million of net inflows, while balanced (+$122 million) and growth portfolios (+$75 million) also recorded solid gains.read more
I’ve been thinking about something I don’t see discussed nearly as much as what we’re buying. Dividend investors will research individual companies, follow the earnings and fundamentals, and sometimes decide an investment just isn’t working out. They’ll sell it — sometimes at a loss — and explain what they moved into and why. ETF investors make changes too. I’ve certainly done it myself. I owned a shotgun of different funds when I started, and as I learned more, I sold quite a few and changed direction. So here’s what I’m interested in when it comes to covered-call ETFs. We hear a lot about the funds that ARE working. HDIV comes up regularly, for example, and one of the things people point to is its total return. So which covered-call ETF did you own that DIDN’T work out for you? What made you finally decide to sell it? And here’s the part I’m most interested in: What did you move the money into, and why did you believe it was the better choice? Was it another covered-call ETF? And what made that one more attractive — total return, NAV performance, underlying holdings, distribution sustainability, the strategy itself, or something else? I think there’s a lot we can learn from the funds people decided to leave behind — and why they chose the replacement.read more
For those interested in macroeconomics and have a grasp of the importance of the world bond markets, you may find this interesting. So I have a Yen Collapse Watch programmed into ChatGPT, it scans the news every day for critical updates. It’s never sent me one until today, this will undoubtedly be an interesting September that could see multiple gale forces slamming into the world economy all at once, especially that of North American and Indo-Asia as a result of increasing dumping of U.S. Treasury Bonds, forcing interest rates possibly higher than expected, forcing liquidity out of the markets and into the Bond Market. For those who don’t understand it, well it means it means an accelerated market correction - ie stock market crash; multi-month to several years or longer. $100 Billion USD was spent trying to prop up the Yen by Japan and Scott Bessent, which Stan the Man Drunkenmiller called a fools errand - currency interventions have had a 100% failure rate over the last 350 years. ⚠️ Yen collapse warning: conditions have become serious enough to flag. As of August 28, USD/JPY is around ¥160.1 per U.S. dollar. That alone wouldn’t trigger my alert, but the surrounding market stress now does: Japan disclosed that it spent a record ¥15.4 trillion (about US$96.5 billion) supporting the yen between July 30 and August 26 after the currency reached roughly ¥163–164/$, its weakest area in about four decades. Despite that extraordinary intervention—including rare U.S.–Japan coordination—the yen has already fallen back toward ¥160. This is no longer routine currency weakness. The combination of extreme multi-decade lows, enormous official intervention, intervention gains being substantially surrendered, and continuing pressure toward ¥160 constitutes genuine market stress. Reuters also reports that the Bank of Japan is now expected to accelerate tightening, with economists anticipating a September rate increase partly because of persistent yen selling pressure. I would characterize this as the edge of a potential disorderly decline rather than an uncontested currency collapse yet. The critical escalation would be a decisive move back through approximately ¥164/$ despite intervention. That would mean the market had erased the intervention entirely and broken beyond the recent 40-year extreme. Reuters: Japan's record intervention to support the yen. 🍿 🍿 🍿 🍿 🍿 read more
Adversaries of Bitcoin love to say that it “has no utility” 🤦. Which drives me a lil nuts, because it is simply not true. A very useful utility: medium of exchange. Or better put: Bitcoin is a permissionless global value-transfer and settlement network. More simply: Sending and receiving money 💸 1) Across borders 2) Or within Canada, e-transfers suck! Note that this applies more broadly to Crypto as a whole, but I only focus on Bitcoin. 1) Across Borders 🇳🇱 🇬🇧 🇯🇵 Have you ever tried to send money to someone in the US? Or anywhere in the world? It’s a royal PITA. E-transfers do not work, these are Canada only. There are some decent ways to send money to/from the US, but they all require a middle man. A bank, or some third party service like PayPal or wise. *Wise is a new thing I learned about just today, and seems like the cheapest US solution for a lot of cases. All of these solutions have FEEs, which are often opaque. Especially the FX fees. All require TRUSTing a middle man. A bank wire takes multiple days. Oh it's a Saturday? Sorry you’ll have to wait until Monday. In terms of privacy, you usually need a ridiculous amount of recipient information: full legal name, address, account number, bank/branch address, routing number, etc. See the image below for a breakdown of fees and speeds. Whereas BITCOIN, you can send money anywhere in the world directly. No TRUSTing a middle man to do this for you is required. You can literally VERIFY the transaction yourself. The fees are extremely small, and are not percentage based. It's basically the same fee to send $10 as it is to send $1,000,000. A Bitcoin transaction appears on the network almost immediately. Once mined, it gets its first confirmation usually within 10 minutes (1 block). Every subsequent block makes reversal exponentially more difficult, and you can independently verify all of it. The transaction is then SETTLED. No reversal. 24/7, 365 days a year. Bitcoin Lightning, a layer 2 solution, further reduces the fees and speeds. Near-instant payments for tiny fees. There are a couple tradeoffs here, but it is awesome for small transactions like paying for a coffee. 2) Within Canada - e-transfers Suck! Somehow in Canada, “e-transfers” have become the main way to send and receive money. It’s like a clever front end hack sitting on top of the Canadian banking system. When you send money, it doesn’t actually travel through email. It uses the interac network between the sender and receiver’s financial institution. It is NOT real time settlement. Making them susceptible to scams in many different ways. If you sell something on marketplace, and someone sends you $500 via etransfer. Is that $500 safely in your account forever? No. It could be reverted and you cannot do anything about it. That person cannot simply hit “undo”, but that person could still quite easily be scamming you. It could be from a compromised bank account, or the legitimate account owner can report it as unauthorized / fraud. Which could lead to reversal. The most common scam for this today is when someone “accidentally” sends you some money and then asks you to send it back. After you send it back, the amount they you sent originally gets reverted. Disappearing from your account. Not to mention that e-transfer request e-mail and texts are a great medium for phishing attacks. There are also limits to transaction size, and it is anchored on sensitive personal information like email address and phone number. Sending and receiving money to anyone in the world is clearly one Utility of Bitcoin. There is no sitting around for a week wondering when your wire transfer will go through. Or worse, what if the wire transfer doesn't go through for some reason? What if the bank decides to hold your money to investigate? What if they flat out reject it? What if they completely freeze your account? What if…. <insert basically infinite what if’s here> With Bitcoin, you can send money to anyone in the world using a simple address string. You can independently verify the transaction from point A to point B. All you literally need is the internet to broadcast it. Using a wallet that you have complete control over. Cheers 🍻read more
When people see how much margin debt I have they always ask me “Doesn’t that amount of debt stress you out”? What happens if the market crashed? For me I had to reframe my thought process. When I set out this year to match my employment income with distributions I came out swinging with the big hammer. My money, other people’s money doesn’t matter to me as long as the spread is high enough. The first thing I did is just simplify how much does it cost me to maintain this level of equity exposure. Currently it costs me $612 per month to cash flow $3950 in distributions, this is my whole income portfolio combined not just what’s rented. The debt does not stress me out in the slightest. It’s tied to an appreciating income producing asset that has the potential to self sustain itself over time. Yes I also know distributions are not the whole picture and I also know that yield alone is not the whole picture. TOTAL RETURNS is the whole picture. I structured my portfolio to be ROC heavy to defer taxes to whenever the end game is where I have allowed the portfolio to self sustain and payoff the loan on its own accord. My margin account is mixed use so writing off interest is off the table for now. I used in my opinion the best income products on the market. I also acknowledge that with a yield at 17-19% most of my returns will be via distributions and not much for capital appreciation. There are only 2 choices for income earned from my portfolio. Reinvest or Pay Loan. Taking anything out for personal spending is not to my benefit until the loan is paid off. When I decide to flip the switch to payoff mode this portfolio should pay itself off between 5-7 years if I just leave it be and divert all distributions to margin debt if everything remains stable. Which may or may not happen but I’m not going to let what ifs distract me. I understand completely that most of my portfolio is not my money. I may end up taking it on the chin at some point. It was a decision I made to invest my whole income from every income stream I have outside of investments and allow a larger equity base to compound over time. Most of these positions would not have existed if I hadn’t have made that decision. In the event of a downturn that pushes me close to the brink of a margin call the plan is to simply sell the bare minimum required, hold distributions in cash or pay loan and continue with the strategy of investing my pay every week. Just keeping the train on the tracks. I know this doesn’t make a whole lot of sense to a lot of people but it makes sense to me. read more
A lot of people are celebrating great returns from the AI sector today, which is great, I don't have an issue with that. I just wanted to remind new investors that there are other narratives in the market and that not everything has to be focused on what's hot and trendy. Metallurgical has been driving my portfolio over the past month, AMR up 55%. It's a boring narrative that couldn't be further from the AI story. There are lots of ways to make money with the markets, don't feel it's necessary to be allured by what's trending with the masses.
I made a mistake of buying $COIW , $HOOW & $ULTY at high prices and waited for them to grow via dividend reinvestment. That kinda seems useless right now because my current averages are still very high. My average prices are: $COIW : $17.58 $HOOW : $62.5 $ULTY : $45.75 Are these worth holding or should i book the loss?read more
📚 OPTIONS 101: The Foundations You NEED to Know Before Touching the Greeks 📈 You asked for the whiteboard version… here it is! 🧠✍️ We’ve officially wrapped up the foundations of options. Before we jump into the Greeks, let’s recap the basics in a way that actually makes sense. 👇 🔹 WHAT IS AN OPTION? An option is simply a contract between a buyer and a seller. Every contract has 3 key terms: 📌 Underlying — What stock or ETF is involved? 📌 Strike Price — The agreed-upon price where the deal was “struck.” 📌 Expiration Date — How long the contract remains valid. Then you have two types: 🟢 CALL = Right to BUY 🔴 PUT = Right to SELL 🟢 BUYER = OWNS THE RIGHT When you buy an option, you own the right to act on the contract. You are LONG the option and you pay a DEBIT. Your goal? 👉 You want the option to become more valuable. 🔴 SELLER = WRITES THE CONTRACT When you sell an option, you write the contract and take on an obligation. You are SHORT the option and receive a CREDIT. Your goal? 👉 You generally want the option to lose value or expire worthless. 💰 WHAT IS THE PREMIUM? The premium is simply the price of the option. It consists of: 🔹 Intrinsic Value — the option’s executable/in-the-money value 🔹 Extrinsic Value — value influenced by things like time and implied volatility And an option can be: ✅ Exercised ✅ Allowed to expire worthless ✅ Bought or sold in the market before expiration ⸻ 📈 THE 4 BASIC OPTIONS POSITIONS 🟢 LONG CALL You buy the right to BUY. You want the stock to 🚀 RISE significantly. Potential gain: Unlimited Maximum loss: Premium paid 🔴 LONG PUT You buy the right to SELL. You want the stock to 📉 FALL significantly. Potential gain: Substantial Maximum loss: Premium paid 🔴 SHORT CALL You sell the right to BUY. You want the stock to stay below the strike or decline, depending on the position. Potential gain: Limited to premium received Potential loss: Unlimited 🟢 SHORT PUT You sell the right to SELL. You generally want the stock to stay above the strike or rise. Potential gain: Limited to premium received Potential loss: Substantial ⸻ ⏳ HERE’S THE PART MANY BEGINNERS MISS… TIME MATTERS. ⏰ Time generally hurts long options because extrinsic value can decay as expiration approaches. ⏰ Time generally helps short options because the option can lose extrinsic value. And then there’s IMPLIED VOLATILITY (IV) 👀 📈 Higher IV → generally increases option premiums ➡️ Helps long options ➡️ Hurts short options Finally, direction matters. 🚀 A sharp move in the expected direction can dramatically increase the value of a long option. But for short options, that same sharp move can create significant risk. That’s why options aren’t simply about predicting whether a stock goes UP or DOWN. You also need to understand: ⏳ TIME 📊 VOLATILITY 🎯 STRIKE PRICE 📅 EXPIRATION 💰 PREMIUM And that brings us to the next chapter… 🔥 THE GREEKS. Delta. Gamma. Theta. Vega. If you understand these, you start understanding WHY an option’s price moves the way it does. 👇 SAVE THIS POST if you’re learning options, and follow along for the Greeks breakdown. ⚠️ Options involve substantial risk and are not suitable for everyone. This content is for informational and educational purposes only and is not financial advice. Do follow my account for more educative investment tips 🔥🔥🔥read more
Jeff Bezos's Amazon made a massive new $1.2 billion bet on XE, an outsized move that instantly became more than a quarter of the entire portfolio. Visit Bezos's profile to see his full portfolio and recent trades this last quarter from his 13F filing.
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! 🙏🏼 read more
🐝 Just broke down Nvidia's earnings in the Weekly Buzz and want to kick off a discussion post to hear your thoughts! 🚀 Overall, pretty wild results with a surprise 70% revenue growth projected for fiscal 2028 (well above the 45% expected), and that's the 'supply constrained' number. ✨ From a valuation standpoint, Nvidia is more attractive than it has been in years with a 28x PE ratio, and over 95% analysts tracking the stock have it rated as a strong buy. 😰 My one concern is what WSJ is calling the '$1.5T question Nvidia can't answer' which is basically that the massive AI spending needs $1.5T in revenue to justify the investments, with WSJ saying: “Ultimately, Nvidia and other AI chip makers are living on borrowed time. At some point, big spenders will reach a breaking point where their cash piles are smaller, and they’re unable or unwilling to raise more money from debt or equity investors. If AI turns out to be worth less than it costs, that is inevitable.” 🤔 Curious what everyone's thoughts are on that question, analysts don't seem too concerned but it's definitely something I've been thinking about a lot (both for Nvidia and Mag 7 in general). It's part of the reason I recently sold $META, as unlike some of the other Mag 7, I find the ROI on their AI spending much less clear. 🏆 In any case, Nvidia showed once again why it deserves it's spot as the most valuable company in the world and proved that AI demand is hotter than ever 🔥 👇 Will link my full breakdown in the comments read more
I got a really good comment on the last post asking for some more fundamental clarification on the terms. I actually think it gets right to the heart of why this stuff is easy to mix together, so it is probably worth slowing down and making the distinction more concrete. ⠀ Yield is how much cash the portfolio distributes relative to its value. If a $100,000 portfolio pays $5,000 in dividends or distributions over a year, that is a 5% yield. ⠀ Total return includes both the distributions and the change in the value of the investments. If that same portfolio pays $5,000 in distributions and also rises $7,000 in value, the total return is 12%. ⠀ Withdrawal rate is how much of the portfolio you actually consume. If you receive $5,000 but spend only $2,000 and reinvest the other $3,000, your withdrawal rate is 2%. ⠀ Those three numbers are related, but they are not interchangeable. ⠀ This is where the percentage of distributions being reinvested can become misleading. Saying “I spend half my dividends and reinvest the other half” might sound conservative, but the reinvestment percentage alone does not tell us the withdrawal rate. We also need to know the yield. ⠀ If a $100,000 portfolio yields 10%, it distributes $10,000. Spend half and reinvest half, and you are withdrawing $5,000, or 5% of the portfolio. ⠀ If another $100,000 portfolio yields 20%, it distributes $20,000. Spend half and reinvest half, and you are withdrawing $10,000, or 10% of the portfolio. ⠀ Same reinvestment rule, but one portfolio has a 5% withdrawal rate and the other has a 10% withdrawal rate. That is why the percentage being reinvested is not really the variable we want to use to judge how conservative the spending is. ⠀ The comment also brought up another intuitive way of thinking about this: reinvesting enough of the dividends to keep buying additional shares, with the idea that continuing to add shares helps keep the portfolio sustainable. ⠀ There is nothing wrong with that as a personal accumulation milestone, but let’s put some numbers around it. ⠀ Suppose you have a $5,000 position that distributes $500 over the year, so the yield is 10%. You spend $300 and reinvest the remaining $200. If the shares happen to cost $200 each, that reinvestment buys exactly one additional share. ⠀ So now we know: Shares purchased from distributions = 1 Withdrawal rate = 6% Total return = ??? ⠀ We have successfully added another share, and we can calculate that $300 of spending from a $5,000 portfolio is a 6% withdrawal rate. But we still do not know whether that 6% withdrawal is sustainable because we have not answered the total return question. ⠀ If the strategy is generating a sufficiently high total return with an acceptable level and path of risk, perhaps that withdrawal can be supported. If its total return is substantially lower, buying another share with part of the distribution does not fix that problem. ⠀ That is the part I think can get lost when we focus on the number of shares or the percentage of distributions being reinvested. Both can be useful ways to organize your cash flow, but neither tells us how much economic return the portfolio actually generated. ⠀ A distribution is not automatically a return. A portfolio can distribute 10%, 15%, or 20% without generating a 10%, 15%, or 20% total return. ⠀ So the cleaner way I think about it is that yield tells you how much cash was distributed, withdrawal rate tells you how much of the portfolio you consumed, and total return tells you how much the investment actually earned. ⠀ Reinvesting more can absolutely reduce your withdrawal rate, and buying additional shares can be a perfectly useful accumulation goal. But neither one answers the sustainability question by itself. ⠀ For that, we still eventually have to ask the same two questions: How much of the portfolio am I withdrawing? What total return and risk is the portfolio producing?read more
$ZETA reached $30 so I trimmed some profits. Saw a lot of profit taking the last few weeks so had to get in on the fun. Gonna keep holding my position here. Zeta Global Holdings Corp. operates an omnichannel data-driven cloud platform that provides enterprises with consumer intelligence and marketing automation software in the United States and internationally. The company operates Zeta Marketing platform, a single platform designed to enable enterprises to acquire, grow, and retain consumer relationships more efficiently and effectively than alternative solutions. It also provides Zeta Messaging, an email service provider, offering end-to-end AI-powered omnichannel messaging capabilities, as well as integrated data management, enterprise-scale delivery and support, and sophisticated omnichannel orchestration. In addition, the company offers Zeta Consumer Data platform (CDP+), a system of record for all consumer information, delivers a single, actionable view of customers and prospects that include real-time identifiers and signals, as well as other key attributes; and Zeta's DSP helps customers to maximize the power of paid media to engage the right audiences with precision and efficiency, as well as delivers experiences via desktop, inbox, mobile, CTV and social, and others. Further, it operates Athena by Zeta, an interface to Zeta's AI-native infrastructure layer and intends to power all intelligent decisioning, automation, and user interaction; and Zeta Answers that synthesize trillions of behavioral signals into intent-based scores tied to a unique individual. The company has a strategic partnership with Palantir Technologies Inc. for the development of enterprise AI infrastructure layer that connects operational intelligence, customer intelligence, and marketing execution. The company was incorporated in 2007 and is headquartered in New York, New York.
Reached a gain goal with $LNG so I took some profit. Threw it into some newer positions. Would throw money back in around 220. Cheniere Energy, Inc., an energy infrastructure company, primarily engages in the liquefied natural gas (LNG) related businesses in the United States. The company owns and operates the Sabine Pass LNG terminal in Cameron Parish, Louisiana; and the Corpus Christi LNG terminal near Corpus Christi, Texas. It also owns and operates the Creole Trail pipeline, a 94-mile natural gas supply pipeline that interconnects the Sabine Pass LNG Terminal with several large interstate and intrastate pipelines; and the Corpus Christi pipeline, a 21-mile natural gas supply pipeline that interconnects the Corpus Christi LNG terminal with interstate and intrastate natural gas pipelines. In addition, the company engages in the LNG and natural gas marketing business. Cheniere Energy, Inc. was incorporated in 1983 and is headquartered in Houston, Texas.
Warsh came across hawkish-leaning, short-term yields moved higher, but the market hasn’t tumbled. My portfolio went from a much uglier red open to about -0.75%, with $MU actually turning green while names like $MRVL, $COHR and $CRDO bounced off their lows. What I did: - Trimmed 2 $AVGO - Added 3 $KLAC - Added 3 $MRVL - Added 1 $CLS - Added 10 $CNQ (USD) - Added $200CAD$CNQ (TSX) - My $MSTR stop triggered on 10 shares at $132, so I’m holding 20 sh What I’m watching now: $KLAC, $COHR and $MRVL for continued institutional buying on weakness. The interesting part is that broad funds are seeing outflows, but selective AI/semiconductor names are still showing strong inflows. Are you buying this dip, holding, or waiting for more clarity? read more
Honestly, even though the price tag on the deal looked really stupid for many years Salesforce seems to have struck gold with the Slack acquisition years later On top of all the data and workflow synergies they realized with this acquisition making core CRM stickier Net New Annual Order Value (NNAOV) grew at its fastest pace this quarter off the back of Slackbot growing 150% quarter over quarter In plain English: Slackbot, and by extension Slack is one of the first clear instances of REAL, material AI inside of software, and this is likely just the beginning $CRMread more
Thanks, Altria, for increasing your quarterly dividend to $1.11/share, a 4.7% increase. With my original tranche purchase at $15.99, my 1st tranche simple dividend yield-on-cost is now ($1.11*4)/$15.99=27.8%. Moreover, the large tranche I bought in late December, 2023 is now exhibiting ($1.11*4)/$40.19=11% simple dividend yield-on-cost. Altria has been one of my best investments of all time. (Disc: I'm long $MO. Not investment advice.) https://investor.altria.com/press-releases/news-details/2026/Altria-Increases-Quarterly-Dividend-to-1-11-Per-Share/default.aspx
Everyone wants “passive income.” Most people build yield traps instead. If you want dividends that help you sleep, focus on quality and growth, not just the biggest yield. 🧠 The Core Idea Two main approaches: 1. High yield now – big payout today, slower growth, more risk 2. Dividend growth – lower yield today, faster growth, more sustainable Long term, dividend growth often wins: payouts can outgrow inflation and prices tend to be more stable. 🇺🇸 US Dividend ETFs Dividend growth core: • $SCHD – quality US dividend payers, low fee • $VIG – companies with a history of raising dividends, more growth, lower yield Higher yield (more sector risk): • $VYM – broad US high-dividend stocks • $FDVV – high yield with a quality screen Simple US income tilt: SCHD + VIG or SCHD + VYM. 🇨🇦 Canadian Dividend ETFs Quality focus: • $XDIV – low fee, quality Canadian dividend growers Higher yield: • $VDY – broad Canadian high-dividend (banks & energy heavy) • $XEI – very popular, high yield, still broad within Canada • $ZDV – quality-screened Canadian dividend payers Simple Canadian tilt: XDIV + VDY or XDIV + XEI. How to Use These 🧱 • Core equity: broad ETFs like $VTI / $VOO / $XIC / $VFV / $XEQT / $VEQT • Dividend sleeve: add 1–2 of the ETFs above as a tilt, not your whole portfolio Keep your portfolio diversified across regions and sectors. Red Flags ⚠️ Be careful if: • Yield is huge but dividends don’t grow • Portfolio is dominated by one or two sectors • Dividends get cut often or rely on “special” payouts High yield without quality = income that shrinks and prices that don’t recover. 💡 The Takeaway Don’t ask: “Which has the highest yield?” Ask: “Which can grow income safely over 10+ years?” A simple combo like: • US: SCHD + VIG • Canada: XDIV + VDY or XDIV + XEI can give you rising income and fewer surprises. read more
I was at Blossom Con this weekend, and one of the panel conversations that really stuck with me was when @brandon talked about how he eventually sold all of his individual stocks and moved into index funds. Even during a chat with @bdinvesting said he was close to 60% index funds now himself That honestly says a lot. Here are two people who spends time around investing, stocks and the markets and even they decided that keeping things simple made more sense to a degree. It reminded me why I invest the way I do. There is no need to find the next 10x stock, or trying to predict the next crash.You don't need to constantly figure out which company is going to outperform. I've been investing for a decade now and i'm not completely against individual stocks either. I still own some myself but roughly 90% of my portfolio is ETFs because building wealth doesn't have to be exciting. The goal isn't to become the best investor in the room. It's to become financially independent. What's your portfolio mostly made up of individual stocks or ETFs?read more
$ZETA HITS $30 LFGGGG CONGRATS TO EVERYONE WHO HAS BEEN BUYING THIS STOCK - I STILL BELIEVE THIS IS ONLY THE BEGINNING Remember: you can borrow a thesis, but you can’t borrow conviction. DYOR!
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
