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Blossom — Social Investing Community: Real Portfolios, Trades & Market Insights

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Jay @motivated_jay
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Beginner Investors · 31m

If you stuck & trying to decide between two stocks, it just means both are genuinely compelling. If you can't decide which will outperform, just split your capital between them..

This is a common way to lower single company risk

$SPY $ETH $BTC $QQQ $DIA
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8 views
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Twenty-five And Invested
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@25andinvested
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Community · 🔥 Hot

SOME FISH
So ive been looking at cheap hobbies. For starters ive been going to the gym! best cheap hobby. Planet Fitness is 30$ for both my wife and I. You can bring a guess..... me, im the guess. so basically cut 30 in half. 15 a person, cheeeeeap.

I also picked up some fish. My friends didnt want them any more so I inherited a tank. got some Tetra, a few Guppies and a Barb also a Clown Plecko but I think my boy is dead (he isnt he just never moves)......

Not as cheap as I thought. I got a few filters. A 3 step water chemical program and a little flake food. All together $100 for at least a few months.

Having a few cheap hobbies is more fun for me then having 1 big one. One of these days I wanna have a big tank mabye breed some fish but untill then gotta prove to myself I wont kill everything I touch.....
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122 views
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Brad Brunton@bradbrunton
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Beginner Investors · ⭐ Featured

Summaries of some of my favorite investing Books 💯
For those who don’t have the time
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+1
291K views
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Kar Yung Tom
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@karyungtom

5d

Life Update
Outside of doing the podcast with Moe, I've just been chilling.

The house I bought for $680k in March 2024 is a townhouse. The unit on the other side just sold for $890k. As it turns out, I was NOT late to the party.

I'm looking forward to renewing my mortgage in March, hopefully bringing that monthly payment down. ;)

I've been nerding out with GPT and Claude on a variety of interests. They can do a lot more than just produce slop these days.

As for upcoming big expenses, I'm planning another cruise. Not sure where yet, but different members of my family have expressed interest in something centered around South America or South Africa. If you have suggestions, let's hear them!
1,064 views
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Lamar
linked brokerage badge
@aleitheia712
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Beginner Investors · 1h

Sam Altman Got Dissed
On CNBC, in an interview, Bradley Tusk just said, "It's hard for me to believe that Sam Altman cares about anything else but Sam Altman based on everything we've heard from the guy."

I burst out laughing, those are my exact thoughts on the guy.
18 views
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Jordan Collier
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@coveredcalletfinvesting
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Passive Income · 🔥 Hot

Obliterate The 9-5 With This One High Dividend ETF
If you could only have one high income ETF in your portfolio what would it be? For me I reveal exactly what that ETF is and give some context to the reasons why I’d only go with that. This ETF has been my longest serving holding.

https://youtu.be/QFvlEWdMMAI?si=YAVwrdXBxoC1QUqe
114 views
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Graham Stephan
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@grahamstephan
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Market News · 🔥 Hot

Stock Market Returns
Fun fact: The S&P 500 has gone up in the 12 months after every midterm election since 1946. Can it happen again?!
25K views
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Jesse Franklin@pinnaclewealth
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Personal Finance · 1d

What's one money habit that changed your life? 👇
706 views
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Marg C
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@oguma0318
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Community · 4h

Tesla Halloween mode 🎃
$TSLA

https://youtube.com/shorts/JpsWipXcheU?si=IR7xNY-GluwG0Lco
2 views
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The Market Matrix
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@themarketmatrix
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Community · 🔥 Hot

Hope everyone had a good Halloween morning with the fam!

If you didn’t for whatever reason, that’s why I’m here! Consider myself as your family, everyone is family here.

Here’s my Halloween costume this year.. nothing scarier than this 😳

Sorry Intel-ers!

(NJP)
INTC logo

-28.58%

0.0% held

426 views
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Beskar Capital
@beskar_capital
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Beginner Investors · 9d

How Are You Holding Up? 😜

Do you have a strategy to brave the volatility in a changing market?

If you have been following me for some TIME, you know that we expected 2025–2026 to be the years of highest volatility.

I don’t think you need me to provide any evidence of what is now a reality.
These are difficult TIMES to navigate financial markets, which can be brutal and merciless.

But the key is to adapt and survive as we use the real estate/banking crisis cycle as our survival roadmap.

Just today,based on KTS #114 we had to lock-in profits and exit another position in a long TIME favorite holding.. This is a period when cycle ignorance and unconditional optimism can be your undoing. 

This is now a period when we must accept what the market is telling us and position ourselves for what comes next.  No regrets!  Onward we march! 

Are you ready for what’s next?

If interested, we will again be reopening our membership……soon. 😉

I always give you my best! 🏆

This is the Way! 🏄🌊
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260 views
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Shael @nickel333
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ETFs · 4h

*EQT vs Cage ETF
Been looking more into the ETF side of my portfolio lately and $XEQT / $ZEQT is currently my main holding, but I’ve been reading about $CAGE and thought it was worth talking about….

$CAGE is an actively managed, all equity ETF from CIBC and Avantis. It provides global exposure with a tilt towards companies trading at attractive valuations and showing stronger profitability.

It also includes exposure to smaller-cap valuation stocks, which is interesting….

For someone like me with a long time horizon, I think the strategy is worth exploring….. Anyone else looking into it?

XEQT logo

-1.72%

0.0% held

CAGE logo

-1.66%

0.0% held

ZEQT logo

-1.74%

0.0% held

176 views
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Philippe
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@flipflopfinance
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ETFs · 🔥 Hot

Flip Flop Finance x Retail Rundown Podcast

Hey guys!!!

I had an amazing time chatting with @humbledtrader & @bdinvesting on the retail rundown podcast.

If you wanna hear us yap for an hour about the ups and downs of work, health, investing
& life tune in!


https://youtu.be/tNoNucq9Lsc
16K views
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Cole Delarosbil
linked brokerage badge
@investingwithcole
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Beginner Investors · ⭐ Featured

🚩 3 Red Flags to Watch for When Buying a Stock 🚩
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

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110K views
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Luis
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@luiyo
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Beginner Investors · 🔥 Hot

My three titans holding my portfolio above water today! 😎

$WMT $KO $SCHD
WMT logo

+1.61%

5.8% held

KO logo

+1.37%

4.3% held

SCHD logo

+0.45%

7.1% held

570 views
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Adriano Starinieri
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@adrian_pii
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Passive Income · 6d

PII Podcast #4: Overcoming Market Crash Fear
https://youtu.be/ctJWVFscTRQ
236 views
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Ranjan
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@ranjan2906
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Community · 4h

October portfolio performance
October lived up to its spooky reputation. Portfolio dropped 2.88% with many of the tech names including $META $COHR $LRCX $AMD $AMAT $AVGO taking a beating.

What shielded the portfolio a bit were healthcare names like $JNJ $ABBV $GILD and $REGN. Thats y I talk about benefits of diversification so much !!

I am happy that portfolio is still beating $SPY YTD!!

I feel there is more volatility ahead and looking forward to putting in some of my cash when stocks I want to own long term when they hit my price targets !!

✌️✌️

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META logo

-1.53%

1.2% held

COHR logo

-11.34%

1.6% held

LRCX logo

-6.01%

1.8% held

AMD logo

-10.88%

1.8% held

158 views
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Blenk
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@blenk0
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Banks · 5h

My IGM Theory
IGM has stake in several investment and wealth management companies. IG Wealth Management is their primarily financial advice angle. The main drawback of IG Wealth vs a competitor like RBC Dominion Securities or even just financial planners at RBC is that they lack the steady stream of potential clients.

Whenever a client at one of The Big 5 Canadian banks needs some sort of banking advice, if they have decent funds or are interested in meeting with a planner it is a seamless pivot. It requires minimal effort on both ends, the client gets to stay with the bank they are currently banking at and comfortable with. The bank gets to develop a deeper relationship with the client making them less likely to change banks, and create more business with the client.

This is the biggest advantage traditional banks have in the wealth management industry over other wealth management firms that are independent. This is also the case currently for IG Wealth Management, but will it always be? That is what I find interesting about IGM Financials increasing stake in WealthSimple.

As of right now IGM holds a 25.1% stake in WealthSimple. I believe that this is a strategic play; not only due to the fact that WealthSimple is a rapidly growing financial platform that is extremely user friendly and seems to be the go to among the young generation. I believe this is there way of getting that same flow of clients that The Big Banks have.

They already have software in place that gives you offers, or bonuses when you reach a certain amount invested. All it would take is partnering with IG Wealth Management more formally; for example, you hit 250,000 in your account, you get a notification to meet with a financial planner. Low stakes notification you can simply click not interested. However, some people will be interested, high net worth people do not typically have the time to manage their own investments. Maybe their account balance is getting higher than they are comfortable with managing solo. Maybe they have wanted to explore financial planning but don't want to deal with the headache of transferring funds into a traditional bank.

Wealthsimple is clearly trying to become a competitor to traditional banks, introducing everything from chequing accounts to investment accounts and personal lending. One of the final things they'd need to complete the building blocks is a Wealth Management arm.

This is just a theory I have no evidence to indicate that I am not just thinking out loud, nor any evidence of IGM having this in their plans. I just think this would be a very smart play.
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IGM logo

-1.44%

2.4% held

8 views
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Christopher J
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@cjs033
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Market News · 1d

Not my favourite colour. 😳
$VTI $VGT $XEQT
VTI logo

-1.38%

19.4% held

VGT logo

-3.57%

12.7% held

XEQT logo

-1.54%

17.7% held

1,356 views
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The Market Matrix
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@themarketmatrix
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Market News · 🔥 Hot

WILL YOU BE BUYING THE ANTHROPIC IPO..?

$500B in commitments, seeking around $1.5T valuation, $16.1B H1 revenue, $80.1B H1 net loss, gross margin went from 12% to 85% in just one year.

Nearly $240B in commitments with just $SPCX and $GOOGL haha..

$ANT

Will you purchase Anthropic after the IPO?

Yes! ✅

No ❌

After the dust settles

200 votes · 1d left

SPCX logo

-0.40%

0.0% held

GOOGL logo

-1.06%

0.0% held

QQC logo

+1.18%

0.0% held

QQQ logo

+1.11%

0.0% held

168 views
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Kevin Henderson@kev4hunnid
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Beginner Investors · 5h

Nvidia or Google for the longterm?

Caught in a pickle trying to decide if I should add NVDA or Google with this drop. The entry price I’m looking for is $190 and $260 for Google. Am I pushing it or should I just pull the trigger
NVDA logo

-4.22%

0.0% held

GOOGL logo

-1.40%

0.0% held

38 views
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Chantelle
@by.chantelle
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Girls Who Invest · 🔥 Hot

Sold NOW logo NOW @ $115.00
for a +13.86% gain
↓ position by 100%
3.06→0.00%
of total portfolio
Manually added
100% exit today
My thesis: back the companies turning AI spending into real revenue.

ServiceNow's AI sales are growing. But its outlook disappointed, and I think AI could hurt the core software business as much as it helps it.

When I'm less sure of the story, I'd rather free up the money than hope.

My own reasoning, not a recommendation. Capital at risk.
5,084 views
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Moe
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@moe_on_margin
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Community · 10d

What Happened to the AI Check tool
@maxstocks why did you guys remove that AI detection tool ?

Things are really getting out of hand with posts written 100% in AI (without fact checking or disclaimers) and now even the comments on them are also written in AI.

AI is talking to itself all over blossom.

Can I start a petition to bring the tool back ? 😅

238 views
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Kevin Henderson@kev4hunnid
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Beginner Investors · 5h

Went on a shopping spree in October😂🫠
Couldn’t help myself when fundamentals are still intact and strong but price is dropping due to geopolitical/ macro events
14 views
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Jesse Franklin@pinnaclewealth
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Dividends · 11h

Turn on DRIP. Let your money have babies.

Do you Drip dividends and distributions?
462 views
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LM @retiredyoung
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Personal Finance · ⭐ Featured

Preparing for the inevitable.
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.
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297K views
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Moe
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@moementumfinance
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Community · 14h

TRICK OR TREAT?! 🎃💰
It's Halloween, and while everyone else is worried about ghosts, goblins, and things that go bump in the night, @karyungtom and I are more concerned about something REALLY scary... 👀

💀 BAD FINANCIAL DECISIONS! 💀

We're getting ready for Episode 27 of Financial KarMoe, and we're opening the floor to YOU!

Got a burning question about investing, ETFs, $xeqt / $CAGE, retirement planning, taxes, the Smith Manoeuvre, leveraged investing, personal finance, or anything money-related?

Maybe there's a financial myth haunting you, an investing strategy that sounds too good to be true, or a money question you've been too afraid to ask. Now's your chance!

🧛‍♂️ Drop your questions in the comments below, and Kar and I will pick some/all to tackle in our next episode.

No question is too scary, no topic is off-limits, and no financial skeletons need to stay in the closet! 😂

🎃 Your mission: Give us your best financial TRICK or TREAT!

Let's make Episode 27 a BOO-ming success! 👻😛
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CAGE logo

-1.66%

0.0% held

XEQT logo

-1.72%

91.4% held

1,376 views
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Buythedip
@buythedipzw
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Memes · 8h

Happy Halloween! 🎃 👻
$AMZN $PLTR $NVDA $AAPL
AMZN logo

-1.41%

25.2% held

PLTR logo

-6.27%

5.7% held

NVDA logo

-4.22%

5.5% held

AAPL logo

-1.23%

26.5% held

234 views
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Blossom
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@blossom
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Market News · 1d

🐝 Daily Buzz: October 30, 2026
📊 Investors dumped tech into month-end. The Nasdaq tumbled 2.86% to 25,437.00 for its worst day since June, the S&P 500 slid 1.82%, the Dow lost 1.09% and Canada’s S&P/TSX Composite fell 1.74%, also its worst since June.

💻 Intel ($INTC ) tanked almost 29% on a weak current quarter outlook pointing to a PC slowdown. Revenue in its client computing and physical AI group fell 5% year over year to $8.1 billion.

👽 Reddit ($RDDT) cratered about 30% for its worst day since going public, even after beating with $1.40 per share on $895 million in revenue. CEO Steve Huffman said search referral traffic dropped by more than a million visits a week in October as Google expands AI Overviews, and fourth quarter guidance of $1.00 to $1.03 billion came in light.

💾 Sandisk ($SNDK) dropped 13% even after beating on fiscal first quarter results. The data storage company also announced an eight-for-one forward stock split.

💉 Regeneron ($REGN) jumped 11% on a big beat, earning $20.07 per share on $5.12 billion in revenue against the $16.42 and $4.56 billion FactSet consensus. It also lifted full year gross margin guidance to about 86%.

☢️ Cameco ($CCO) was the TSX’s biggest loser, sliding 9.6% to $105.40 after missing third quarter revenue estimates. Gold stocks fell 5.3% as a group and materials dropped 4.8%, with Canadian GDP flat in August and advance data pointing to a 0.1% decline in September.

🥇 Gold futures hit $3,946, their lowest since November 2025, and silver fell to $49.66, a low going back to that same month. Energy went the other way, with Chevron ($CVX) and ExxonMobil both closing at records on soaring third quarter profits.

👨🏻‍💻 Researched and written daily by @timemino
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Is the AI bubble bursting?

Yes

No

435 votes · 4d left

INTC logo

-28.58%

0.0% held

RDDT logo

-29.22%

0.0% held

SNDK logo

-13.47%

0.0% held

REGN logo

+13.33%

0.0% held

3,228 views
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Blossom
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@blossom
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Market News · 2d

🐝 Daily Buzz: October 29, 2026
📊 Earnings misses snapped a three-day run. The Nasdaq dropped 1.38% to 26,184.72, the S&P 500 slipped 0.3%, the Dow lost 0.25% and Canada’s S&P/TSX Composite finished flat at 0.04% lower.

🔍 Alphabet ($GOOGL) lost 12% after missing on adjusted earnings and revenue, posting negative free cash flow of $9.07 billion. The Google parent held its full year capex forecast at $195 billion to $205 billion.

🚜 Caterpillar ($CAT) slid more than 9% for its worst day since March 2020. The industrial beat on both lines, but construction industries sales came in slightly under estimates.

💊 Eli Lilly ($LLY) rose 6.63% to $1,373.70 on $24.4 billion in revenue driven by Zepbound and Mounjaro. The drugmaker lifted 2026 revenue guidance to $91 billion to $92 billion from $85 billion to $87 billion, pushing the S&P healthcare sector to a record.

⛏️ Alamos Gold ($AGI) tumbled around 9% to lead TSX decliners as costs swamped a record gold price. Adjusted earnings of $0.44 per share missed by a penny and revenue of $510.4 million came in under the $529 million expected, with all-in sustaining costs at $1,956 an ounce.

📦 Amazon ($AMZN) plunged more than 7% after hours on a miss, with earnings of $1.89 per share against $1.96 expected and revenue of $201.94 billion versus $202.31 billion. Free cash flow was negative $42.4 billion over the trailing year, up 386%, on AI spending.

👨🏻‍💻 Researched and written daily by @timemino
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Alphabet and Amazon both missed and both kept spending billions on AI. Is the buildout running ahead of the returns?

Yes, the spending is outpacing the payoff

46%

No, it’s early and the returns are coming

54%

196 votes · 11h left

GOOGL logo

-12.64%

0.0% held

CAT logo

-9.25%

0.0% held

LLY logo

+6.63%

0.0% held

AGI logo

-9.10%

0.0% held

3,318 views
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Moe
linked brokerage badge
@moe_on_margin

10d

A Question to Guide Future Content
For those who’ve been following my content for a while (A big thank you BTW)… I’d love to know what your favorite series was, maybe like top 2-3 favorites.

You’d be helping me rationalize time spent one things that would give more value.

1) Unpacking the Buffet Letters
2) Why I Hold It
3) Hedge Fund Hunt
4) Hidden Gems of the Counter Cycle
5) Reading the Official Filings
6) Options Trading Unpacked
7) ETF deep dives
8) Blossom’s Most Bought (my humble beginnings 😅)

Appreciate every one of you who would be kind enough to comment with their top 3 to help give me feedback.

Thanks 🙏
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156 views
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Maxwell
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@maxstocks
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Community · 2d

⚠️ Scammer Warning! Plus new features coming soon
Quick flag that if you receive a dm or see a comment from 'Blossom support' it is a SCAM! Please report it and our customer support team will delete it and we're working on a fix to block these proactively which will be live tomorrow

Re. @trevorheslopinvests's post "weird dms sharing posts" - this is actually not a scam, but was the result of when you long press the share button it sends a post (a bug on our end). The fix for this is now live when you update Blossom on the app store (thanks everyone for flagging this)!

😎 In addition to these fixes, lots of other cool updates on the way that I can't wait to share with you all! As a sneak peak here's the mock-up for a community leaderboard we're working on to help showcase the top Blossom creators each week - https://blossom-mvps.netlify.app/

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Russ Knopf
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@rustyram78
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Community · 🔥 Hot

What’s that sound?
The “AI bubble” popping?

👉Fun fact: nobody knows, so check back in a decade and you’ll know for sure!
2,576 views
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Moe
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@moementumfinance
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Personal Finance · 2d

Investing with your Home Equity 🏠
The Smith Manoeuvre sounds straightforward in theory, but what does it actually look like when you're doing it with your own money? This weekend I had a chance to have a follow-up conversation with Kyle (@kgcottawa) who similar to me has been implementing the Smith Manoeuvre. We each share an update on our Smith Manoeuvre portfolios and get into the practical details of how we're managing the strategy. We show our real numbers, talk about how much we've borrowed and invested, and discuss what's changed since our last conversation. Kyle's portfolio is approaching $192K, while my portfolio is around $243K, with roughly $143K in borrowing behind my Smith Manoeuvre investments.

We also get into the mechanics that don't always get enough attention. How do we move money between our HELOCs and investment accounts? How do we handle the monthly interest, and when do we capitalize it? Kyle walks through his cash flow and mortgage prepayment routine, while I explain how I handle the interest slightly differently. We also discuss HELOC credit utilization, keeping the flow of funds clean, and why having enough financial breathing room matters when borrowing to invest.

One of the more interesting parts of the conversation is Kyle's decision about whether to withdraw around $36,000 from his TFSA to make a larger mortgage prepayment. We discuss the emotional appeal of owing less on the house versus the potential long-term tax-free growth of leaving that money invested. We also compare our thinking around fixed versus variable mortgage rates, talk about the risks of leveraged investing, and share what we'd want someone to understand before getting started.

If you're researching the Smith Manoeuvre, we also share some practical lessons and resources worth checking out, including Robinson Smith's book, Master Your Mortgage for Financial Freedom. This is an ongoing conversation about what we're learning as we implement the strategy, and we'll continue sharing updates as our portfolios and thinking evolve.

💬 We'd love to hear from you: Would you rather keep money invested in your TFSA or use it to pay down your mortgage faster? Let us know in the comments!

⚠️ Disclaimer: This video is for educational and entertainment purposes only and reflects our personal experiences and opinions. It is not financial, investment, mortgage, or tax advice. The Smith Manoeuvre involves leveraged investing and can magnify losses. Consider your own financial situation and consult qualified professionals before implementing a strategy like this.
https://youtu.be/fHS8UllupIQ
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Zain @zains
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Beginner Investors · ⭐ Featured

Beginner’s Guide to Stock Market Terms
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 🫣
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XEQT logo

7.0% held

HHIS logo

8.0% held

VFV logo

0.0% held

MSTE logo

7.9% held

ULTY logo

5.6% held

VOO logo

0.0% held

346K views
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Brandon Beavis
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@brandon
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Community · 2d

Things are about to get a little hairy at Blossom!
This November, we’re putting our money (and moustaches) where our mouths are.

Team Blossom is officially joining the Movember movement, and inviting the entire community along for the ride!

Our goal? Raise $10,000 for men’s health, supporting mental health and suicide prevention, prostate cancer, and testicular cancer. But we’re not stopping at donations!

To make things a little more spicy, we’ve set up some fun fundraising challenges. From @maxstocks learning a KATSEYE dance, to mystery punishments, questionable moustaches, and a whole lot of chaos, every milestone unlocks something new.

The best part? EVERYONE can participate (women too!).

🥸 GROW A MO: Put down the razor and grow that glorious moustache.
🏃‍♀️ MOVE FOR A MO: Can’t grow a moustache? No problem! Walk, run, or get moving for men’s health. Track your activity through Movember and sync your progress to your Mo Space.
DONATE FOR A MO: Donate to a good cause and help us reach our $10,000 goal and unlock the next challenge!

📸 Post your progress photos throughout November and tag @meetblossomsocial on Instagram so we can share it along on our socials, bonus points if you're wearing Blossom merch!

JOIN THE BLOSSOM MOVEMBER TEAM OR DONATE:
 https://movember.com/t/blossom-social-team?mc=1

Because investing in your future means investing in your health, too.

Let’s grow something good. Together!
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Mr Financial
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@mr.financial
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ETFs · 3d

It's HYLD Question Time 🤓
Hamilton's $HYLD is a beast of a fund, just like $HDIV . After getting the communities questions to help form the structure of HDIV's deep dive, I thought ... I HAVE to do it with $HYLD too.

Since HYLD is a fund of funds and rather complex... here is what I am going to share (that way you don't ask what will be answered):
- Performance attribution of sorts
- Benchmarking w/ and w/o levereage
- volatility and drawdowns
- Fund history of changes
- Distributions
- ETF structure and total underlying holdings
- Concentrations
- Fund risks
- Total costs and long term affect on performance

What would you like to know about this fund? Is there something that's not obvious about the fund that you feel needs discussed?

As always, EVERYONE is more than welcome to pipe in with their personal questions. The more diverse group of investors with questions, the better and broader the deep dive will be😁 I'll be filming tomorrow after work, so if I miss your questions after then, my apologies.

As always, HAPPY investing everyone and let the questions FLY!!!!
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HYLD logo

+0.70%

0.0% held

HDIV logo

+0.26%

0.0% held

3,742 views
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BD Investing
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@bdinvesting
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Beginner Investors · 6d

Is it time to sell tech stocks?
2026 has been an exhausting year for growth investors.

Look at the $QQQ drawdowns this year:

March: -13.29%
June: -8.28%
July/August: -11.72%
October: -8.13% so far

Notice a pattern?

Almost every selloff has been driven by the same concerns. Expensive valuations, massive AI CAPEX spending, iran war ,inflation, interest rates and financing costs.

Different headlines, same fears.

What's frustrating is that many companies continue to report strong earnings and growth, yet their stocks keep getting punished.

The fundamentals can improve while valuations compress. That's been the story of 2026.

As investors remember this is the long game. Theres always a smart reason to sell, but stocks tend to go higher even with bad news.

Buy the dip & HOLD
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Mr Financial
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ETFs · 6d

👑 HDIV is the King…Until You Compare It Properly

18.97% annualized return since inception. A 10%+ yield. Amazing... It even beat the TSX 60, it’s benchmark!!! 🤯

So why did my analysis find that $HDIV UNDERPERFORMED a more comparable benchmark by 1.9% PER YEAR?

That’s because HDIV isn’t really comparable to an unleveraged TSX 60 total return index.

It has 1.25X leverage, significant concentration, much more tech exposure, US exposure, and a completely different portfolio construction....

And once I accounted for that, the “KING” narrative got a lot more complicated and well... you’ll see.

I went under the hood on EVERYTHING is could in less than 20 minutes, from the 1.75% current cost, covered calls, leverage, distributions, ROC, total number of underlying stocks (and even the effective number of stocks), risk, drawdowns, and all the changes HDIV has made since launch (you will be SHOCKED by that one)!

I also tried to answer as many of your HDIV questions as possible….

If I missed YOUR question, put it in the comments of the YouTube video pretty please. I’ll answer it there so everyone can benefit from the answer.

Here it is!!!
https://youtu.be/AWVSiutDV_M

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HDIV logo

-0.45%

0.0% held

6,274 views
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Trevor Heslop
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@trevorheslopinvests
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Analysis · ⭐ Featured

Question For Individual Stock Pickers🧐
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!
PLTR logo

-0.58%

15.6% held

SOFI logo

-0.85%

5.5% held

HIMS logo

+1.79%

5.5% held

NVDA logo

+1.87%

0.0% held

215K views
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