Cloud momentum, AIโdriven upsell, partnerโled scale, and a reset year of margin investment are reshaping the longโterm trajectory. Can $OTEX succeed? If you want the full breakdown โ tailwinds, headwinds, strategic outlook, and my conservative DCF valuation โ I just published a deep dive. https://divistockchronicles.substack.com/p/valuations-in-focus-opentext-fy26
Closed off all my positions before close. Project and prompt found in comments YTD performance +46.64% Last 3 months +22.21% Grok definitely outperforming $SPY and $QQQ Restarting next week with an optimized instruction set and a plan to increase the volatility. Might bench mark this against Claude + MooMoo connection.read more
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. Thatโs 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. Itโs 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. Iโve watched people turn into monsters. Make sure you have a will!!!! or people will fight. ๏ฟผ I know most people hate thinking about their death or their spouses death but honestly itโs just a fact of life. Iโve personally been the executor of 2 estates now. This is my advice: 1. If your young get life insurance. If youโre retired itโs 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 youโre 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 doesnโt have to go through the estate. 7. If youโre married, both people should have their name on all the vehicles, joint, otherwise itโs 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 ๏ฟผwill (or the location of your will), ๏ฟผ 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 youโre married, Iโd 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 Iโd avoid this as much as possible especially if youโre married. This is why having property in both peopleโs names is so important because it doesnโt 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 itโs up-to-date. If you are young and do not own much or canโt 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 youโre 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. ๏ฟผ Disclaimer Iโm 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 Iโll 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
Capital powerโs EPS missed look worse than the business because derivative losses, acquisition-related, interest and share dilutions have repeatedly distorted earnings report. However the concern is not entirely accounting noise, the cash flow has weakened and the leverage is elevated. What I am seeing right now is at 67$CPX is a fair value, but we have too see the AFFO-per-share and debt in Nov to see if it still deserves capital or rotation. Thoughts!? Next price target 57$ or 77$ first?
I invest money into ETFs each month, but Iโm always tempted to wait for a red dayโespecially a drop of 1% or more. The problem is that the dip might never come, and I could end up buying higher later. Do you invest immediately, spread your purchases out, or wait for a red day? Why?
Five retail earnings in three days. The American consumer goes on trial. $WMT (Thursday BO) is the anchor, Walmart sees everything: traffic, basket size, whether essentials are replacing discretionary. With credit card delinquencies at 13-year highs, this quarter either confirms the consumer is cracking or buys another quarter of hope. $TGT (Wednesday AC) gives the middle-income read. $TJX (Wednesday AC) tells you if shoppers are trading down to off-price. $LOW and $HD bracket the week with the housing and home improvement pulse. The name I'm watching Monday: $FN (Fabrinet, Monday AC), the optical manufacturing backbone of AI networking. Every high-speed transceiver connecting data centers runs through Fabrinet's factories. If AI infrastructure capex is real, it shows up here first. A beat with strong guidance is the cleanest confirmation of the buildout thesis. The wildcard: $KLAR (Klarna, Tuesday AC), first earnings as a public company. The BNPL model lives or dies on credit quality. If delinquencies are rising in Klarna's book, it's the earliest signal of consumer stress hitting buy-now-pay-later. $BABA (Thursday BO) closes the week with the Chinese consumer and cloud read, two things the market has been simultaneously ignoring and repricing. $FN confirms AI infrastructure or $WMT cracks the consumer narrative, which one moves your week more? ๐read more
On August 15th 1971 President Nixon took the U.S. Dollar off the gold standard and became the Petro Dollar Buy hard assets to hedge currency debasement $GLD $SLV $BTGD Land $BTCread more
$PLTR's revenue growth since September of 2021 is absolutely insane. As of its most recent earnings it has a compound annual growth rate of 40%! The last jump from Q1 to Q2 is also notable. In total cash and cash equivalents Palantir has 9.2 billion on its balance sheet, by quarter 3 this easily going to surpass $10 billion. I'm trying to get to 50 shares while I have the chance. Also, I love Fiscal.ai.
Just hit a cool little milestone in my portfolio: $90 in dividend income every single week. ๐ฐ Although I'm not going to retire off that, I was thinking about all the different things $90 can pay for, and it's a pretty long list. To name a few: - A couple tanks of gas - 2 trips to Juan's Flamin' Fajitas with my wife - Most of our weekly groceries (those usually end up between $80-$100 per week) It's cool to see the list of things my passive income can pay for continue to expand. It won't be long (hopefully) until this portfolio is averaging $400 per month, and soon after that, $100 per week. That milestone is going to be VERY cool. How much dividend income are you averaging every week? Let me know in the comments! ๐read more
I know this concept gets brought up as a joke sometimes, but I just had a serious conversation with a beginner about it, so Iโm inspired to offer some clarity. When people say covered calls have โcapped upside,โ I think two different ideas sometimes get mixed together. First, capped upside does not mean your entire portfolio return is capped. It refers to the upside of the underlying above the strike price during the life of the option. If you own something at $100, sell a call with a $110 strike and collect a premium, you can still benefit from the underlying rising from $100 to $110. Your return can be a combination of: Capital appreciation + option premium If the market moves sideways, the premium can help. If it falls modestly, the premium can soften the loss. If it rises but stays below the strike, you can participate in that rise while also keeping the premium. Itโs only once the underlying rises substantially beyond the strike that you start seeing the opportunity cost of the covered call relative to simply holding the underlying. I think this matters because otherwise โcapped upsideโ can accidentally turn into a strawman where people hear it as: โCovered call investors canโt benefit when stocks go up.โ That isnโt true. The second point is why many people still favour simply owning the underlying for long-term investing. If you own an asset because you believe it has substantial long-term appreciation potential, repeatedly selling calls against it means repeatedly creating periods where some of that upside can be surrendered in exchange for premium. Sometimes that trade works very well. Sometimes the premium more than compensates you for the upside you gave away. But over a long investing horizon, an asset that experiences large upward moves gives you more opportunities to run into that cap. That is the actual trade-off. โCapped upsideโ doesnโt mean no upside. It means you are getting paid a premium in exchange for agreeing to give up some upside beyond a defined point.read more
The advice I keep seeing on Blossom for young investors is that when you're young you can afford to take more risk, and in general I agree with that. Where it goes sideways is in how people put it into practice. Increasing risk usually turns into increasing concentration, and lately that means a few AI names or bitcoin/crypto. What concentration does is widen the range of what could happen to you, without paying you anything extra for it. You might hit it big and you might lose 80 or 90 percent of it, and both of those are very real possibilities. You could take your whole paycheque to a roulette table and put it on red. You have definitely increased your risk. But run that a million times and your expected return is negative, because the wheel has a green zero on it. Run a diversified basket of stocks a million times and your expected return is positive. Both are risky. Only one of them has something paying you to take the risk. Hendrik Bessembinder looked at 25,967 US stocks from 1926 to 2016 and found that only 42.6% of them beat one-month treasury bills over their lifetime, with just 4.3% of stocks accounting for all the net wealth created above T-bills. The median stock lost money. So when you concentrate, you're betting you're holding some of that 4.3%. The usual argument is that a 20 year old can afford to lose it, because there's plenty of time to recover. Personally I'd argue the opposite. If you're 20 and you lose $10,000, at 8% over 40 years that's about $217,000 you don't have at 60. That's the price tag on the bet, not ten grand. And most people are placing this bet inside a TFSA, which makes it worse. If you put $10,000 in and it falls to $1,000, you only get $1,000 of room back when you withdraw it. The other $9,000 of contribution room is gone for good. You can't claim the loss against anything either, since capital losses inside a TFSA can't be used to offset capital gains. I understand the appeal of treating it as bonus money and hoping you picked right. But if you buy something diversified and keep contributing, you put yourself in a good position without ever needing the home run.read more
$ZETA is up roughly 43% YTDโฆ And I still think the valuation looks pretty reasonable. Zeta is now worth around $7.3B. For 2026, management is guiding for roughly: - $1.82B in revenue, up 39%-40% - $405M in adjusted EBITDA, up 45%-46% - $255M in free cash flow, up 55% That puts $ZETA at about 4x 2026 revenue and 18x adjusted EBITDA. I know the stock has already had a great year, but when I look at the growth Zeta is still putting up, I just donโt think this valuation looks stretched yet. Still one of the more interesting growth/valuation setups I own. read more
I'm still at rock bottom, but here's hoping I can clean up and get some more ducks in a row before I get too old I'm already 40.5 and I got a ways to go
Got inspired by @matt.41 and @edsam to upgrade one of my calculators. You can now choose Monte Carlo (Statistical) as the simulation method and set the strategyโs: - Expected return - Volatility - Yield - which we keep constant, since I think thatโs what many people try to target and maintain This lets you see how much is being spent and reinvested. And if you want to see the implications of applying the "4% rule", you'd just set the expenses to 4% of your initial portfolio. https://karyungtom.com/monte-carlo-retirement-calculator/read more
I sold $QQQI + $SPYI month ago and move on to $QQQM , my dividend drop a lot but i donโt think i really need to build dividend at my age 26! Anyway im very happy to hit 350k today
Since so many people ask how to invest in this sector, or this country, or this asset, Iโve decided to make a comprehensive guide on how you can invest in specific areas. This is NOT portfolio advice, simply information about tickers that you can research yourself. Save this for later so you have a list of ETFs to come back to! Canada: $XIU$XIC$ZCN All expose you to the TSX in Canada. These ETFs consist of all top Canadian companies and access to our national stock exchange. $VCB$VGV$VLB$VAB$VSB$VSC$XBB$XCB Expose you to Canadian bonds; whether it be long-term, short-term, corporate, government, etc. $VDY$XEI$CDZ Expose you to Canadian dividend companies $XRE$ZRE$VRE Give access to Canadian REITs $ZEB$XFN$RBNK Lets you buy the Canadian banks USA: $VFV$ZSP$XSP$XUS$HXS Lets you buy the S&P 500 (learn about hedged vs. unhedged in my other post) $XQQ$HXQ$ZQQ All give you access to the NASDAQ 100 $IWR$VO$VOE$VOT$IJH$SCHM Lets you buy US Midcaps $IJR$IWM$VB$VBR$VBK$SCHA Lets you buy US Smallcaps $DIV$SPYD$RDIV$DHS$VIG$SCHD$VYM$DGRO$SDY Give access from small to high dividend US companies $VTI$ITOT Lets you buy the whole US market $TLT$IEF$VGIT$GOVT$SHY$VGLT Give access to US bonds $XLC$XLY$XLP$XLE$XLF$XLV$XLI$XLB$XLRE$XLK$XLU All give you access to each sector in the S&P such as financials, energy, healthcare, etc. International: $XEQT$FEQT$VEQT$ZEQT Give you an all-in-one exposure to Canada, US, emerging and global markets. $VEA$IEFA$SCHF$SPDW$EFV$EFA Give access to general international exposure $EWJ$EWU$EWC Gives direct access to developed international countries $INDA$MCHI$EWT$EWY$EWZ$EWW$EIDO$EWM Gives direct access to emerging international countries Assets: $KILO$PHYS$CGL Letโs you buy gold directly through ETFs $SVR$HUZ Let you buy silver through ETFs Savings/Interest: $CASH$HISA$PSA$HSAV Access to Canadian savings and interest payments $HSUV-U $PSU-U $HISU-U Access to US savings and interest payments Thereโs so many ETFs I didnโt go into with dozens of categories, but this should give you some basic starting point to look into your ETF investments. This is simply the starting point, when choosing your investments always research the ETFs, what they provide to you, their fees, your goals, your risk, and what youโre looking to get out of investing. As always do your research and happy investing! Subscribe to the newsletter: relatablefinance.substack.com read more
Hello tradevestors, I'm starting my "1 Stock Ladder Journey" this week, exclusively on Blossom Social. It was inspired by a trading challenge I came across, which motivated me to create my own version. Iโm starting with $100 - an amount Iโm comfortable experimenting with - to see how far I can climb. ๐ช The rules are simple: ๐ต Start with $100 only ๐ฏ Trade ONE stock at a time ๐ช Stock Ladder - Each new trade starts with the full balance from the previous one. ๐ No Fractional Shares - Iโll only trade whole shares for easier liquidation and choose stocks that minimize leftover cash. โน๏ธ This 1 Stock Ladder Journey is different from my regular portfolio. Instead of spreading my funds across multiple stocks, I am putting the entire Ladder balance into One stock at a time. Itโs an all-or-nothing challenge to see how high I can climb the ladder of growth. If it works well, I will incorporate a version of this strategy into my regular portfolio. No fixed target - just progress. ๐ Iโll take it month by month and keep climbing, one trade at a time. I'll post an update every Friday. Don't miss the climb. ๐ช Myra, The Weekly Tradevestor *For entertainment/educational purposes only. Not financial advice. $SPY$QQQ$VTIread more
This is why I love dividend investing! โค๏ธ Made almost $150 in cold hard cash today without having to lift a finger. ๐ฐ How much did you get paid this week? Let me know in the comments! ๐
If youโre avoiding high yield ETFs itโs because you worry about nav erosion. If youโre in them your biggest concern is still nav erosion. Hereโs the funds that wonโt erode no matter where you buy them. ๐งต๐ Also funds that wonโt erode depending on your entry. Avoiding erosion is a two front thing. Both factors need to check the box. The underlying needs to be bullish longterm. The highest certainty of that comes from the indexes. The strategy needs to also check multiple boxes. You need a strategy that avoids heavy upside cap. Heavy upside cap means you get all the downside of the underlying with limited upside. That created a chart that perpetually erodes. You want far out of the money covered calls or put spreads. If a fund is selling near the money covered calls for 60% yieldโฆ youโre going to have erosion unless the underlying goes parabolic. So what checks those boxes? $GPIQ & $GPIX track $QQQ & the S&P. They pay a modest 9-10.5% yield but get some of the highest nav growth in the space. That also leads to dividend growth. $OVL is 99% long $VOO. The 1% is collateral for put spreads. That means no capped upside with the 10.28% yield. It also has a near 7 year track record of beating the S&P. $QQQI & $SPYI sell monthly far out of the money covered calls on only a portion of the holding. Coming in at 14 & 12% yield they now have years of nav stable track record. Now hereโs the problem people run into. They assume you can buy these tier two funds below at any price. To maintain nav health you need to time entries. Thatโs my bread and butter but hereโs the thing. You donโt have to do that to have success. If you want to set and forget just stick to tier one funds. For tier two think funds like $CHPY$BLOX & $GIAX. With the correct buy points you end up nav green harvesting 24-40% yield. Thatโs an absolute game changer. Two people who buy the same fund can have two very different outcomes. That all depends on your entry point. Risk to reward is crucial here whereas the basic indexes can be bought at any price. This is why you need a plan and know what bucket each fund falls in. If you want pure set and forget stick to tier one. If you want a hybrid mix both tiers with the understanding that it will require active management.read more
Wrapping a strong week; markets closed out Friday still near all-time highs despite a couple of shaky data points. 1. The Records Keep Coming $SPX hit its 27th intraday record of the year on Thursday at 7,816, then closed Friday around 7,784, up 0.19% for the week. Nasdaq and Dow also notched fresh highs earlier in the week. Third consecutive weekly gain, the longest streak since May. $XLK remains the year's biggest driver, up 32.5% YTD. 2. The Consumer Cracks Friday brought two soft prints: July retail sales fell for the first time in nine months, and August consumer sentiment dropped to 51 from 55.2, the lowest read in months. Inflation worries and elevated oil prices are clearly weighing on household spending, even as headline inflation data cooled earlier in the week. 3. Friday's Movers $RDDT jumped 14% on momentum, $MU gained on AI optimism, $TMUS slid on a brokerage downgrade citing revenue risk. Oil ticked up too, adding a bit more pressure on the consumer story. The point is: The market's betting cooling inflation and AI capex momentum outweigh a tiring consumer; for now, that bet's winning. But three straight weeks of records on top of weakening retail sales is a gap that usually closes one way or the other. Heading into next week: are you trimming into strength, or riding the AI trade through any pullback? #MarketNews #ConsumerSentiment #RecordHighs #Investing2026read more
AppLovin is worth less than it was in late 2024. Yet, EPS is 186% higher today... Most literally, price and fundamentals have gone in completely opposite directions. Reminds me of the $GOOGL 2025 chart. $APP$APPS
If you could only buy one Mag 7 stock today which would you choose? $NVDA at $225 $MSFT at $495 $GOOGL at $345 $AMZN at $263 $META at $590 $AAPL at $305 $TSLA at $341 And why? At todayโs prices Iโm taking Meta ๐คทโโ๏ธ read more
8 months ago I out $AMD as my top buy since then it has gone up near 130%. But now it is definitely overpriced on this risky market. Me personally I am take some of my winnings just due to these crazy market conditions and going to rotate into other sectors like $SHOP and $CAKE as they have been very solid positions for me for a long time now? Opinions?
