Crazy to think that back in 2020, I honestly had no idea what I was doing with my finances( happily sitting in a Chequing account). I wasnt thinking about budgeting,asset allocation, investing consistently, tax advantaged accounts, diversification or even the power of compounding. Fast forward to today, and Im still learning but Im much more intentional about where my money goes and why. Seeing Wealthsimple show me in the top 10% of clients in my age group (35- 39) was honestly a pretty cool moment. Not because I think Ive "made it!!!" Quite the opposite. It reminded me that small, consistent improvements can add up. Financial literacy isn't something you magically wake up with. You learn it. You make mistakes. You ask questions. You change your habits. You keep going. And sometimes you look back and realize: "Wait… maybe I'm actually doing something right." I'm nowhere near where I ultimately want to be, but I'm proud of the progress. Goal never was to compare myself to everyone else. The goal is to become financially better than the person you were yesterday. 2021 me would probably be pretty proud of 2026 me.🥹 And 2031 me better be even more proud. Keep learning. Keep investing. Keep building.read more
📊 Long-Term Investing: The Power of Thorough Analysis When it comes to long-term investing, understanding the fundamentals of a stock is crucial. It’s not just about jumping on trends; it’s about making informed decisions based on solid data. This chart breaks down the essential financial statements—Balance Sheet, Income Statement, and Cash Flow Statement—that every investor should analyze before committing to a stock. 🔍 Balance Sheet: This tells you about the company’s financial health, specifically its assets, liabilities, and equity. A healthy balance sheet is a sign of stability and resilience. 💸 Income Statement: This shows the company’s profitability by detailing revenue, expenses, and profits. A strong income statement indicates a company that’s generating profits, a key factor for long-term growth. 💰 Cash Flow Statement: This reveals how the company manages its cash, from operations to investments and financing. Positive cash flow is essential for sustaining operations and fueling future growth. By mastering these fundamentals, you can make smarter investment choices that stand the test of time. Remember, successful long-term investing isn’t about timing the market; it’s about time in the market, supported by thorough analysis. $VGT$TXN$QQQ$AAPL$META #InvestSmart #LongTermInvesting #FinancialLiteracy #StockMarketAnalysisread more
As a Canadian citizen I’ve seen a pattern of cashless businesses and the majority of people who don’t carry cash. I thought of this as I see bitcoin and ethereum have gone up today. The problem with losing cash is everything will have a digital trail and could possibly be subjected to being tax. Example if you give the kid a cross the street cash for shoveling your driveway, that could be subjected to being taxed as that could be looked at as income. Also your currency is a symbol of your country. The know this is a down hill battle for cash but this is why I invest in cryptocurrency as if this becomes true then I can’t see this harming bitcoin and over forms of currency like bitcoin.
I don’t trust any investing strategy I haven’t tested against my own panic. 😅 Turns out there’s science behind that instinct. Kahneman and Tversky found that losses hit us roughly twice as hard as equivalent gains feel good. So when the market drops and you feel like it’s the end of the world? That’s not drama, that’s your nervous system doing exactly what it’s wired to do. Here’s the part nobody tells you: the “perfect” portfolio on paper is worthless if you can’t actually hold it. I’ve watched people build beautifully optimized portfolios, then sell everything the second things got scary, locking in losses right before the recovery. The math was right. The human wasn’t ready. So now I ask a different question before investing in anything: not “what’s the highest return?” but “can I actually sleep at night holding this?” Your body answers that faster than any risk questionnaire. Tight chest, checking your phone every 20 minutes, that’s not weakness, that’s information. 🫀
Last thing - I’ll have to adjust the risk for the current volatility in the markets, at least until these momentum runs on USD and JPY pairs are over. Also, since the account is down from 1.1M to 700K, I’ll have to use smaller risk per trade than before, to account for risk management. I’ll be basically just keeping stops a bit tighter to take us out quickly if trades start to lose, but I’ll still extend the profit targets to reasonable levels based on the daily/weekly time frames. Will cover this in the YT video today!
Want to respond to @ronan's feedback yesterday (and the feedback in the comments) with my own post so my response doesn't get lost in the thread Will start my saying I hear the concerns and am taking them very seriously and this is something I take personal responsibility to fix. I really appreciate everyone taking the time to write out their thoughts and see a ton of passion from everyone in solving these issues. As @ronan mentioned, Blossom has always had a spark and uniqueness and it's our job to make sure that spark doesn't go away as we grow. Here's my summary of the top problems I'm hearing and my plans to fix them: 🤖 1. The rise in AI slop posts crowding quality content - This was the #1 problem raised across the comments and is one we're actively working on. We're following @jacobb's suggestion of an 'AI detection' feature with the ability to see less posts like this. This is set to go live in 3-4 weeks, will see if we can accelerate this 😢 2. Us vs them mentality, hostility especially to new creators - This one is a bit tricky as we don't want to overly police what people say. But there's one example someone gave of a new user being called a loser that are blatantly against our community guidelines of respecting one another. I think the same way we've built in spam/scam detection, we need to do the same for these kinds of comments so we can uphold these guidelines better 🏆 3. Too many milestone posts crowding out quality content - I think there is an important place on Blossom for this kind of content as the milestones are encouraging to other investors in their journey (including myself). I think the issue more so is the volume of them. Curious for folks feeling this issue whether they've tried clicking 'see less posts like this' as that should fix this issue. If not I'll investigate and perhaps not a lot of people know about this feature. I think #1 and #3 stem both stem from the feeling that quality content isn't being rewarded... let me think deeper about how to solve this problem more broadly as I definitely see this too and I don't think fixing AI slop will fully solve this. One commitment I have is to spend much more time connecting with and chatting with Blossom's creators, I want to solve this problem as much as you guys do. One good news is we recently hired our first product manager (who is a Blossom shareholder and creator) who will be fully dedicated to helping me solve this and together we'll have much more time to chat with your all and think about how to solve these problems. 🙏 Let's get Blossom back to the glory days of this community!read more
Cathie Wood's ARK disclosed a $765 million position in SpaceX, bringing the private space company to nearly 5% of the portfolio. This comes as Wood cuts Teradyne by 48%, banking a 347% gain on the semiconductor testing stock. Visit Wood's profile to see her full portfolio and recent trades this last quarter from her 13F filing.
Distribution yield tells you how much cash the fund is paying you. It does not tell you how much money the fund actually earned. Income investing is not a new way of investing, and while today's covered-call ETFs are relatively new products, the financial engineering behind many of them is not. Leverage, derivatives, managed distributions and return of capital have been used by investment funds to enhance or maintain distributions for decades. Going back to the late 1990s, when I first entered the investment space, there were already funds paying double-digit distribution yields. And the same argument people have today about high yield distribution they were having then. Though they were far less vocal as it wasn’t as easy to converse with as many people all at once. The fascinating part is that most people understand this concept perfectly when you remove the investment fund from the equation. If you ask someone whether they can spend more money than they earn without eventually depleting their savings or taking on debt they understand that. Like if your household earns $80,000 a year but spends $120,000 every year, that extra $40,000 has to come from somewhere. You can sell stuff, withdraw savings or borrow money, but none of those things magically turn an $80,000 income into $120,000 of sustainable income. Yet put that exact same concept inside an investment fund and suddenly people seem to struggle with it. A fund can absolutely pay out more cash than it earns. What it cannot do is create economic return out of thin air. @karyungtom had a well written article on this point I encourage people read it. https://www.blossomsocial.com/posts/High-Yield__POST-1787186691972-RSs7aPx2_t00uBlccemcq8jzT?commentId=COMMENT-1787188693133-kl9V1UcW-45z9lALx4jh3jnD8_POST-1787186691972-RSs7aPx2_t00uBlccemcq8jzT&parentId=POST-1787186691972-RSs7aPx2_t00uBlccemcq8jzT&parentType=POST read more
The other day @paulsantori commented on a post of mine talking about taxes and it got me thinking....How many times do we actually get taxed on the same money? I earn income → pay income tax. I buy a house → pay property tax every year. I buy something → pay sales tax. I take my family out for a meal -> more taxes I invest → potentially pay tax on dividends, interest or capital gains. I drive → pay taxes built into fuel. Buy a new car = taxed, buy a luxury car = taxed even more. It feels like the same dollar gets taxed over and over as it moves through the economy. Obviously, taxes pay for the services and infrastructure we all use. I’m not arguing that taxes shouldn’t exist. But it’s still pretty crazy when you stop and think about just how much of your income never actually makes it into your pocket or stays there.... Earn it. Taxed. Own it. Taxed. Spend it. Taxed. And then we wonder why building wealth takes so long. Rip to all those Etfs that I could've bought instead lol read more
Congrats, $SCHD, on reaching another new all-time high today! What an amazing ETF. Even more amazing that the ETF gave us SO MANY months of opportunity to buy at discounted levels, and I feel thankful for those months when I aggressively accumulated at low prices. (Disc: I'm long $SCHD. Not investment advice.)
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
If you have been in the passive income space for any amount of time, you will inevitably run into someone saying they do not care about NAV because they are an income investor. Before getting into that argument, there is something worth pointing out because people sometimes use the term NAV when talking about their own portfolio. Your personal portfolio value is not really NAV. It is your capital, account equity or portfolio value. NAV, or Net Asset Value, is an accounting term used for a fund and represents the value of the fund’s assets minus its liabilities, usually expressed on a per-share or per-unit basis. When someone says “I don’t care about NAV, I’m an income investor,” what they usually mean is that their primary objective is the cash flow the investment produces. They are not necessarily concerned about maximizing capital appreciation or watching the market price move up and down every day. Where the argument becomes counterintuitive is that NAV is part of what supports that future income stream. The fund is using its underlying assets to generate returns and ultimately make distributions to shareholders. If that asset base is being persistently depleted because the fund is distributing more than it is economically earning, eventually there is less capital available to generate future returns and distributions. Saying you do not care about NAV at all is very different from saying you are willing to accept some NAV volatility because income is your primary objective. You can absolutely be an income investor and prioritize cash flow. But completely ignoring the value of the underlying assets producing that cash flow is where the problem starts. If a fund’s NAV is declining over time and that eventually results in lower distributions, ignoring NAV is going to create long-term problems. Income investing still requires the investor to monitor NAV and understand whether the fund is preserving enough of its asset base to support that income through different market cycles. In addition, this is where some people get mixed up between managing the fund’s NAV and managing their own capital. As an investor, you cannot personally repair a fund’s NAV. Other than choosing not to invest in the fund, selling it, or reducing your exposure, the NAV is controlled by what happens inside the fund. What you can manage is your own capital. If a fund chooses to overdistribute, it is effectively transferring some of that asset value out of the fund and into the hands of shareholders. The shareholder then gets to decide what to do with that cash. They can spend it, invest it somewhere else, or reinvest it back into additional units of the same fund. But reinvesting that distribution does not replenish the fund’s NAV. It increases your personal share count and may increase the amount of income your account generates, but it does nothing to restore the NAV per share that was lost. Those are two completely different things: the fund manages NAV, while the investor manages their own capital. read more
Beskar Capital thinks one of these two stocks will win the (larger cap) stock of the decade. Between these two -who do you think it will be ? If interested, place your VOTE in a comment below! This is the Way! 🏄♀️🌊🏄♂️🌊🏄🌊
I was playing around with my original holdings and got exercised on a covered call. So I used the proceeds from that and sold a CSP to get back into the position. I guess it’s nice to collect some premiums along the way and raise my cost basis for future tax purposes.
There's still TIME! 😂 You just have to know how to read and listen to it. 🤓🧠 If you are still looking for a place to lay your head, you may want to try here. Link in Bio. Natural selection is alive and well. 😐 This is the Way! 🏄♀️🌊
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.
Anthropic is preparing to file publicly for its IPO as soon as the end of this month, per Bloomberg They expect to match or surpass the size of SpaceX’s $SPCX
One of the best parts about the Blossom community is how open everyone is sharing knowledge and experiences. To make things easier for anyone just starting their investing journey, here’s a simple glossary to help understand and simplify various terms. Common Terms: Dividend: A share of a company’s profits paid to shareholders, usually quarterly. Ex-Dividend Date: The cutoff date by which you must own a stock to receive its next dividend. ETF (Exchange-Traded Fund): A fund that holds multiple stocks or bonds, traded like a single stock. Covered Call ETF: An ETF that owns stocks and sells call options to generate extra income (higher yield, limited / capped upside). Earnings Report: A company’s quarterly financial performance summary. EPS (Earnings Per Share): A company’s profit divided by its number of shares. Market Cap: A company’s total value (share price × number of shares). ACB: The total amount you’ve paid for an investment, including the purchase price plus any fees or commissions. Book Value: The value of a company according to its financial statements (assets minus liabilities). Yield: Annual dividend as a percentage of the stock/ETF price. Liquidity: How easily an asset can be bought or sold without impacting its price. Volatility: The degree of price fluctuations in a stock or market. Index: A benchmark of stocks (e.g., S&P 500, Nasdaq, TSX). Bull Market: A period of rising stock prices and optimism. Bear Market: A period of declining stock prices and pessimism. False Breakout: When a stock’s price moves above (or below) a key level, making it look like a new trend is starting, but then quickly reverses back. P/E Ratio: Price-to-earnings ratio (stock price ÷ EPS), used to assess valuation. Blue Chip: Well-established, financially strong companies with a track record of stability. Diversification: Spreading investments across assets to reduce risk. Broker: A platform or firm that facilitates buying and selling investments. Limit Order: An order to buy/sell a stock at a specific price or better. Market Order: An order to buy/sell a stock immediately at the current market price. Bid/Ask Spread: The difference between the highest price buyers offer and the lowest price sellers accept. Dollar-Cost Averaging (DCA): Investing a fixed amount regularly to reduce the impact of market swings. Capital Gain/Loss: Profit or loss from selling an investment for more/less than its purchase price. IPO: When a company first sells shares to the public. Index Fund: A fund designed to mirror the performance of a market index. Short Selling: Selling borrowed shares, hoping to buy them back cheaper. Margin: Borrowing money from a broker to buy investments, which amplifies gains and losses. Margin Requirement: The minimum amount of your own money (equity) you must maintain in a margin account to open or keep a leveraged investment position. Margin Call: A demand from your broker to deposit more funds or sell assets because your account equity has fallen below the required margin level. Time Horizon: The length of time you plan to hold an investment before needing the money. Short horizons = more risk-sensitive, long horizons = more room to ride out volatility. Stock Split / Reverse Split: A split increases the number of shares (e.g., 2-for-1) while lowering the price per share. A reverse split reduces the number of shares (e.g., 1-for-10) while raising the price per share. Your overall value doesn’t change just the math. Long (Being Long): Buying a stock or asset because you expect the price to go up. Short (Being Short): Selling a stock you don’t own because you expect the price to go down, so you can buy it back cheaper later. TER: The total yearly cost of owning a fund, including the management fee plus other costs like administration, audits, and legal fees. MER: The annual cost that a fund charges for management (includes any leverage costs if used). Management Fee: A portion of the MER that goes directly to the fund managers for running the fund. Withholding Tax: A tax deducted on dividends/distributions from foreign investments (e.g., U.S. dividends to Canadian investors face a 15% withholding in TFSA/Non-Registered accounts). Total Returns: The full picture of an investment’s performance, including both price gains and dividends/distributions. CAGR: The average yearly growth of an investment over time. NAV: The price of one share of a fund (stock or etf) NAV Depreciation: When the fund’s share price goes down over time. Mutual Fund: A pool of money from many investors used to buy a mix of stocks, bonds, or other assets. Bond: A loan you give to a company or government, and they pay you back with interest. Asset: Anything valuable you own that can generate money. Portfolio: Your collection of investments. Option: A contract that gives you the right (but not the obligation) to buy or sell a stock at a set price. Future: A contract to buy or sell something at a set price on a future date. REIT: A company that owns real estate and pays investors income from rent. Alpha: A measure of how much better (or worse) an investment did compared to the market. Beta: A measure of how much an investment moves compared to the market. Sharpe Ratio: A way to see if returns are worth the risk taken. Hedging: Protecting your investments from risk. Rebalancing: Adjusting your portfolio back to your target mix of assets. FCF: Free Cash Flow Understanding these terms makes investing far less intimidating. If anyone feels other terms should be included, please share in the comments. I’ll update this post so we can build a complete beginner-friendly resource together! *Sorry tagged a few etfs for reach 🫣read more
You have $10,000 to invest today. You can only buy 3 stocks/ETFs and you have to hold them for 10 YEARS. What are you buying? 👇 I'd go $VOO, $QQQM, & $AMZN Let’s build a list of the best long-term investments on Blossom. 📈
Scarcity mindset is the default for most people because loss aversion is hard-wired. Abundance mindset is a trained skill. The investors who compound at high rates for decades are the ones who trained it! Scarcity protects you from catastrophic mistakes in the short run. It is useful when you have no margin of safety, high leverage, or a short time horizon. It is terrible for building wealth over 10+years. Abundance (properly applied) is what actually produces outsized results. The biggest fortunes in public markets came from people who stayed invested through 2008, 2020, and the 2022 bear market instead of fleeing to cash. They treated volatility as the price of admission for long-term growth rather than evidence that the game was rigged.. Stay Strong, Stay long in quality companies ✅ $AVGO$BLOX$BTC$TSLA$PLTR$HOOD$HOOW$GOOGL$MU$META$CRWV$NBIS
$AMD continues to quietly take CPU market share from $INTC. New Q2 data from Mercury Research: Desktop CPU share: nearly 35% vs. ~32% a year ago Mobile CPU share: nearly 29% vs. 20.6% Server CPU share: 34.5% vs. 27.3% And when looking specifically at AMD EPYC vs. Intel Xeon SP, AMD reached 46.4% unit share. AI GPUs get most of the attention right now, but the AMD story is much bigger than accelerators. Ryzen and EPYC continue taking meaningful share while AMD simultaneously builds out its AI platform. That combination is extremely powerful over the long term. read more
I don't know how people are still pronouncing $NVDA as "NUHvidia". It makes me visibly cringe every time I hear it. It's the same with people pronouncing $CBRS as "Sarah Brass", like come on, if the CEO and founders of the companies are pronouncing it a certain way, that's how it's pronounced. There are some things that might be tomAYto/tomAHto, but not this. If it's someone on the street who has only ever read it, fine, but someone who is a covering the company or going on the Schwab Network to talk about it, you think they would know by now or would have done an ample amount of research to get it right. It's not "NUHvidia", it's INvidia, even ENvidia is acceptable, because that's one of the origins of the name. Nvidia is from the latin "invidia", meaning "envy", also a double entendre for NV "New Version" when saving files. It's not CERAbrass it's CeREbras. If I am watching a video and someone says "Nuhvidia" or "Sarah Brass", I stop listening to what they're saying or find another video. Ok, rant over.
