Blossom — Social Investing Community: Real Portfolios, Trades & Market Insights
Outperformed 98% of the Portfolios on this App! 🏆
..... and counting.........using one single KTS #2 Tool. 😂🤣
And I told you exactly how to do it about two years ago.
Seriously. Go check for yourself. Open your favorite accounts on this app right now and look at their all-TIME returns. I’ll wait.
Nobody’s close.
Most portfolios on this app? 😂🤣
In March 2024, I shared a simple ETF approach that could be used to READ, LISTEN to, and TIME the markets to achieve double-digit annualized returns. (KTS #2 – Follow the Sector.)
On April 29, 2024, I bought one share of $XME and one share of $XES as part of the “This Is the Way” series to demonstrate the application of KTS #2.
Here's yesterday's RE-POST of the original March 2024 post sharing the KTS #2 tool:
https://www.blossomsocial.com/posts/KTS-2-Follow-the-Sector-RE-POST__POST-1788528588432-2Vw4Cx2V_qoQV3QbaHcPIAvML
And here's the link to the "This is the Way" Series post:
https://www.blossomsocial.com/posts/This-is-the-Way-Series-1-KTS-2__POST-1714389509714-79HySrJi_qoQV3QbaHcPIAvML
Since April 1, 2025, these two subsectors have returned:
$XME: +110% 🏆
$XES: +75% 🏆
While $SPY returned only half of XES and one-third of XME for a measly +38%. 🤢🤮
You could have simply followed my second KTS post and outperformed…….everyone. 🤑🤑🤑
Think about all the TIME you’ve spent building your portfolio since that date? 🤔
Think about how you are juggling the daily ups and downs of economic data, concerned about whether you should be in …. or out of the SpaceX IPO. Is the semiconductor rally over? Is Crypto a buy again? Is the Fed going to raise or cut rates? The country’s debt is unsustainable!?!?!? Silver & Gold are back???? What’s Michael Burry thinking? What’s BlackRock buying? Are software stocks back for good? What’s going on in the Middle East? China and North Korea!?!?!? Russia-Ukraine??? Whatever happened to the ESG movement? Is TRUMP just saying shit to keep markets propped up until the midterms? And is the SpaceX IPO – at the highest level of understanding – just Elon Musk selling a new crypto coin to the Teachers’ Unions??? 🤣😂
You think this helps you. But does it? Does half of what you read really matter?
Maybe it’s interesting. Maybe you’d rather be catching every financial news development because it’s your passion. But is it necessary for portfolio outperformance? 🤔
The answer is no. No, it’s not.
That should be music to your ears! 😀😃😄😁🙂😊
There are even popular members of this community who preach spending 50–100 hours researching a single company before investing 😂🤪🫨😳🤣😆.
And their profile shows an all-TIME return of……………-1.65%! WTF!?!??
In the greatest bull market of their life 😂. Oh geez.
Keep it up basement boy - maybe you’ll get there one day? 😂🤣
Meanwhile……. successful investors step back to see the big picture.
They read the plan and the strategy we laid out. They see it playing out in real-TIME and are reaping the rewards of their intelligence – and got their weekends back. 😎
Answer this honestly. It’s April 29, 2024, and you get to run it again.
Door 1: Buy XME and XES, close the app, and go live your life for two years.
Door 2: Your “sophisticated” portfolio, your watchlist, your 100 hours of research, your swing trading. Blah, blah, blah, blah, blah!!! 😂
Which door do you walk through? 🤔 I’ll give you 5 minutes to digest that……even though it should only take you 5 seconds. 😂
Or maybe you’re buying XEQT, VFV and other passive funds?
Do you even know how just ONE measly percent of outperformance impacts your retirement age? 🤔😅
If not, read this:
https://www.blossomsocial.com/posts/Why-Outperforming-the-SandP-500-Index-Matters__POST-1712844746313-WeQtSmOp_qoQV3QbaHcPIAvML
Look at the chart attached and tell me which sector you would have wanted to own over the last 18 months. I’ll tell you what: my first pick wouldn’t be the line at the bottom (S&P 500), but that’s just me.
Wanna know the best part?
$XME and $XES have chopped sideways for most of this year (2026) building potential energy….and STILL beat virtually everyone on this app. Now wait until that coiled energy converts to kinetic energy! 🚀👩🚀😅😂🤑🤑🤑
And the party isn’t over.
I told you when I bought it..…and you had a 2-year window to enjoy my content for free and learn an alternative approach designed to outperform any type of market.
The ones who could recognize the true value and listen are now members because they understand that they can outperform for the rest of their lives by stepping back and reading the market instead of the news within the context of the real estate/banking crisis cycle.
They’re also the only ones who’ll know when $XES and $XME aren’t favored sectors anymore.
Always remember that I want you all to win!
But I can’t do it for you. You have to recognize for yourself that conventionalist propaganda will never allow you to outperform… and take the steps to change that.
Learn about membership here: https://www.beskarcapitalkts.com/
Natural selection is alive and well.
I always give you my best. 🏆
This is the Way! 🏄🌊
read more
And I told you exactly how to do it about two years ago.
Seriously. Go check for yourself. Open your favorite accounts on this app right now and look at their all-TIME returns. I’ll wait.
Nobody’s close.
Most portfolios on this app? 😂🤣
In March 2024, I shared a simple ETF approach that could be used to READ, LISTEN to, and TIME the markets to achieve double-digit annualized returns. (KTS #2 – Follow the Sector.)
On April 29, 2024, I bought one share of $XME and one share of $XES as part of the “This Is the Way” series to demonstrate the application of KTS #2.
Here's yesterday's RE-POST of the original March 2024 post sharing the KTS #2 tool:
https://www.blossomsocial.com/posts/KTS-2-Follow-the-Sector-RE-POST__POST-1788528588432-2Vw4Cx2V_qoQV3QbaHcPIAvML
And here's the link to the "This is the Way" Series post:
https://www.blossomsocial.com/posts/This-is-the-Way-Series-1-KTS-2__POST-1714389509714-79HySrJi_qoQV3QbaHcPIAvML
Since April 1, 2025, these two subsectors have returned:
$XME: +110% 🏆
$XES: +75% 🏆
While $SPY returned only half of XES and one-third of XME for a measly +38%. 🤢🤮
You could have simply followed my second KTS post and outperformed…….everyone. 🤑🤑🤑
Think about all the TIME you’ve spent building your portfolio since that date? 🤔
Think about how you are juggling the daily ups and downs of economic data, concerned about whether you should be in …. or out of the SpaceX IPO. Is the semiconductor rally over? Is Crypto a buy again? Is the Fed going to raise or cut rates? The country’s debt is unsustainable!?!?!? Silver & Gold are back???? What’s Michael Burry thinking? What’s BlackRock buying? Are software stocks back for good? What’s going on in the Middle East? China and North Korea!?!?!? Russia-Ukraine??? Whatever happened to the ESG movement? Is TRUMP just saying shit to keep markets propped up until the midterms? And is the SpaceX IPO – at the highest level of understanding – just Elon Musk selling a new crypto coin to the Teachers’ Unions??? 🤣😂
You think this helps you. But does it? Does half of what you read really matter?
Maybe it’s interesting. Maybe you’d rather be catching every financial news development because it’s your passion. But is it necessary for portfolio outperformance? 🤔
The answer is no. No, it’s not.
That should be music to your ears! 😀😃😄😁🙂😊
There are even popular members of this community who preach spending 50–100 hours researching a single company before investing 😂🤪🫨😳🤣😆.
And their profile shows an all-TIME return of……………-1.65%! WTF!?!??
In the greatest bull market of their life 😂. Oh geez.
Keep it up basement boy - maybe you’ll get there one day? 😂🤣
Meanwhile……. successful investors step back to see the big picture.
They read the plan and the strategy we laid out. They see it playing out in real-TIME and are reaping the rewards of their intelligence – and got their weekends back. 😎
Answer this honestly. It’s April 29, 2024, and you get to run it again.
Door 1: Buy XME and XES, close the app, and go live your life for two years.
Door 2: Your “sophisticated” portfolio, your watchlist, your 100 hours of research, your swing trading. Blah, blah, blah, blah, blah!!! 😂
Which door do you walk through? 🤔 I’ll give you 5 minutes to digest that……even though it should only take you 5 seconds. 😂
Or maybe you’re buying XEQT, VFV and other passive funds?
Do you even know how just ONE measly percent of outperformance impacts your retirement age? 🤔😅
If not, read this:
https://www.blossomsocial.com/posts/Why-Outperforming-the-SandP-500-Index-Matters__POST-1712844746313-WeQtSmOp_qoQV3QbaHcPIAvML
Look at the chart attached and tell me which sector you would have wanted to own over the last 18 months. I’ll tell you what: my first pick wouldn’t be the line at the bottom (S&P 500), but that’s just me.
Wanna know the best part?
$XME and $XES have chopped sideways for most of this year (2026) building potential energy….and STILL beat virtually everyone on this app. Now wait until that coiled energy converts to kinetic energy! 🚀👩🚀😅😂🤑🤑🤑
And the party isn’t over.
I told you when I bought it..…and you had a 2-year window to enjoy my content for free and learn an alternative approach designed to outperform any type of market.
The ones who could recognize the true value and listen are now members because they understand that they can outperform for the rest of their lives by stepping back and reading the market instead of the news within the context of the real estate/banking crisis cycle.
They’re also the only ones who’ll know when $XES and $XME aren’t favored sectors anymore.
Always remember that I want you all to win!
But I can’t do it for you. You have to recognize for yourself that conventionalist propaganda will never allow you to outperform… and take the steps to change that.
Learn about membership here: https://www.beskarcapitalkts.com/
Natural selection is alive and well.
I always give you my best. 🏆
This is the Way! 🏄🌊
read more
4,978 views
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 🫣read more
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
342K views
My Yield Max Portfolio Returned 128% in Two Years
I want to introduce myself to the Blossom community. My name is Jason, and I am building and publicly documenting an income-focused portfolio built around option-income funds. I am especially interested in whether a smaller investor can generate meaningful cash flow without needing a traditional million-dollar dividend portfolio first.
Despite the title, my portfolio is not all YieldMax, but it is predominantly so (most of my portfolio is currently in $CHPY), and it was all I could fit into the title while making it catchy. Blossom only tracks my price return, which, despite being in ultra-high-yield funds, is currently at +16.24%. This is while harvesting a trailing dividend yield that ranges from 30%–50% and a yield on cost of 30%–71%, depending on price movements throughout the year.
If you want to see my total returns during multiple periods of time, look up JLP Holdings on Snowball Analytics. The portfolio is public. The link to that portfolio is also on my profile page.
I do want to state my position unequivocally. Funds like YieldMax do have viable use cases. I view a dividend as a conversion to liquidity without selling shares. Total return is dividends plus price performance. If you know about mathematical operations with integers, you know that price performance can go down enough to reduce the value of your investment even when dividends are reinvested. So, dividends are not free money. It is possible that your value will decline over time if the total return of the underlying asset(s) are not high enough to support the yield percentage of the investment. In such cases, you can reinvest some or all of the dividends to try to keep the value of the investment level or growing.
I, however, over the past two years, have managed a positive price return with significant income on a small portfolio. Not many ultra-high-yield investors can say the same. Will I always be able to collect all of the dividends every year without my capital decreasing? No. Can I position myself where I can extract a large amount of liquidity from the fund in most types of markets assuming the underlying does well? Yes.
The strategy I currently use targets sectors that I think have tremendous upside potential. Right now, it is semiconductors, memory, and, to a lesser extent, AI. The outsized performance helps guard against NAV erosion. It does not guarantee that my price returns will never go negative, but the better the underlying performs, the less likely you are to see NAV erosion.
According to Snowball, my portfolio has returned 128.88% since its inception around August 2024. Over the same time period, the S&P 500 returned 45.42%. That means my portfolio has outperformed the S&P 500 by a very large margin so far.
My current portfolio yield is 39.13%, while my yield on cost is 45.79%. In other words, based on what I originally invested, the portfolio is currently producing income currently at a rate of nearly 46% of my cost basis. It also reflects that my portfolio has had a positive price return and my dividends on a per-share average basis have grown along with the price of the fund.
The portfolio has not followed one static strategy the entire time. I started with a mix of YieldMax single-stock funds and Roundhill ETFs. I later used several of Roundhill’s WeeklyPay funds and REX Shares’ $NVII After that strategy gave back a significant amount of its gains in 2025, I changed direction.
Since March 2026, I have been focused more heavily on sector-based option-income funds, especially $CHPY . $CHPY has been the clear core of my portfolio for most of this period. I also currently have $GPTY, $DRMY. and $YRAM in this portfolio. I did hold $SEMY for several months as well.
I have been using the distributions from this portfolio to help pay my bills since April 2026 during a career transition. Even while taking substantial income out and reinvesting only a small portion at times, my portfolio reached new all-time highs in June. This is not my only income source, but it is currently my largest source of income. Luckily, I have managed by skill, discipline, and, admittedly, very good luck, to build a life that is very inexpensive to live.
Can you imagine? i am currently 40 years old and I have been paying a majority of my bills with a portfolio that ranges in value from about $13,000 to $21,000, based on price movements. I achieved the $21,000 figure while collecting 100% of the dividends for two months at that time, sans a 10% reinvestment into the portfolio. I would not have been able to pay most of my bills with $SCHD or $NOBL with this size of a portfolio without having to sell shares. Not to mention, if I invested in $SCHD or $NOBL instead, my total returns would have been significantly lower.
Of course, I would not suggest anyone retire off of a portfolio of this size. The portfolio has been valuable as an income source in a transitional period of my life, and I'm very thankful for it. This is not something I could have done with SCHD or NOBL without having to sell shares. Specific uses cases for these types of funds are something I want to talk about on my page.
So, I hope the performance of my portfolio interests you. I plan to share my journey here and through other avenues. Feel free to check out my investment newsletter, Rethinking Dividends, at rethinkingdividends.com. If you are interested in seeing the journey and the philosophy behind my investment strategies, feel free to follow me and/or subscribe to my Substack newsletter. I also plan to start a YouTube channel in November of 2026. Here is the link to where this channel will be: https://www.youtube.com/@rethinking.dividends.
read more
Despite the title, my portfolio is not all YieldMax, but it is predominantly so (most of my portfolio is currently in $CHPY), and it was all I could fit into the title while making it catchy. Blossom only tracks my price return, which, despite being in ultra-high-yield funds, is currently at +16.24%. This is while harvesting a trailing dividend yield that ranges from 30%–50% and a yield on cost of 30%–71%, depending on price movements throughout the year.
If you want to see my total returns during multiple periods of time, look up JLP Holdings on Snowball Analytics. The portfolio is public. The link to that portfolio is also on my profile page.
I do want to state my position unequivocally. Funds like YieldMax do have viable use cases. I view a dividend as a conversion to liquidity without selling shares. Total return is dividends plus price performance. If you know about mathematical operations with integers, you know that price performance can go down enough to reduce the value of your investment even when dividends are reinvested. So, dividends are not free money. It is possible that your value will decline over time if the total return of the underlying asset(s) are not high enough to support the yield percentage of the investment. In such cases, you can reinvest some or all of the dividends to try to keep the value of the investment level or growing.
I, however, over the past two years, have managed a positive price return with significant income on a small portfolio. Not many ultra-high-yield investors can say the same. Will I always be able to collect all of the dividends every year without my capital decreasing? No. Can I position myself where I can extract a large amount of liquidity from the fund in most types of markets assuming the underlying does well? Yes.
The strategy I currently use targets sectors that I think have tremendous upside potential. Right now, it is semiconductors, memory, and, to a lesser extent, AI. The outsized performance helps guard against NAV erosion. It does not guarantee that my price returns will never go negative, but the better the underlying performs, the less likely you are to see NAV erosion.
According to Snowball, my portfolio has returned 128.88% since its inception around August 2024. Over the same time period, the S&P 500 returned 45.42%. That means my portfolio has outperformed the S&P 500 by a very large margin so far.
My current portfolio yield is 39.13%, while my yield on cost is 45.79%. In other words, based on what I originally invested, the portfolio is currently producing income currently at a rate of nearly 46% of my cost basis. It also reflects that my portfolio has had a positive price return and my dividends on a per-share average basis have grown along with the price of the fund.
The portfolio has not followed one static strategy the entire time. I started with a mix of YieldMax single-stock funds and Roundhill ETFs. I later used several of Roundhill’s WeeklyPay funds and REX Shares’ $NVII After that strategy gave back a significant amount of its gains in 2025, I changed direction.
Since March 2026, I have been focused more heavily on sector-based option-income funds, especially $CHPY . $CHPY has been the clear core of my portfolio for most of this period. I also currently have $GPTY, $DRMY. and $YRAM in this portfolio. I did hold $SEMY for several months as well.
I have been using the distributions from this portfolio to help pay my bills since April 2026 during a career transition. Even while taking substantial income out and reinvesting only a small portion at times, my portfolio reached new all-time highs in June. This is not my only income source, but it is currently my largest source of income. Luckily, I have managed by skill, discipline, and, admittedly, very good luck, to build a life that is very inexpensive to live.
Can you imagine? i am currently 40 years old and I have been paying a majority of my bills with a portfolio that ranges in value from about $13,000 to $21,000, based on price movements. I achieved the $21,000 figure while collecting 100% of the dividends for two months at that time, sans a 10% reinvestment into the portfolio. I would not have been able to pay most of my bills with $SCHD or $NOBL with this size of a portfolio without having to sell shares. Not to mention, if I invested in $SCHD or $NOBL instead, my total returns would have been significantly lower.
Of course, I would not suggest anyone retire off of a portfolio of this size. The portfolio has been valuable as an income source in a transitional period of my life, and I'm very thankful for it. This is not something I could have done with SCHD or NOBL without having to sell shares. Specific uses cases for these types of funds are something I want to talk about on my page.
So, I hope the performance of my portfolio interests you. I plan to share my journey here and through other avenues. Feel free to check out my investment newsletter, Rethinking Dividends, at rethinkingdividends.com. If you are interested in seeing the journey and the philosophy behind my investment strategies, feel free to follow me and/or subscribe to my Substack newsletter. I also plan to start a YouTube channel in November of 2026. Here is the link to where this channel will be: https://www.youtube.com/@rethinking.dividends.
read more
988 views
Europe is open for business
Congrats to Isar Aerospace on becoming the first European entity to reach orbit successfully from Continental Europe soil! Yes, before Canada!! 🤷♂️
This opens a brand new market and competition 🔥
The German company successfully launched its Spectrum rocket during the test flight from its base in Andøya, Norway.
With $RKLB expanding to Germany, I wouldn’t be surprised if one day they acquire Isar Aerospace… I sure hope! 🤷♂️
This opens a brand new market and competition 🔥
The German company successfully launched its Spectrum rocket during the test flight from its base in Andøya, Norway.
With $RKLB expanding to Germany, I wouldn’t be surprised if one day they acquire Isar Aerospace… I sure hope! 🤷♂️
696 views
How fast you build wealth depends on:
1. How much you earn
2. How much you save
3. How much you spend
4. How much you buy assets
5. How much you invest in yourself
6. How much you avoid/pay down debt
It all begins with your money habits.read more
2. How much you save
3. How much you spend
4. How much you buy assets
5. How much you invest in yourself
6. How much you avoid/pay down debt
It all begins with your money habits.read more
318 views
Dad on FIRE 🔥
I sat down with Jordan from @coveredcalletfinvesting to talk about something I think a lot of income investors will find fascinating — trying to live off your portfolio in your 30s while raising 4 kids.
We talked about his FIRE journey, why he likes income investing, his experience with margin, his top 5 holdings, and some of the biggest financial lessons he's learned.
Jordan was also the first finfluencer I ever met in person, so this was a really meaningful conversation for me.
Curious to hear from the Blossom community:
Could you see yourself living off your investment income in your 30s?
https://www.youtube.com/watch?v=4h_nKofwOzYread more
We talked about his FIRE journey, why he likes income investing, his experience with margin, his top 5 holdings, and some of the biggest financial lessons he's learned.
Jordan was also the first finfluencer I ever met in person, so this was a really meaningful conversation for me.
Curious to hear from the Blossom community:
Could you see yourself living off your investment income in your 30s?
https://www.youtube.com/watch?v=4h_nKofwOzYread more
1,728 views
Ok… so I am looking at investing regularly in SOXX (the goal is about 10k a month for 16 months). Is anyone here a long-term holder who can share with me what motivates you? If you think this is not a great idea, or if you only trade it, I would also like to hear your thoughts.
510 views
Sofi Coach
$SOFI might be sitting on one of the most underrated datasets in fintech.
SoFi Coach is being built on Relay data spanning:
12,000 connected financial institutions
6.5 BILLION transactions
~$750 BILLION in outstanding balances
$250 BILLION+ in members’ real world assets
And Coach has already handled nearly 500,000 conversations, with more than half focused on investing.
This is why I think looking at SoFi Coach as simply “another AI chatbot” completely misses the point.
The real opportunity is combining AI with years of actual financial data across spending, saving, investing, borrowing and outside accounts. read more
SoFi Coach is being built on Relay data spanning:
12,000 connected financial institutions
6.5 BILLION transactions
~$750 BILLION in outstanding balances
$250 BILLION+ in members’ real world assets
And Coach has already handled nearly 500,000 conversations, with more than half focused on investing.
This is why I think looking at SoFi Coach as simply “another AI chatbot” completely misses the point.
The real opportunity is combining AI with years of actual financial data across spending, saving, investing, borrowing and outside accounts. read more
492 views
What’s a Pretty Damn Good Return?
I think something gets lost in discussions about whether a fund’s distribution is “sustainable”: what do we actually consider a pretty damn good long-term return?
⠀
In my ERP post, I talked about using the risk-free rate plus the equity risk premium as a starting point for expected stock returns. The estimate I discussed came out around 9% nominal, before inflation. That isn’t a ceiling or a guarantee, but it gives us somewhere to start when thinking about what an investment might reasonably deliver.
⠀
https://www.blossomsocial.com/posts/Equity-Risk-Premium-9percent__POST-1788217798809-T6cHd7D9_t00uBlccemcq8jzT
⠀
Different exposures and strategies deserve different assumptions. If we expect substantially higher returns, though, there should be an explanation for where that additional return comes from and why it should persist.
⠀
Warren Buffett is an interesting reference point here. He’s widely regarded as the greatest investor of all time, and from 1965 through 2025, Berkshire compounded at 19.7% annually, compared with 10.5% for the S&P 500 with dividends included. Sustaining roughly 20% for that long is the kind of result that earned him that reputation.
⠀
https://www.berkshirehathaway.com/2025ar/2025ar.pdf
⠀
That gives some perspective on casually assuming 20%, 30%, or more as a long-term total return.
⠀
Those returns can obviously happen. They can happen for several years. But if we’re building long-term expectations around them, there needs to be something supporting that assumption. Maybe a manager adds alpha, meaning returns beyond what an appropriate benchmark or risk model would explain. Maybe leverage increases expected returns, or there’s some other advantage.
⠀
And even an established advantage doesn’t guarantee substantial alpha forever. Compounding the annual returns in Berkshire’s report over the 22 years from 2004 through 2025 gives approximately 10.5% annually, compared with 10.7% for the S&P 500 including dividends. That isn’t a formal calculation of alpha, but it shows how much closer Berkshire’s more recent returns have been to the market, despite its extraordinary lifetime record.
⠀
This connects back to competition. Sometimes when people say a fund manager needs to “stabilize the NAV and maintain the yield,” it sounds like the fund operates in a silo, where producing enough return is primarily a matter of choosing the right settings.
⠀
But there’s someone on the other side of each trade. Option buyers are paying for rights that have value. Other managers are looking for the same attractive opportunities. If an advantage is accessible and repeatable, more capital can pursue it and reduce the future reward.
⠀
That doesn’t impose a hard cap on anyone’s returns. It does make a large, persistent edge something we should explain rather than assume.
⠀
Which brings me back to high distributions.
⠀
In my High Yield post, I talked about why NAV erosion and distribution cuts aren’t inherently bad on their own. A fund could deliver a perfectly decent total return while its NAV declines because it distributes substantially more than it earns.
⠀
https://www.blossomsocial.com/posts/High-Yield__POST-1787186691972-RSs7aPx2_t00uBlccemcq8jzT
⠀
You can take that to an extreme mathematically. Start with $100 and distribute 99%, leaving $1. Then distribute 99% of that dollar, leaving one cent. You can keep taking a fraction of a positive balance indefinitely, even as the amounts become vanishingly small.
⠀
The NAV has almost completely disappeared, but you haven’t lost almost all your money. In this simplified example, you received it back as cash. Before costs and taxes, there was no investment gain or loss.
⠀
That’s why NAV erosion alone isn’t enough information.
⠀
This ties into @matt.41’s recent question about what a sustainable distribution would be for HHIS. Suppose, hypothetically, HHIS yielded 23%. The percentage alone doesn’t tell us whether the fund can maintain its dollar payments or support someone spending them while preserving their capital.
⠀
If we mean earning a 23% total return year after year, though, we’re expecting more than Buffett’s roughly 20% lifetime annualized return. That doesn’t make it impossible, but it brings us back to the question: what would allow the strategy to sustain a result that extraordinary?
⠀
Let’s set aside any negative opinions or “CC hate” you might encounter and focus just on total return and what we reasonably expect it to be. When someone like me questions whether a strategy is sustainable, that’s the concern: whether its expected total return can support the spending and capital preservation someone is counting on.
⠀
If a fund earns 9% but distributes 60% of its starting NAV, the difference has to come out of its NAV. A falling NAV or an eventual distribution cut can be exactly what we’d expect, even while the fund delivers a perfectly decent total return.
⠀
As I covered in “Separating the Variables: The Concrete Version,” reinvesting a percentage of the distributions isn’t enough information either. Spend half of a 10% distribution and you’re withdrawing 5% of the portfolio. Spend half of a 20% distribution and you’re withdrawing 10%.
⠀
Same reinvestment rule, twice the withdrawal rate. Whether either is sustainable still depends on the strategy’s total return and risk.
⠀
https://www.blossomsocial.com/posts/Separating-the-Variables-2-The-Concrete-Version__POST-1787842873351-Y6LX3ulN_t00uBlccemcq8jzT
⠀
There’s also a separate issue with “stable.” I wouldn’t treat XEQT as a stable place for a house down payment needed in the short term, and the same concern applies to income funds with meaningful stock-market exposure. Regular cash payments don’t make the capital supporting those payments stable.
⠀
Someone who understands these relationships may reasonably prefer a high-distribution structure. The concern I’m focusing on is the long-term expectation attached to it. We can disagree about what a strategy will earn, but that’s where the discussion needs to happen, because the distribution rate can’t answer that question for us.
⠀
It feels like every week we end up with another post about the discourse itself instead of the actual investing questions and trade-offs worth discussing. I hope this comes across as a respectful and useful breakdown for people who are curious. There’s plenty of room for different preferences, and I think understanding the assumptions behind them makes for a much more valuable conversation.read more
⠀
In my ERP post, I talked about using the risk-free rate plus the equity risk premium as a starting point for expected stock returns. The estimate I discussed came out around 9% nominal, before inflation. That isn’t a ceiling or a guarantee, but it gives us somewhere to start when thinking about what an investment might reasonably deliver.
⠀
https://www.blossomsocial.com/posts/Equity-Risk-Premium-9percent__POST-1788217798809-T6cHd7D9_t00uBlccemcq8jzT
⠀
Different exposures and strategies deserve different assumptions. If we expect substantially higher returns, though, there should be an explanation for where that additional return comes from and why it should persist.
⠀
Warren Buffett is an interesting reference point here. He’s widely regarded as the greatest investor of all time, and from 1965 through 2025, Berkshire compounded at 19.7% annually, compared with 10.5% for the S&P 500 with dividends included. Sustaining roughly 20% for that long is the kind of result that earned him that reputation.
⠀
https://www.berkshirehathaway.com/2025ar/2025ar.pdf
⠀
That gives some perspective on casually assuming 20%, 30%, or more as a long-term total return.
⠀
Those returns can obviously happen. They can happen for several years. But if we’re building long-term expectations around them, there needs to be something supporting that assumption. Maybe a manager adds alpha, meaning returns beyond what an appropriate benchmark or risk model would explain. Maybe leverage increases expected returns, or there’s some other advantage.
⠀
And even an established advantage doesn’t guarantee substantial alpha forever. Compounding the annual returns in Berkshire’s report over the 22 years from 2004 through 2025 gives approximately 10.5% annually, compared with 10.7% for the S&P 500 including dividends. That isn’t a formal calculation of alpha, but it shows how much closer Berkshire’s more recent returns have been to the market, despite its extraordinary lifetime record.
⠀
This connects back to competition. Sometimes when people say a fund manager needs to “stabilize the NAV and maintain the yield,” it sounds like the fund operates in a silo, where producing enough return is primarily a matter of choosing the right settings.
⠀
But there’s someone on the other side of each trade. Option buyers are paying for rights that have value. Other managers are looking for the same attractive opportunities. If an advantage is accessible and repeatable, more capital can pursue it and reduce the future reward.
⠀
That doesn’t impose a hard cap on anyone’s returns. It does make a large, persistent edge something we should explain rather than assume.
⠀
Which brings me back to high distributions.
⠀
In my High Yield post, I talked about why NAV erosion and distribution cuts aren’t inherently bad on their own. A fund could deliver a perfectly decent total return while its NAV declines because it distributes substantially more than it earns.
⠀
https://www.blossomsocial.com/posts/High-Yield__POST-1787186691972-RSs7aPx2_t00uBlccemcq8jzT
⠀
You can take that to an extreme mathematically. Start with $100 and distribute 99%, leaving $1. Then distribute 99% of that dollar, leaving one cent. You can keep taking a fraction of a positive balance indefinitely, even as the amounts become vanishingly small.
⠀
The NAV has almost completely disappeared, but you haven’t lost almost all your money. In this simplified example, you received it back as cash. Before costs and taxes, there was no investment gain or loss.
⠀
That’s why NAV erosion alone isn’t enough information.
⠀
This ties into @matt.41’s recent question about what a sustainable distribution would be for HHIS. Suppose, hypothetically, HHIS yielded 23%. The percentage alone doesn’t tell us whether the fund can maintain its dollar payments or support someone spending them while preserving their capital.
⠀
If we mean earning a 23% total return year after year, though, we’re expecting more than Buffett’s roughly 20% lifetime annualized return. That doesn’t make it impossible, but it brings us back to the question: what would allow the strategy to sustain a result that extraordinary?
⠀
Let’s set aside any negative opinions or “CC hate” you might encounter and focus just on total return and what we reasonably expect it to be. When someone like me questions whether a strategy is sustainable, that’s the concern: whether its expected total return can support the spending and capital preservation someone is counting on.
⠀
If a fund earns 9% but distributes 60% of its starting NAV, the difference has to come out of its NAV. A falling NAV or an eventual distribution cut can be exactly what we’d expect, even while the fund delivers a perfectly decent total return.
⠀
As I covered in “Separating the Variables: The Concrete Version,” reinvesting a percentage of the distributions isn’t enough information either. Spend half of a 10% distribution and you’re withdrawing 5% of the portfolio. Spend half of a 20% distribution and you’re withdrawing 10%.
⠀
Same reinvestment rule, twice the withdrawal rate. Whether either is sustainable still depends on the strategy’s total return and risk.
⠀
https://www.blossomsocial.com/posts/Separating-the-Variables-2-The-Concrete-Version__POST-1787842873351-Y6LX3ulN_t00uBlccemcq8jzT
⠀
There’s also a separate issue with “stable.” I wouldn’t treat XEQT as a stable place for a house down payment needed in the short term, and the same concern applies to income funds with meaningful stock-market exposure. Regular cash payments don’t make the capital supporting those payments stable.
⠀
Someone who understands these relationships may reasonably prefer a high-distribution structure. The concern I’m focusing on is the long-term expectation attached to it. We can disagree about what a strategy will earn, but that’s where the discussion needs to happen, because the distribution rate can’t answer that question for us.
⠀
It feels like every week we end up with another post about the discourse itself instead of the actual investing questions and trade-offs worth discussing. I hope this comes across as a respectful and useful breakdown for people who are curious. There’s plenty of room for different preferences, and I think understanding the assumptions behind them makes for a much more valuable conversation.read more
1,474 views
How to Know If We Doing Alright
Tell me you’re financially stable without actually telling me…
Ill start:
My wife once said:
“Can we take a break from having steak?”
😂
That’s when you know you’ve made it.read more
Ill start:
My wife once said:
“Can we take a break from having steak?”
😂
That’s when you know you’ve made it.read more
1,286 views
When to Sell TTWO
Hi all! I bought $TTWO around 220.00/share and bought around 8 shares. I was curious if anyone has a limit sell target for the stock or will you buy and hold? My limit sell is 325 but curious if anyone will hold it for the next few hours and let it ride?
I don’t want to sell it too low and miss out on the earnings.
I don’t want to sell it too low and miss out on the earnings.
142 views
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. read more
When you are grieving the last thing you want to do is close an estate up.
It’s even harder if nothing has been prepared in advance.
After the initial shock of the death settles (the phase where everyone is usually nice), greed comes through in a most alarming manner. I’ve watched people turn into monsters. Make sure you have a will!!!! or people will fight. 
I know most people hate thinking about their death or their spouses death but honestly it’s just a fact of life.
I’ve personally been the executor of 2 estates now.
This is my advice:
1. If your young get life insurance. If you’re retired it’s not worth it.
2. Make sure you have a will.
3. Make sure you have a personal directive.
4. Make sure you have a power of attorney set up.
5. If your married make your spouse the beneficiary of your TFSA and RRSP(has to be done through the account not the will), they will roll into the spouses account without taxation.
6. If you’re married, and you own a house, make sure both names are on the title, joint tenant, NOT tenant in common. This activates right of survivorship on property and doesn’t have to go through the estate.
7. If you’re married, both people should have their name on all the vehicles, joint, otherwise it’s a headache after death.
8. Buy a file folding system. I have a plastic one that has a clasp and handle.
9. Put EVERYTHING in this file folder that would be needed if you died tomorrow.
a) all land titles
B) information on house insurance so it can either be eventually canceled or name changed over.
C) your will (or the location of your will),  power of attorney, and personal directive
D) the information for your car, car insurance, and registration on vehicles.
E) information on life insurance.
F) all current year papers needed for filing your taxes. Because the survivor will have to do it and will need that information.
G) where your household bills are. ALL OF THEM, electricity, gas, Netflix, magazine, subscriptions everything you can think of that is in their name. Because you are going to have to cancel them.
H) their credit card information where to contact to cancel the cards
I) birth certificate, SIN numbers, marriage, license, etc.
J) information on all your investments accounts, bank accounts, etc.
K) anything else you can think of for your situation
If you’re married, I’d have one box per person.
When you die, the funeral home will issue many death certificates. And your lawyer will give you copies of the will.
These will be needed to change over any accounts. Everything else goes through the estate which is taxed and the lawyers take their fees so I’d avoid this as much as possible especially if you’re married. This is why having property in both people‘s names is so important because it doesn’t have to go through probate.
I am widowed now and I have my black file folder and my two remaining children know if something happens to me, all they have to do is grab the folder. Everything they need to take care of my estate will be located in this folder.
At the beginning of every year, I open this file up and go through everything to make sure it’s up-to-date.
If you are young and do not own much or can’t afford a will, you can draft one up but it must be handwritten to be classified as a legal document. You cannot type it out!! If you’re not worth much, everything will most likely be sold to pay your bills and cover your funeral expenses. But you can state who your executor will be in your handwritten will.
 Disclaimer I’m not a lawyer or an accountant and this is not legal advice. Talk to a lawyer and talk to an accountant. Make sure everything is set up for you and your situation. These are situations that I personally ran into.
Good luck
Also I’ll add in. IF you have a lot of assets make an appointment with your accountant first. They will tell you how to properly set things up. Then take that information to your lawyer. read more
292K views
Always Check the Math
Having a platform or impressive credentials doesn’t make someone infallible. People, even professionals, make mistakes all the time. Whenever someone claims a glaring error could never make it through a professional media room, I think about this.
In 2020, during a broadcast on Brian Williams’ show, one of the guests was Mara Gay, who was a member of The New York Times editorial board at the time. Williams himself was a longtime national news anchor.
MSNBC aired this tweet:
“Bloomberg spent $500 million on ads. The U.S. population is 327 million. He could have given each American $1 million and still had money left over. I feel like a $1 million check would be life-changing for most people. Yet he wasted it all on ads and STILL LOST.”
Williams read it on air, and both he and Gay treated the math as correct, calling it an incredible way of putting it and agreeing with the point being made. The actual math works out to about $1.53 per person.
What gets me is how far the mistake had to travel before it ever reached the screen. Someone had to write the original tweet. Enough people had to see it, like it, share it, or repeat it for it to eventually find its way into the media. Then someone involved with the broadcast had to find it, read it, and decide it was worth using. Someone else had to turn it into the graphic that appeared on screen, and it had to be loaded and prepared for the broadcast. We obviously don’t know exactly how many people reviewed it along the way, but the point is that this was not just one person making a bad calculation. The mistake passed through multiple stages before it reached national television, and it still wasn’t caught.
To their credit, they corrected it after the commercial break. Williams joked that he and Gay must have gotten the same grades in math, and Gay later joked that she was buying a calculator. But this is a great reminder that something can sound convincing, be repeated by smart people, make it through a professional process, and still be completely wrong. Always check the math read more
In 2020, during a broadcast on Brian Williams’ show, one of the guests was Mara Gay, who was a member of The New York Times editorial board at the time. Williams himself was a longtime national news anchor.
MSNBC aired this tweet:
“Bloomberg spent $500 million on ads. The U.S. population is 327 million. He could have given each American $1 million and still had money left over. I feel like a $1 million check would be life-changing for most people. Yet he wasted it all on ads and STILL LOST.”
Williams read it on air, and both he and Gay treated the math as correct, calling it an incredible way of putting it and agreeing with the point being made. The actual math works out to about $1.53 per person.
What gets me is how far the mistake had to travel before it ever reached the screen. Someone had to write the original tweet. Enough people had to see it, like it, share it, or repeat it for it to eventually find its way into the media. Then someone involved with the broadcast had to find it, read it, and decide it was worth using. Someone else had to turn it into the graphic that appeared on screen, and it had to be loaded and prepared for the broadcast. We obviously don’t know exactly how many people reviewed it along the way, but the point is that this was not just one person making a bad calculation. The mistake passed through multiple stages before it reached national television, and it still wasn’t caught.
To their credit, they corrected it after the commercial break. Williams joked that he and Gay must have gotten the same grades in math, and Gay later joked that she was buying a calculator. But this is a great reminder that something can sound convincing, be repeated by smart people, make it through a professional process, and still be completely wrong. Always check the math read more
790 views
First major Cyber Cab accident
Hope everyone is okay.
Did not think to have a 767 being recorded as the first major CyberCab accident ever, on my bingo card.
$AMZN $TSLA
Did not think to have a 767 being recorded as the first major CyberCab accident ever, on my bingo card.
$AMZN $TSLA
278 views
I’m a Millionaire. It’s Not What I Expected
I’m a Millionaire. It Doesn’t Feel Like I Thought It Would.
Here’s something that feels strange to say.
By the traditional definition of net worth what we own minus what we owe our household would technically be considered millionaires.
I’m not saying that as a flex. In fact, that’s kind of the point.
When I was younger, a millionaire meant big houses, fancy cars and expensive vacations.
Basically, Lifestyles of the Rich and Famous.
If you just heard Robin Leach’s voice, congratulations …..you’re probably my target audience.
But being a millionaire at 53 looks surprisingly… normal.
We have investments and equity in our home. We also have a mortgage, and I still get up and go to work.
What got me thinking about this was my friend @williamwang23 Will’s recent post about becoming a millionaire in his early 30s.
That’s an incredible accomplishment.
But what really stands out to me is that Will became curious about money early. He learned, saved, invested and, most importantly, gave his money time.
I didn’t start DIY investing until I was 50.
We saved and built home equity, but I didn’t become curious enough about investing and money until much later.
And I have to give @moementumfinance Moe credit for the word curious.
He talked about it during our panel at BlossomCon, and it really stuck with me.
Over the last three years, I’ve asked more questions, learned more and become much more financially literate.
I’ve also made mistakes.
I’ve posted things that weren’t quite right, and people here have corrected me. I’m good with that.
Being financially literate doesn’t mean knowing everything. It means being curious enough to ask questions and open enough to learn from the answers.
I wish I’d figured that out at 30 instead of 50.
Because Will and I might technically carry the same “millionaire” label today, but he’s given his money decades more time to compound.
That’s why the number itself is so relative.
Our goal is still to build a $1 million+ investment portfolio by retirement. On paper, our net worth could eventually be well into the millions.
But we’re not planning a Lifestyles of the Rich and Famous retirement.
We want to travel, enjoy our time, help our kids when we can and have enough that money gives us choices.
And maybe that’s the funny part.
Technically, I’m already a millionaire.
But we’re still working toward becoming what younger me thought a millionaire was.
Not the mansion or the yacht.
The freedom. The security. The choices.
Maybe that’s what being wealthy really means.
What does being a millionaire mean to you? read more
Here’s something that feels strange to say.
By the traditional definition of net worth what we own minus what we owe our household would technically be considered millionaires.
I’m not saying that as a flex. In fact, that’s kind of the point.
When I was younger, a millionaire meant big houses, fancy cars and expensive vacations.
Basically, Lifestyles of the Rich and Famous.
If you just heard Robin Leach’s voice, congratulations …..you’re probably my target audience.
But being a millionaire at 53 looks surprisingly… normal.
We have investments and equity in our home. We also have a mortgage, and I still get up and go to work.
What got me thinking about this was my friend @williamwang23 Will’s recent post about becoming a millionaire in his early 30s.
That’s an incredible accomplishment.
But what really stands out to me is that Will became curious about money early. He learned, saved, invested and, most importantly, gave his money time.
I didn’t start DIY investing until I was 50.
We saved and built home equity, but I didn’t become curious enough about investing and money until much later.
And I have to give @moementumfinance Moe credit for the word curious.
He talked about it during our panel at BlossomCon, and it really stuck with me.
Over the last three years, I’ve asked more questions, learned more and become much more financially literate.
I’ve also made mistakes.
I’ve posted things that weren’t quite right, and people here have corrected me. I’m good with that.
Being financially literate doesn’t mean knowing everything. It means being curious enough to ask questions and open enough to learn from the answers.
I wish I’d figured that out at 30 instead of 50.
Because Will and I might technically carry the same “millionaire” label today, but he’s given his money decades more time to compound.
That’s why the number itself is so relative.
Our goal is still to build a $1 million+ investment portfolio by retirement. On paper, our net worth could eventually be well into the millions.
But we’re not planning a Lifestyles of the Rich and Famous retirement.
We want to travel, enjoy our time, help our kids when we can and have enough that money gives us choices.
And maybe that’s the funny part.
Technically, I’m already a millionaire.
But we’re still working toward becoming what younger me thought a millionaire was.
Not the mansion or the yacht.
The freedom. The security. The choices.
Maybe that’s what being wealthy really means.
What does being a millionaire mean to you? read more
6,584 views
My space thesis has changed (just as the industry)
I took the hard decision to sell my beloved $RKLB and reallocate into $PL.
Not because I think $RKLB isn’t executing or because I’ve lost confidence, it’s actually quite the opposite!! $RKLB remains one of the companies I’m most bullish on in the space industry and the CEO is the greatest of all time.
It’s just no longer the best fit for my investment thesis as the industry evolves and my investing strategy being to allocate big where I have the most conviction, so having $RKLB at less than 10% of my portfolio did not make sense for my strategy.
I do keep one symbolic $RKLB share in my RRSP bought at $3.72 because it’s where everything started when I started my investing journey 3 years ago.
The focus for space companies now is tilted towards "space applications", like $RKLB acquiring $IRDM for $8 billion to get connectivity into their inventory, satellites monitoring agriculture, $PL providing real-time satellite imagery, etc.
Among these applications, I see a lot of potential in the development of AI infrastructure in space over the next few years and I believe Planet Labs is positioned to benefit from this.
My thesis is that $PL sits at the intersection of satellite infrastructure, Earth observation and AI for both on Earth and potentially in space.
$PL isn’t an in-space data centre company today but it is already a pioneer!
Planet is $GOOGL’s partner on Project Suncatcher, an initiative exploring the deployment of Google’s Tensor Processing Units (TPUs) in orbit to scale AI compute in space. The first two prototype satellites are expected to launch in early 2027, for an envisioned constellation of 81 satellites.
Some benefits of data centres in orbit is that you have unlimited and free power and you do not need water to cool as heat gets radiated out of the satellite into space. It’s essentially a low-latency connectivity satellite like Starlink, but instead of beaming Internet it beams AI results back on Earth.
Planet has also been a pioneer in Earth observation and is now rapidly adding AI into its satellite imagery platform. The company has partnered with Anthropic to incorporate Claude to help customers turn raw satellite imagery into actionable insights more efficiently.
According to a Bloomberg report from last week, $PL is also in discussions to provide satellite-imaging services to help monitor data-centre construction as it expands beyond its defense/government market.
In August, $PL renewed a contract with an undisclosed hyperscaler AI developer to monitor data-centre and semiconductor manufacturing construction globally.
Its Pelican high-resolution imagery is being used to track construction milestones at these facilities.
I like to see how $PL has been diversifying their revenue lately. I would not be surprised to see an acquisition very soon given they have now $860M in cash following their ATM offering.
For FY2027, ending January 31, 2027, Planet expects revenue of $430–441M (+41% YoY) and adjusted EBITDA of $3–10M (-50% YoY)
Have a great long weekend!! read more
Not because I think $RKLB isn’t executing or because I’ve lost confidence, it’s actually quite the opposite!! $RKLB remains one of the companies I’m most bullish on in the space industry and the CEO is the greatest of all time.
It’s just no longer the best fit for my investment thesis as the industry evolves and my investing strategy being to allocate big where I have the most conviction, so having $RKLB at less than 10% of my portfolio did not make sense for my strategy.
I do keep one symbolic $RKLB share in my RRSP bought at $3.72 because it’s where everything started when I started my investing journey 3 years ago.
The focus for space companies now is tilted towards "space applications", like $RKLB acquiring $IRDM for $8 billion to get connectivity into their inventory, satellites monitoring agriculture, $PL providing real-time satellite imagery, etc.
Among these applications, I see a lot of potential in the development of AI infrastructure in space over the next few years and I believe Planet Labs is positioned to benefit from this.
My thesis is that $PL sits at the intersection of satellite infrastructure, Earth observation and AI for both on Earth and potentially in space.
$PL isn’t an in-space data centre company today but it is already a pioneer!
Planet is $GOOGL’s partner on Project Suncatcher, an initiative exploring the deployment of Google’s Tensor Processing Units (TPUs) in orbit to scale AI compute in space. The first two prototype satellites are expected to launch in early 2027, for an envisioned constellation of 81 satellites.
Some benefits of data centres in orbit is that you have unlimited and free power and you do not need water to cool as heat gets radiated out of the satellite into space. It’s essentially a low-latency connectivity satellite like Starlink, but instead of beaming Internet it beams AI results back on Earth.
Planet has also been a pioneer in Earth observation and is now rapidly adding AI into its satellite imagery platform. The company has partnered with Anthropic to incorporate Claude to help customers turn raw satellite imagery into actionable insights more efficiently.
According to a Bloomberg report from last week, $PL is also in discussions to provide satellite-imaging services to help monitor data-centre construction as it expands beyond its defense/government market.
In August, $PL renewed a contract with an undisclosed hyperscaler AI developer to monitor data-centre and semiconductor manufacturing construction globally.
Its Pelican high-resolution imagery is being used to track construction milestones at these facilities.
I like to see how $PL has been diversifying their revenue lately. I would not be surprised to see an acquisition very soon given they have now $860M in cash following their ATM offering.
For FY2027, ending January 31, 2027, Planet expects revenue of $430–441M (+41% YoY) and adjusted EBITDA of $3–10M (-50% YoY)
Have a great long weekend!! read more
3,630 views
$AMD: Bounces from the lower Bollinger band synchronized with Stochastic crossovers have been solid signals to anticipate reversals... to the 20DMA.
Price action is constructive, the blue line must be conquered to consider momentum. 471.5 will be key this Tuesday as central daily level (bullish above/bearish below).
Like for more charts!
Price action is constructive, the blue line must be conquered to consider momentum. 471.5 will be key this Tuesday as central daily level (bullish above/bearish below).
Like for more charts!
304 views
Zeta Global is becoming a cash flow machine…
Imagine this chart with +20% FCF margins...
“We are building a $10B business with a 30% operating margin, with vast majority dropping to free cash flow... On the marketing business, ALONE.”
– David Steinberg, CEO
$ZETA
“We are building a $10B business with a 30% operating margin, with vast majority dropping to free cash flow... On the marketing business, ALONE.”
– David Steinberg, CEO
$ZETA
954 views
Power is the next hot sector 🔥
The next AI bottleneck is POWER ⚡️ — and these stocks have recently pulled back.
If you were at blossomcon I’m sure you heard me emphasize how important power , electricity and grid upgrades will be in order for ai and physical ai to move forward. This is one of the reasons why I continue to increase exposure to electrical infrastructure
Power is the next AI bottleneck because chips now arrive faster than electricity, transformers, and grid connections.
Jensen Huang calls electricity “the bottleneck,” not GPUs. Energy sits at the base of AI infrastructure: factories turn electrons into tokens, so revenue is tokens per watt. He expects small nuclear reactors beside data centers and says computing may need ~1,000× more energy as agents run continuously.
Elon Musk says the limiter moved from chips to transformers to generation. The U.S. will soon make more chips than it can power; he cites ~15 GW of 2027 compute sitting idle. China scales solar faster. His fix: on-site turbines now, solar satellites later.
Gavin Baker frames two constraints—watts and wafers. Power shortages slow overbuild and make tokens-per-watt decisive. Watts ease around 2027–28; zoning remains a choke.
Chips take months. Gigawatts take years.
$VST — Generates massive amounts of electricity from nuclear and natural gas. Has 20-year nuclear power deals with AWS and Meta, giving it direct exposure to Big Tech’s growing power needs.
$CEG — America’s largest nuclear operator. Supplies huge amounts of reliable 24/7 electricity, with long-term power deals tied to Microsoft and Meta’s growing data-center needs.
$GEV — Builds the gas turbines and grid equipment needed to create and move electricity. AI data centers need huge amounts of new power generation, making turbines increasingly important.
$VRT — Builds the power and cooling infrastructure inside data centers. Think liquid cooling, power management, UPS systems and increasingly microgrid infrastructure.
$BE— Provides onsite fuel-cell power, allowing data centers to generate electricity closer to where it’s needed instead of waiting years for new grid connections.
$CCO— One of the world’s largest uranium producers. Uranium is the fuel that keeps nuclear reactors running, giving Cameco exposure to rising nuclear power demand.
$ETN — Makes the electrical equipment that gets power into and around the data center — breakers, switchgear, transformers and power-distribution systems.
read more
If you were at blossomcon I’m sure you heard me emphasize how important power , electricity and grid upgrades will be in order for ai and physical ai to move forward. This is one of the reasons why I continue to increase exposure to electrical infrastructure
Power is the next AI bottleneck because chips now arrive faster than electricity, transformers, and grid connections.
Jensen Huang calls electricity “the bottleneck,” not GPUs. Energy sits at the base of AI infrastructure: factories turn electrons into tokens, so revenue is tokens per watt. He expects small nuclear reactors beside data centers and says computing may need ~1,000× more energy as agents run continuously.
Elon Musk says the limiter moved from chips to transformers to generation. The U.S. will soon make more chips than it can power; he cites ~15 GW of 2027 compute sitting idle. China scales solar faster. His fix: on-site turbines now, solar satellites later.
Gavin Baker frames two constraints—watts and wafers. Power shortages slow overbuild and make tokens-per-watt decisive. Watts ease around 2027–28; zoning remains a choke.
Chips take months. Gigawatts take years.
$VST — Generates massive amounts of electricity from nuclear and natural gas. Has 20-year nuclear power deals with AWS and Meta, giving it direct exposure to Big Tech’s growing power needs.
$CEG — America’s largest nuclear operator. Supplies huge amounts of reliable 24/7 electricity, with long-term power deals tied to Microsoft and Meta’s growing data-center needs.
$GEV — Builds the gas turbines and grid equipment needed to create and move electricity. AI data centers need huge amounts of new power generation, making turbines increasingly important.
$VRT — Builds the power and cooling infrastructure inside data centers. Think liquid cooling, power management, UPS systems and increasingly microgrid infrastructure.
$BE— Provides onsite fuel-cell power, allowing data centers to generate electricity closer to where it’s needed instead of waiting years for new grid connections.
$CCO— One of the world’s largest uranium producers. Uranium is the fuel that keeps nuclear reactors running, giving Cameco exposure to rising nuclear power demand.
$ETN — Makes the electrical equipment that gets power into and around the data center — breakers, switchgear, transformers and power-distribution systems.
read more
7,050 views
Long-term investing goals
📊 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
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
561K views
Quality companies with the highest net profit marg
🇺🇸 Ran a screen across the U.S. market for highly profitable companies.
Criteria:
• Market cap > $10B
• EPS growth (3 yrs estimate) > 10%
• Gross margin > 75%
• Positive FCF
Ranked by net profit margin:
1. $APP — 64.6%
2. $V— 50.8%
3. $PLTR — 49.0%
4. $MA — 46.3%
5. $HOOD — 42.0%
6. $MSCI — 40.7%
7. $ICE — 38.3%
8. $LLY — 33.5%
9. $RDDT — 31.4%
10. $META — 29.8%
11. $ADBE — 28.7%
12. $FTNT — 28.2%
13. $BKNG — 25.5%
14. $CDNS — 23.6%
15. $CRM — 22.0%
16. $ADSK — 21.1%
17. $ABNB — 20.5%
18. $ARM — 20.3%
19. $WDAY — 12.3%
20. $SNPS — 11.4%
High margins + EPS growth + positive FCF is a powerful combination… but but but valuation is a different topic.
Which of these 20 looks most attractive at today’s price? 👀
(Similar post for Canadian companies coming next)read more
Criteria:
• Market cap > $10B
• EPS growth (3 yrs estimate) > 10%
• Gross margin > 75%
• Positive FCF
Ranked by net profit margin:
1. $APP — 64.6%
2. $V— 50.8%
3. $PLTR — 49.0%
4. $MA — 46.3%
5. $HOOD — 42.0%
6. $MSCI — 40.7%
7. $ICE — 38.3%
8. $LLY — 33.5%
9. $RDDT — 31.4%
10. $META — 29.8%
11. $ADBE — 28.7%
12. $FTNT — 28.2%
13. $BKNG — 25.5%
14. $CDNS — 23.6%
15. $CRM — 22.0%
16. $ADSK — 21.1%
17. $ABNB — 20.5%
18. $ARM — 20.3%
19. $WDAY — 12.3%
20. $SNPS — 11.4%
High margins + EPS growth + positive FCF is a powerful combination… but but but valuation is a different topic.
Which of these 20 looks most attractive at today’s price? 👀
(Similar post for Canadian companies coming next)read more
2,090 views
