Blossom — Social Investing Community

Market News · 11m

Good morning and happy Sunday the Edge Report Sector screener

Sectors Defensives led , Tech in last place
Staples +3.5%, Comm Services +3.1%,
Real Estate +2.9%.
Tech went from #1 last week to last place at -14.0%.
Energy -10.3%.

Sector Themes
Gold Miners +5.4% on top.
Semis -20.3%.
Every AI and chip theme fell.

What Themes you watching this week ?read more

Massive Sector Rotation last week — image 1 of 2

Massive Sector Rotation last week — image 2 of 2

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The Market Matrix

@themarketmatrix

Market News · 🔥 Hot

Seems like the Democrats don’t own any AI stocks.. 😅

$QQQ -3%

$BE -14%
$PENG -14%
$AEHR -13%
$AAOI -12%
$AMD -11%
$NBIS -11%
$IREN -10%
$LITE -10%
$VRT-10%
$CRDO -9%
$COHR -9%
$SITM -8%
$CIFR -6%
$MU -6%
$NVDA -4%

They only own stocks like $WMT apparently..read more

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Zain @zains

Beginner Investors · ⭐ Featured

Beginner’s Guide to Stock Market Terms

One of the best parts about the Blossom community is how open everyone is sharing knowledge and experiences.

To make things easier for anyone just starting their investing journey, here’s a simple glossary to help understand and simplify various terms.

Common Terms:

Dividend: A share of a company’s profits paid to shareholders, usually quarterly.

Ex-Dividend Date: The cutoff date by which you must own a stock to receive its next dividend.

ETF (Exchange-Traded Fund): A fund that holds multiple stocks or bonds, traded like a single stock.

Covered Call ETF: An ETF that owns stocks and sells call options to generate extra income (higher yield, limited / capped upside).

Earnings Report: A company’s quarterly financial performance summary.

EPS (Earnings Per Share): A company’s profit divided by its number of shares.

Market Cap: A company’s total value (share price × number of shares).

ACB: The total amount you’ve paid for an investment, including the purchase price plus any fees or commissions.

Book Value: The value of a company according to its financial statements (assets minus liabilities).

Yield: Annual dividend as a percentage of the stock/ETF price.

Liquidity: How easily an asset can be bought or sold without impacting its price.

Volatility: The degree of price fluctuations in a stock or market.

Index: A benchmark of stocks (e.g., S&P 500, Nasdaq, TSX).

Bull Market: A period of rising stock prices and optimism.

Bear Market: A period of declining stock prices and pessimism.

False Breakout: When a stock’s price moves above (or below) a key level, making it look like a new trend is starting, but then quickly reverses back.

P/E Ratio: Price-to-earnings ratio (stock price ÷ EPS), used to assess valuation.

Blue Chip: Well-established, financially strong companies with a track record of stability.

Diversification: Spreading investments across assets to reduce risk.

Broker: A platform or firm that facilitates buying and selling investments.

Limit Order: An order to buy/sell a stock at a specific price or better.

Market Order: An order to buy/sell a stock immediately at the current market price.

Bid/Ask Spread: The difference between the highest price buyers offer and the lowest price sellers accept.

Dollar-Cost Averaging (DCA): Investing a fixed amount regularly to reduce the impact of market swings.

Capital Gain/Loss: Profit or loss from selling an investment for more/less than its purchase price.

IPO: When a company first sells shares to the public.

Index Fund: A fund designed to mirror the performance of a market index.

Short Selling: Selling borrowed shares, hoping to buy them back cheaper.

Margin: Borrowing money from a broker to buy investments, which amplifies gains and losses.

Margin Requirement: The minimum amount of your own money (equity) you must maintain in a margin account to open or keep a leveraged investment position.

Margin Call: A demand from your broker to deposit more funds or sell assets because your account equity has fallen below the required margin level.

Time Horizon: The length of time you plan to hold an investment before needing the money. Short horizons = more risk-sensitive, long horizons = more room to ride out volatility.

Stock Split / Reverse Split: A split increases the number of shares (e.g., 2-for-1) while lowering the price per share. A reverse split reduces the number of shares (e.g., 1-for-10) while raising the price per share. Your overall value doesn’t change just the math.

Long (Being Long): Buying a stock or asset because you expect the price to go up.

Short (Being Short): Selling a stock you don’t own because you expect the price to go down, so you can buy it back cheaper later.

TER: The total yearly cost of owning a fund, including the management fee plus other costs like administration, audits, and legal fees.

MER: The annual cost that a fund charges for management (includes any leverage costs if used).

Management Fee: A portion of the MER that goes directly to the fund managers for running the fund.

Withholding Tax: A tax deducted on dividends/distributions from foreign investments (e.g., U.S. dividends to Canadian investors face a 15% withholding in TFSA/Non-Registered accounts).

Total Returns: The full picture of an investment’s performance, including both price gains and dividends/distributions.

CAGR: The average yearly growth of an investment over time.

NAV: The price of one share of a fund (stock or etf)

NAV Depreciation: When the fund’s share price goes down over time.

Mutual Fund: A pool of money from many investors used to buy a mix of stocks, bonds, or other assets.

Bond: A loan you give to a company or government, and they pay you back with interest.

Asset: Anything valuable you own that can generate money.

Portfolio: Your collection of investments.

Option: A contract that gives you the right (but not the obligation) to buy or sell a stock at a set price.

Future: A contract to buy or sell something at a set price on a future date.

REIT: A company that owns real estate and pays investors income from rent.

Alpha: A measure of how much better (or worse) an investment did compared to the market.

Beta: A measure of how much an investment moves compared to the market.

Sharpe Ratio: A way to see if returns are worth the risk taken.

Hedging: Protecting your investments from risk.

Rebalancing: Adjusting your portfolio back to your target mix of assets.

FCF: Free Cash Flow

Understanding these terms makes investing far less intimidating.

If anyone feels other terms should be included, please share in the comments.

I’ll update this post so we can build a complete beginner-friendly resource together!

*Sorry tagged a few etfs for reach 🫣read more

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Anderson

@siwel1976

Rate my Portfolio · 14m

Take a look

What do yall think? TIA $SPYM $SCHD $VGT $QNDX

2 views

Adriano Starinieri

@adrian_pii

Passive Income · 1d

Portfolio Down $165K in 1 Day: Am I Worried?

https://youtu.be/CviDRq3NMRg

406 views

Erza

@erza7

Personal Finance · 16m

AI sell off buys

The AI stocks I consistently go for are
ASML, AVGO, LRCX, CRDO, TSM, ARM, ALAB, MU, ANET, VRT, CLS, BE

I will keep dca’ing into them. They lack debt, maintain strong margins with impressive growth, which is expected to continue.

18 views

The Market Matrix

@themarketmatrix

Market News · 🔥 Hot

Stock Market Crash Blamed on Democrats

lol literally 5 minutes later:

“Stock market suffered one of the worst days in history.. your 401(k)s have, therefore, dropped. Remember, it wasn’t republicans, it was Dumocrats”

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Retired

@retired

Personal Finance · 🔥 Hot

I’m Cheering You On

No one sends you a congratulations card when you make the final payment on the debt that’s been suffocating you. No one celebrates when you open your TFSA and make your first $100 equity purchase.

Your friends might notice when you stop buying Starbucks every morning, but they won’t see the bigger picture.

No one applauds when you choose to invest instead of upgrade your car. When you stay home instead of spending money to keep up with everyone else. When you increase your savings rate instead of your lifestyle.

When you keep buying through a market downturn while everyone else panics. When you reinvest your dividends instead of spending them. When you say no to something you want today because you’re building something bigger for tomorrow.

When you keep going for years without much to show for it except a growing account balance and the quiet confidence that you’re doing something right. Wealth is built in the moments nobody notices.

And then one day, you realize your investments can cover your living expenses. Your money is working while you sleep. Your future feels less dependent on a paycheck. Your choices are no longer dictated entirely by what you can afford this month. You’ve bought yourself something far more valuable than things.

You’ve bought yourself options. Freedom. Peace of mind. And perhaps the most rewarding part? You don’t need anyone else to notice. You know what it took to get here. Keep going. The quiet years are building something powerful.read more

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Moe

@moe_on_margin

Beginner Investors · 1d

Michael Burry’s Put Options portfolio

Like him or hate him you’ve got to admit he has legendary status calling the housing crisis and taking a short position that delivered billions….

In September Michael Burry initiated a series of LEAP put positions, for which he got mocked relentlessly... as a subscriber of his substack I've had the pleasure of monitoring his trades and I'd like to share with you guys his list of PUTS from his Sep. trading post and their current price then vs. now and how much he stood to gain or lose…. Ready?

1. $MU Puts
June 2027 expiry / Strike $500
Price on Sep. 28: $1,082
Price Today: $694
Est. unrealized gain: +300%-400%

2. $NBIS Puts
June 2027 expiry / $90 (he mentioned double digit strike)
Price on Sep. 28: $231
Price today: $130
Est. Unrealized Gains: +250%-350%

3. $CAT Puts
Dec. 2027 expiry / Strike $400
Price on Sep. 28: $819
Price today: $559
Est. Unrealized Gains: +400%-600%

4.$SOXX Puts (Currently ITM)
Sep. 2027 expiry / $420 ($140 after split)
Price on Sep. 28: $186
Price today: $137 (IN THE DAMN MONEY 😱)
Est. Unrealized Gains: +300%-400%

5. $PLTR Puts
Sep. 2027 expiry / $120 (assumed)
Price on Sep. 28: $186
Price today: $160
Est. Unrealized Gains: +60%-100%

6. $NVDA Puts
Sep. 2027 expiry / $150 (assumed)
Price on Sep. 28: $228
Price today: $188
Est. Unrealized Gains: +120%-200%

Now tell me again how Burry’s lost his way or is delusional!!!

He’s 6 for 6 with triple digit gains on every position!!! 😱 read more

868 views

Lamar

@aleitheia712

Beginner Investors · 17m

This Earnings Week

This earnings week is going to feature some important holdings in my portfolio, like $CRWV, $RGTI, $QBTS and $CBRS. For Coreweave, I have full confidence that the stock is going to see some upward price action post-earnings. I think for me, everything hinges on cash on hand, their growing backlog, and the progress on data center projects. Per their last earnings call, $129 billion is almost locked in, as the backlog from the previous quarter is going on this earnings report. I'm curious how many other RPOs they've been able to secure, and I'd like to see something over $140 billion, maybe even $150 billion.

For $RGTI, the earnings are always all over the place because if they sell a certain number of quantum computers or their Novera systems, the revenue will show a certain amount, but if those sales stall during the next quarter, the revenue could be vastly different. I'm always curious to see what they have to say. $QBTS has actually seen some profitability in the past quarter and has commercially available quantum systems, but their last quarter was a little disappointing.

For $CBRS, I've been waiting for the final lock-up period to expire, as well as this next earnings call. I'm overall a little hesitant about Cerebras right now, but I'm curious what they're going to say. If they beat expectations and their cloud business continues to grow, the narrative could shift pretty quickly, but the fact that insiders are heading for the door all at once is concerning, although in my opinion, sub-$80/share is a decent price to dollar-cost average into.

What earnings call are you going to be most interested in?

$NU , $ASTS, $ONDS, $WSE, $NBIS, $CSCO, $ZETA, $QBTS

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Ashton Invests

@ashton_1nvests

Analysis · 18m

Oscar Health Earnings Recap

Just published my full Oscar Health ($OSCR) Q3 2026 earnings recap!

As a long-term shareholder, I came away very encouraged by the results.

Revenue grew 72% year over year, medical loss ratio improved significantly, and the company continues making impressive progress toward sustained profitability.

I also covered the concerns around membership, risk adjustment, and what I’m watching heading into 2027.

The more I dig into Oscar’s financial progress, the more interesting I find its long-term opportunity.

Here’s my full breakdown!

https://ashtoninvests.substack.com/p/oscar-health-q3-2026-earnings-recap?r=4hxpzl&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true read more

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Raph @convictedbull

Bought

HIMS @ $26.04

↑ position by 1%

21.15→21.29%

of total portfolio

Manually added

Last-Minute Buy: 25 HIMS Shares Acquired

I know I said I wasn’t buying anymore before earnings but I can’t help myself. This is my last buy (or is it ?)

342 views

Carlos L @retirement_rants

Passive Income · 19m

Interview with Moe

From Moe’s channel…
What does it take to retire at 55, and can covered call ETFs help replace your employment paycheque? In this episode of Moementum Finance, I'm joined by @retirement_rants, an investor on Blossom community who retired at 55 in September 2025 after more than a decade of investing primarily in index ETFs like VFV (S&P 500) and QQC (Nasdaq 100). But as retirement approached, Carlos made an interesting transition: moving from traditional growth-focused index investing to diversified covered call ETFs targeting approximately 12–16% annual income.

Carlos shares his inspiring journey from growing up in a household where money and investing weren't openly discussed, to discovering the stock market at 42, building wealth through consistent investing and the power of compounding, and eventually achieving early retirement. We discuss why he moved toward income investing, how covered call ETFs help him generate monthly cash flow, and why replacing his employment paycheque without regularly selling shares became an important part of his retirement strategy.

We also get into his actual portfolio holdings, including QQCL, HYLD, USCL, QDAY and BDAY, why he avoids single-stock covered call ETFs, how he approaches diversification, and why he doesn't believe investors should simply chase the highest advertised yields. Carlos also shares his thoughts on the 4% rule versus his approximately 8% portfolio withdrawal/spending rate, managing market downturns, maintaining a cash reserve, and balancing retirement spending with reinvestment.

Beyond investing, Carlos discusses the realities of retiring at 55, travelling with his wife, managing RRIFs, LIFs and TFSAs, deferring CPP and OAS, and some of the financial decisions he would have made differently, including making greater use of a spousal RRSP. He also shares valuable lessons about funding his children's education through RESPs and teaching the next generation about investing.

Disclaimer: This video is for educational and informational purposes only and does not constitute financial advice. High-yield covered call ETFs carry risks, distributions are not guaranteed, and a high distribution yield does not necessarily translate into a high total return. Past performance is not a guarantee of future results. Information is accurate as of the posting date and may change over time.

Thanks again Moe
Really enjoyed it!

https://youtu.be/YN0Tw5ZtDZ8?si=QFJM3GZB2xfDyXHPread more

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Buythedip

@buythedipzw

Analysis · 🔥 Hot

Wow 🤯 there’s an opportunity here for first timers

I feel like if you haven’t invested in AI the time is now. You will most certainly see a return in your future.

If you’ve ever been curious about investing in AI but didn’t know when the right time was, I think now maybe the time. I’m team full recovery. ❤️‍🩹🩺

Did the Ai bubble officially pop?

🫧 there is no bubble

💥 the bubble just popped

🩺 due for a full recovery

1061 votes · 3d left

15K views

LM @retiredyoung

Personal Finance · ⭐ Featured

Preparing for the inevitable.

I am currently 47 years old. Unfortunately in that time frame I have lost a lot of family members. Some (most) were accidents, some to age, some to cancer, and one to suicide. That’s 11 deaths total. Only 1 person out of 11 had a will.
When you are grieving the last thing you want to do is close an estate up.
It’s even harder if nothing has been prepared in advance.
After the initial shock of the death settles (the phase where everyone is usually nice), greed comes through in a most alarming manner. I’ve watched people turn into monsters. Make sure you have a will!!!! or people will fight.

I know most people hate thinking about their death or their spouses death but honestly it’s just a fact of life.

I’ve personally been the executor of 2 estates now.

This is my advice:

1. If your young get life insurance. If you’re retired it’s not worth it.
2. Make sure you have a will.
3. Make sure you have a personal directive.
4. Make sure you have a power of attorney set up.
5. If your married make your spouse the beneficiary of your TFSA and RRSP(has to be done through the account not the will), they will roll into the spouses account without taxation.
6. If you’re married, and you own a house, make sure both names are on the title, joint tenant, NOT tenant in common. This activates right of survivorship on property and doesn’t have to go through the estate.
7. If you’re married, both people should have their name on all the vehicles, joint, otherwise it’s a headache after death.
8. Buy a file folding system. I have a plastic one that has a clasp and handle.
9. Put EVERYTHING in this file folder that would be needed if you died tomorrow.
a) all land titles
B) information on house insurance so it can either be eventually canceled or name changed over.
C) your will (or the location of your will), power of attorney, and personal directive
D) the information for your car, car insurance, and registration on vehicles.
E) information on life insurance.
F) all current year papers needed for filing your taxes. Because the survivor will have to do it and will need that information.
G) where your household bills are. ALL OF THEM, electricity, gas, Netflix, magazine, subscriptions everything you can think of that is in their name. Because you are going to have to cancel them.
H) their credit card information where to contact to cancel the cards
I) birth certificate, SIN numbers, marriage, license, etc.
J) information on all your investments accounts, bank accounts, etc.
K) anything else you can think of for your situation

If you’re married, I’d have one box per person.

When you die, the funeral home will issue many death certificates. And your lawyer will give you copies of the will.
These will be needed to change over any accounts. Everything else goes through the estate which is taxed and the lawyers take their fees so I’d avoid this as much as possible especially if you’re married. This is why having property in both people‘s names is so important because it doesn’t have to go through probate.

I am widowed now and I have my black file folder and my two remaining children know if something happens to me, all they have to do is grab the folder. Everything they need to take care of my estate will be located in this folder.

At the beginning of every year, I open this file up and go through everything to make sure it’s up-to-date.

If you are young and do not own much or can’t afford a will, you can draft one up but it must be handwritten to be classified as a legal document. You cannot type it out!! If you’re not worth much, everything will most likely be sold to pay your bills and cover your funeral expenses. But you can state who your executor will be in your handwritten will.

Disclaimer I’m not a lawyer or an accountant and this is not legal advice. Talk to a lawyer and talk to an accountant. Make sure everything is set up for you and your situation. These are situations that I personally ran into.

Good luck

Also I’ll add in. IF you have a lot of assets make an appointment with your accountant first. They will tell you how to properly set things up. Then take that information to your lawyer. read more

297K views

Maxwell

@maxstocks

Market News · 🔥 Hot

🤑 What Blossom investors bought/sold on crash day

🔍 Just did some analysis from the $500m in trading on Blossom this week - any surprises?

👀 Most interesting to me was this first chart… folks with $100k portfolios were buying, folks with <$10k portfolios were selling…

Linking the tickers below for easy access:

🤑 What Blossomers bought yesterday:

- $NVDA
- $GOOGL
- $TQQQ
- $HHIS
- $SOXL
- $QQQM
- $TSM
- $BE
- $QQC
- $ZSP

😰 What Blossomers sold yesterday:
- $AMZN
- $META
- $TSLA
- $MU
- $SNDK
- $APP
- $CASH
- $MSFT
- $HOOD
- $NBIS

🔄 The biggest shifts (positive)
- $NVDA
- $MU
- $SHOP
- $PLTR

🔄 The biggest shifts (negative)
- $IREN
- $NBIS
- $GOOGL
- $APP
- $AMZN
read more

🤑 What Blossom investors bought/sold on crash day — image 2 of 4

🤑 What Blossom investors bought/sold on crash day — image 3 of 4

🤑 What Blossom investors bought/sold on crash day — image 4 of 4

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@brownsugar

Community · 24m

Celebrate Diwali with Prosperity and Investing

Happy Sunday, Blossom! And Happy Diwali to any one celebrating today! 🪔❤️

Diwali is a celebration associated with prosperity, abundance and new beginnings. Goddess Lakshmi, who represents wealth and prosperity, is also honoured during this time!

I'll be celebrating with friends and family, and I already know there will be plenty of conversations about investing, personal finance and everyone's financial goals. Maybe I'll inspire a few more people in my circle to start their own investing journeys along the way!

This year has certainly been a challenging one for me, and moments like these remind me of what I'm ultimately working towards. Building a comfortable life, having financial independence, creating memories with the people I love and being able to enjoy the fruits of all that hard work.

Here's to growing our wealth, sharing what we learn and building brighter futures together. wishing everyone lots of wealth, happiness and prosperity hehe 💚

Happy Diwali! ✨ and Happy investing! I hope the week starts of good for us 💚💲read more

30 views

Aj @aj705

Passive Income · 27m

New to Blossom: Navigating Portfolio Sharing and Investment Strategies

I’m pretty new to Blossom and while I very much like the idea of a community of investors helping one another It’s a bit bewildering that so many people want to publicly share their portfolio. I choose to manually add one share of each ticker I’m invested in because I didn’t want to make my life savings public.

I’m not sure if the feed I see is representative of the whole Blossom community but if so, it seems most people here are income investors. There’s nothing necessarily wrong with that. I have a bit over half my portfolio in covered call strategies or single name dividend payers. Getting that regular income mentally helps me through any downturns plus I have control over how I allocate the distributions but, the math says it doesn’t perform as well as non-covered call index investing on a total return basis.

I also noticed there are an awful lot of posts in my feed from people investing in the DayMAX funds, $MSTR and $MSTE. I honestly like the idea of the 0DTE covered call but I’m very hesitant to employ a strategy with an additional layer of leverage (even if it’s “modest”). For those with more than 10% positions in $MSTR / $MSTE I worry about how things will end up for you. For one thing, having concentrated positions any single name is dangerous, but especially so when the underlying assets are questionable.

Regardless of your holdings or investment thesis, I wish everyone success. If no one takes the other side we don’t have a market. So it’s good to be able to disagree with people.

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Gerard

@gerardinvesting

Technology · 29m

$1M Challenge

Week 28 of the $1K → $1M Stock Flipping Challenge 📈

Current trade: Oracle Corporation

Starting balance: $1,000
New balance: $775

Goal: doubling my money every time until I reach $1M

It’s not about hitting home runs — it’s about consistent growth and smart trades.

I buy great stocks that I believe are undervalued and wait for them to go up 100%. Then I sell and buy the next stock with the amount accumulated until i complete 10 trades. That would give me $1M starting with only $1,000. You think I can pull this off?

Week 28 is in the books.

Let’s see what Week 29 brings.

Follow the journey 📊

$ORCL read more

+0.82%

1.1% held

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Sarah Giver

@staystronggiver

Community · 🔥 Hot

Most people don't have it figured out!

Investing like life requires courage and conviction. We all have terrible days.

Markets are red this week because when it rains...it pours.

For Halloween, my son wanted to dress up as Micheal Jackson from the Thriller music video. I challenged myself to make my Halloween costume (a zombie back up dancer) without spending any money whatsoever. I had plaster bandages lying around because of my previous job in healthcare. I used it to make a 'terrifying' zombie mask. Although my husband joked it was an improvement 😅. Just my luck a FedEx delivery came to my home during the 20 minutes that the plaster bandages needed to set. I couldn't even open my mouth when I answered the door. I scared the poor delivery man!

I tried my best to create some childhood memories for my son, but he HATES trick or treating and was miserable the whole time.

To quote him:

'Mama knocking on people's houses and expecting to take something home is ROBBERY'.

Parenting is one of those roles where you always feel like you're failing, but you just got to laugh and keep going.

I also had a stressful day at work and I ended up yelling at my boss in frustration (and getting written up for it). Everything is good now, but I figured I'd share because I want to make it clear that despite online appearances, NO ONE HAS THEIR SHIT TOGETHER!

Never compare your investment/career/personal life journey with people's online 'highlight' reel. We are all fumbling and just trying to do our best. I am proud of y'all for showing up and staying invested. The only one amongst us who has never bought high and sold low at some point....is the person who's never invested!

Cheers to spooked market blood baths and whatever life throws at us. We will all get through it together. ❤️

Let me know how you like our costumes!

PSA if you make a plaster mask, remember that you MUST put Vaseline all over your face first!read more

Most people don't have it figured out! — image 2 of 4

Most people don't have it figured out! — image 3 of 4

Most people don't have it figured out! — image 4 of 4

720 views

Philippe

@flipflopfinance

ETFs · 🔥 Hot

Flip Flop Finance x Retail Rundown Podcast

Hey guys!!!

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

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

https://youtu.be/tNoNucq9Lsc

27K views

Daniel Ocasio @esquire1229

Market News · 15h

Noooooo Kalshi

Holly crap I won by a miracle staying away from this, the winnings are going to $QQQM

+1.26%

15.0% held

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Mr Financial

@mr.financial

Beginner Investors · 1h

Should You Buy the Dip? What dip? 🧐

"Buy the dip!" That drum is beat soooo often on social media. Sounds simple enough. The market drops half a percent or even a percent or even more, you buy more, and eventually the market recovers. EASY right?

There's one little problem though. You actually have to know WHEN to buy.

Look at the chart I'm sharing. The market experiences declines of 1% or more VERY often.

These aren't extraordinary events. They're part of normal market behaviour. Yet every time they happen, investors start talking about buying opportunities, waiting for a bigger correction or keeping cash on the sidelines until the market drops further.

But is buying the dip actually a better strategy than staying invested?

A 2024 study published in the European Financial Management journal by Stefano Bonini and two other academics examined exactly this question.

Their research compared holding cash and waiting for market declines against investing in a stock market ETF... so it was pretty relatable for the average DIYer.

What did they find???

Buying the dip does NOT necessarily maximize your real ending wealth. The results are HIGHLY SENSITIVE to market conditions when you begin investing.

Something else to note, under certain conditions, buying the dip can improve risk adjusted performance compared with passive investing or traditional dollar cost averaging. BUT there's a MASSIVE catch..... the strategy is subject to estimation risk.

In other words, you have to make assumptions about when the market offers an attractive buying opportunity and getting those assumptions WRONG can undermine the strategy.

This is why I don't actively "buy the dip" or suggest other too.

I don't want to sit on cash waiting for a correction that may take months or years to arrive. And I don't want to turn investing into a guessing game where I have to decide whether a 1, 2, 3, 4, 5% decline is enough, whether I should wait for 10% or whether the next 20% drop is just around the corner.

My strategy is to stay invested, maintain my asset allocation, and rebalance when necessary.

Does that mean you shouldn't invest when the market is down???? Absolutely not!!!! If you have new money to invest, a market decline doesn't need to scare you away.

There's a difference between investing consistently when markets are down and holding cash specifically because you're trying to time the next dip.

In my October Portfolio update, I share what I did during the tech sell off and what saved my portfolio. If you don't know my investment style, you'll be surprised what did!

https://youtu.be/H5JMG8Z_okg

What about you? Do you actively buy the dip or do you prefer staying invested and letting the market do its thing?

read more

74 views

Jasper Vanneste

@burnzftx

mentioned AMD · 2h

AMD

This seems like a positive step that will be beneficial and valuable for the future, offering promise and potential for growth and success.

14 views

Perry's PIIverse

@piiverse

Passive Income · 7d

I Had Cash! Why Did I Borrow??

This week we bought a new car (yes the one in the video title). But how I financed it and further optimized my PIIverse retirement portfolio is the big story !

https://youtu.be/46c9rUZJgSA

560 views

Cole Delarosbil

@investingwithcole

Beginner Investors · ⭐ Featured

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

Here are 🚩3 big flags🚩that signal a company might not be a good investment, and I'll walk you through how to check for each one.

(Free Stock Checklist at the end)

---

1️⃣ Declining Revenue or Earnings📉

🛑 Why it’s a red flag:A company with falling revenue or earnings may be losing market share, dealing rising costs, or the overall industry is shrinking.

✅ How to Check for This:

A) Look at the Income Statement📊
- Find the company’s total revenue and net income in its latest financial report. Top-line & bottom-line, respectively.
- Compare revenue and net income across multiple quarters/years. 3 years or 12 quarters is more than enough to indicate a trend
- If both are consistently declining, it’s a warning sign.

B) Check Earnings Reports🗂️
- Look at the company’s quarterly earnings reports to see if they’ve missed expectations multiple times.

C) Compare to Competitors🔍
- Is the entire industry struggling, or just this company?

📚Website for financial reports:

https://www.marketwatch.com/

---

2️⃣ High Debt Levels

🛑 Why it’s a red flag:Companies with a capital structure heavily debt-reliant are more vulnerable in economic downturns and might struggle to repay obligations.

✅ How to Check for This:

A) Find the Debt-to-Equity Ratio (D/E)📊
- Go to the company’s Balance Sheetin its latest report.
- Find Total Debt and Total Equityand calculate: Debt-to-Equity Ratio = Total Debt ÷ Total Equity**
- A D/E ratio above 2.0 (varies by industry) is usually risky.

B) Check Interest Coverage Ratio🔍
- Look at the Income Statement for EBIT (Earnings Before Interest & Taxes).
- Find Interest Expense and calculate:Interest Coverage Ratio = EBIT ÷ Interest Expense
- If this ratio is below 1.5, the company may struggle to pay interest.

📚 Resources:

https://www.investopedia.com/terms/d/debtratio.asp#:~:text=Key%20Takeaways&text=A%20company's%20debt%20ratio%20can,has%20more%20assets%20than%20debt

---

3️⃣ Poor Cash Flow

🛑 Why it’s a red flag:A company can be profitable on paper but still run out of cash to fund operations.

✅ How to Check for This:

A) Find the Cash Flow Statement📜
- Look at Operating Cash FlowOCF).
- If OCF is negative for multiple quarters, the company may be in trouble.

B) Check Free Cash Flow (FCF)💰
- Free Cash Flow = Operating Cash Flow - Capital Expenditures
- A company with negative FCF can’t reinvest in growth without taking on debt.

📚 Read more about Cash flow:

https://www.investopedia.com/articles/stocks/07/easycashflow.asp
___________________________________________

Thanks for reading, I am open to engage in friendly conversations so I encourage you to leave a comment!💬

Access my free stock checklist at the link below⬇️

https://investingwithcole.gumroad.com/l/stockchecklist

read more

🚩 3 Red Flags to Watch for When Buying a Stock 🚩 — image 2 of 4

🚩 3 Red Flags to Watch for When Buying a Stock 🚩 — image 3 of 4

🚩 3 Red Flags to Watch for When Buying a Stock 🚩 — image 4 of 4

111K views

Moe

@moementumfinance

Milestones · 14h

The Podcast Is Getting Some Moementum! 🎙️🔥😆

A little milestone worth celebrating! The Moementum Finance Spotify Podcast has officially reached 5,000 plays and downloads on Spotify! 🚀 What started as a passion for sharing financial knowledge, investing insights, and helping Canadians build wealth is growing one conversation at a time featuring many amazing Blossomers.

A huge thank you to everyone who has listened, supported, shared, and been part of this journey. Your support means a lot! ❤️

Here's to many more conversations and milestones ahead! 🥂

🎧 Listen on Spotify: https://open.spotify.com/show/6Ju5r3cXUOSNtFlOzc9ovV

1,482 views

Jordan Collier

@coveredcalletfinvesting

Passive Income · 10d

Obliterate The 9-5 With This One High Dividend ETF

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

https://youtu.be/QFvlEWdMMAI?si=YAVwrdXBxoC1QUqe

182 views

Estevez Jorge Mario

@estevezjorgemario

Beginner Investors · 18h

+$1,639,900 IN REALIZED PROFITS – GOD IS GOOD! ❤️🙏

🙏 GOD HAS BEEN GOOD TO US THIS WEEK!

Looking back at yesterday trades, all we can say is THANK YOU, GOD! We had a strong finish to the week, and we’re grateful for how everything worked out.

Earlier in the week, we had already secured $224,000, followed by another $484,250. On Friday, we locked in another $1,639,900 in profits by closing out nine options positions.

📊 HERE ARE THE NINE TRADES WE CLOSED ON FRIDAY:

$OKLO – $19.50 CALL
Expiration: November 13, 2026
Contracts: 1,500
Profit: +$454,500 (+192.99%)

$AMD – $415 CALL
Expiration: November 13, 2026
Contracts: 100
Profit: +$277,250 (+116.98%)

$IREN – $19 CALL
Expiration: November 20, 2026
Contracts: 1,500
Profit: +$239,250 (+64.31%)

$SPCX – $130 CALL
Expiration: November 27, 2026
Contracts: 255
Profit: +$153,000 (+109.09%)

$DELL – $320 CALL
Expiration: November 13, 2026
Contracts: 100
Profit: +$141,250 (+67.10%)

$TSLA – $357.50 CALL
Expiration: November 20, 2026
Contracts: 150
Profit: +$111,000 (+65.78%)

$BE – $172.50 CALL
Expiration: November 13, 2026
Contracts: 100
Profit: +$97,500 (+95.12%)

$NBIS – $130 CALL
Expiration: November 27, 2026
Contracts: 110
Profit: +$89,650 (+68.20%)

$META – $610 CALL
Expiration: November 20, 2026
Contracts: 100
Profit: +$76,500 (+34.69%)

🚀 FRIDAY’S REALIZED PROFITS: +$1,639,900

Some of these trades took a little patience, but we stayed with our plan and took our profits when we felt it was time to take the money off the table. Not every trade will be a winner. We’ve had losing trades too, and that’s part of trading. What matters is knowing when to take profit, knowing when to cut a loss, and not letting one bad trade eat into the money we’ve already made. We don’t have to win every trade. We just have to trade smart and protect our accounts.

📊 OUR CURRENT OPEN POSITIONS

$INTC
$MRVL
$AVGO
$NVDA
$ORCL
$PLTR
$VRT
$CRDO

🙏 GOD, WE THANK YOU FOR YOUR GRACE

Heavenly Father, we come before You today with hearts full of praise, worship, and thanksgiving. You alone deserve all the glory, honor, and praise. Before we ask You for anything, we first want to lift up Your holy name and thank You for Your goodness, mercy, and faithfulness.

Your Word says in Psalm 100:4 (KJV):

“Enter into his gates with thanksgiving, and into his courts with praise: be thankful unto him, and bless his name.”

Lord, we bless Your holy name! Thank You for carrying us through another week, for the blessings we have seen, and even for the ones we may not have noticed. Thank You for Your protection, Your grace, and Your unfailing love.

As we spend time with our loved ones, please watch over every member of this community and their families. Protect their homes, keep their loved ones safe, heal those who are sick, comfort those who are hurting, and provide for those who are in need.

Give us strength when life gets difficult, wisdom when we have decisions to make, and peace when our hearts are troubled. Go before us in the coming week, open the right doors, guide our steps, and keep us under Your protection.

Lord, help us always remember that every good thing in our lives comes from You. Keep our hearts humble and grateful, even when life is going well. Watch over our families, strengthen us through every challenge, and never let us lose faith in Your promises. May Your hand continue to guide us and Your blessings remain upon us. In Jesus’ name, Amen. 🙏❤️ read more

+$1,639,900 IN REALIZED PROFITS – GOD IS GOOD! ❤️🙏 — image 2 of 5

+$1,639,900 IN REALIZED PROFITS – GOD IS GOOD! ❤️🙏 — image 3 of 5

+$1,639,900 IN REALIZED PROFITS – GOD IS GOOD! ❤️🙏 — image 4 of 5

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5.3% held

1,870 views

Elliot C

@elliotco

Market News · 18h

This Is the Turning Point

Thursday was ugly. The Nasdaq dropped 5.5%, its worst day since April 2025, and closed more than 10% below its recent high. Micron fell 17% and Nvidia fell 9%.

Then Friday happened. Micron bounced 5%, and Nvidia was back in positive territory for the year.
That's why I think this is the turning point. The selloff wasn't about earnings or demand. It was fear.

Democrats won the midterms, and worries about tighter AI infrastructure regulation set off the profit-taking. A research note declaring the AI trade over added fuel.

None of that changes the demand I wrote about in my CoreWeave, Broadcom, and Micron posts. The buildout is still happening.

The Fed is the one thing that could make me wrong. Hawkish commentary at the end of the week already took some of the air out of the rally.

Corrections like this shake out the weak hands. I'm staying put.

read more

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438 views

Maxwell

@maxstocks

Market News · 21h

📊 Some more charts for the weekend!

💕 You guys loved my charts yesterday so I may have locked in until 3am last night and made a library of shareable cards that I can refresh daily to uncover other cool insights 😅

💡 Here are a few stock specific ones from the week:

📊 Some more charts for the weekend! — image 2 of 4

📊 Some more charts for the weekend! — image 3 of 4

📊 Some more charts for the weekend! — image 4 of 4

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Chantelle

@by.chantelle

Market News · 🔥 Hot

Bought

GOOGL @ $281.07

↑ position by 60%

1.65→2.61%

of total portfolio

Manually added

The Nasdaq is down more than 4% today 🩸🩸🩸

Reports point to fears about AI spending and data-centre worries after the election.

I just added some Alphabet.

I'm a long-term investor, so I'm looking at what I want to own through the noise, not one day's move.

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7,812 views

Moe

@moementumfinance

Passive Income · 2d

From Index Funds to Covered Calls; Why?!

What does it take to retire at 55, and can covered call ETFs help replace your employment paycheque? In this episode of Moementum Finance, I'm joined by @retirement_rants, an investor on Blossom community who retired at 55 in September 2025 after more than a decade of investing primarily in index ETFs like VFV (S&P 500) and QQC (Nasdaq 100). But as retirement approached, Carlos made an interesting transition: moving from traditional growth-focused index investing to diversified covered call ETFs targeting approximately 12–16% annual income.

Carlos shares his inspiring journey from growing up in a household where money and investing weren't openly discussed, to discovering the stock market at 42, building wealth through consistent investing and the power of compounding, and eventually achieving early retirement. We discuss why he moved toward income investing, how covered call ETFs help him generate monthly cash flow, and why replacing his employment paycheque without regularly selling shares became an important part of his retirement strategy.

We also get into his actual portfolio holdings, including QQCL, HYLD, USCL, QDAY and BDAY, why he avoids single-stock covered call ETFs, how he approaches diversification, and why he doesn't believe investors should simply chase the highest advertised yields. Carlos also shares his thoughts on the 4% rule versus his approximately 8% portfolio withdrawal/spending rate, managing market downturns, maintaining a cash reserve, and balancing retirement spending with reinvestment.

Beyond investing, Carlos discusses the realities of retiring at 55, travelling with his wife, managing RRIFs, LIFs and TFSAs, deferring CPP and OAS, and some of the financial decisions he would have made differently, including making greater use of a spousal RRSP. He also shares valuable lessons about funding his children's education through RESPs and teaching the next generation about investing.

💬 I'd love to hear from you: Once you reach retirement, would you sell shares in retirement, or switch to covered call ETFs and collect distributions? Let me know why in the comments!

Disclaimer: This video is for educational and informational purposes only and does not constitute financial advice. High-yield covered call ETFs carry risks, distributions are not guaranteed, and a high distribution yield does not necessarily translate into a high total return. Past performance is not a guarantee of future results. Information is accurate as of the posting date and may change over time.

https://youtu.be/YN0Tw5ZtDZ8?si=QFJM3GZB2xfDyXHPread more

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Blossom

@blossom

Market News · 2d

🐝 Daily Buzz: November 5, 2026

📊 Stocks cratered as the AI trade unwound. The Nasdaq plunged 5.52% to 24,315.00 and into correction, the S&P 500 dropped 4.36%, the Dow lost 3.44% and Canada’s S&P/TSX Composite fell 2.03%. All three U.S. averages posted their worst day since April 2025.

💾 Chips had their worst session since March 2020. The iShares Semiconductor ETF fell close to 11% with every component down more than 6%. Micron ($MU) sank 17.46% to $656.39, AMD ($AMD) dropped about 15%, Nvidia ($NVDA) fell 9% and Astera Labs lost roughly 17%.

📱 Qualcomm ($QCOM) dropped 10% despite beating estimates, undone by a weak earnings outlook. Morgan Stanley’s Joseph Moore said the debate has shifted to diversification, pointing to data center targets of $5 billion in fiscal 2027 and more than $15 billion by fiscal 2029.

☁️ Neoclouds took the brunt. CoreWeave ($CRWV) lost 11% while Nebius ($NBIS) and Iren ($IREN) each slid 16%, as data center restriction fears built after the election. Bernie Sanders called for a national data center moratorium Wednesday evening.

🏦 Canadian banks led the TSX lower, with Scotiabank ($BNS) down 3.60%, TD ($TD) off 2.88% and BMO ($BMO) losing 2.33%. Shopify fell about 5%.

🥇 Gold and silver extended their post-election rally on a weaker dollar and lower yields. December gold touched $4,155.80 and silver hit $53.49, both heading for their best week since August. The VIX spiked to 28.09, its highest since March.

👨🏻‍💻 Researched and written daily by @timemino read more

The Nasdaq just fell into correction on AI fears. Buying this dip?

Yes, loading up

No, more downside coming

508 votes · 3d left

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Brad Brunton @bradbrunton

Beginner Investors · ⭐ Featured

Summaries of some of my favorite investing Books 💯

For those who don’t have the time

Summaries of some of my favorite investing Books 💯 — image 2 of 5

Summaries of some of my favorite investing Books 💯 — image 3 of 5

Summaries of some of my favorite investing Books 💯 — image 4 of 5

291K views

Blossom

@blossom

Market News · 3d

🐝 Daily Buzz: November 4, 2026

📊 Election clarity sent stocks ripping. The Dow soared 3.03% to 53,356.12 for its best day since April 2025, the S&P 500 gained 1.58%, the Nasdaq rose 1.44% and Canada’s S&P/TSX Composite jumped 2.28% to a one-month high. Democrats took both chambers of Congress and Trump said he’d accept the results.

🍎 Apple ($AAPL) surged 5.31% to a record $349.51, pushing its market cap past $5.1 trillion. Its cautious approach to AI leaves it less exposed to the infrastructure spending now facing political headwinds, and slower data center construction could ease memory chip prices.

🛢️ Canadian energy names got crushed as crude collapsed. Vermilion Energy ($VET) fell 14.01%, Cenovus ($CVE) dropped 8.32%, Baytex declined 7% and Canadian Natural ($CNQ) lost 6.67%. U.S. crude fell more than 8% after JD Vance tied the Iran war to Republican election losses.

☁️ CoreWeave ($CRWV) dropped more than 7% as data center plays sold off. Its five-year credit default swap spread widened 3% to 1,139.7, and the Roundhill Neocloud ETF fell 6%. Texas governor-elect Gina Hinojosa has pledged an immediate data center moratorium.

🧴 Helen of Troy ($HELE) jumped 25.39% to $37.04 after confirming it rejected a $37-a-share cash takeover from Empower Brands, valuing it near $1.6 billion. The OXO and Hydro Flask owner says its standalone strategy offers more long-term value.

🍁 Canada’s trade surplus widened to a four-year high as exports hit a record, sending the loonie to a seven-week high. Suncor also reported adjusted earnings up 158% on stronger refining margins.

👨🏻‍💻 Researched and written daily by @timemino
read more

Apple hit a record while AI names sold off. Is being the anti-AI play the right bet from here?

Yes, Apple wins by sitting out

No, the AI names come back

227 votes · 2d left

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Mr Financial

@mr.financial

ETFs · 7d

Is HYLD a Concentrated Growth Portfolio?

$HYLD holds 9 underlying ETFs ($SDAY $QDAY are the most recent additions) with 150 stocks in total. So why does it have the concentration of just 38?

That’s what caught my attention when I dug into ALL its holdings.

When I calculated HYLD’s effective number of stocks, I got just 38. In other words, despite holding 150 individual stocks, the weighting makes it behave more like a portfolio of 38 equally weighted stocks.

And the concentration gets less income like and more growth like....

The top 10 stocks make up 40.7% of HYLD. The top 20? 65.6%...

And the bottom 50 stocks? JUST 4% of the portfolio.

So yes, HYLD owns a lot of stocks. But the number of holdings doesn't tell you much without looking at how they're weighted in the portfolio.

Then theres the sector exposure......
Technology accounts for roughly 39% of the portfolio, with names like NVIDIA, AMD, Broadcom, Micron and Palantir among its major holdings.

There's nothing inherently wrong with owning these companies. However, it does raise an interesting question about how diversified HYLD really is.

Is it a diversified high income ETF...... or is it essentially a concentrated U.S. growth portfolio with leverage and a covered-call strategy layered on top?

I dug into all of this in my latest HYLD ETF deep dive, along with its 12.5% yield, distributions, performance, fees, leverage and risk and answered some of the questions you asked.

And I also built a custom benchmark to see how HYLD stacks up against a portfolio with similar characteristics AND leverage.
https://youtu.be/dgUcuQmB48k

If you were buying HYLD primarily for its monthly income, would this level of concentration change how much you'd be comfortable holding in your portfolio?read more

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Trevor Heslop

@trevorheslopinvests

Analysis · ⭐ Featured

Question For Individual Stock Pickers🧐

What’s the most important thing you look for when researching a stock and finding a winner?

What are the things that a stock must have in order for you to own it?

Let me know below, i’m super curious!

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Brandon Beavis

@brandon

Community · 9d

Things are about to get a little hairy at Blossom!

This November, we’re putting our money (and moustaches) where our mouths are.

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

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

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

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

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

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

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

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

Let’s grow something good. Together!read more

3,928 views

BD Investing

@bdinvesting

Beginner Investors · 13d

Is it time to sell tech stocks?

2026 has been an exhausting year for growth investors.

Look at the $QQQ drawdowns this year:

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

Notice a pattern?

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

Different headlines, same fears.

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

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

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

Buy the dip & HOLDread more

Is it time to sell tech stocks? — image 2 of 2

4,608 views

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

Did the Ai bubble officially pop?

The Nasdaq just fell into correction on AI fears. Buying this dip?

Apple hit a record while AI names sold off. Is being the anti-AI play the right bet from here?