I've gotten many messages over the past few months from people asking to look at their porfolio. Usually when I see a portfolio I see many individual stocks making up a large % of a porflio, my first response is always to buy low cost index funds. I dont want to come off harsh but I feel the definition of investor arrogance is believing you're smarter than the market. Believing you can consistently pick winning stocks while outperforming millions of other investors including professionals with teams of analysts and access to far more information than you. The data says otherwise. • Around 80–90% of actively managed U.S. equity funds underperform the S&P 500 over a 15-year period. • These funds are run by professionals with teams of analysts, company access, and institutional research, yet most still fail to outperform a simple index fund. One thing you'll notice on social media: people love posting their biggest stock winners. Far fewer people post the stocks they lost 50%, 80%, or even 100% on. There's a reason why mutual funds and actively managed funds have historically underperformed against index funds..because even well paid fund managers with their teams cant beat the market overtime. For the record, I still own some individual stocks. My portfolio is roughly 93% ETFs and 7% individual stocks. I enjoy researching companies, but I also recognize the odds are stacked against consistently beating the market. That's why the foundation of my portfolio is broad-market ETFs not stock picks.read more
Over the past year I’ve spent almost every paycheque slowly building my portfolio while building and emergency fund and war chest for when the market pulls back, any advice for a first year investor I understand btc takes almost 50% but I’ve been dca my avg cost down over the length of the bear market I’m also thinking about making a 2.5k investment into sol around December early January as I feel the best buying opportunity is yet to come
The AI Memory Sector is still intact and we see the big names, like $MU, $STX, $WDC, $SNDK, and $SKHY reporting and beating earnings estimates, as well as showing strong balance sheets and free cash flow. Micron, for instance, has $26 billion in cash and equivalents as of its most recent earnings report. $26 billion! I've said it once, and I'll say it again: AI memory demand is not going anywhere anytime soon. It is going to accelerate as the world makes use of AI agents. I am glad to see the sector dip, and I plan on buying more $DRAM tomorrow.
https://wccftech.com/tsmc-holding-1-billion-apple-a20-pro-dram-delay/ "Apple can always rely on TSMC to fulfill its orders for millions of chipsets, but this year could tell a very different tale. However, the world’s largest semiconductor manufacturer isn’t at fault, as a previous report has stated that TSMC is sitting on $1 billion worth of A20 Pro units, but they can’t move to the next step unless sufficient DRAM supply arrives." $AAPL $TSM $DRAM
I'm the guy who did what you're not supposed to do: Several years ago, I was a space nerd and I had full conviction in a tiny, $2B market cap company: $RKLB I actually invested around the time of the IPO, building a modest position when the price was hovering between $10 and $15. Then, the speculative covid bubble burst, and the price plummeted to around $4 for a very long time. Being down 60%, I didn't panic sell. In fact, I doubled & tripled down several times. My final position was 5,500 shares at a cost basis of $5.95 USD. At the time, this was half my contribution room in my TFSA, which worked out to ~$42k CAD. There are many stories where a huge bet like this doesn't pan out, but in my case it succeeded tremendously. At RKLB's peak price, my TFSA was valued at $1.1M... as it stands now, my port is worth just under $800k as of this post. Dealing with both a hypervolatile portfolio and hectic life circumstances have numbed me to the day to day fluctuations of the market. At least, that has been my personal experience. I have had days where my portfolio is up almost $200k and days where I was down over $100k. These single-day fluctuations are greater than my annual salary at my day job. Crazy to think about, but I have been able to maintain a mental disconnect between the numbers on the screen and my day to day emotions. Have I trimmed? Yes. I sold 500 shares when RKLB was around $130. This doubled my initial investment and I only gave up 9% of my total position. I know the wise thing to do is to de-risk further, but RKLB is still my biggest conviction play and I am willing to let it ride as I don't need the money right now. If you want my future long-term picks, those would be $GRAB and $KLAR . The proceeds of my 500 share RKLB trim primarily went into these two stocks. Yes... I am still trying to beat the market. Stock picking generally doesn't work out in the long run, but I am having fun and I am confident in my theses for these two companies. I'll make another post in the future regarding my reasoning, so please follow if you find this stuff interesting or if you want to laugh at me if I lose it all. 😆 read more
recently pass this milestone and very happy about it. Worked hard to get it there and I do not give up to move towards FIRE 🔥 ! I setted up a investment plan a few years ago, I followed it carefully, I've been opportunist along the way but honestly, I just stayed Invested in the market and in the Journey ! Never gave up ! Thanks to many of you and some Finfluancers that gave ideas, opinions, tricks and most important : the passion of investing 🙏 Growth investors , income or hybride it doesn't matter, as long as we love what we are doing! Making money in the last past 3 - 4 years was almost easy.. I'm not a genius and far away of that 🤪 ! Just patient like Warren Buffet said, the market is a incredible machine of transferring money from impatients to the patients so stay invested folks ! What helped to reach the milstone was of course... the controversial $MSTE Recently decided to get on-board as I learned more about the company. When it launched, I didn't understand $MSTR so I decided to stay away, then I saw the sharp decline.. along with bitcoin and... Hmmmmmm... maybe a great opportunity to learn about it.. 🤔😏 I did my research and as an income investor that seeking capital growth I now owning over 15K shares at 2.50$ / shares.. 50% Yield on cost.. Just hopping I didn't burn myself on this one for too long.. but prety confident that it will growth overtime base on my research.. 🤞 Not over 10 % of the portfolio yet but didn't plan to get it over 15% even if my conviction is strong. But it might be the important key for the next milestone 😏🤑 and anyway, I have an exist plan as it's a risky one... always have a plan ! 😜read more
3 reasons why I bought $UBER yesterday despite its earnings selloff. (Simplified) 1: 24% growth in Gross Bookings to $58B. 2: Record Free Cash Flow of over $2B meaning that the company has an extra 2 billion $ after paying off operating expenses, this is extra cash they can use to make improvements or pay debts which in turn will make the company more economically efficient. 3: Core operating profit grew 33% to nearly $2.5B, which essentially means that the company is getting a lot cheaper to run. It’s important to see the difference between a company getting weaker and a stock getting cheaper. When short term fear creates a disconnect between price and fundamentals, that’s where I usually like to position myself. 👊read more
Today was Harvest's payday. I got paid $2,948.37 based on $0.1 /share distribution. After re investing my $MSTE distributions I now have 31,109 shares with an average cost price of $8.13 now. I have surpassed my original target of 30,000 shares. Next target is realistically 35,000 shares of MSTE hopefully by the end of this year depending on how the price of MSTE moves. For now my Capital Loss (on paper) is still negative $196,000 🙈. Thanks to @canadianinvestor he pointed out an error in my total return calculation. I have rectified it while responding to his comment, you can have a look at it below. Once the distributions are included my total return is -$150,200 This will recover eventually when $BTC /$MSTR recovers in 3 yrs times and reach new ATHs. I am patient and waiting for a great recovery. So far $MSTE has paid me $48,839 in distributions that have all been reinvested back into $MSTE You can see the numbers for proof in the attached screenshot. Pls do not follow what I am doing, you have been warned. I am just documenting my journey here and being transparent with proof. It's fun showing the winners but losses are also part of investing too. Invest wisely and stay blessed. Mitigate risk according to your own risk tolerance. Congrats to all those who got paid today. read more
Wealthsimple has a feature called “Portfolio Pulse”whereby you can be that proverbial “fly on the wall” and look into the private portfolios published anonymously. I found this to be a very interesting exercise. I reviewed the top 100 portfolios but examined in detail the top 10. #1 is $49,148,421.83 #2 thru 10 range between $15,147,052.02 to $8,767,708.57 As more investors elect to publish their portfolios the more we will get to see, but after looking at the top 100, there is a repeatable common portfolio structure to all of them and I developed a quick method to examining them into categories. This method you can actually use to examine Blossom portfolios. This is regardless of account type like 401K, RRSP etc. and more about being able to understand the portfolio as a “whole” and how it is “constructed”. So let’s start. Core → Satellites → Concentration (Risk Character). 1) Core = the “engine” Ask: What’s the #1 holding (or top 2–3 combined)? This tells you what the portfolio is really about and the investor. Common cores: - Broad index core (US/global equity ETFs) - Factor core (quality / low-vol / dividend-tilt style ETFs) - Theme core (tech/semis/innovation basket) - Single-name core (one stock dominates) If you can identify the core in less than 10 seconds, you’re already ahead in portfolio diagnosis. --- 2) Satellites = what it’s “tuning” Satellites are the positions that sit next to the core and change the risk/return personality. Typical satellite buckets: - Growth / Theme tilts (tech, semis, AI, platforms) - Income / defensive tilts (dividend ETFs, more defensive-style exposures) - Real assets / REIT sleeve - Currency/cash proxy (large USD or CAD allocation acting like “liquidity bias”) - Additional factor overlays (value, momentum, small-cap, etc.) Key intuition: Satellites usually explain the “why,” while the core explains the “what.” --- 3) Concentration = the “how risky is this?” reality check Don’t overthink it—just eyeball concentration: - Diversified: no single position dominates; many meaningful holdings - Moderately concentrated: top holdings matter, but it’s not “one bet” - Highly concentrated: one name (or one theme) is doing most of the work This matters because two portfolios can both be “growth,” but one is *one big bet* and the other is *a diversified growth tilt.* --- The 6 portfolio types this creates (simple labels) Once you’ve identified Core + Satellites + Concentration, you can usually label the portfolio quickly: 1) Index + Tilt - Broad equity core + a few purposeful overlays. 2) ETF Ladder / Multi-Core - Multiple big ETFs spanning regions/styles (often US + Canada + international + value/RE). 3) Theme Basket - A theme is the core and dominates the holding list. 4) Single-Name Conviction - One stock is the core; the rest are supporting actors. 5) Income / Defensive Overlay - Dividend/income/defensive exposures are prominent, even if equity-heavy. 6) Core All-Equity (near-passive) - Mostly one or two broad all-equity ETFs, with minimal satellites. --- A quick 30-second “portfolio read” checklist When you open holdings: 1. Circle the core: What’s #1 (and #2/#3 if close)? 2. Label satellites: Are the other big lines income/defensive, theme, real assets, or currency? 3. Check concentration: Is it diversified, moderate, or dominated by one bet? If you do this consistently, you will start to be able to see the patterns, the portfolios will stop looking like a bunch of tickers, and you start to see them by their architecture, structure, core, shell, diversification, allocation, and risk and then you will see by the daily and annual returns how these portfolios performed against the macroeconomic and market conditions and WHY. Only then can you call yourself an investor, when you can examine a portfolio and determine its structure, risk and the alignment of its return against the current economic and market backdrop.read more
🔥 On Saturday over 2,000 Blossomers came out from all across Canada for an incredible day of learning and connection! I was shocked to see close to 1/3 of folks travelled from outside of Toronto to join us, huge thanks to everyone who made the trip! ⚡️ The energy during the day was absolutely buzzing and it was so awesome to meet so many members of the Blossom community! Special shout out to Blossom's Creator of the Year @jacobb and Blossom's Rising Star @nettspend who won our community-nominated Blossom awards 👏 🌱 Blossom has grown from an idea, to an app, to a movement and BlossomCon is the biggest testament to that. To see 2,000 folks from all different walks of life take time out of their weekend to connect, learn, and build financial literacy together is exactly what Blossom is all about and I am so fired up to keep building for this amazing community 💕 😍 Can't wait for BlossomCon Vancouver and New York!!! (https://www.blossomsocial.com/blossomcon2026) 👏 Special shout out to the Harvest ETFs team for being our Headline sponsor for the 3rd year in a row and to all our amazing sponsors for making this event possible 🙏
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
What do you all think? Anything you’d change or add? Currently focusing on $META, $MA, & $SPYM. Roth = SPYM, QQQM, & SCHD Brokerage = SPYM, META, AMZN, ZETA, SOFI, & MA Currently like $CELH as a potential add, especially with the major dip, but I’m really trying to focus on ETFs first.. thoughts?
I started my Portfolio Line of Credit borrowing to invest through Wealthsimple on July 27, 2026. It would be with the intention of gradually borrowing more up to a maximum of $100K, to invest for at least 8-10 years unless something materially different happens which justifies ending the account earlier. So far, I have borrowed $25K and everything is invested in $XEQT. The borrowing rate is prime minus 0.50%, whixh is equal to 3.95% at the time of this post. My first interest charges deducted for borrowing from PLOC was $8.66 which is just added to my PLOC balance. I do not plan to pay back thr interest as the interest charged on the amount borrowed to invest could also be tax deductible. Please note this PLOC borrowing to invest is separate from my Smith Manoeuvre portfolio. Also note borrowing to invest can be risky so please do your own dilligence and assess your own risk tolerance before implementing something similar. Anyone else who has a Portfolio Line lf Credit? What do you tend to invest in?
$VOO– The responsible adult. Just keeps buying and doesn’t overthink it. $QQQM – The one who’s always talking about AI and tech. $SCHD – The one who reminds everyone to save money. They love seeing their dividend income grow year after year. $SCHG – The person who’s trying to beat the market. $JEPI – Wants a paycheck every month and is just waiting for that first week every month. Don’t take this seriously at all I just thought this was funny but let me know if u think this is accurate. read more
goal got to .25 BTC im going to hold for a bit my only goals for the year is get DRAM to 3% of my portfolio its at 2% and get 1,500 shares of SCHD I'm currently at 1,470. Buying the does pay off!
For those who are still doubtful and bearish in the whole space sector is in for a rude awakening. NASA just gave us an update on how things are going in regards to a future Lunar Outpost near the South Pole (of the Moon). They're currently in Phase 1 which is basically a rapid series of robotic missions to scout the lunar South Pole region, test technologies, and prepare for surface operations. Here's the link which gives us more details about the companies involved. We are WAAAAYYY too early for this and at least I'm already well positioned with my $LUNR and $RKLB holdings. Other companies like $VOYG, $FLY and $NOC will also be working alongside NASA to deliver rovers and landers. If ETFs are more your style, you can add the TEMA Space Innovators ETF $NASA which holds all of these companies (and a bunch others) for a bit less volatility. I just like to have more exposure and control than most, that's why I'm opting for individual stocks. 😁 The Space Sector is still in diapers and it's only gonna lift-off from here on (pun intended). 🚀 I'll continue adding little by little of course and super bullish on this exciting new sector! https://www.nasa.gov/missions/moon-base/nasa-provides-updates-on-moon-base-cargo-landers-tech-demonstrations/read more
8,927 shares strong. Every penny above $33.60 puts the position north of $300K. Years of consistent buying, reinvesting every dividend, and staying disciplined through every market cycle. The journey is far from over folks. 💪 How many $SCHD shares are you holding right now?
Zoox to become the first control-free robotaxi to charge fares. $AMZNAmazon’s Zoox will start collecting fares from passengers in Las Vegas on Aug. 10 The autonomous taxi business is getting interesting
