Somone recently asked me - what is the right strategy for Canadian investment. There is a deeper understanding before someone should answer that. You need to understand it for your own situation. Employer match first. Every time. No exceptions. Before you debate FHSA vs RRSP vs TFSA for an hour, ask one question: does your employer match contributions? If yes, that's a guaranteed 50–100% instant return — more than any market will ever hand you. Capture the full match before anything else. After that, stop looking for a universal "best order." There isn't one. The right sequence depends entirely on your marginal tax bracket. An RRSP deduction is worth ~20% in a low bracket and ~53% at the top in Ontario — same contribution, wildly different value. Low earners should lean TFSA and save their RRSP room for a high-income year. High earners chasing a first home should lead with the FHSA (the only account that's deductible going in AND tax-free coming out). The popular "FHSA → RRSP → TFSA" ranking is only right for one specific situation: high income + buying a home. For a low-income saver, it can actually backfire — wasting a cheap deduction and building a future tax trap. The order isn't a list you memorize. It's a decision driven by the rate your next dollar is taxed at, today versus in retirement. Full Post - https://theadamantthesis.substack.com/p/the-3-accounts-every-canadian-should
The temporary amnesia of last week's pre-holiday relief rally has officially collided with a brutal wall of reality. The trading week kicked off with major tech-driven selling extending into a aggressive second consecutive day of liquidations. The S&P 500 dropped 1.4% on Tuesday as institutional desks rapidly de-risked portfolios, fueled by a sharp re-pricing of macroeconomic and monetary growth profiles. The selling pressure was heavily concentrated in the high-flying artificial intelligence sector, where questions about corporate monetization timelines are turning into short-term panic. The Structural Catalysts Forcing the Risk-Off Shift: The AI Infrastructure Valuation Reality Check: Market market-makers are aggressively shaking out extended valuations. Nvidia ($NVDA) bore the brunt of the tech-led rotation, tumbling 4.2% to close right at $200.00 as Wall Street tests whether immediate infrastructure spend will consistently scale into projected bottom-line profits. The Rate Hike Re-Pricing Shock: The main weight hanging over risk assets is the growing realization that the Federal Reserve's hawkish pivot is entirely real. With policymakers signaling potential interest rate increases later this year to fight pipeline inflation, traders are rapidly shifting out of expensive growth outposts. The Digital Asset Capital Squeeze: Mirroring the broader equity risk-off macro script, Bitcoin ($BTC) faced sharp selling pressure, dropping down over 2% to trade near the $62,600 handle as structural liquidity tightens globally. The Portfolio Execution- When tech outliers experience rapid institutional liquidations and crypto faces immediate monetary headwinds, the worst strategy you can deploy is trying to catch the falling knives of single stocks. Concentrating your capital into a few high-beta names means your net worth is entirely dependent on daily headline sentiment. This exact market tension is why keeping an 80% baseline ballast in $VFV acts as your ultimate structural buffer. When you anchor your capital to a broad index, you don't need to try and time the exact bottom of a single-stock cycle or exit to cash. The index naturally absorbs these aggressive sector rotations. While high-multiple tech names give back their near-term gains, the broader capitalization-weighted framework keeps your wealth distributed across sectors with deep pricing power, massive cash reserves, and defensive resilience. It systematically protects your downside while ensuring you capture the long-term upward trajectory of corporate productivity. Let the retail crowd stress over the two-day red screen. Trust the architecture, avoid single points of failure, and let the ballast carry the weight. As a matter of absolute transparency, the precise, brokerage-linked percentage breakdowns of this index allocation are always fully visible on my profile tab below, showing you exactly how this strategy handles changing macro regimes. Are you letting this two-day tech slide shake your conviction, or are you staying disciplined and adding straight to your index core? #MacroStrategy #SP500 #VFV #Nvidia #Bitcoin #MarketNews #RiskManagement #Investing2026
📊 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 #StockMarketAnalysis
My Canadian part of my portfolio, its still in the beginning phase but building it up slowly. Cant add my Swedish or European stocks but you cant buy them anyway. Bq as i got it you dont have access to the different European stock exchanges. And i cant buy Canadian ETF's and split share and so on bq of European regulatorisk laws. Performance All accounts +29.59% since inception/start
⚠️ Educational purposes only. Not financial advice. The Federal Reserve kept interest rates unchanged at 3.50%–3.75% in Kevin Warsh's first meeting as Fed Chair on Friday, 17th June 2026. However, the real message was clear: 🔹 The fight against inflation remains the Fed's top priority. 🔹 Future rate cuts are becoming less likely. 🔹 Some Fed officials now see a possibility of rate hikes later in 2026. 🔹 Warsh signaled a more hawkish and data-driven approach than investors expected. 🔹 Markets reacted negatively as investors adjusted to a "higher-for-longer" interest rate environment. 📈 What Investors Should Watch: ✅ Inflation trends ✅ Treasury yields ✅ Dividend-paying stocks ✅ AI, energy, and infrastructure companies with strong fundamentals 🎯 My Take: The Fed's message has shifted from "When will rates be cut?" to "How do we ensure inflation stays under control?" For long-term investors, patience and quality businesses remain the winning strategy. Do you think the Fed will cut rates, hold rates, or raise rates before the end of 2026?
Among the AI “bottlenecks” I find Broadcom $AVGO to actually seem like good value over here. I hate the frickin word bottlenecks though it’s overused but it applies in some cases. Broadcom is one I like though for what it is worth.
If you are not positive today, your portfolio might be overweighted in technology. There’s a reason why seasoned investors talk about diversification. =^.^=
Michael Saylor's 'Strategy' currently has a $14 billion unrealized loss on its Bitcoin investment. Tom Lee's 'Bitmine' currently has a $10.5 billion unrealized loss on its $ETH investment. Will Strategy and/or Bitmine file bankruptcy within the next year?
The headlines say the market is expensive. The numbers tell a more interesting story. ✅ S&P 500 near all-time highs ✅ Nasdaq continues to be powered by AI ✅ TSX hitting record levels ✅ Corporate earnings remain strong The biggest driver? Artificial Intelligence. We’re no longer in the “AI hype” phase. Companies are spending real money on data centers, chips, cloud infrastructure, and software. The winners are seeing real revenue and earnings growth. 🏆 Market leaders: • NVIDIA • Microsoft • Amazon • Alphabet • Oracle • Broadcom But there are risks. ⚠️ Inflation remains stubborn. ⚠️ Interest rates are still elevated. ⚠️ A handful of mega-cap stocks are driving a large share of market gains. ⚠️ Geopolitical tensions could create short-term volatility. What am I watching? 1️⃣ Earnings growth If earnings keep growing, stock prices can continue rising. 2️⃣ AI spending As long as businesses keep investing billions into AI infrastructure, many technology leaders should benefit. 3️⃣ Interest rates A surprise rate hike could pressure high-growth stocks. My biggest lesson from 2026 so far: The best companies keep proving why they’re expensive. Many investors spent years waiting for a crash while businesses like NVIDIA, Microsoft, Amazon, and Constellation Software continued growing. 📈 Wealth is often built by owning great businesses for a long time, not by predicting the next market move. What’s your highest-conviction holding right now and why?
Since so many people ask how to invest in this sector, or this country, or this asset, I’ve decided to make a comprehensive guide on how you can invest in specific areas. This is NOT portfolio advice, simply information about tickers that you can research yourself. Save this for later so you have a list of ETFs to come back to! Canada: $XIU$XIC$ZCN All expose you to the TSX in Canada. These ETFs consist of all top Canadian companies and access to our national stock exchange. $VCB$VGV$VLB$VAB$VSB$VSC$XBB$XCB Expose you to Canadian bonds; whether it be long-term, short-term, corporate, government, etc. $VDY$XEI$CDZ Expose you to Canadian dividend companies $XRE$ZRE$VRE Give access to Canadian REITs $ZEB$XFN$RBNK Lets you buy the Canadian banks USA: $VFV$ZSP$XSP$XUS$HXS Lets you buy the S&P 500 (learn about hedged vs. unhedged in my other post) $XQQ$HXQ$ZQQ All give you access to the NASDAQ 100 $IWR$VO$VOE$VOT$IJH$SCHM Lets you buy US Midcaps $IJR$IWM$VB$VBR$VBK$SCHA Lets you buy US Smallcaps $DIV$SPYD$RDIV$DHS$VIG$SCHD$VYM$DGRO$SDY Give access from small to high dividend US companies $VTI$ITOT Lets you buy the whole US market $TLT$IEF$VGIT$GOVT$SHY$VGLT Give access to US bonds $XLC$XLY$XLP$XLE$XLF$XLV$XLI$XLB$XLRE$XLK$XLU All give you access to each sector in the S&P such as financials, energy, healthcare, etc. International: $XEQT$FEQT$VEQT$ZEQT Give you an all-in-one exposure to Canada, US, emerging and global markets. $VEA$IEFA$SCHF$SPDW$EFV$EFA Give access to general international exposure $EWJ$EWU$EWC Gives direct access to developed international countries $INDA$MCHI$EWT$EWY$EWZ$EWW$EIDO$EWM Gives direct access to emerging international countries Assets: $KILO$PHYS$CGL Let’s you buy gold directly through ETFs $SVR$HUZ Let you buy silver through ETFs Savings/Interest: $CASH$HISA$PSA$HSAV Access to Canadian savings and interest payments $HSUV-U $PSU-U $HISU-U Access to US savings and interest payments There’s so many ETFs I didn’t go into with dozens of categories, but this should give you some basic starting point to look into your ETF investments. This is simply the starting point, when choosing your investments always research the ETFs, what they provide to you, their fees, your goals, your risk, and what you’re looking to get out of investing. As always do your research and happy investing! Subscribe to the newsletter: relatablefinance.substack.com
So you’re telling me I should buy a stock because of its 2-4% dividend and 4-5% returns in 6 months… And not a .4% dividend yield with 100% returns in 6 months? Make it make sense
The whole feed's asking why $GOOGL is getting smashed. The answer: two of its biggest AI brains walked out in one week, a top Gemini leader to OpenAI and a Nobel winner to Anthropic, plus the antitrust cloud. That's Alphabet's worst day in a year. But this isn't the AI trade cracking. $NVDA is green, the Dow's green, small caps are green. The money leaving Google isn't leaving the market, it's just rotating out of one name.
Episode 3 of the Retail Rundown is live !! On this episode we want to bring our rich friends to tell us how they REALLY make money. We sit down with entrepreneur, crypto trader, and content creator @zac_hartley We dive into Zach's journey from running for Mayor of Calgary to building multiple income streams through domain investing, Bitcoin mining, Amazon FBA, 3D printing businesses, AI-powered software projects, and stock market investing. Zac shares how he turned a $15 domain purchase into a $4,000 sale, built a 3D printing business generating roughly $200,000 in annual profit, sold his Amazon operation, and used AI tools like Claude to build a Canadian finance platform in just a few hours. We also discuss: • Bitcoin's 4-year cycle and crypto mining profitability • Amazon FBA and product launch strategies • Selling a business and entrepreneurship lessons • AI, software development, and vibe coding • Canadian investing, ETFs, TFSAs, and sovereign wealth funds • Diversifying income streams and learning from failure Subscribe for more episodes of Retail Rundown & who we should bring on next ! https://youtu.be/yDE_MV6hRo0?si=dG2ooCCP_Cv-SLDs
Forever hold list! 📜💰 $VOO • $QQQ • $SCHD • $FDVV • $OTDE • $SPYI • $QQQI • $QDVO • $IYRI • $OMAH • $OVL • $BLOX Built for income that lasts 💸 Growth, dividends, and covered-call income all in one lineup Which of these do you own? 🤔👇
S&P 500 is close to topping out of weekly wave 3 if the Grand Supercycle. SPY is set to breakout of a Daily bullish pennant and top out at $771-772 where the Daily and Weekly 1.618% Golden Ratio Fibonacci levels are located. We will then see a $160 correction to the Wave 4 trendline touch. This will then lead to BLOWOFF THE TOP Wave 5 and the end of the Grand Supercycle in 2029.
