Blossom — Social Investing Community

Technology · 1h

Tokyo Electron Signals Stronger AI Chip Demand 📈

Tokyo Electron’s annual outlook came in above analyst expectations, pointing to stronger-than-anticipated spending by semiconductor manufacturers.

Why this matters:

* AI infrastructure is driving demand: Chipmakers are accelerating investment to meet growing demand for AI processors and high-performance computing.
* More equipment spending: Higher chip production targets can translate into increased demand for semiconductor manufacturing equipment.
* Bullish industry signal: Stronger guidance from Tokyo Electron suggests the AI investment cycle is continuing to support the semiconductor supply chain.

The bigger picture: AI demand is benefiting more than just chip designers. Equipment suppliers like Tokyo Electron are also positioned to benefit as manufacturers expand capacity.

The key question is whether this spending momentum can continue into next year.read more

2 views

Jordan Collier

@coveredcalletfinvesting

Passive Income · 🔥 Hot

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

76 views

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!

-0.58%

15.6% held

-0.85%

5.5% held

+1.79%

5.5% held

+1.87%

0.0% held

215K views

yield

@yield

Community · 1h

Blossom MVP's

https://blossom-mvps.netlify.app

Sep 2026 : Award goes to @yield (its me! its me! 😂)
Oct 2026 : Most probably @thejoemoneyshow. Still not bad. I'm 4th on the list 😍

$USCL $QQCL $ENCL $HHIS $MSTE $HBTE $HONE $BANK $UTES $BIGY $EASY $QDAY $SDAY $CDAY $PAYG $XEQT $VFV $VDY $QQC

-1.06%

32.5% held

+1.63%

10.6% held

+0.95%

9.9% held

-1.53%

7.1% held

14 views

Moe

@moe_on_margin

Community · 8d

What Happened to the AI Check tool

@maxstocks why did you guys remove that AI detection tool ?

Things are really getting out of hand with posts written 100% in AI (without fact checking or disclaimers) and now even the comments on them are also written in AI.

AI is talking to itself all over blossom.

Can I start a petition to bring the tool back ? 😅

220 views

yield

@yield

Personal Finance · 2h

Our Daughter's RESP Update

We started investing in our Daughter's RESP only in July 2025.
So far we have invested 4500$ from our own money into Growth ETF ($XUS $QQC $TEC $TECI $CHPS $DRAM $FINN $VCN). Allocated 12.50% each on these 8 ETF's.

We have invested in $QDAY $SDAY $CDAY only from the CESG (Govt Grant) + Capital Gain + Dividends + Distributions received (1331.40$). Approx 30% allocated (20% CESG + Distributions reinvested). We choose these 3 because of the Nature of these funds. 100% Growth. Income generated from the internal borrowed leverage of 25% from the Fund Manager. Possibly will add $BDAY to the list as well in future.

She is 7 yeas old. We missed investing in RESP the first 5 years. So we can invest extra 2500$ every year for the next 6 years (2026-2031) in order to get the full 1000$ CESG from the Govt. As per the rules, we can add extra 1 year at a time for the missing year to invest inorder to get the full Govt Grant. i.e Planning to invest 5000$ every year for the next 6 years to get 1000$ CESG/year. That's 20% gain right up front.

Here is the screenshot of RESP Tracker...!!!
NOTE: The title "LITTLE PRINCESS FAIRY TALE RESP" was chosen by my Daughter 😂

For Anyone who is new to RESP:
Max allocation for Govt Grant of 20% match....
Per child : 50,000$ max can be invested from our Own money.
Max Grant per child can be received from Govt is 7200$
Basically for 36000$, we can get Govt Grant (2500$ every year for the first 13 years, 1000$ on the 14th year). Max Govt will grant is 500$/year (additional 500$/year for any missing year if you invest)
We don't get grant for 14000$. Which can be invested anytime. Most people will invest upfront to capture the growth opportunity...
Here is our plan.
2025: 2500$ ✅
2026 + 2019 : 5000$ (🟠 so far 2000$ invested)
2027 + 2020 : 5000$
2028 + 2021 : 5000$
2029 + 2022 : 5000$
2030 + 2023 : 5000$
2031 + 2024 : 5000$
2032 : 2500$
2033 : 1000$read more

-0.36%

0.2% held

-1.39%

0.2% held

-1.71%

0.2% held

-2.58%

0.1% held

230 views

Kar Yung Tom

@karyungtom

🔥 Hot

Life Update

Outside of doing the podcast with Moe, I've just been chilling.

The house I bought for $680k in March 2024 is a townhouse. The unit on the other side just sold for $890k. As it turns out, I was NOT late to the party.

I'm looking forward to renewing my mortgage in March, hopefully bringing that monthly payment down. ;)

I've been nerding out with GPT and Claude on a variety of interests. They can do a lot more than just produce slop these days.

As for upcoming big expenses, I'm planning another cruise. Not sure where yet, but different members of my family have expressed interest in something centered around South America or South Africa. If you have suggestions, let's hear them!

1,058 views

Graham Stephan

@grahamstephan

Market News · 🔥 Hot

Stock Market Returns

Fun fact: The S&P 500 has gone up in the 12 months after every midterm election since 1946. Can it happen again?!

5,928 views

Moe

@moe_on_margin

A Question to Guide Future Content

For those who’ve been following my content for a while (A big thank you BTW)… I’d love to know what your favorite series was, maybe like top 2-3 favorites.

You’d be helping me rationalize time spent one things that would give more value.

1) Unpacking the Buffet Letters
2) Why I Hold It
3) Hedge Fund Hunt
4) Hidden Gems of the Counter Cycle
5) Reading the Official Filings
6) Options Trading Unpacked
7) ETF deep dives
8) Blossom’s Most Bought (my humble beginnings 😅)

Appreciate every one of you who would be kind enough to comment with their top 3 to help give me feedback.

Thanks 🙏 read more

130 views

Mahyar

@4mula4

Technology · 3h

The AI Cash Burn Spreads: Amazon Joins the List

—
Just like we saw with $GOOGL and $META, the market is sending a brutal message to Big Tech:

Stellar cloud growth is no longer enough if free cash flow goes negative.

Amazon ($AMZN) just reported its Q3 earnings. While AWS accelerated to its fastest growth in nearly five years (up 39% to nearly $46B), the stock tumbled after hours.

Why?
Because the massive AI infrastructure bill is catching up to the bottom line.

The Numbers

1. The Miss:
Q3 revenue ($201.94B) and EPS ($1.89) both missed Wall Street's expectations.

2. The Cash Burn:
Driven by aggressive AI buildouts, trailing 12-month free cash flow swung deep into negative territory to -$42.4 billion.

3. The Guidance:
$AMZN is sticking to its massive $220 billion cash capital expenditure plan for 2026, and its Q4 revenue outlook came in a bit cautious.

Is There a Common Theme with Google?

Yes, absolutely. We are watching a clear structural shift across all hyperscalers right now:

1. Revenue vs. Cash Reality:
$GOOGL posted strong cloud growth too, but was hammered because its CapEx spending outpaced operating cash flow, turning free cash flow negative. $AMZN is facing the exact same script: AWS is booming, but the heavy upfront cost of building out AI data centers is straining cash flow.

2. The "Show Me the ROI" Phase:
The market is no longer giving tech giants a free pass just because they mention "AI." Investors are shifting their focus from top-line growth to immediate cash generation. If you're spending tens of billions on GPUs and data centers today, the market wants to know when that cash turns back into positive free cash flow.

3. Capacity Constraints:
Just like $MSFT and $GOOGL, $AMZN's CEO Andy Jassy noted that AWS capacity is largely sold out into 2027 and 2028. The demand is undeniably real, the question is just how much debt and cash burn it takes to build the infrastructure to capture it.

Takeaway for Investors

The theme across Big Tech earnings this season is identical:
The AI trade has split. Cloud growth gets you in the game, but free cash flow dictates whether the stock rallies or drops.

Are you viewing these dips in $AMZN and $GOOGL as a massive buying opportunity for the long-term AI buildout, or are you staying cautious until free cash flow stabilizes?
—
This is for educational use only and not a financial advice. read more

-12.64%

0.9% held

+1.96%

1.1% held

-4.25%

1.3% held

-0.16%

2.5% held

240 views

Drew @yoandrewcortez

Crypto · 3h

This is why self-custody is a MUST. You can’t trust any exchange to keep your crypto safe

12 views

Twenty-five And Invested

@25andinvested

Community · 🔥 Hot

SOME FISH

So ive been looking at cheap hobbies. For starters ive been going to the gym! best cheap hobby. Planet Fitness is 30$ for both my wife and I. You can bring a guess..... me, im the guess. so basically cut 30 in half. 15 a person, cheeeeeap.

I also picked up some fish. My friends didnt want them any more so I inherited a tank. got some Tetra, a few Guppies and a Barb also a Clown Plecko but I think my boy is dead (he isnt he just never moves)......

Not as cheap as I thought. I got a few filters. A 3 step water chemical program and a little flake food. All together $100 for at least a few months.

Having a few cheap hobbies is more fun for me then having 1 big one. One of these days I wanna have a big tank mabye breed some fish but untill then gotta prove to myself I wont kill everything I touch.....

110 views

Beskar Capital

@beskar_capital

Beginner Investors · 7d

How Are You Holding Up? 😜

Do you have a strategy to brave the volatility in a changing market?

If you have been following me for some TIME, you know that we expected 2025–2026 to be the years of highest volatility.

I don’t think you need me to provide any evidence of what is now a reality.
These are difficult TIMES to navigate financial markets, which can be brutal and merciless.

But the key is to adapt and survive as we use the real estate/banking crisis cycle as our survival roadmap.

Just today,based on KTS #114 we had to lock-in profits and exit another position in a long TIME favorite holding.. This is a period when cycle ignorance and unconditional optimism can be your undoing.

This is now a period when we must accept what the market is telling us and position ourselves for what comes next. No regrets! Onward we march!

Are you ready for what’s next?

If interested, we will again be reopening our membership……soon. 😉

I always give you my best! 🏆

This is the Way! 🏄🌊read more

250 views

Mahyar

@4mula4

Technology · 3h

AI Race Has Changed: Who Has the Cash? Google?

—
For the past two years, almost every big tech stock went up because of AI. All people cared about was sales growth.

That just changed.

The stock market is no longer treating all tech companies the same. Now, investors are asking one simple question:

Can the company pay for its own AI buildout, or does it need to borrow money?

Looking at the Real Numbers

Here is what happened in the latest earnings reports:

1. Microsoft ($MSFT):
Made $18.6 billion in free cash flow. Its cloud business grew fast, and it easily paid its own bills using its own cash.

2. Meta ($META):
Saw its cash flow turn negative by $2.12 billion as spending went up.

3. Alphabet / Google ($GOOGL):
Spent $51.4 billion on new equipment and AI buildouts. That was more than the cash its business brought in, leaving them -$9.1 billion in negative cash flow. To cover the bill, they had to borrow money and sell more stock.

Did You Know?

Last quarter, Google spent more money building AI than its entire business made from daily operations!
When a company spends more than it earns, it has to borrow money from banks or sell extra shares to pay the bills.

What This Means for Us

1. Cash is King:
Companies that pay their own way using real profit will likely perform better than companies that have to borrow money.

2. Growth Isn't Everything:
A company can grow its sales, but if the cost to grow wipes out its bank account, the stock can still fall.

3. What You Can Do:
Always check the Free Cash Flow line on any tech stock you own. If that number is negative, the company is using borrowed money to keep up.

What is your strategy right now?
Are you sticking with cash-rich companies like $MSFT, or buying the dip on high spenders like $GOOGL and $META?
—
This is for informational and educational use only and it is not a financial advice. read more

-0.16%

2.5% held

-12.64%

0.9% held

+1.96%

1.1% held

202 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

The Market Matrix

@themarketmatrix

Market News · 🔥 Hot

WILL YOU BE BUYING THE ANTHROPIC IPO..?

$500B in commitments, seeking around $1.5T valuation, $16.1B H1 revenue, $80.1B H1 net loss, gross margin went from 12% to 85% in just one year.

Nearly $240B in commitments with just $SPCX and $GOOGL haha..

$ANT

Will you purchase Anthropic after the IPO?

Yes! ✅

No ❌

After the dust settles

199 votes · 3d left

-0.40%

0.0% held

-1.06%

0.0% held

+1.18%

0.0% held

+1.11%

0.0% held

156 views

Adriano Starinieri

@adrian_pii

Passive Income · 4d

PII Podcast #4: Overcoming Market Crash Fear

https://youtu.be/ctJWVFscTRQ

228 views

Devoted Dividend Investor @devoteddividendinvestor

Beginner Investors · 4h

🧠 YOUR BIGGEST INVESTING ENEMY MIGHT BE YOU

Sometimes, the biggest risk to your portfolio isn’t the stock market. It’s your own emotions.

Think about it:

📈 When stocks are rising, investors get greedy and buy at higher prices.

📉 When stocks are falling, fear kicks in and people sell at a loss.

🔥 When everyone is talking about a hot stock, FOMO makes investors chase it.

💤 When a quality investment takes time to grow, many people lose patience.

The problem? A good investment strategy can still fail if you don’t have the discipline to follow it.

Here are 4 habits worth developing:

1. Have a plan before buying.
2. Don’t invest money you’ll need next month.
3. Stop checking your portfolio every 10 minutes.
4. Focus on long-term performance, not every daily price movement.

Remember: Building wealth isn’t just about finding great investments. It’s also about avoiding emotional decisions that destroy good strategies.

What’s harder for you as an investor: holding through a market crash or resisting FOMO when a stock is running?

Educational content only. Not financial advice.read more

44 views

The Market Matrix

@themarketmatrix

ETFs · 11h

Ready for a Black Friday sale?

Haha.. get it..

Alright I’ll never say that again.

$QQQ $AMZN $SNDK

-1.42%

0.0% held

-1.39%

0.0% held

-4.25%

0.0% held

-5.32%

0.0% held

482 views

Brooks Willette

@bwnq07

Market News · 5h

Ouch $AMZN hurts rn but I’m buying right back up tmrw

-4.25%

14.7% held

122 views

Maxwell

@maxstocks

Community · 🔥 Hot

⚠️ Scammer Warning! Plus new features coming soon

Quick flag that if you receive a dm or see a comment from 'Blossom support' it is a SCAM! Please report it and our customer support team will delete it and we're working on a fix to block these proactively which will be live tomorrow

Re. @trevorheslopinvests's post "weird dms sharing posts" - this is actually not a scam, but was the result of when you long press the share button it sends a post (a bug on our end). The fix for this is now live when you update Blossom on the app store (thanks everyone for flagging this)!

😎 In addition to these fixes, lots of other cool updates on the way that I can't wait to share with you all! As a sneak peak here's the mock-up for a community leaderboard we're working on to help showcase the top Blossom creators each week - https://blossom-mvps.netlify.app/

1,180 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

13K views

Ryne Williams

@ryne

Passive Income · 16h

$150,000 Later: My Top 20 Investing Lessons

As opposed to the last three months, October was a pretty exciting month for my portfolio.

Not only did I recently reach a new dividend income milestone of $400/month, but my portfolio also officially crossed $150,000 in value.

It's taken me six years of investing to get to this point. And looking back, it's been an incredible journey with so many valuable lessons learned along the way.

In celebration of reaching this milestone, I put together a list of 20 of the most important lessons I've learned over the past six years of dividend investing.

You can read it in full here: https://www.retirewithryne.com/newsletter/150k-later-investing-lessons

1,568 views

Blossom

@blossom

Market News · 11h

🐝 Daily Buzz: October 29, 2026

📊 Earnings misses snapped a three-day run. The Nasdaq dropped 1.38% to 26,184.72, the S&P 500 slipped 0.3%, the Dow lost 0.25% and Canada’s S&P/TSX Composite finished flat at 0.04% lower.

🔍 Alphabet ($GOOGL) lost 12% after missing on adjusted earnings and revenue, posting negative free cash flow of $9.07 billion. The Google parent held its full year capex forecast at $195 billion to $205 billion.

🚜 Caterpillar ($CAT) slid more than 9% for its worst day since March 2020. The industrial beat on both lines, but construction industries sales came in slightly under estimates.

💊 Eli Lilly ($LLY) rose 6.63% to $1,373.70 on $24.4 billion in revenue driven by Zepbound and Mounjaro. The drugmaker lifted 2026 revenue guidance to $91 billion to $92 billion from $85 billion to $87 billion, pushing the S&P healthcare sector to a record.

⛏️ Alamos Gold ($AGI) tumbled around 9% to lead TSX decliners as costs swamped a record gold price. Adjusted earnings of $0.44 per share missed by a penny and revenue of $510.4 million came in under the $529 million expected, with all-in sustaining costs at $1,956 an ounce.

📦 Amazon ($AMZN) plunged more than 7% after hours on a miss, with earnings of $1.89 per share against $1.96 expected and revenue of $201.94 billion versus $202.31 billion. Free cash flow was negative $42.4 billion over the trailing year, up 386%, on AI spending.

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

Alphabet and Amazon both missed and both kept spending billions on AI. Is the buildout running ahead of the returns?

Yes, the spending is outpacing the payoff

No, it’s early and the returns are coming

108 votes · 1d left

-12.64%

0.0% held

-9.25%

0.0% held

+6.63%

0.0% held

-9.10%

0.0% held

1,546 views

Moe

@moementumfinance

Beginner Investors · ⭐ Featured

Money, Investing & Self Development Books 📚

Here are my top 9 most favorite books on the topics of money, investing, and the psychology related to it. 🙂 I have also shared my short takeaways from each of these books:

✅ Reboot Your Portfolio (Dan Bortolotti): By simply "owning the market" through globally diversified index funds, you will almost certainly enjoy better performance than the vast majority of investors who buy actively managed funds or try to pick their own stocks. Over the long term, index funds offer the highest probability of achieving your investment goals.

✅ Atomic Habits (James Clear): If you can get 1% better each day for one year, you’ll end up thirty-seven times better by the time you’re done. Focus on making tiny adjustments to your behavior, as small changes lead to lasting improvements.

✅ Die with Zero (Bill Perkins): Maximize meaningful and memorable experiences in your lifetime when you are healthy and have the capacity to do so. Invest in experiences that yield long-lasting memories and pay you regular "memory dividends".

✅ The Simple Path to Wealth (JL Collins): Build a financial cushion (F-You Money) to give you a choice, and invest through low cost, broad-market, diversified index funds.

✅ Rich Dad, Poor Dad (Robert Kiyosaki): Use your money to acquire assets instead of liabilities.

✅ Choose FI (Chris Mamula, Brad Barrett, Jonathan Mendonsa): Achieving Financial Independence requires a plan, much like building a house, but it is not a one-size-fits-all approach and you can tailor it based on your own journey.

✅ Quit Like A Millionaire (Kristy Shen, Bryce Leung, JL Collins): Spend your money on experiences that last a lifetime that on material stuff and consumer debt.

✅ The Psychology of Money (Morgan Housel): Managing your emotional impulses and learning how to behave in face of challenging money decisions, play a crucial role in your financial success.

✅ I will teach you to be rich (Ramit Sethi): Develop a "Conscious Spending Plan" that aligns with your values and financial goals.

📚 Learn More: https://youtu.be/KIXOYvKgtnw

➡️ What are your favorite money/investing/self-development book recommendations?read more

187K views

Scott S @scottsinvesting

Beginner Investors · 🔥 Hot

Where 'Far Too Many' Investor’s Go Wrong, IMO…

These aren’t rules, facts or anything definitive; just some of the many opinions I’ve built over nearly 30yrs of stock investing. Take em' or leave em', it's all good to me because they're accurate. 🤷‍♂️

Here goes, in no particular order. Far too many investors…
… have a gambling mentality when it comes to investing.
... focus on where a stock once traded to determine 'fair value’.
... think their pain threshold for unrealized losses is far higher than reality.
... risk far too much for a potentially very small win.
... create a lot of bad habits during bull markets.
... fail to acknowledge mistakes, so they fail to learn from them.
... under-estimate how can be lost going all-in on high or no P/E growth.
... rely on 'wishful thinking' over an actual 'investment thesis'.
... ignore anything negative about their stocks due to confirmation bias.
... will jump into day trading and/or margin usage at worst possible times.
... make blindly 'buying the dip' they're primary investing strategy.
... consider bullish "what-ifs" , while ignoring bearish "what-ifs".
… equate every bit of news as a catalyst, while it's just ‘business as usual’.
.*. spend too much time on small positions & not enough on large positions.
.*. fall prey to "how much lower can it go" thinking, and later learn A LOT!
... underestimate 'company specific risk' and invest too much in one stock.
... worry about how they rank against others instead of focusing on self.
… don’t understand what ‘the market is forward looking’ truly means.
... fail to factor 'we don't know what we don't know' in investment thesis.
... confuse getting lucky with having a sound investment thesis.
... will eventually get kicked in the throat by an unexpected margin call.
.*. own too many individual stocks complicating things for no reason.
… don’t spend enough time trying to break their bullish investment thesis.
… scream "manipulation", when wrong about their favorite stock.
... spend too much time on social media telling others their stocks are best.
... think 'time in the market' guarantees profits, which isn't true for stocks.
... fall for recency bias when projecting future returns.
… think they know more about a stock/company, than they actually do.
... taking on more risk, in an effort to make up for recent losses.
... sell their winners early and hold their losers indefinitely.
... willingly pay high expenses on ETFs that don't deliver.
.*. happily DCA to lower cost basis, but won't do it to raise cost basis.
... turn a blind eye to dilution from rampant share issuance.
... ignore importance of long-term diversification.
... assume any ETF or mutual fund is safer than a stock.
.*. get caught up believing the hype of a highly speculative stock.
... don't bother researching balance sheet & other key metrics..
... under-estimate what's needed to retire 'comfortably', incl. fire/coast fire.
.*. over-estimate what's needed to retire 'comfortably' (opposite of above).
... are far too quick to give advice while being ill-equipped to do so.
... over-estimate their true returns by failing to offset deposits.
... get cocky during bull markets & ultimately lose years of gains because of it.

I think I've shared something similar to this in the past, so if I'm being honest, not really sure why I'm sharing... As with most of my posts, it's likely driven by what I'm seeing in my Blossom feed.
And full disclosure, I've been guilty of a few of these (.*.) myself. Maybe you're guilty of some too.
** Wanted or not, I'll add to this list as more come to mind. **read more

10K views

Moe

@moementumfinance

Personal Finance · 14h

Investing with your Home Equity 🏠

The Smith Manoeuvre sounds straightforward in theory, but what does it actually look like when you're doing it with your own money? This weekend I had a chance to have a follow-up conversation with Kyle (@kgcottawa) who similar to me has been implementing the Smith Manoeuvre. We each share an update on our Smith Manoeuvre portfolios and get into the practical details of how we're managing the strategy. We show our real numbers, talk about how much we've borrowed and invested, and discuss what's changed since our last conversation. Kyle's portfolio is approaching $192K, while my portfolio is around $243K, with roughly $143K in borrowing behind my Smith Manoeuvre investments.

We also get into the mechanics that don't always get enough attention. How do we move money between our HELOCs and investment accounts? How do we handle the monthly interest, and when do we capitalize it? Kyle walks through his cash flow and mortgage prepayment routine, while I explain how I handle the interest slightly differently. We also discuss HELOC credit utilization, keeping the flow of funds clean, and why having enough financial breathing room matters when borrowing to invest.

One of the more interesting parts of the conversation is Kyle's decision about whether to withdraw around $36,000 from his TFSA to make a larger mortgage prepayment. We discuss the emotional appeal of owing less on the house versus the potential long-term tax-free growth of leaving that money invested. We also compare our thinking around fixed versus variable mortgage rates, talk about the risks of leveraged investing, and share what we'd want someone to understand before getting started.

If you're researching the Smith Manoeuvre, we also share some practical lessons and resources worth checking out, including Robinson Smith's book, Master Your Mortgage for Financial Freedom. This is an ongoing conversation about what we're learning as we implement the strategy, and we'll continue sharing updates as our portfolios and thinking evolve.

💬 We'd love to hear from you: Would you rather keep money invested in your TFSA or use it to pay down your mortgage faster? Let us know in the comments!

⚠️ Disclaimer: This video is for educational and entertainment purposes only and reflects our personal experiences and opinions. It is not financial, investment, mortgage, or tax advice. The Smith Manoeuvre involves leveraged investing and can magnify losses. Consider your own financial situation and consult qualified professionals before implementing a strategy like this.
https://youtu.be/fHS8UllupIQread more

1,450 views

Brandon Beavis

@brandon

Community · 15h

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

1,634 views

Ryne Williams

@ryne

Passive Income · 9d

I don’t want to jinx it, but tomorrow could be the day we FINALLY see $150k in the portfolio. It’s been teasing me for too long. 🤞

734 views

Blossom

@blossom

Market News · 20h

🐝 Daily Buzz: October 28, 2026

📊 Both central banks moved and stocks rose for a third straight day. The S&P 500 gained 0.28% to 7,743.98, the Nasdaq added 0.27%, the Dow climbed 0.19% and Canada’s S&P/TSX Composite rose 0.26%.

🍁 The Bank of Canada raised its policy rate 25 basis points to 2.5%, its first hike since July 2023, and said more may be needed. Tiff Macklem blamed higher oil prices for a deteriorating inflation outlook, lifting the 2027 forecast to 3.1% from 2.0%. The next decision is December 9.

🏛️ The Fed held at 3.75% to 4% after September’s hike, as traders expected. Kevin Warsh said the central bank stays focused on price stability and called the employment picture quite positive, stopping short of ruling out another increase before year-end.

🗄️ Oracle ($ORCL) jumped 10.73% to $144.54 after guiding to $225 billion in fiscal 2030 revenue, implying 35% average annual growth. The company also capped additional fundraising through 2030 at $20 billion, addressing the debt worries that have dogged AI names.

🌶️ Brinker International ($EAT) climbed 15% after the Chili’s owner raised full year guidance to $13.30 to $13.90 per share against a $13.28 FactSet consensus, and lifted its revenue outlook too.

🔐 F5 ($FFIV) tanked about 19% on soft fiscal 2027 guidance of $18 to $18.30 per share against the $18.03 expected. Piper Sandler also cut the cybersecurity company to neutral.

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

The Bank of Canada hiked to 2.5% and says more could be needed. Does another hike land on December 9?

Yes, they’re not done

No, 2.5% holds

125 votes · 5d left

+10.73%

0.0% held

+12.21%

0.0% held

-20.43%

0.0% held

1,610 views

Lindsay Ross

@laross19

Passive Income · 8d

Good morning everyone

Futures up slightly. Oil up. Gold down. Enjoy some good kind discussion today. Enjoy your coffee. Market Call has Gordon Reid on us equities.

334 views

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

7.0% held

8.0% held

0.0% held

7.9% held

5.6% held

0.0% held

346K views

Mr Financial

@mr.financial

ETFs · 1d

It's HYLD Question Time 🤓

Hamilton's $HYLD is a beast of a fund, just like $HDIV . After getting the communities questions to help form the structure of HDIV's deep dive, I thought ... I HAVE to do it with $HYLD too.

Since HYLD is a fund of funds and rather complex... here is what I am going to share (that way you don't ask what will be answered):
- Performance attribution of sorts
- Benchmarking w/ and w/o levereage
- volatility and drawdowns
- Fund history of changes
- Distributions
- ETF structure and total underlying holdings
- Concentrations
- Fund risks
- Total costs and long term affect on performance

What would you like to know about this fund? Is there something that's not obvious about the fund that you feel needs discussed?

As always, EVERYONE is more than welcome to pipe in with their personal questions. The more diverse group of investors with questions, the better and broader the deep dive will be😁 I'll be filming tomorrow after work, so if I miss your questions after then, my apologies.

As always, HAPPY investing everyone and let the questions FLY!!!!read more

+0.70%

0.0% held

+0.26%

0.0% held

3,216 views

BD Investing

@bdinvesting

Beginner Investors · 4d

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

3,678 views

Mr Financial

@mr.financial

ETFs · 4d

👑 HDIV is the King…Until You Compare It Properly

18.97% annualized return since inception. A 10%+ yield. Amazing... It even beat the TSX 60, it’s benchmark!!! 🤯

So why did my analysis find that $HDIV UNDERPERFORMED a more comparable benchmark by 1.9% PER YEAR?

That’s because HDIV isn’t really comparable to an unleveraged TSX 60 total return index.

It has 1.25X leverage, significant concentration, much more tech exposure, US exposure, and a completely different portfolio construction....

And once I accounted for that, the “KING” narrative got a lot more complicated and well... you’ll see.

I went under the hood on EVERYTHING is could in less than 20 minutes, from the 1.75% current cost, covered calls, leverage, distributions, ROC, total number of underlying stocks (and even the effective number of stocks), risk, drawdowns, and all the changes HDIV has made since launch (you will be SHOCKED by that one)!

I also tried to answer as many of your HDIV questions as possible….

If I missed YOUR question, put it in the comments of the YouTube video pretty please. I’ll answer it there so everyone can benefit from the answer.

Here it is!!!
https://youtu.be/AWVSiutDV_M

read more

-0.45%

0.0% held

6,100 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

110K views

Brandon Beavis

@brandon

Community · 13d

Blossom in London 🇬🇧

Just arrived home from a quick trip to London - it was my first time visiting. What a cool city. Full of friendly people. And so much character!

Found it super interesting to learn that there’s still very much a ‘saving’ mentality in the UK. But that seems to be changing.

Shoutout to Max for delivering an incredible speech (as usual) about Blossom. He presented our platform and mission in a great way and it was very well received by the Brits!

2,756 views

Brad Brunton @bradbrunton

Beginner Investors · ⭐ Featured

Summaries of some of my favorite investing Books 💯

For those who don’t have the time

291K views

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

Will you purchase Anthropic after the IPO?

Alphabet and Amazon both missed and both kept spending billions on AI. Is the buildout running ahead of the returns?

The Bank of Canada hiked to 2.5% and says more could be needed. Does another hike land on December 9?