📊 Long-Term Investing: The Power of Thorough Analysis When it comes to long-term investing, understanding the fundamentals of a stock is crucial. It’s not just about jumping on trends; it’s about making informed decisions based on solid data. This chart breaks down the essential financial statements—Balance Sheet, Income Statement, and Cash Flow Statement—that every investor should analyze before committing to a stock. 🔍 Balance Sheet: This tells you about the company’s financial health, specifically its assets, liabilities, and equity. A healthy balance sheet is a sign of stability and resilience. 💸 Income Statement: This shows the company’s profitability by detailing revenue, expenses, and profits. A strong income statement indicates a company that’s generating profits, a key factor for long-term growth. 💰 Cash Flow Statement: This reveals how the company manages its cash, from operations to investments and financing. Positive cash flow is essential for sustaining operations and fueling future growth. By mastering these fundamentals, you can make smarter investment choices that stand the test of time. Remember, successful long-term investing isn’t about timing the market; it’s about time in the market, supported by thorough analysis. $VGT$TXN$QQQ$AAPL$META #InvestSmart #LongTermInvesting #FinancialLiteracy #StockMarketAnalysisread more
Futures are back as the stock market opens tomorrow! Their first reaction to US-Iran strikes being halted is GREEN! $QQQ +1% Brent Oil -8% $VIX -7% See y’all tomorrow!read more
SpaceX raised a historic $85 billion in its IPO when it went public in June. $SPCX reported $24.7 billion in cash and cash equivalents at year-end 2025, which fell to $15.9 billion at the end of Q1 2026 in its initial S-1 filing. That figure later surged to $100.8 billion following IPO and notes offering in June. $SPCX is also now receiving a couple billion dollars per month from Anthropic and $GOOGL through 2029 to lease its AI compute capabilities. With the first share lockup expiration coming next week, selling pressure is expected to be quite significant… But what about the case $SPCX actually reports surprisingly great earnings? The connectivity business through Starlink is highly profitable, and with $100.8 billion in cash now, SpaceX has more cash than enough to cover CapEx costs to continue to expand their AI infrastructure. I wouldn’t rule out a profitable quarter, but I’m still not buying at this valuation. My personal entry price is at $55. read more
I've been watching $TSLA, and the biggest question right now is simple: where does the next leg of growth come from? Tesla has built an incredible brand and ecosystem, but revenue growth has slowed significantly compared with the earlier years. The market is still pricing in future opportunities like Robotaxi and Optimus, but those stories need real execution before they can change the numbers. For now, I think the stock remains stuck between future potential and current fundamentals. If revenue growth starts accelerating again, the conversation changes quickly. Until then, capital may have better opportunities elsewhere. I'm not ignoring Tesla's vision, just waiting for the data to catch up. Still watching? Any names you're trimming? Risk management comes first. read more
When I need money in a down market! I’m still getting paid every week!! Every single cent gets reinvested back into assets! $BLOX$HOOW the investment flywheel in full speed 💨
🔥 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 🙏
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 read more
This morning I realized that there are 7,000 of you following my financial journey. I’m so humbled, thank you. 🙏🏻 I remember what financially crippled felt like, stomach dropping before I even opened my banking app. Doing math at the grocery store, putting things back. That 3am anxiety where every “what if” feels like a countdown. Today looks different. Not checking my portfolio for days because I don’t need to. Booking a flight without the mental gymnastics. Standing in front of Trevi Fountain on a random Tuesday, mid-week, mid-year, simply because I can. I got here the boring way. No windfall, no hot picks, no timing the market. Just the same unglamorous decisions, repeated for years, until one day the weight was gone. I’m retired now, and my portfolio carries us further than my paycheque ever did. I don’t say that to impress anyone, I say it because I remember not having anyone show me this was possible. If this account helps even one of you get a little closer to your own “free,” I’ll consider it worth every post. Truly, thank you for being here. For reading, for asking questions, for trusting me with a small piece of your journey. This community means more to me than a follower count ever could. 🥂 Here’s to learning and growing together. read more
The long-term Amazon story keeps getting more interesting. UBS sees the potential for $AMZN to reach around $1.7T in revenue and $500B in net income by 2030 as AWS, AI infrastructure, advertising, and retail efficiency continue scaling. A $10T valuation would require a lot of execution, so I'm not treating that as a guaranteed outcome. But the bigger picture is clear: Amazon is no longer just an e-commerce company. It's becoming a major AI and cloud infrastructure player. The market may continue to reprice companies that can turn AI spending into real earnings growth. Market isn't done yet. Any names you're trimming? Protect your gains. read more
$FICO keeps testing the $1,037 area… and it just refuses to give way. The longer a level survives, the more interesting it becomes. Let’s see who wins this tug-of-war. 🍿
It took me 15 years to hit 100k. Subsequently, it took me 4 years to hit 500k. I’d love to know what first popped into your head when you read that. For me, I would automatically think that this person’s earnings power must have increased significantly. That would be the obvious answer. But it couldn’t be further from the truth for me. I actually didn’t even earn an income for 2 out of those 4 years. So, aside from compound interest (🙌🏼), what made the difference? Awareness. Comprehension. Determination. But mostly TIME. For those first 15 years I worked hard. I worked all the overtime. Sometimes working illegal amounts of hours. I made stupid amounts of money and when I finally got a day off (sometimes after 3 months straight), I spent it ALL. Something changed when I took my first maternity leave in 2019. It was the first time in my adult life, that I had an opportunity to slow down. To get away from the grind. To be able to think about something (anything) other than progressing my career. I used that opportunity to teach myself something new. Arguably the most important life skill I’d ever learn. Money management. I invested in myself. I learned how to budget. I learned about the stock market. I started making educated and conscious decisions about money. So, the biggest difference between those two periods of my life was, TIME. Not earnings power. But having the time to learn important life skills that I never previously had the time for when all I did was grind. I know a lot of people will say they don’t have time to learn about investing and honestly, I GET IT, because I was that person! But my advice to those people now would be this: Make time. Step away from the grind and take the time to understand your finances. It’s arguably the most important life skill you will ever learn. Step away from work now (even if it means using a week of vacation), so that you can step away from work later. It’s the best gift you will ever give yourself. Most people think they need to grind harder, but maybe what they really need is to press pause for a second. Other factors that contributed to my portfolio growth: - Bull market - High risk tolerance - Growth stocks - Market timing - Employer match program - Stock Based Compensation program - Increased savings rate - Reinvested dividends - Luck 🍀 read more
The last month has been one of the most volatile in a very long time. The Nasdaq had one of the worst losses since the Dotcom days. I’ve learned my lesson from the “lost decade” and 4 major stock market crashes and 2 real estate crashes, a global financial crisis and global pandemic and 3 American lead wars and can say without question we are living through a major secular bull market and this is going to be a rough ride. We hear that diversification is so important to wealth CREATION and PRESERVATION. Yes, concentration builds accelerated growth but you’re also competing with the smartest, richest and most equipped hedge funds that move the market at their discretion. But understanding what and how diversification works to grow and PROTECT your wealth is even more critical to STAYING IN THE GAME, and being able to jump at the next opportunity. I’ve been told by enough senior executives and CEO’s that I’m one of the most STRATEGIC people they have worked with. I always found their impression odd, given that strategy should be the basis of every intention. Strategy begins with answering all of the following questions: - What is your end game? - What is the playing field? - What are the obstacles? - What are your resources, tools, techniques, knowledge and information available? - What is the opportunity? - What are the risks? - What are all the options? - What are the factored % probabilities of success and failure? Now go figure out a comprehensive plan that incorporates all of the above that has the highest probability of achieving the end game. But have a complete PLAN. Move forward with your OFFENSIVE moves, but have a DEFENSIVE plan. What if your plan doesn’t work? And you might lose 10, 20, 30% or more of your entire portfolio? Don’t tell me, well I’m in it for the long term. It can literally take decades to make it back. It took 20 years for me to recover my losses on Celestica and Bombardier. Today, our plan includes for capturing (1) growth of the global, US and Canadian economies and therefore stocks. Our plan includes for (2) currency fluctuations especially USD and CAD and the swings between them and growing a USD cash pile. Most Canadian investors don’t realize how much of their recent wealth is actually a loss due to the erosion of the value of the Canadian dollar vs USD. Our plan includes for (3) yield, both directly through individually selected dividend stocks, and indirectly from broad market ETFs. Yield of course is income and cash flow and as much as possible sustainable, reliable, and GROWING income and cash flow regardless of market volatility. My annual yield is now 2.5x my core expenses (not including discretionary “lifestyle” expenses). Almost approaching my target of 3 times safety. (Tip: you can’t get there with covered call ETFs over the long term) Our plan has (4) a cash management strategy and four sources of income streams, diversifying and not be reliant on any single one to cover core living expenses, and continually build a cash pile of “dry powder” including trimming growth stocks on the way up to buy quality for growth, dividends and diversification on the way down. Currently we are at 20% cash and growing. A Plan, a Strategy, Diversified, and a Defensive one for the reversal of the market at any given time. Nothing wrong with being a “prepper” and being able to “play” both sides of the market swings (no I don’t mean shorting!). This “project” has been a work in progress since 1997 and “floated” since retiring in 2022, tested for success with financial planning and modeling software that suggests 100% success rate via Monte Carlo simulations and other tests to fund our life, but I don’t take that as something for granted. I stay vigilant to changes in the global economy, politics and how the market reacts. Interesting enough, in the last 6 months we have made virtually no trades. Just sitting tight and watching… read more
Trump claims Chevron’s $CVX success stems from his policies, calling for urgent reductions in US fuel prices for consumers. On Monday, Trump criticised Mike Wirth, the chairman and CEO of the multinational oil and gas company Chevron, for not crediting his administration for Chevron’s current performance. He went on to say that Chevron and other oil companies should immediately lower prices, which he has done previously. “The only thing [Wirth] conveniently forgot to mention is that, without the genius, foresight, strength, and stability of the TRUMP Administration, the Oil Industry, and our Country itself, would be DEAD! As an example, they threw Mike and Chevron out of Venezuela, but now they’re back, far bigger and stronger than ever before, expecting to make a fortune!” “That goes for other Oil Companies as well… and get your consumer (retail!) Oil Prices DOWN, NOW!” $XOM$PSX https://www.aljazeera.com/amp/economy/2026/8/3/trump-slams-chevron-ceo-demands-immediate-reduction-in-us-fuel-pricesread more
Congratulations to Jared on achieving the rising star award. We finally met in person today and he definitely made my experience super enjoyable! Thanks Jared you deserve it!!
$AMZN (~$284.81) \vert{}$GOOGL (~$374.38) It’s Big Tech's turn to lead! As capital rotates across sectors, $AMZN and $GOOGL are doubling down on their AI infrastructure moats. From AWS's unmatched cloud scale to Google Cloud's accelerating AI momentum, these tech titans are leveraging massive cash flows to capture structural AI growth. Sector rotations offer prime accumulation windows for mega-caps. While the crowd focuses on noise, cash-flowing AI infrastructure leaders always drive the next leg up! Betting on $AMZN or$GOOGL for this tech rotation?
Hello investors, I just started investing in some ETFs. The goal is to live off ETF dividends while adding growth ETFs. Any beginner strategy to start with? This is my portfolio, and I am very excited to start my journey to retire early. Please give me advice and experiences; I am willing to absorb them.
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
I have been watching a few videos about the paycheque-to-portfolio model. Instead of getting paid, covering expenses, and investing whatever is left over, the strategy attempts to front-load the investing. The entire paycheque is deposited into investment assets, and margin is then used to cover the bills. I wanted to take a closer look at one of these accounts from October 2025 through the end of July 2026. One of the best parts about many of these creators is the level of transparency they provide. They are sharing deposits, withdrawals, margin balances, income, and account values in a way that is rarely seen in traditional finance. That gives us the opportunity to evaluate the strategy as it unfolds in real time. The gross portfolio value increased from $107,483.53 to $267,674.35, an increase of $160,190.82, or approximately 149%. Growing an account from roughly $107,000 to almost $268,000 in less than a year looks tremendous. However, the margin balance also increased from $5,188.85 to $125,351.66. That is an increase of more than $120,000, or approximately 2,315%. This means roughly 75% of the increase in the gross portfolio value came from additional margin debt. The investor currently owns approximately $267,674 of investments, but only $142,323 represents their own equity. The remaining $125,352 is borrowed money. Another way to look at it is that for every $1 of personal equity, there is now approximately $0.88 of margin debt invested alongside it. Between the end of October and the end of July, the person deposited approximately $154,557 into the account and withdrew approximately $114,697 to cover living expenses. That leaves net external contributions of approximately: $154,557 − $114,697 = $39,860 During the same period, the net account value increased from $102,294.68 to $142,322.69, an increase of approximately $40,028. That means the growth above the person’s net contributions was only around: $40,028 − $39,860 = $168. Based on the spreadsheet, the investor’s equity has essentially grown by the amount of money they contributed. The investments themselves appear to have produced almost no net total return over this period after accounting for margin interest and changes in the value of the holdings. From November through July, the account generated approximately: $4,976 in option income $18,561 in dividends $23,537 in total portfolio income $2,759 in margin interest $20,777 in net income after interest That sounds like strong income generation. However, the account only grew by approximately $168 beyond the person’s net contributions. This suggests that roughly $20,600 of capital depreciation or other investment losses offset the dividends and option income being generated. The cash flow is real, but it does not necessarily represent new wealth. In this case, the portfolio paid out more than $20,000 after interest, while declining investment values appear to have absorbed almost all of that income. The strategy has successfully created a much larger portfolio, but the increase in account size can be misleading. Most of the growth came from additional deposits and rising margin debt rather than investment returns. The portfolio is getting bigger, but based on these numbers, the investor’s actual wealth is not growing at nearly the same rate. I am not sure how successful a strategy like this would be over a much longer period, especially through a prolonged bear market or a stretch of rising borrowing costs. But it does provide an interesting glimpse into a fully functioning paycheque-to-portfolio strategy and gives us the opportunity to watch the benefits, risks, and trade-offs play out in real time. read more
Am I the only one that finds the "NAV erosion" discourse to be utterly stupid? CC fund investors talk about "oh this fund doesn't have any NAV erosion" and you look at the fund and it's some single stock CC ETF for a stock that's been performing well since the fund was launched. If you don't understand how these funds work, isn't it incredibly dumb to be invested in them? Before I invested into factor funds, I read books and academic articles about factor investing. Before I invested in a convertible arb fund, I read the textbook written by the fund manager on convertible arb. Why do "income investors" think it's okay to be so ignorant about the funds they invest in?
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