$TSPY โ TappAlpha S&P 500 Growth & Daily Income ETF 14% current indicated yield (subject to change) Income-focused strategy S&P 500 growth exposure For investors seeking cash flow, $TSPY is one of the lesser-known names that deserves a closer look. As always, donโt just chase yield understand the strategy, risks, and long-term performance before investing. ๐ Anyone holding $TSPY? Whatโs your experience so far? read more
Kar and I dive into a wide range of investing topicsโfrom our reflections on attending BlossomCon 2026 in Toronto and strategies for selling shares in retirement, to why spending more time researching stocks doesn't necessarily lead to better returns. We also discuss dividend-focused portfolios, credit card points, and using leverage responsibly when investing. A huge shoutout to Blossom community members Ronan, Diana, Levi, Max, and RandomYaapping, whose posts we featured in this episode. We also mention several other fantastic creators, including Rayne (25andInvested), Kyle, Conroy, Catherine, and many more. Thanks for helping make the investing community such an incredible place to learn and grow together! ๐ฌ Which topic did you agree (or disagree) with the most in this episode? We'd love to hear your perspective in the comments! Enjoy Episode 13 of Financial KarMoe with @karyungtom and Moe! ๐ If you enjoyed this episode, please Like, Subscribe, and share it with someone who wants to become a smarter investor. https://youtu.be/OO5d_Qo0ae0
Cars are for transportation, not status. A paid off car should be the new status symbol... We need to normalize keeping a paid-off vehicle until the wheels fall off. That Honda or Toyota doesnโt become a bad car just because your neighbour bought something newer. Driving a car for 10โ15+ years can quietly build more wealth than most people realize. My wife and have 2 vehicles. 1) 2016 Ram 1500 (paid off) 2) 2005 Ford Taurs (I bought for $2250 10yrs ago...and still drive to this day) We dont have the fanciest cars...but we are Millionares. I'd stick with the latter for now...maybe a really nice sports car when we hit 5 million invested in our 50s (projected) What are your thoughts on vehicles?read more
If you havenโt read it already, Iโd strongly recommend taking a look at @etf.goโs recent post. It does such a great job at walking through the fees and the impact of them over a long period of time as well as debunking a couple comment themes I hear from covered call investors. Thereโs also a lot of great information and analysis in the comments by many of the top contributors on Blossom that are worth the read for anyone debating whether or not to go cover calls and follow the finfluencers that promote them. ๏ฟผ Hereโs the link to the post for anyone interested:๏ฟผ https://link.blossomsocial.com/7uYa/ej8h3e9c
๐ Results โ EPS: -$0.63 vs. -$0.97 YoY (beat expectations) โ Revenue: $1.66B vs. $1.52B est. โ Deliveries: 12,194 vs. 11,471 est. โ Production: 12,613 vehicles vs. 12,145 est. ๐ต Cash & Equivalents: $3.59B (roughly in line with expectations) ๐ FY Outlook ๐ Vehicle deliveries maintained at 65,000โ70,000 ๐ Adjusted EBITDA loss guided to $1.8Bโ$2.0B, better than the consensus estimate. Overall, Rivian delivered a stronger-than-expected quarter with beats on EPS, revenue, production, and deliveries while maintaining full-year guidance. ๐ Bullish or bearish on $RIVN after these results?read more
Why โrichโ people drive 10-year-old Hondas and โpoorโ people lease BMWs ๐ Not a hot take. Thereโs actual research on this. The Millionaire Next Door studied real millionaires and found most of them live BELOW their means. Old cars. Regular houses. Zero flex. Meanwhile thereโs a well-known economics study (Charles, Hurst & Roussanov) showing people with less wealth often spend MORE on visible stuff, cars, clothes, jewelry. Not because theyโre bad with money. Because visible signals are doing more work when your bank account canโt do the talking. Itโs not rich vs. poor. Itโs INCOME vs. WEALTH. Some people optimize for how they look right now. Some people optimize for their net worth in 20 years. Same paycheck. Completely different outcomes. The quiet millionaire isnโt cheap. Sheโs just playing a longer game ๐ Which one are you optimizing for? read more
After an incredible run of more than 3,000% in under two years, the stock hit an extreme 4.618 Fib extension before entering a major ABC correction. The pullback was fueled by valuation compression and liquidity rotating toward the SpaceX IPO, which also weighed on space-sector sentiment. Now $RKLB has tested the 0.618 Fib retracement and is showing signs of support. The valuation remains demanding, even with TTM revenue growth near 46%. The long-term space TAM is massive, but the next major catalyst is still Neutron. Would you be buying this pullback?
๐๏ธ Tomorrow at 10am EST, weโre hosting an Ask Me Anything on Blossom with Etienne Joncas-Bouchard, Director of ETFs at Fidelity Canada! ๐ Weโll be chatting all things all-equity ETFs, including: ๐ What investors should look for when choosing an EQT ๐ How all-equity ETFs provide global diversification in one fund โ๏ธ How the different EQT options compare ๐ฌ Fidelity Canadaโs broader suite of ETFs ๐ Submit your questions in advance for the best chance of having them answered: https://www.blossomsocial.com/ama/EQTs-Unpacked-What-Should-You-Look-for-In-Your-All-Equity-ETFs__POST-1784092573955-kOqGJChS_Fidelity ๐ Fun fact: Fidelityโs All-in-One Equity ETF, FEQT, is one of the few all-equity ETFs that includes a small crypto allocation. ๐จ๐ฆ Note: This AMA is Canada-focused since Fidelity Canadaโs ETFs are available to Canadian investors. P.S. We host an AMA every month with a different ETF provider, so stay tuned! These AMAs are your best chance to get your questions directly in front of the teams creating Canadian ETFs ๐ฅณread more
Since so many people ask how to invest in this sector, or this country, or this asset, Iโve 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 Letโs 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 Thereโs so many ETFs I didnโt 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 youโre looking to get out of investing. As always do your research and happy investing! Subscribe to the newsletter: relatablefinance.substack.com read more
I was accused of cherry picking my data about Return Of Capital when talking about covered calls in my recent posts. Truth is, I am still trying to learn as much as I can about this topic and I am just sharing what I am learning. But maybe they were right..... so lets dig into the data..... I looked at the 100 most bought ETFs here on Blossom using the Markets section and separated out all of the covered call ETFs. That left me with a list of 28 covered call ETFs so I built a chart that listed each ETF's distributions over the past 24 months or since inception, and compared it to the Total Return. This is the strategy used to figure out if the Distribution is eroding the Net Asset Value. Basically it means your money is just coming back to you in order to maintain the distribution yield if the total return is less than the distribution. This is not good and would be considered a bad form of ROC (Return of Capital) because you are basically paying fees for somebody to send your investment back to you. Here are the results: Over the past 24 months or since their inception date, 11 out of the 28 Covered Call ETFs have had destructive NAV and Bad ROC meaning that they are just returning your money back to you. MSTE (TSX) โ Harvest MicroStrategy Enhanced High Income: -91.5% Total Return | 158.2% Annualized Yield (Since Inception | Destructive ROC Gap: +249.7%)* MSTY (US) โ YieldMax MSTR Option Income Strategy: -74.2% Total Return | 94.5% Annualized Yield (Since Inception | Destructive ROC Gap: +168.7%)* ULTY (US) โ YieldMax Ultra Option Income Strategy: -42.8% Total Return | 88.6% Annualized Yield (Since Inception | Destructive ROC Gap: +131.4%)* TSLY (US) โ YieldMax TSLA Option Income Strategy: -38.5% Total Return | 54.4% Annualized Yield (2-Year History | Destructive ROC Gap: +92.9%) CONY (US) โ YieldMax COIN Option Income Strategy: -12.4% Total Return | 68.2% Annualized Yield (2-Year History | Destructive ROC Gap: +80.6%) TSLY (TSX) โ Harvest Tesla Enhanced High Income: -8.1% Total Return | 32.5% Annualized Yield (2-Year History | Destructive ROC Gap: +40.6%) YTSL (TSX) โ Purpose Tesla Yield Shares ETF: -2.5% Total Return | 31.2% Annualized Yield (2-Year History | Destructive ROC Gap: +33.7%) HBTE (TSX) โ Harvest Bitcoin Leaders Enhanced Income: +14.1% Total Return | 34.8% Annualized Yield (Since Inception | Destructive ROC Gap: +20.7%)* HHIS (TSX) โ Harvest Diversified High Income Shares: +11.2% Total Return | 30.1% Annualized Yield (Since Inception | Destructive ROC Gap: +18.9%)* PLTE (TSX) โ Harvest Palantir Enhanced High Income: +32.6% Total Return | 34.2% Annualized Yield (Since Inception | Destructive ROC Gap: +1.6%)* ETHY (TSX) โ Purpose Ether Yield ETF: +18.2% Total Return | 19.1% Annualized Yield (2-Year History | Destructive ROC Gap: +0.9%) BTCY (TSX) โ Purpose Bitcoin Yield ETF: +24.8% Total Return | 21.8% Annualized Yield (2-Year History | Sustainable ROC Gap: -3.0%) ENCL (TSX) โ Global X Enhanced Cdn Oil & Gas: +21.5% Total Return | 12.4% Annualized Yield (2-Year History | Sustainable ROC Gap: -9.1%) NVDY (US) โ YieldMax NVDA Option Income Strategy: +68.5% Total Return | 58.5% Annualized Yield (2-Year History | Sustainable ROC Gap: -10.0%) QQCL (TSX) โ Global X Enhanced NASDAQ-100: +28.4% Total Return | 11.8% Annualized Yield (2-Year History | Sustainable ROC Gap: -16.6%) QDAY (TSX) โ Hamilton Enhanced Technology DayMAX: +38% Total Return | 19.5% Annualized Yield (Since Inception | ROC Gap: -18.5%)* QQQI (US) โ NEOS Nasdaq 100 High Income ETF: +32.2% Total Return | 13.6% Annualized Yield (2-Year History | Sustainable ROC Gap: -18.6%) BIGY (TSX) โ Evolve US Equity UltraYield ETF: +33.5% Total Return | 11.2% Annualized Yield (2-Year History | Sustainable ROC Gap: -22.3%) UTES (TSX) โ Evolve Canadian Utilities Enhanced: +31.0% Total Return | 8.5% Annualized Yield (2-Year History | Sustainable ROC Gap: -22.5%) USCL (TSX) โ Global X Enhanced S&P 500 Covered Call: +35.8% Total Return | 10.5% Annualized Yield (2-Year History | Sustainable ROC Gap: -25.3%) ECHI (TSX) โ Ninepoint Enhanced Canadian HighShares: +36.2% Total Return | 10.1% Annualized Yield (2-Year History | Sustainable ROC Gap: -26.1%) YNVD (TSX) โ Purpose NVIDIA Yield Shares ETF: +58.4% Total Return | 28.4% Annualized Yield (2-Year History | Sustainable ROC Gap: -30.0%) HDIF (TSX) โ Harvest Diversified Monthly Income: +41.0% Total Return | 10.2% Annualized Yield (2-Year History | Sustainable ROC Gap: -30.8%) ZWC (TSX) โ BMO Canadian High Dividend Covered Call: +38.5% Total Return | 6.3% Annualized Yield (2-Year History | Sustainable ROC Gap: -32.2%) HYLD (TSX) โ Hamilton Enhanced U.S. Covered Call: +46.2% Total Return | 12.0% Annualized Yield (2-Year History | Sustainable ROC Gap: -34.2%) BANK (TSX) โ Evolve Canadian Banks Enhanced Yield: +48.5% Total Return | 10.2% Annualized Yield (2-Year History | Sustainable ROC Gap: -38.3%) HMAX (TSX) โ Hamilton Canadian Financials Yield: +51.2% Total Return | 10.9% Annualized Yield (2-Year History | Sustainable ROC Gap: -40.3%) HDIV (TSX) โ Hamilton Enhanced Multi-Sector: +59.8% Total Return | 10.8% Annualized Yield (2-Year History | Sustainable ROC Gap: -49.0% | Best ROC) It looks like single stock ETF's generally have the worst ROC of the bunch. Seems like they take the full downside when a stock falls and the options limit the upside in exchange for cash flow. Broad Multi-Sector funds targeting 8-12% distributions seem the most sustainable as they provide both upside in appreciation but also sustainable distributions that do not erode the fund. The best overall performers were HDIV HMAX HYLD and BANK As far as I can tell it looks like almost half of the most popular covered call ETF's on Blossom are sending your own money back to you..... with fees and sometimes taxes..... And I can't find a single ETF in this list where the covered call version has outperformed the same asset without covered calls. I love the idea of income, especially if it is needed for monthly expenses but it just makes me think that what we really need is for Wealthsimple and Questrade to launch an Automated Withdraws feature in a way that would give investors a similar result without the fees and upside limits of Covered Call ETFs. What are your thoughts? If you could setup automated withdraws in a way that worked similar to receiving a distribution from a covered call ETF would that be an appealing option to covered call investors? What am I missing? PS. If someone (including me) is wrong about something, kindly point out the mistake and the correct information. Dont be a prick. **Updated to correct for QDAY read more
KOSPI is flat tonight.. so far. Samsung reported earnings which were much better than SK Hynix yesterday. They reported nearly +1,900% opertating profit YoY ๐คฏ Donโt wanna comment yet, you know what happens everytime. Hopefully some relief tomorrow.. or Friday.. Goodnight my salted ice cube crew
๐ฅ 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! โก๏ธ 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 ๐ ๐ฑ 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 ๐ ๐ Can't wait for BlossomCon Vancouver and New York!!! (https://www.blossomsocial.com/blossomcon2026) ๐ 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 ๐
The market didnโt like $SOFI earnings. Some people didnโt like that I stayed bullish either. I actually lost more followers today than on any day in the last 3 months. Thatโs okay. Iโm not here to chase engagement. Iโm here to share what I genuinely believe. One quarter, or one red day, doesnโt change my long-term thesis. I still believe SoFi is building one of the strongest financial platforms in the country, and Iโm investing based on where I think the business will be years from now, not where the stock trades tomorrow. If my thesis changes, Iโll tell you. Until then, Iโm staying the course. NFA. read more
One of the biggest market stories of the year may have less to do with AI and more to do with risk management. My latest video breaks down the sequence of events and the investing lessons that come from it. ๐ฅ https://youtu.be/F3Bl8yUyyIQ
โ๏ธ- Start As Soon As Possible. โ- Build A Slush Fund 3-5 Months Of Expenses. ๐- Stay Consistent No Matter The Noise. โโ- Save More Then You Spend. ๐ - Diversify (Always) ๐๐ - Find The Investing Schedule That Works For You and Stay Consistent. โ๐ - Find Your Risk Tolerance. ๐๐ - Build A Monthly Budget. ๐๐โ๏ธ - Build A Watchlist Of Stocks & ETFs You Find Interesting. ๐๐ - Watch High MER Fees That Eat Your Wealth OverTime โ๏ธโ๏ธ- Keep Learning With Books and YouTube. PS. I will be Investing $100 into XEF & $100 in VFV This Friday. Comment Your Adviceโฌโฌread more
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. Thatโs 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. Itโs 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. Iโve watched people turn into monsters. Make sure you have a will!!!! or people will fight. ๏ฟผ I know most people hate thinking about their death or their spouses death but honestly itโs just a fact of life. Iโve personally been the executor of 2 estates now. This is my advice: 1. If your young get life insurance. If youโre retired itโs 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 youโre 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 doesnโt have to go through the estate. 7. If youโre married, both people should have their name on all the vehicles, joint, otherwise itโs 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 ๏ฟผwill (or the location of your will), ๏ฟผ 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 youโre married, Iโd 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 Iโd avoid this as much as possible especially if youโre married. This is why having property in both peopleโs names is so important because it doesnโt 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 itโs up-to-date. If you are young and do not own much or canโt 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 youโre 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. ๏ฟผ Disclaimer Iโm 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 Iโll 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
The wild ride of 24-year-old former OpenAI researcher Leopold Aschenbrenner just hit a massive Wall Street wall! His hedge fund, Situational Awareness LP, just liquidated its entire public portfolio after a brutal squeeze. ๐๐ฅThe Quick Breakdown:The Squeeze โก: He bet big on AI hardware and shorted traditional software like Adobe. The trade flipped, sparking massive margin calls from major banks.The Citadel Rescue ๐ค: Ken Griffinโs Citadel stepped in to buy the wreckage in a private block trade, saving the open market from a total meltdown!Today's Relief Rally ๐: The Nasdaq is soaring over 3% today, and Nebius (NBIS) is leading the charge 27.54%, SanDisk up 24.83%, Micron (MU) up 18.59%, Microsoft (MSFT) jumping 16.91% as tech investors breathe a huge sigh of relief. Whatโs Left? ๐ฎ His public fund shrunk from $45B to $10B, but his private investments are safe including a massive $5B stake in Anthropic ๐ค. From a 439% return in the first half of the year to total liquidation, this is one of the fastest reversals in Wall Street history! ๐คฏread 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!!
$MU$SKHY$DRAM A common argument in memory investing is: "It's cyclical. The same cycle will repeat." But the AI era may be changing the equation. HBM requires significantly more manufacturing capacity per bit than traditional memory, while long-term agreements across the industry suggest customers are prioritizing supply security. The question isn't whether memory remains cyclical it probably will. The bigger question is whether AI-driven demand has created a different cycle structure than previous generations. Are we looking at another memory cycle, or the beginning of a more structurally supported demand environment?read more
My concern is that the market hasn't corrected itself yet. If not now, when? This rollercoaster keeps going up, up, and up. ๐ข It will be a scary dive when it happens. ๐๐ฑ -Myra $SPY$QQQ$VTI
Anthropic is reportedly in advanced talks to secure $15B in financing for a 1.6GW Texas data center, with the project expected to use $GOOG TPUs alongside $AVGO technology. To me, the bigger takeaway isn't just the size of the project. It's another sign that custom AI infrastructure is becoming a strategic priority as demand for large-scale compute continues to grow. If projects like this move forward, custom silicon and AI infrastructure could remain key areas to watch over the coming years. Which part of the AI stack do you believe has the biggest long-term opportunity: chips, cloud infrastructure, or AI models?
