Opening a $PLTR position seemed appropriate for my portfolio. If you’re a conspiracy guy.. people say it was created by the Bilderberg group. If that’s true, Palantir will be making lots of money for a very long time.💵 Do you participate in The conspiracy lore of America? Let me know in the comments👇🏻🤨
Right now I mainly hold XEQT + some QQQM. I’ve been thinking about adding more Canadian exposure, possibly through VDY, since XEQT already has roughly 25% Canada but VDY would give me more exposure to Canadian banks, energy, and dividends. My original idea was: * 60% XEQT * 15% QQQM * 25% VDY Recently I’ve also been looking at FINN (Fidelity Global Innovators ETF). Its returns have been impressive, but it’s newer and has a much higher MER (~1.09%). The fee doesn’t bother me much if the active management can justify it over the long term. My concern is overlap. FINN owns many of the same growth/tech names as QQQM, so if I bought FINN I’d likely sell QQQM rather than hold both. So I’m debating between: * XEQT + QQQM + VDY * XEQT + FINN + VDY * Or keeping FINN as a smaller position With a maximum 20-year horizon, would you prefer VDY for the Canadian/dividend tilt or something broader like VCN/XIC? And would you choose FINN over QQQM for the growth portion?read more
It’s been a bit more than 1 year I have started trading options. Best decision of my life. Unrealized gain is cool, realized gain is better ⚡️ $HOOD$PLTR$IREN$NVDA$TSLA
Over halfway back from Vegas. About 8 more hours! Wish us luck!👍🏻 We had $MCD today. We wanted it because we have been discussing it a lot recently with the dividend increase and the ultra low price. Mentally we’ve bought it. We’re just gonna keep watching it drop before starting our position. Same thing we are doing with spaceX. $SPCX
I’ve gotten to know a bunch of you through Blossom events, messages, and just being around the community, but I realized I’ve never actually shared much about myself or how I ended up here. For those I haven’t met yet, I’m Tim, I’m 20, and I work as an intern on the Brand Partnerships team here at Blossom. My journey here has been a pretty unconventional one. Growing up, my entire world was gaming. I started playing Fortnite competitively at a pretty young age, eventually playing professionally and getting signed to some of the biggest organizations in esports, including Overtime. Then, before high school, I decided to walk away from it. I had spent so much of my childhood behind a computer that I wanted to experience a completely different side of life. Somewhere along the way, I fell in love with business. From flipping cars, to running Amazon FBA, to starting and eventually selling a landscaping business, I was constantly trying something new. Some things worked, a lot didn’t, but I loved figuring out how to build something from nothing. That same curiosity eventually led me to investing. I became fascinated by the businesses behind the stocks. How they made money, why some companies won while others didn’t, and ultimately where I wanted to put my own money. That interest eventually led me into finance and most recently private equity. For a while, I thought I’d stay on the traditional finance path. Then I joined Blossom. It was a completely different direction, but looking back, it brought together pretty much everything I loved: investing, entrepreneurship, technology, and building. And it’s genuinely been some of the most fun I’ve ever had. I’ve gotten to work on things I never expected to be doing at 20, travel across the country for BlossomCon, and learn firsthand what it takes to build a company. But easily the best part has been the people. Working alongside @tigertim , @maxstocks, @brandon , and the rest of the team has given me some of my favourite memories. Everyone here genuinely cares about what we’re building, moves insanely fast, and still manages to have a ton of fun doing it. The culture being built at Blossom is something really special, and I’m incredibly excited to see where we take it. I also want to hear from you guys. If there’s anything you love about Blossom, think we could do better, or want to see us build in the future, drop it below or shoot me a message. I’d genuinely love to hear it, and you’ll definitely be seeing more of me on here :)read more
I was listening to episode 426 of the Rational Reminder podcast and they started talking about something I really hadn’t thought much about before. We spend so much time figuring out what kind of investor we are. What’s my risk tolerance? How much risk should I take? How much do I need to save? But what about the other side of it — what kind of spender are you? At some point the money we’re saving and investing is actually supposed to be spent. They talked about three types of spenders: Tightwads → Unconflicted Consumers → Spendthrifts. There’s actually a test for this, so of course I had to take it. I scored 15 — Unconflicted Consumer. What am I actually saving all this money for? For me, I don’t think it’s material things anymore. When I was younger maybe it was. I’ve talked before about buying a motorcycle in my early 20s when I finally had a decent job and some money. At this point in my life, I think it’s experiences. My wife and I are celebrating our 15th wedding anniversary and we’re going away together for 10 days. We’re spending more on this trip than we normally would, and I’m completely okay with that. We’ve both worked hard, we’re busy raising our kids, and life seems to move faster every year. Ten days where we can get away together, slow things down and celebrate 15 years of marriage means something to me. That’s something I’m willing to spend money on. Someone else might look at what we’re spending and think that’s crazy. But maybe they’ve dreamed about owning a Mustang for 30 years and that’s what they want to spend their money on. I’d probably look at the Mustang and think… nope. But that’s the point. What do YOU want to spend your money on? I think we spend so much time learning how to save and invest that we don’t really think about what happens when it’s finally time to spend it. If you’re a natural saver or a “tightwad,” after 30 or 40 years of telling yourself NOT to spend money, can you suddenly flip that switch in retirement? Apparently I’m an Unconflicted Consumer, so maybe I’ve got a fighting chance. If you want to try the University of Michigan test, here it is: https://umich.qualtrics.com/jfe/form/SV_55xxAQrYK0WRlY2 Take it and post your score. I’m curious where everyone falls. read more
With ultra high-yield funds, it is important to pick funds with good underlying assets that can support the yield of the fund. This helps guard against NAV erosion. You can see an example of this with Yield Max’s fund, $CHPY which has avoided consistent NAV erosion so far. You generally want the following qualities if you want to guard against NAV erosion: 1.) Pick an asset or sector with tremendous upside potential such as semiconductors/AI/Big Tech (currently). 2.) In general, pick a fund that holds the underlying instead of using synthetic options. The only exception to this is Kurv Investments who has managed their synthetics very well. 3.) You want a fund that sells either call spreads or put spreads (these are NOT covered calls. Call spreads are partially uncapped and put spreads are uncapped but have more downside risk). If you do buy a covered call fund, make sure they do not sells covered calls against 100% of the assets of the fund. For example, GPIX sells covered calls against 25% to 75% of the fund’s assets based on market conditions. If GPIX sells against 25% of the funds assets, the 25% is capped but the other 75% of the portfolio is not. This is why how much of the assets they write covered calls against matters. These tips do not eliminate NAV erosion risk. After all, there is no free lunch, but these tips can help you mitigate the issue and make your income from these funds more durable.read more
When I first started investing, I made it WAY more complicated than it needed to be. I thought I needed to find the next crazy stock, own a bunch of different ETFs, and constantly be changing something in my portfolio. Looking back, I probably would’ve been better off just keeping things simple 😭 So for anyone on Blossom who’s just getting started, here are a few of the main types of ETFs I wish I understood when I started: 1) S&P 500 🇺🇸 500 of the largest publicly traded companies in the US. A simple way to get exposure to companies like Apple, Microsoft, Amazon, Nvidia, and more. US: $VOO / $SPLG Canada: $VFV / $ZSP 2) Total US Market 🇺🇸 Want broader US exposure? Total-market ETFs include large, mid, and small-cap companies instead of only the S&P 500. US: $VTI Canada: $XUU / $VUN 3) Global / All-in-One 🌎 One of the simplest approaches for someone who doesn’t want to manage a bunch of different allocations themselves. Canada: $XEQT / $VEQT / $ZEQT One ETF can give you exposure to thousands of companies across Canada, the US, and international markets. 4) Dividends 💰 For investors interested in companies that regularly return cash to shareholders, dividend ETFs bundle a bunch of dividend-paying companies together. US: $SCHD / $VYM / $DGRO Canada: $VDY / $XEI Just remember: a high dividend yield doesn’t automatically mean a better investment. Total return still matters. 5) Growth / Tech 💻 If you want additional exposure to growth and technology companies, there are ETFs for that too. US: $QQQM / $VUG Canada: $QQC / $TEC Just remember: adding one of these on top of an S&P 500 or all-in-one ETF means you may be increasing your exposure to companies you already own. The biggest thing I wish I understood earlier: More ETFs ≠ more diversification. Owning $VFV + $QQC + $XEQT might look diversified because you own three ETFs, but there can be significant overlap between their underlying holdings. Sometimes the simplest portfolio is the one you’re actually able to stick with. Pick an approach you understand, invest consistently, keep learning, and give compounding time to do its thing. Not financial advice — just what I wish someone explained to me when I started. ☺️read more
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
A new milestone on @blossom for me. Thank you 7000 times for 7000 followers!! 🚀 I really appreciate everyone who follows along and reads my posts or distribution/dividend announcements since 3 years now If only 1 out of every 7 of you decided to follow me on my new YouTube channel, I’d honestly be so happy. 😊 It took me a while to finally decide to start this channel. My wife really doesn’t want me showing my real face on the internet, and I completely respect that because we both want to protect our privacy. So I decided to create an avatar that looks a lot like me without being exactly me… although he definitely dresses like me! 😂 That also means I have to create my characters, write my scripts, generate voices and video sequences with AI, and then edit everything together. It takes a LOT more time — and can sometimes be VERY frustrating 🤣 — compared with simply sitting in front of a laptop, turning on a camera and talking. But along the way, I discovered something I really enjoy. It allows me to develop my creative, cinematic and humorous side, while talking about investing and trying to share useful information without making finance boring. Hopefully, one day the channel can generate a few dollars — even if it’s just enough to cover the cost of the AI tools I currently pay for out of my own pocket to create these videos. I may be retired, but somehow I’ve managed to give myself a new unpaid job! 😂 It takes a lot of time and some money… but while I’m making videos, at least I’m not cleaning the house. Watch Episode 14 about Procter & Gamble and you’ll understand. 🤣 More seriously, I’d genuinely love to hear your feedback and comments about the channel. My goal is to keep entertaining you while sharing information about investing, new investment products, distributions and dividends. And if you enjoy what I’m creating, subscribing to the channel would probably be the nicest little way you could support what I’m building. ❤️ https://youtube.com/@andypiimedia https://youtu.be/TokPcifO3vo I was happy when I reached 5K, now 7000 wow! Thank you to read me almost each day. read more
If you’re building a portfolio around one US equity index, would you choose the S&P 500 index $VOO or the total US stock market $VTI ? The S&P 500 gives you roughly 500 large US companies and represents about 80%+ of the US market cap. The total market index adds mid, small and micro cap companies, giving you exposure to essentially the ENTIRE investable US stock market. Historically, the S&P 500 Index has had periods where it outperformed the total market, particularly when large caps were leading by a large margin. But over LONG periods, the performance difference has generally been relatively SMALL. And which is SAFER, less volatile? They’re both 100% stocks, so neither is “safe” in the traditional sense. Let's agree on that... 😆 The total market is more diversified by company size, while the S&P 500 is more concentrated in large companies. Personally, I think the more interesting question isn't which one is better, but which approach makes the most sense for YOU and your goals and circumstances. Which would you use as your core US holding.... The S&P 500 or total US stock market? If you'd like to see the performance breakdown of VTI v VOO with long term data and the risk profile of VTI, I just dropped my latest ETF deep dive. PS. let me know which ETF you would like a deep dive in next as well! https://youtu.be/xetF2QJ_2L4read more
Heavenly Father, before anything else, I just want to say thank You. Thank You for life, for health, protection, wisdom, strength, and every opportunity You continue to place in front of us. Father, we know that every achievement is not only about what we can see on the screen. Behind every milestone are lessons, patience, discipline, mistakes, corrections, and moments when we had to trust You even when we couldn’t see the outcome. Today, I thank You, God, for allowing me to experience another milestone with my trading community. I just reached $1,266,287 🚀🚀🚀 Lord, keep us humble when things are going well. Give us wisdom when things become difficult. Help us never allow money, profit, or success to become bigger than You in our lives. Give us the discipline to know when to enter, when to wait, when to take profit, and most importantly, when to walk away. Your Word says: “I can do all things through Christ which strengtheneth me.” – Philippians 4:13 This verse reminds me that strength doesn’t only show up when everything is going perfectly. Sometimes strength is having the patience to wait. Sometimes it is accepting a loss and learning from it. Sometimes it is having the discipline not to take a trade when there is no setup. And sometimes it is simply trusting God through a season where we don’t understand what is happening. Father, whatever success You allow us to experience, help us use it wisely. Give us the wisdom to manage what You place in our hands, the humility to keep learning, and the heart to help other people grow instead of making them feel like they are behind. 🙏 And Lord, I pray for everyone reading this. As we come to the end of this week, please cover every person and their family. Protect their homes, health, finances, businesses, jobs, and everything that concerns them. Let good news locate them. Let favor speak for them in places they cannot speak for themselves. Open doors that no person can shut. Give them peace where there has been stress, direction where there has been confusion, strength where there has been weakness, and hope where they may have been feeling discouraged. Bless their families. Protect their children and loved ones. Give them wisdom with every decision they make, and let the coming days bring testimonies, opportunities, breakthroughs, and reasons to smile. May nobody reading this walk into unnecessary trouble. May God go ahead of us, guide our steps, protect us from what we cannot see, and give us the wisdom to recognize the opportunities that are meant for us. In Jesus’ name, Amen. 🙏❤️ 📊 TODAY’S LIVE TRADING WITH MY TRADING COMMUNITY The positions shown include: $MU$930 Call 105 contracts Average price: $15.75 Market value: $825,825 Realized Profit: +$660,450 $COIN$167.50 Call 155 contracts Average price: $3.00 Market value: $418,112.50 Realized Profit: +$371,612.50 $HOOD$105 Call 150 contracts Average price: $2.03 Market value: $218,625 Realized Profit: +$188,175 $GOOG$342.50 Call 150 contracts Average price: $2.23 Market value: $79,500 Realized Profit: +$46,050 Combined Realized Profit: $1,266,287.50 🔥 Now, let’s talk about today’s live trading. I just hit a milestone of $1,266,287 🚀, and while the number is exciting, I want to use these setups for something more important than simply showing a big number. I want someone to learn from them. One thing I always tell people is that options can be an amazing tool when you actually understand what you’re doing. But that same tool can become extremely dangerous when you jump into it without knowledge, a plan, understanding risk, or knowing what you’re actually buying. And I’m not saying this because I think I’m perfect. I’m not. Nobody is. I don’t care if you’ve been trading for 10 years or you’ve been trading for 10 days, there is always something new to learn. The market will humble you very quickly if you stop learning. That’s why I believe knowledge should always come before money. 📊 LET’S USE $COIN AS AN EXAMPLE Look at the $COIN$167.50 Call Setup. The premium shown moved from around $3.00 to $28.40. A standard options contract represents 100 shares. So if someone bought 1 contract at $3.00, the cost would be: $3.00 × 100 = $300 If that same contract reached $28.40, the value would be: $28.40 × 100 = $2,840 That means the difference would be: $2,840 − $300 = $2,540 profit That’s an $2,540 gain on a $300 premium Now imagine seeing that and thinking: “I need $10,000 or $20,000 before I can start learning options.” You don’t necessarily need a huge account just to learn how options work. Someone could start with a smaller account, even around $1,000, and focus on setups that actually match their account size and risk tolerance. But here’s the part people sometimes forget: A small account can still become $0. Having $1,000 doesn’t mean you should risk the entire amount. If you don’t understand options, you can lose money just as quickly as you can make it. 📊 NOW LOOK AT $HOOD The $HOOD$105 Call in the setup shows a premium around $2.03 and a later price around $14.80. If we use one contract as an example: $2.03 × 100 = $203 At $14.80: $14.80 × 100 = $1,480 The difference would be: $1,480 − $203 = $1,277 So, in this simplified example, one contract would have increased by $1,277 profit That’s why options can be so powerful. But that’s also exactly why options can be dangerous. The same leverage that can multiply a winning trade can also multiply losses when the trade moves against you. You have to understand things like: • Calls and puts • Strike price • Expiration date • Premium • Intrinsic and extrinsic value • Delta • Gamma • Theta • Vega • Implied volatility • Bid and ask spreads • Liquidity • Volume and open interest • Break-even price • Position sizing • Risk-to-reward • Market structure • Entries and exits • Profit-taking • Stop-loss/risk management • Trading psychology And there’s something else that matters just as much: You don’t have to trade every day. Sometimes the best trade is no trade. Don’t chase a move because you saw somebody else make money. Don’t enter because you’re afraid of missing out. Don’t revenge trade because you lost yesterday. And don’t increase your position just because the last trade worked. One good trade does not make you a great trader. One bad trade does not make you a terrible trader. What matters is continuing to learn, manage risk, stay disciplined, and build a process you can actually follow. Options are risky. You can lose part or all of the money you put into an options position, and some strategies can carry even greater risks. So please don’t look at these numbers and think, “This is easy money.” It’s not. The screenshot is the result. The knowledge, preparation, risk management, patience, and decision-making behind the trade are the part you don’t always see. I want to make something clear. I’m not posting this to show off. I’m posting it because I want someone who is watching from the outside to understand that there is a lot more to options trading than simply seeing green numbers. The lesson I want to share is simple: Learn first. Understand what you’re doing. Start with an account size and risk level you can actually handle. Protect your capital. Stay disciplined. Keep learning. If you’re starting with $1,000, don’t feel like you need to trade like someone managing $100,000. Trade according to your own account size. Your position size should make sense for you. Your risk should make sense for you. Your goals should make sense for you. And never forget that the market doesn’t owe us a profit. 🙏 PUT GOD FIRST Above everything, I always want to give God the glory. Because without God, I wouldn’t have the wisdom, strength, opportunities, patience, or ability to recognize and execute the setups that come my way. I believe God gives us different gifts, but He also expects us to use those gifts wisely. That’s one reason I love sharing what I’ve learned with others. If the knowledge God has blessed me with can help another person understand trading better, avoid a mistake, become more disciplined, or simply become more educated before putting their money at risk, then I’m happy to share it. The Bible says: “The liberal soul shall be made fat: and he that watereth shall be watered also.” – Proverbs 11:25 That verse reminds me that what we have been blessed with can also become a blessing to someone else. So if I have knowledge that can help somebody, I want to share it. If someone has knowledge that can help me, I want to learn from them too. We all learn. We all grow. Nobody knows everything. 📊 WHAT I’M REALLY TEACHING WITH THIS POST I’m teaching that success isn’t just about the profit number. It’s about the process behind it. It’s about learning how the market works. It’s about understanding options before putting money into them. It’s about knowing your risk. It’s about protecting your capital. It’s about controlling your emotions. It’s about having patience. It’s about knowing when to take a setup and when to stay out. And most importantly, it’s about remembering that money is a tool, not the purpose of life. Put God first. Keep learning. Help others when you can. Stay humble when you win, stay teachable when you lose, and never let one good day convince you that you know everything. The milestone is $1,266,287 🚀🚀🚀🚀🚀 But the real win for me is being able to build, teach, and grow together with a community of people who genuinely want to understand the market. Keep learning. Keep growing. Keep God first. 🙏 ⚠️ OPTIONS RISK DISCLAIMER Options involve substantial risk and can result in the loss of some or all of your investment. All setups and information shared are for educational purposes only and are not financial advice or a recommendation to buy or sell any security.read more
At a Berkshire Hathaway annual meeting back in 2012, Warren Buffett was asked whether Berkshire would ever pay a dividend. His response was that shareholders who wanted income were generally better off creating it themselves by selling a small amount of Berkshire stock each year. He even used a 2% example: rather than Berkshire paying a 2% dividend, a shareholder could simply sell roughly 2% of their holdings. His reasoning was that Berkshire could retain the cash and, historically, turn each retained dollar into more than $1 of market value. Whether it is better to sell shares or receive a distribution has been a long-standing debate among retail investors. On one side, you have people who say they do not want to sell shares for income because, eventually, they will run out of shares. On the other side, you have people who argue that high-distribution income funds are simply giving investors their own money back and will eventually grind their NAV down toward zero. Funny enough, while these are two very different strategies, the fear behind both arguments is basically the same. Eventually, you will have nothing left. The problem is that we can never know what future returns will be. What we can do is look backward. Hindsight is 20/20, so we can take different investments, apply different withdrawal strategies, and ask a simple question: Had I done this instead of that, where would I be today? One of the older funds in the covered-call income space is Global X QYLD. It launched in December 2013, holds stocks from the Nasdaq-100, and uses a covered-call strategy to generate income and make monthly distributions. That gives us almost 13 years of history to work with. So we can compare QYLD against SPY, which tracks the S&P 500, and QQQ, which tracks the Nasdaq-100. But simply comparing their total-return charts doesn’t account for spending. The income investor isn’t selling shares whereas the growth investor would need to sell shares every month to generate cashflow. So to make the comparison more even, the SPY and QQQ investors need to receive the exact same amount of cash to spend each month that the QYLD investor receives in distributions. Every time QYLD makes a distribution, the SPY and QQQ investors sell enough shares to generate that same dollar amount of cash. Now we are comparing an investor who never sells a share with investors who are selling shares month after month for almost 13 years. For this example, assume each investor started with $1,000,000 on December 12, 2013. Fractional shares are allowed, taxes and trading costs are ignored, and dividends from SPY and QQQ are reinvested. The only cash removed from those portfolios is the amount needed to match QYLD’s monthly distributions. At the starting prices: $1,000,000 in QYLD at $25.04 bought approximately 39,936.1 shares. $1,000,000 in SPY at $178.13 bought approximately 5,613.9 shares. $1,000,000 in QQQ at $84.96 bought approximately 11,770.2 shares. Global X’s distribution history works out to approximately 152 QYLD distributions through August 2026, totaling about $29.06 per original share. For someone who started with 39,936.1 QYLD shares, that means they would have received and spent approximately $1,160,641 in cash distributions over nearly 13 years. They did not have to sell a single share. At the end of the period, they still own all 39,936.1 QYLD shares, and those shares are worth approximately $740,815. Because they made no reinvestment, the market value of the original QYLD position is down about 25.9% from where it started, but the investor has already received and spent more in distributions than the original $1 million investment. Now let’s compare that with what would have happened if the investor had instead bought SPY or QQQ and sold shares every month to create the same cash flow. Every month, the SPY investor had to sell enough shares to generate the same cash payment the QYLD investor received. Over the full period, the SPY investor also received approximately $1.16 million of spending money. After all of those monthly share sales, the SPY investor is down from about 5,614 original shares to approximately 2,760 shares remaining. Those remaining shares are worth approximately $2.10 million. So despite selling shares month after month for almost 13 years, the SPY investor still has roughly $2.1 million invested. The QQQ investor started with about 11,770 shares and, like the SPY investor, sold shares every month to match QYLD’s cash distributions. After almost 13 years of doing that, they would still have approximately 6,703 QQQ shares remaining. Those shares are worth approximately $4.84 million. That means the QQQ investor finished this historical period with approximately $4.1 million more still invested than the QYLD investor, even though the QQQ investor had been selling shares the entire time. This isn’t an argument that people shouldn’t invest in income products. It also isn’t saying that every covered-call fund will produce results like QYLD, or that SPY and QQQ will perform the same way over the next 13 years. This is simply looking backward at three specific funds over a period that has already happened. The lesson isn’t that selling shares is better than receiving distributions. It’s that share count and wealth are not the same thing. An investor can sell shares year after year and still end up with substantially more capital, while another investor can keep every share they started with and still see the value of their portfolio decline. Selling shares does not automatically mean you are depleting your portfolio, just as collecting distributions without selling shares does not automatically mean you are preserving your capital. In the end, it always comes back to total return read more
🐝 In today's Weekly Buzz I dove into the arguments published in Fortune and Yahoo Finance by Capital Economics analyst James Reilly who calls the AI trade a “late-stage bubble” and is projecting a 30% drop in the S&P 500 from its highs by 2027. 💡 His arguments include: - 📈 S&P 500 earnings growth concentrated almost entirely in tech and chips, now matching dot-com era peaks - 💸 Combined free cash flow of the four largest AI hyperscalers projected to turn negative in 2027 due to AI CapEx - 🏦 Big Tech bond issuance more than doubling year-over-year to fund the cash flow gap - 🚀 A fresh wave of AI IPOs, which Reilly calls the clearest late-bubble signal (most notably Anthropic’s IPO, which he called an ‘IPO of doom’ and compared to Pets.com, whose IPO was seen as the beginning of the end for the dot-com bubble) 💥 Obviously calls for a crash are nothing new, but I thought the argument was worth covering, so wanted to open up a discussion thread to hear everyone's thoughts on Blossom! 💬 One quote I liked in this context from Peter Lynch: ""Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in corrections themselves." Take last weekend for example when everyone thought the market was going to crash Monday due to the open letter from Anthropic 🤣 💡 That said, I think the risks are real and the '30% drop' prediction is a good thought experiment for us all to make sure your portfolio matches your goals and risk tolerence... if your investing for the long-term, statistically you WILL experience a crash eventually, the test is whether you can ride it out without panic selling 👀 🫡 My full write-up should be in your inbox! read more
Earlier this week, Trump said the US will stop trading with Europe if Canada joins the EU as an "associate member." Carney says the EU and Canada should ally to "protect" their markets and democracies from the US. A reminder that Trump imposed 50% tariffs on $20 billion worth of Canadian goods just a week before all this talk. Thoughts, my fellow Canadians?
My household investment portfolio has reached approximately $1.4 million, but there’s an important part of that number I want to be completely transparent about: approximately $180,285 is investment-related borrowing. In this portfolio update, I’m breaking down the actual numbers behind the portfolio, including: 📈 $1,400,363 current portfolio value 🌎 28,471+ shares of XEQT and 484 shares of VT 💳 $180,285 of investment-related borrowing 💰 Approximately $21,500/year in distributions 📊 Approximately 2.3% yield on cost 🔄 Distributions are essentially reinvested back into the same holdings I’ll also explain why I continue to keep my portfolio incredibly simple, with $XEQT making up the overwhelming majority of my investments. XEQT gives me exposure to thousands of companies across Canada, the U.S., developed international markets and emerging markets, while automatically rebalancing the portfolio. I’ll explain why that simplicity is so important to me — and why I’m not interested in constantly chasing whichever country, sector or stock happened to outperform over the previous decade. I’ll also talk about the small amount of $VT I hold in our RRSPs, and why U.S.-domiciled ETFs can make sense in certain Canadian registered accounts from a withholding-tax perspective. 🌎 One of the biggest themes in this video comes from Vanguard's "Think differently about global diversification" article. The U.S. has dramatically outperformed many international markets over the past decade. But looking backward, there's always something that performed even better. That’s why I continue to believe that diversification isn't about predicting which market will win. It's about acknowledging that we don't know. 📌 Important: This video is my personal investing journey and is for educational and entertainment purposes only. It is not financial, investment or tax advice. Investing involves risk, and borrowing to invest can significantly increase both potential gains and losses. The tax treatment of investment interest depends on individual circumstances and applicable CRA rules. 👇I'd love to hear from you: Would you be comfortable having a $1.4 million portfolio with $180,000 of investment borrowing, or would you prefer to invest completely debt-free? https://www.youtube.com/watch?v=RHiZbMkEaL0 read more
I’ve been saying this since Elon started working on robots and all the companies creating AI. We’re all focused on making money from tech companies but at what cost?
I see many beginners posting that they’re new to investing and don’t know where to start. 🤔 As someone who was in a similar situation just a few months ago and learned, here are the 4 ETF types (& ETFs) that are popular among long term investors 😃 : 1) S&P 500: US: $VOO / $SPY / $SPLG Canadian: $VFV / $ZSP / $TPU 2) GROWTH / TECH: US: $QQQ / $VUG / $VGT / $SCHG Canadian: $QQC / $HXQ / $TEC / $ZUQ 3) DIVIDENDS: US: $SCHD / $VYM / $DGRO Canadian: $VDY / $XEI 4) ALL IN ONE / BASKET / Global Exposure: US: $VT / $AVGE Canadian: $ZEQT / $XEQT / $TGRO / $VEQT / $ZGQ I noticed many people following this type of a basic / uncomplicated portfolio and are doing really well for themselves 🔥 For % allocation, you can divide evenly among the ETF categories or allocate a higher % based on your preferences. Just DCA regularly and you should be good. 😎 Some people even just put it all into an all in one etf like $XEQT. This is also a good approach - it is much simpler and it works. Ultimately, it comes to whatever you prefer 🙂 Oh and yea, there are overlaps, but I don’t think there is anything wrong in that though - it would just count as doubling down on good things. 💯 I’m sharing with you all what helped me, but don’t forget to do your own research too! 🙏🏼 read more
SPX: When the percentage of stocks above their 200 DMA breaks below 50%, selloffs can gain velocity as highlighted. The current reading is 52%, and the series of lower highs continues. Next week will be critical, the index must hold the line or this was just a tactical bounce. $SPY$QQQ$VTI
$GOOG: For over a decade, a P/E ratio of 17 has marked long-term buying opportunities. With the price currently at those lows, the stock is trying to find support at its 40 weekly average. From a fundamental perspective, any additional pullback would improve the entry point. $QQQ
Yesterday, I was trying to buy USDC at work while multitasking, but later, when I went back to check my balance, I realized I'd actually bought a large chunk of $BTC. Well, it worked out. It was a very serendipitous purchase.
Ever wonder why tech stocks swing wildly on market news while utility stocks barely move? It all comes down to Beta, the metric that measures how sensitive a stock is relative to the overall market. Understanding Beta is essential for balancing your portfolio strategy: * High Beta (> 1.0): Bigger swings than the market. During bull runs, these lead the rally, but they drop harder in corrections. Examples include high-growth tech like Nvidia ($NVDA, Beta ~2.0) or Tesla ($TSLA, Beta ~1.8). * Beta of 1.0: Moves right in line with the broad market. Funds like $VOO (S&P 500) or $VFV / $XEQT anchor your portfolio right at 1.0. * Low Beta (< 1.0): Smoother, less volatile performance. Defensive staples like Johnson & Johnson ($JNJ), Procter & Gamble ($PG), or utility funds like $UTES help cushion your portfolio during downturns. Market Outlook & Strategy With interest rates adjusting and tech valuations stretched, market volatility isn't going away. If you expect a choppy market ahead, balancing high-beta growth holdings with defensive low-beta assets keeps your portfolio growing without subjecting you to unbearable pullbacks. Did You Know? 🧐 A stock can actually have a negative Beta! Assets with negative beta, like certain gold equities ($ABX) or inverse ETFs, often move in the opposite direction of the stock market, making them popular hedges during severe market panics. — This is for educational and informational purposes only and does not constitute financial or investment advice. read more
This is the first time in my investing journey where I saw a milestone and kind of teared up. When Wealthsimple first released these stats, it was a fun way to see how I was progressing. I love video games and have always been good at them. Whenever a challenge existed in them, I would work rigorously until I beat them. It’s the nature of being a gamer. I essentially treated these features the same. Initially, my TFSA rank was top 5%, and I set myself s goal to make it to the too 500. I hit the top 500, then 400, then 300 and have now made my way in to the top 125… It truly boggles my mind that I have worked so hard that only 122 other people in Wealthsimple are above me in the TFSA and only 252 in the FHSA. I come from a super lower middle class family and never thought I’d be this liquid in my life. I’ve been working 60-75 hour weeks for the past 5 years consistently and I have no intention on stopping yet. Seeing where my financial journey started 6 years ago to today makes me emotional because I’m proud of everything I’ve accomplished so far and the goals I have set moving forward. I started posting on social media purely out of interest in personal finance and investing. My hope is to continue to grow this brand and help other young people out there realise their true potential. Investing has made such a positive impact in my life and has provided opportunities that would otherwise be unattainable. Only a few months left in the year, let’s put on our turbos and zoom past the finish line! Special shoutout to $AMD$ZNQ and $VFV for accelerating my net worth growth over the past couple years. read more
As you know from following Beskar Capital, we expected the meltup phase of the real estate/banking crisis cycle to display a significant amount of volatility. You have heard us say that 2026 would be the year of the highest volatility. If you take a moment to look back on the last 30 months, you can see it clearly. 👍 And now that Warsh believes that "those who are least well-off have the most to gain" from a rate hike while the whole lot lives on credit……….... Oh geez……this is just the beginning. ☠️⚰️ We also said this 2-3 year window would be a massive bull market, especially for those who respect the cycle and position themselves in the right areas of the market: a period to log decades of returns in a relatively short period of TIME. This is why CALL LEAPS have been central to our approach during this run up for exploiting this expected, highly volatile market. We are sitting on thousands and thousands of percent in UNrealized returns waiting to be collected. Those who followed us along the way have also generated life-changing returns that comes when you harvest them into realized gains. We'd like to kick things off with one of our early followers and current members, @bucklesmob , who just recorded a 10,922% profit on XOM CALL LEAPS in less than a year. 🤑🤑🤑 💸💸💸 10,922% in less than a year. Beskar Capital bought these $XOM$185 CALL LEAPS in November 2025, so we’ll assume Bucky did around the same period (we are still holding half of ours). Hey, conventionalists - read that again: 10,922% in less than a year. At your 10% index annualized return, it would take you ~49.3 years to achieve the same result. 🤣🤯🤦 Had you bought a mere $200 worth of those contracts, you would have turned that $200 into a staggering gain of $21,844 in less than a year. 🏆🏆🏆 Had you bought $1,000 worth of those contracts, you would have turned that $1,000 into a staggering gain of $109,220 in less than a year. 🏆🏆🏆 Here's the link if you don't believe it: https://www.blossomsocial.com/posts/Untitled-Post__POST-1789513298473-8HnZUWhJ_7rpNEkzTSNeV9s5z All right. Are you back? Did you wipe your glasses or rub your eyes?? Is your blood pressure back to normal??? Yes, still 10,922% in less than a year. Just think about that for a second and tell me with a straight face that the 36+ years I spent studying the markets and developing strategies to read and listen to them were a waste of TIME. Tell me with a straight face that you still don't believe it is a good idea to be an active and UNconventional investor when you have the right tools and the right strategies. 😂 And it's not just me. You can do it too!!! The proof is right above. ☝️ When I keep telling you that you can log DECADES of returns in this 5x in a lifeTIME, 2-year TIMEframe, this is what I mean. When I keep telling you that you just need one WIN to generate massive profits, this is what I mean. Maybe Bucky spent $10,000 on options. Maybe the other $9,000 expired worthless. But IT DOESN'T MATTER, because this one winning contract returned more than $100,000 in less than 12 months. Do you still believe that the conventional ways are the best ways? OK, Beskar, but why did you say it was Christmas? Well, we have so many CALL LEAPS contracts expiring in January 2027 that this 4th quarter will be a period when we slowly start selling them for AMAZING PROFITS. And since we have so many of them, we think this selling period could be like an Advent calendar. You know those little calendars where you get to eat a chocolate for each day of December until Christmas? That's what we plan to do, but instead of chocolates, we will likely trim these LEAP option contracts and collect a few thousand dollars every day until Christmas. What can I say, I have a sweet tooth. 🍫🍭 😂 One final point I want to touch on. Please don't think you can just go buy any CALL LEAPS and generate these kinds of returns. Every option contract I buy is the result of a specific set of conditions and considerations. And know that PUT LEAPS can be even juicier! Keep in mind that I cap options at a fixed percentage of my portfolio, and that options are a specific tool in the KTS approach that is not recommended at all TIMES. In fact, I don't use options most of the TIME. But the specific period of TIME when I do use them is not over yet, and I am still posting options trades on our member website, though not necessarily in the areas of the market you would expect if you relied solely on what I have published on Blossom over the last 2 years. If you are interested in taking advantage of these special TIMES and getting the chance to apply UNconventional tools and strategies for amazing outperformance, I share all of my trades and strategies on our website. I always give you my best. 🏆 This is the Way! 🏄🌊 read more
Nearing extreme fear while the $VIX is at 17. It’s been more than a year since we’ve seen extreme greed. Hovered over greed for some time but it’s been a routine of being under neutral for some time now. Massive day tomorrow, buckle up.
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