(Top 1000 ETFs by AUM) Top U.S.-listed ETFs attracted +$163 billion in net inflows in October, with +$107 billion flowing into equity ETFs. Last week, equity and fixed income ETFs recorded +$20.3 billion and +$9.4 billion in net inflows, respectively. Unlike in Canada, gold bullion ETFs saw another -$509 million in net outflows, largely driven by continued redemptions from GLD.
So ive been looking at cheap hobbies. For starters ive been going to the gym! best cheap hobby. Planet Fitness is 30$ for both my wife and I. You can bring a guess..... me, im the guess. so basically cut 30 in half. 15 a person, cheeeeeap. I also picked up some fish. My friends didnt want them any more so I inherited a tank. got some Tetra, a few Guppies and a Barb also a Clown Plecko but I think my boy is dead (he isnt he just never moves)...... Not as cheap as I thought. I got a few filters. A 3 step water chemical program and a little flake food. All together $100 for at least a few months. Having a few cheap hobbies is more fun for me then having 1 big one. One of these days I wanna have a big tank mabye breed some fish but untill then gotta prove to myself I wont kill everything I touch.....
Here are 🚩3 big flags🚩that signal a company might not be a good investment, and I'll walk you through how to check for each one. (Free Stock Checklist at the end) --- 1️⃣ Declining Revenue or Earnings📉 🛑 Why it’s a red flag:A company with falling revenue or earnings may be losing market share, dealing rising costs, or the overall industry is shrinking. ✅ How to Check for This: A) Look at the Income Statement📊 - Find the company’s total revenue and net income in its latest financial report. Top-line & bottom-line, respectively. - Compare revenue and net income across multiple quarters/years. 3 years or 12 quarters is more than enough to indicate a trend - If both are consistently declining, it’s a warning sign. B) Check Earnings Reports🗂️ - Look at the company’s quarterly earnings reports to see if they’ve missed expectations multiple times. C) Compare to Competitors🔍 - Is the entire industry struggling, or just this company? 📚Website for financial reports: https://www.marketwatch.com/ --- 2️⃣ High Debt Levels 🛑 Why it’s a red flag:Companies with a capital structure heavily debt-reliant are more vulnerable in economic downturns and might struggle to repay obligations. ✅ How to Check for This: A) Find the Debt-to-Equity Ratio (D/E)📊 - Go to the company’s Balance Sheetin its latest report. - Find Total Debt and Total Equityand calculate: Debt-to-Equity Ratio = Total Debt ÷ Total Equity** - A D/E ratio above 2.0 (varies by industry) is usually risky. B) Check Interest Coverage Ratio🔍 - Look at the Income Statement for EBIT (Earnings Before Interest & Taxes). - Find Interest Expense and calculate:Interest Coverage Ratio = EBIT ÷ Interest Expense - If this ratio is below 1.5, the company may struggle to pay interest. 📚 Resources: https://www.investopedia.com/terms/d/debtratio.asp#:~:text=Key%20Takeaways&text=A%20company's%20debt%20ratio%20can,has%20more%20assets%20than%20debt --- 3️⃣ Poor Cash Flow 🛑 Why it’s a red flag:A company can be profitable on paper but still run out of cash to fund operations. ✅ How to Check for This: A) Find the Cash Flow Statement📜 - Look at Operating Cash FlowOCF). - If OCF is negative for multiple quarters, the company may be in trouble. B) Check Free Cash Flow (FCF)💰 - Free Cash Flow = Operating Cash Flow - Capital Expenditures - A company with negative FCF can’t reinvest in growth without taking on debt. 📚 Read more about Cash flow: https://www.investopedia.com/articles/stocks/07/easycashflow.asp ___________________________________________ Thanks for reading, I am open to engage in friendly conversations so I encourage you to leave a comment!💬 Access my free stock checklist at the link below⬇️ https://investingwithcole.gumroad.com/l/stockchecklist read more
Well that totals to over $50,000 in buys for October At this rate I’ll do $500,000 for the next 12 month in buys God I love being American. 🇺🇸 $VOO$AMD$QQQM$XLK
Outside of doing the podcast with Moe, I've just been chilling. The house I bought for $680k in March 2024 is a townhouse. The unit on the other side just sold for $890k. As it turns out, I was NOT late to the party. I'm looking forward to renewing my mortgage in March, hopefully bringing that monthly payment down. ;) I've been nerding out with GPT and Claude on a variety of interests. They can do a lot more than just produce slop these days. As for upcoming big expenses, I'm planning another cruise. Not sure where yet, but different members of my family have expressed interest in something centered around South America or South Africa. If you have suggestions, let's hear them!
My rationale is simple: global diversification, low fees, and automatic rebalancing in one ETF. It keeps investing manageable while I focus on work and family. It’s an all-equity investment, so I expect volatility along the way. My goal is long-term growth through consistent contributions and patience. One purchase at a time toward financial freedom.
WILL YOU BE BUYING THE ANTHROPIC IPO..? $500B in commitments, seeking around $1.5T valuation, $16.1B H1 revenue, $80.1B H1 net loss, gross margin went from 12% to 85% in just one year. Nearly $240B in commitments with just $SPCX and $GOOGL haha.. $ANT
📉 ETF SPOTLIGHT: VFV — When Wall Street Gets Shaky! 🇨🇦 📅 October 30, 2026 Today was a rough session for US markets: * S&P 500: −1.82% * Nasdaq: −2.86% * Dow Jones: −1.09% Technology stocks took a particularly hard hit as investors questioned whether massive AI investments will deliver the returns companies are promising. But what does this mean for Canadian ETF investors? 🇨🇦 Meet VFV Vanguard S&P 500 Index ETF (TSX: VFV) gives Canadian investors exposure to 500 large US companies through one ETF. Some of its major holdings include NVIDIA, Apple, Alphabet and Microsoft. ⚖️ The opportunity vs. the risk ✅ Pros * Exposure to leading US companies. * Diversification across multiple industries. * Low management fee. * Simple way to participate in long-term US market growth. ❌ Cons * Heavy exposure to large technology companies. * A sharp US market sell-off can affect the entire ETF. * Currency movements can influence returns for Canadian investors. * Diversification does not protect against broad market declines. 💡 Today’s ETF lesson Diversification is not just about owning 500 companies. It’s also about understanding what those companies have in common. An ETF can hold hundreds of stocks and still be heavily influenced by a handful of mega-cap companies. My takeaway: Today’s market reminds me that even popular index ETFs are not immune to volatility. Understanding what you own matters just as much as owning it. #VFV #ETFInvesting #CanadianInvestors #StockMarket #S&P500 #InvestingJourney #FinancialLiteracy #Blossomread more
A rough end to the week. The Nasdaq ($NDX) fell about 2.9% and the S&P 500 ($SPX) dropped about 1.8%, while the Dow ($DJI) slipped about 1.1%. Canada's TSX ($TSX) fell about 1.9%. The driver was AI spending worries. $INTC plunged about 29% on a weak outlook, its worst day since 1974, and $AMZN slipped about 1.9% after heavy infrastructure spending. $NBIS fell about 10% to near $154 in the same pullback. Next week, watch $AAPL earnings on Monday after the close for an early test of whether big tech can calm the selloff. Not financial advice.
If you didn't get a chance to read the first post.. I basically created a script that analyzed all NASDAQ 100 companies to identify which are currently in a Golden cross and which are facing a death cross and listed the top companies that have seen pull back since they made the cross to afterlife and those that are fresh in crossing and could still snap back to life. Here it is for your reference: https://link.blossomsocial.com/7uYa/wydjpekb And after that doom and gloom post now we will cover the top GOLDEN CROSS achievers. Without further ado the top 4 companies with the deepest Gold status: 1. $MRNA - Golden cross since Jan. ‘26 Yesterday: $222.76 50DMA: $180.72 200DMA: $85.67 Price vs. 200DMA: +160% 2. $CRWD - Golden cross since May ‘26 Yesterday: $261.15 50DMA: $239.05 200DMA: $166.57 Price vs. 200DMA: +56.8% 3. $PANW - Golden cross since May ‘26 Yesterday: $380.57 50DMA: $371.82 200DMA: $268.94 Price vs. 200DMA: +41.5% 4. $AMD - Golden cross since 2025 Yesterday: $566.42 50DMA: $547.58 200DMA: $409.08 Price vs. 200DMA: +38.5% Now PAUSE and read this next part with care please… Did you notice how close $PANW and $AMD were to their 50DMA yesterday? That’s a sign that stocks are pulling back to test the bottom support and what do you know today both actually broke below it. That is very important to understand that when a stock forms a strong Golden cross the 50DMA becomes the bottom support with no real upper resistance except previous highs. Let's take $AMD (an absolute ROCK SOLID company) as an example: Today it actually broke the 50 day support and closed at $504 which is -8% below that support level.. and as soon as that happens the stock finds a new lower major support level and upper resistance ceiling which has now become the 50DMA. So now the situation is no longer as exciting as it was because the pull back has been severe enough in the short-term to BREAK the upward trend… and now levels are stacked like this: 50DMA (New Resistance): $548 Today’s price: $504.8 A few lower support levels can be tested 200DMA (New Major Support): $409 Now for the stocks that made a recent cross into Golden territory and now seeing sky as the limit up if momentum holds, these are still healthy trend up despite the major market pullback and ONLY two companies made that cut: 1. $MAR - crossed into gold Oct. 19th Yesterday: $399.65 50DMA: $359.35 200DMA: $355.63 Price vs. 200DMA: +12.4% 2. $TRI - crossed into gold Sep. 18th Yesterday: $116.35 50DMA: $104.57 200DMA: $96.53 Price vs. 200DMA: +20.5% How do I generally use this information, well one way is using it to filter potential candidates for short-term PUT and CALL options... Another is using it as a consideration for entry timing after a stock has stayed in the gold for over 30 days or support an exit decision if it stays dead for 30 days. This is one of many technical analysis inputs I would use to make decisions on short-term swing trades running for a few months to maybe a year... if you are a hold-and-forget investor then you don't really need to worry much about all this... cause you’re not bothered by the short-term volatility and are planning to hold for years despite how a stock fluctuates up and down. This is educational and not financial advice, please DYORread 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. That’s 11 deaths total. Only 1 person out of 11 had a will. When you are grieving the last thing you want to do is close an estate up. It’s even harder if nothing has been prepared in advance. After the initial shock of the death settles (the phase where everyone is usually nice), greed comes through in a most alarming manner. I’ve watched people turn into monsters. Make sure you have a will!!!! or people will fight. I know most people hate thinking about their death or their spouses death but honestly it’s just a fact of life. I’ve personally been the executor of 2 estates now. This is my advice: 1. If your young get life insurance. If you’re retired it’s not worth it. 2. Make sure you have a will. 3. Make sure you have a personal directive. 4. Make sure you have a power of attorney set up. 5. If your married make your spouse the beneficiary of your TFSA and RRSP(has to be done through the account not the will), they will roll into the spouses account without taxation. 6. If you’re married, and you own a house, make sure both names are on the title, joint tenant, NOT tenant in common. This activates right of survivorship on property and doesn’t have to go through the estate. 7. If you’re married, both people should have their name on all the vehicles, joint, otherwise it’s a headache after death. 8. Buy a file folding system. I have a plastic one that has a clasp and handle. 9. Put EVERYTHING in this file folder that would be needed if you died tomorrow. a) all land titles B) information on house insurance so it can either be eventually canceled or name changed over. C) your will (or the location of your will), power of attorney, and personal directive D) the information for your car, car insurance, and registration on vehicles. E) information on life insurance. F) all current year papers needed for filing your taxes. Because the survivor will have to do it and will need that information. G) where your household bills are. ALL OF THEM, electricity, gas, Netflix, magazine, subscriptions everything you can think of that is in their name. Because you are going to have to cancel them. H) their credit card information where to contact to cancel the cards I) birth certificate, SIN numbers, marriage, license, etc. J) information on all your investments accounts, bank accounts, etc. K) anything else you can think of for your situation If you’re married, I’d have one box per person. When you die, the funeral home will issue many death certificates. And your lawyer will give you copies of the will. These will be needed to change over any accounts. Everything else goes through the estate which is taxed and the lawyers take their fees so I’d avoid this as much as possible especially if you’re married. This is why having property in both people‘s names is so important because it doesn’t have to go through probate. I am widowed now and I have my black file folder and my two remaining children know if something happens to me, all they have to do is grab the folder. Everything they need to take care of my estate will be located in this folder. At the beginning of every year, I open this file up and go through everything to make sure it’s up-to-date. If you are young and do not own much or can’t afford a will, you can draft one up but it must be handwritten to be classified as a legal document. You cannot type it out!! If you’re not worth much, everything will most likely be sold to pay your bills and cover your funeral expenses. But you can state who your executor will be in your handwritten will. Disclaimer I’m not a lawyer or an accountant and this is not legal advice. Talk to a lawyer and talk to an accountant. Make sure everything is set up for you and your situation. These are situations that I personally ran into. Good luck Also I’ll add in. IF you have a lot of assets make an appointment with your accountant first. They will tell you how to properly set things up. Then take that information to your lawyer. read more
If you could only have one high income ETF in your portfolio what would it be? For me I reveal exactly what that ETF is and give some context to the reasons why I’d only go with that. This ETF has been my longest serving holding. https://youtu.be/QFvlEWdMMAI?si=YAVwrdXBxoC1QUqe
Historically, a Republican President with a Democratic-controlled Congress has produced some of the LOWEST stock market returns of any political combination, averaging just 5%.
I started a position in $MTDR in Nov 2025. ⬆️I’m up about 45% total return, with dividends contributing around 2% of that return, of it has come from share price appreciation. 🏦Although I’m after growth (this is in a taxable account, the div is a tax drag ) i appreciate that management just raised the dividend by 17%, from $0.375 to $0.4375 USD(quarterly). 👌It’ s also their eighth dividend increase within the last five years, which may be the start of a nice dividend growth policy. $SRU-UN, $BDT and a few others I hold have not been keeping up with inflation, and that kind of sucks. Anyway, a company that can generate solid, ever-increasing cash flows in bullish macro environments is awesome, but this is a company I watch closely. I’d love to hold it for a decade or two, but it’s still an oil and gas producer- and that means the macro environment can matter as much as the company’s performance, even if it’s stellar. Avg cost currently $42.61USD. Happy Halloween 🎃 read more
For those who’ve been following my content for a while (A big thank you BTW)… I’d love to know what your favorite series was, maybe like top 2-3 favorites. You’d be helping me rationalize time spent one things that would give more value. 1) Unpacking the Buffet Letters 2) Why I Hold It 3) Hedge Fund Hunt 4) Hidden Gems of the Counter Cycle 5) Reading the Official Filings 6) Options Trading Unpacked 7) ETF deep dives 8) Blossom’s Most Bought (my humble beginnings 😅) Appreciate every one of you who would be kind enough to comment with their top 3 to help give me feedback. Thanks 🙏 read more
I started investing pretty old (43) 45 now I made the mistake of paying all my student loans off including law school before I invested.. I remember my first correction I was freaking out...and a private message from @ryne put everything into perspective. Today I got to rack up my cores $VOO and $QQQM at a sale i learned how to see weeks like this as an oppurtinity.
Hey guys!!! I had an amazing time chatting with @humbledtrader & @bdinvesting on the retail rundown podcast. If you wanna hear us yap for an hour about the ups and downs of work, health, investing & life tune in! https://youtu.be/tNoNucq9Lsc
Quick flag that if you receive a dm or see a comment from 'Blossom support' it is a SCAM! Please report it and our customer support team will delete it and we're working on a fix to block these proactively which will be live tomorrow Re. @trevorheslopinvests's post "weird dms sharing posts" - this is actually not a scam, but was the result of when you long press the share button it sends a post (a bug on our end). The fix for this is now live when you update Blossom on the app store (thanks everyone for flagging this)! 😎 In addition to these fixes, lots of other cool updates on the way that I can't wait to share with you all! As a sneak peak here's the mock-up for a community leaderboard we're working on to help showcase the top Blossom creators each week - https://blossom-mvps.netlify.app/
📊 Investors dumped tech into month-end. The Nasdaq tumbled 2.86% to 25,437.00 for its worst day since June, the S&P 500 slid 1.82%, the Dow lost 1.09% and Canada’s S&P/TSX Composite fell 1.74%, also its worst since June. 💻 Intel ($INTC ) tanked almost 29% on a weak current quarter outlook pointing to a PC slowdown. Revenue in its client computing and physical AI group fell 5% year over year to $8.1 billion. 👽 Reddit ($RDDT) cratered about 30% for its worst day since going public, even after beating with $1.40 per share on $895 million in revenue. CEO Steve Huffman said search referral traffic dropped by more than a million visits a week in October as Google expands AI Overviews, and fourth quarter guidance of $1.00 to $1.03 billion came in light. 💾 Sandisk ($SNDK) dropped 13% even after beating on fiscal first quarter results. The data storage company also announced an eight-for-one forward stock split. 💉 Regeneron ($REGN) jumped 11% on a big beat, earning $20.07 per share on $5.12 billion in revenue against the $16.42 and $4.56 billion FactSet consensus. It also lifted full year gross margin guidance to about 86%. ☢️ Cameco ($CCO) was the TSX’s biggest loser, sliding 9.6% to $105.40 after missing third quarter revenue estimates. Gold stocks fell 5.3% as a group and materials dropped 4.8%, with Canadian GDP flat in August and advance data pointing to a 0.1% decline in September. 🥇 Gold futures hit $3,946, their lowest since November 2025, and silver fell to $49.66, a low going back to that same month. Energy went the other way, with Chevron ($CVX) and ExxonMobil both closing at records on soaring third quarter profits. 👨🏻💻 Researched and written daily by @timeminoread more
📊 Earnings misses snapped a three-day run. The Nasdaq dropped 1.38% to 26,184.72, the S&P 500 slipped 0.3%, the Dow lost 0.25% and Canada’s S&P/TSX Composite finished flat at 0.04% lower. 🔍 Alphabet ($GOOGL) lost 12% after missing on adjusted earnings and revenue, posting negative free cash flow of $9.07 billion. The Google parent held its full year capex forecast at $195 billion to $205 billion. 🚜 Caterpillar ($CAT) slid more than 9% for its worst day since March 2020. The industrial beat on both lines, but construction industries sales came in slightly under estimates. 💊 Eli Lilly ($LLY) rose 6.63% to $1,373.70 on $24.4 billion in revenue driven by Zepbound and Mounjaro. The drugmaker lifted 2026 revenue guidance to $91 billion to $92 billion from $85 billion to $87 billion, pushing the S&P healthcare sector to a record. ⛏️ Alamos Gold ($AGI) tumbled around 9% to lead TSX decliners as costs swamped a record gold price. Adjusted earnings of $0.44 per share missed by a penny and revenue of $510.4 million came in under the $529 million expected, with all-in sustaining costs at $1,956 an ounce. 📦 Amazon ($AMZN) plunged more than 7% after hours on a miss, with earnings of $1.89 per share against $1.96 expected and revenue of $201.94 billion versus $202.31 billion. Free cash flow was negative $42.4 billion over the trailing year, up 386%, on AI spending. 👨🏻💻 Researched and written daily by @timeminoread more
Alphabet and Amazon both missed and both kept spending billions on AI. Is the buildout running ahead of the returns?
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
The Smith Manoeuvre sounds straightforward in theory, but what does it actually look like when you're doing it with your own money? This weekend I had a chance to have a follow-up conversation with Kyle (@kgcottawa) who similar to me has been implementing the Smith Manoeuvre. We each share an update on our Smith Manoeuvre portfolios and get into the practical details of how we're managing the strategy. We show our real numbers, talk about how much we've borrowed and invested, and discuss what's changed since our last conversation. Kyle's portfolio is approaching $192K, while my portfolio is around $243K, with roughly $143K in borrowing behind my Smith Manoeuvre investments. We also get into the mechanics that don't always get enough attention. How do we move money between our HELOCs and investment accounts? How do we handle the monthly interest, and when do we capitalize it? Kyle walks through his cash flow and mortgage prepayment routine, while I explain how I handle the interest slightly differently. We also discuss HELOC credit utilization, keeping the flow of funds clean, and why having enough financial breathing room matters when borrowing to invest. One of the more interesting parts of the conversation is Kyle's decision about whether to withdraw around $36,000 from his TFSA to make a larger mortgage prepayment. We discuss the emotional appeal of owing less on the house versus the potential long-term tax-free growth of leaving that money invested. We also compare our thinking around fixed versus variable mortgage rates, talk about the risks of leveraged investing, and share what we'd want someone to understand before getting started. If you're researching the Smith Manoeuvre, we also share some practical lessons and resources worth checking out, including Robinson Smith's book, Master Your Mortgage for Financial Freedom. This is an ongoing conversation about what we're learning as we implement the strategy, and we'll continue sharing updates as our portfolios and thinking evolve. 💬 We'd love to hear from you: Would you rather keep money invested in your TFSA or use it to pay down your mortgage faster? Let us know in the comments! ⚠️ Disclaimer: This video is for educational and entertainment purposes only and reflects our personal experiences and opinions. It is not financial, investment, mortgage, or tax advice. The Smith Manoeuvre involves leveraged investing and can magnify losses. Consider your own financial situation and consult qualified professionals before implementing a strategy like this. https://youtu.be/fHS8UllupIQread more
Do you have a strategy to brave the volatility in a changing market? If you have been following me for some TIME, you know that we expected 2025–2026 to be the years of highest volatility. I don’t think you need me to provide any evidence of what is now a reality. These are difficult TIMES to navigate financial markets, which can be brutal and merciless. But the key is to adapt and survive as we use the real estate/banking crisis cycle as our survival roadmap. Just today,based on KTS #114 we had to lock-in profits and exit another position in a long TIME favorite holding.. This is a period when cycle ignorance and unconditional optimism can be your undoing. This is now a period when we must accept what the market is telling us and position ourselves for what comes next. No regrets! Onward we march! Are you ready for what’s next? If interested, we will again be reopening our membership……soon. 😉 I always give you my best! 🏆 This is the Way! 🏄🌊read more
This November, we’re putting our money (and moustaches) where our mouths are. Team Blossom is officially joining the Movember movement, and inviting the entire community along for the ride! Our goal? Raise $10,000 for men’s health, supporting mental health and suicide prevention, prostate cancer, and testicular cancer. But we’re not stopping at donations! To make things a little more spicy, we’ve set up some fun fundraising challenges. From @maxstocks learning a KATSEYE dance, to mystery punishments, questionable moustaches, and a whole lot of chaos, every milestone unlocks something new. The best part? EVERYONE can participate (women too!). 🥸 GROW A MO: Put down the razor and grow that glorious moustache. 🏃♀️ MOVE FOR A MO: Can’t grow a moustache? No problem! Walk, run, or get moving for men’s health. Track your activity through Movember and sync your progress to your Mo Space. DONATE FOR A MO: Donate to a good cause and help us reach our $10,000 goal and unlock the next challenge! 📸 Post your progress photos throughout November and tag @meetblossomsocial on Instagram so we can share it along on our socials, bonus points if you're wearing Blossom merch! JOIN THE BLOSSOM MOVEMBER TEAM OR DONATE: https://movember.com/t/blossom-social-team?mc=1 Because investing in your future means investing in your health, too. Let’s grow something good. Together!read more
In episode 26 of Financial KarMoe, @karyungtom and I (Moe) tackle some of the recent questions from Blossom investment community, including whether a leveraged ETF like HEQL makes more sense than investing in XEQT and borrowing separately through a HELOC or portfolio line of credit. Is getting 25% more market exposure through HEQL worth the higher fees and borrowing costs? Kar shares his research into expected returns, volatility, fees and the trade-offs of using leverage in a registered account. I share a different perspective by comparing HEQL against my own experience with the Smith Manoeuvre and leveraged investing in XEQT, including the potential tax benefits of deductible investment interest. We also discuss why HEQL isn't "guaranteed" to outperform a standard all-in-one ETF, how future market returns affect the outcome, and why the right strategy depends on your risk tolerance and financial situation. We get into some important questions about investing on margin, managing margin calls, how much leverage is too much, and whether it's possible for a couple with modest incomes to build $1 million in their TFSAs through consistent investing. Beyond investing, we discuss whether adult children should contribute to household expenses, whether parents should open an in-trust account after maximizing their child's RESP contributions, splitting group gifts with friends, brokerage transfer promotions, and our thoughts on covered call ETFs. As always, we're sharing our own experiences and perspectives, not telling anyone what they should buy. There are plenty of ways to invest successfully, and the goal is to understand the costs, risks and trade-offs before deciding what works for you. 👇 We'd love to hear from you: Would you rather invest in XEQT and use leverage separately, or choose a leveraged ETF like HEQL? Let us know why in the comments! https://youtu.be/Z3jcQHhTRoAread more
Hamilton's $HYLD is a beast of a fund, just like $HDIV . After getting the communities questions to help form the structure of HDIV's deep dive, I thought ... I HAVE to do it with $HYLD too. Since HYLD is a fund of funds and rather complex... here is what I am going to share (that way you don't ask what will be answered): - Performance attribution of sorts - Benchmarking w/ and w/o levereage - volatility and drawdowns - Fund history of changes - Distributions - ETF structure and total underlying holdings - Concentrations - Fund risks - Total costs and long term affect on performance What would you like to know about this fund? Is there something that's not obvious about the fund that you feel needs discussed? As always, EVERYONE is more than welcome to pipe in with their personal questions. The more diverse group of investors with questions, the better and broader the deep dive will be😁 I'll be filming tomorrow after work, so if I miss your questions after then, my apologies. As always, HAPPY investing everyone and let the questions FLY!!!!read more
2026 has been an exhausting year for growth investors. Look at the $QQQ drawdowns this year: March: -13.29% June: -8.28% July/August: -11.72% October: -8.13% so far Notice a pattern? Almost every selloff has been driven by the same concerns. Expensive valuations, massive AI CAPEX spending, iran war ,inflation, interest rates and financing costs. Different headlines, same fears. What's frustrating is that many companies continue to report strong earnings and growth, yet their stocks keep getting punished. The fundamentals can improve while valuations compress. That's been the story of 2026. As investors remember this is the long game. Theres always a smart reason to sell, but stocks tend to go higher even with bad news. Buy the dip & HOLDread more
18.97% annualized return since inception. A 10%+ yield. Amazing... It even beat the TSX 60, it’s benchmark!!! 🤯 So why did my analysis find that $HDIV UNDERPERFORMED a more comparable benchmark by 1.9% PER YEAR? That’s because HDIV isn’t really comparable to an unleveraged TSX 60 total return index. It has 1.25X leverage, significant concentration, much more tech exposure, US exposure, and a completely different portfolio construction.... And once I accounted for that, the “KING” narrative got a lot more complicated and well... you’ll see. I went under the hood on EVERYTHING is could in less than 20 minutes, from the 1.75% current cost, covered calls, leverage, distributions, ROC, total number of underlying stocks (and even the effective number of stocks), risk, drawdowns, and all the changes HDIV has made since launch (you will be SHOCKED by that one)! I also tried to answer as many of your HDIV questions as possible…. If I missed YOUR question, put it in the comments of the YouTube video pretty please. I’ll answer it there so everyone can benefit from the answer. Here it is!!! https://youtu.be/AWVSiutDV_M read more
Just arrived home from a quick trip to London - it was my first time visiting. What a cool city. Full of friendly people. And so much character! Found it super interesting to learn that there’s still very much a ‘saving’ mentality in the UK. But that seems to be changing. Shoutout to Max for delivering an incredible speech (as usual) about Blossom. He presented our platform and mission in a great way and it was very well received by the Brits!
What’s the most important thing you look for when researching a stock and finding a winner? What are the things that a stock must have in order for you to own it? Let me know below, i’m super curious!
