Blossom — Social Investing Community: Real Portfolios, Trades & Market Insights
Beskar Capital Poll
A simple one:
Do you own at least ONE stock or ETF in the commodity space? (oil,gas,coal,uranium,gold,silver,wheat,rare earths, etc.)
This is the Way! 🏄♀️🌊🏄♂️🌊🏄🌊
Do you own at least ONE stock or ETF in the commodity space? (oil,gas,coal,uranium,gold,silver,wheat,rare earths, etc.)
This is the Way! 🏄♀️🌊🏄♂️🌊🏄🌊
3,842 views
Long-term investing goals
📊 Long-Term Investing: The Power of Thorough Analysis
When it comes to long-term investing, understanding the fundamentals of a stock is crucial. It’s not just about jumping on trends; it’s about making informed decisions based on solid data. This chart breaks down the essential financial statements—Balance Sheet, Income Statement, and Cash Flow Statement—that every investor should analyze before committing to a stock.
🔍 Balance Sheet: This tells you about the company’s financial health, specifically its assets, liabilities, and equity. A healthy balance sheet is a sign of stability and resilience.
💸 Income Statement: This shows the company’s profitability by detailing revenue, expenses, and profits. A strong income statement indicates a company that’s generating profits, a key factor for long-term growth.
💰 Cash Flow Statement: This reveals how the company manages its cash, from operations to investments and financing. Positive cash flow is essential for sustaining operations and fueling future growth.
By mastering these fundamentals, you can make smarter investment choices that stand the test of time. Remember, successful long-term investing isn’t about timing the market; it’s about time in the market, supported by thorough analysis.
$VGT $TXN $QQQ $AAPL$META
#InvestSmart #LongTermInvesting #FinancialLiteracy #StockMarketAnalysisread more
When it comes to long-term investing, understanding the fundamentals of a stock is crucial. It’s not just about jumping on trends; it’s about making informed decisions based on solid data. This chart breaks down the essential financial statements—Balance Sheet, Income Statement, and Cash Flow Statement—that every investor should analyze before committing to a stock.
🔍 Balance Sheet: This tells you about the company’s financial health, specifically its assets, liabilities, and equity. A healthy balance sheet is a sign of stability and resilience.
💸 Income Statement: This shows the company’s profitability by detailing revenue, expenses, and profits. A strong income statement indicates a company that’s generating profits, a key factor for long-term growth.
💰 Cash Flow Statement: This reveals how the company manages its cash, from operations to investments and financing. Positive cash flow is essential for sustaining operations and fueling future growth.
By mastering these fundamentals, you can make smarter investment choices that stand the test of time. Remember, successful long-term investing isn’t about timing the market; it’s about time in the market, supported by thorough analysis.
$VGT $TXN $QQQ $AAPL$META
#InvestSmart #LongTermInvesting #FinancialLiteracy #StockMarketAnalysisread more
560K views
🇨🇦 ETF Weekly Flows Recap
ETFs net inflows were lower than the prior week, yet remained in the leadership position.
• Within the broad market beta exposures, U.S.-focused ETFs climbed to +$717 million of net creations, while EAFE(+$399 million) overtook Canadian exposures (+$329 million).
• Technology (+$180 million) and utilities ETFs (+$104 million) were the sector leaders, while gold miners held onto prior inflow gains.
Fixed income net inflows doubled to +$1,870 million from last week.
• The majority of flows are concentrated within the short-dated part of the yield curve, wheremoney market, HISA and short-term bond ETFs collectively saw a combined total of+$1 billion in net inflows.
• The diversified baskets of aggregate bond ETFs (+$760 million) also remained popular.
Within asset allocation ETFs, all-equity portfolios remained the clear leader, attracting+$553 million of net inflows, while balanced(+$154 million) and growth portfolios (+$117 million) also recorded solid gains.read more
• Within the broad market beta exposures, U.S.-focused ETFs climbed to +$717 million of net creations, while EAFE(+$399 million) overtook Canadian exposures (+$329 million).
• Technology (+$180 million) and utilities ETFs (+$104 million) were the sector leaders, while gold miners held onto prior inflow gains.
Fixed income net inflows doubled to +$1,870 million from last week.
• The majority of flows are concentrated within the short-dated part of the yield curve, wheremoney market, HISA and short-term bond ETFs collectively saw a combined total of+$1 billion in net inflows.
• The diversified baskets of aggregate bond ETFs (+$760 million) also remained popular.
Within asset allocation ETFs, all-equity portfolios remained the clear leader, attracting+$553 million of net inflows, while balanced(+$154 million) and growth portfolios (+$117 million) also recorded solid gains.read more
42 views
I’m a Millionaire. It’s Not What I Expected
I’m a Millionaire. It Doesn’t Feel Like I Thought It Would.
Here’s something that feels strange to say.
By the traditional definition of net worth what we own minus what we owe our household would technically be considered millionaires.
I’m not saying that as a flex. In fact, that’s kind of the point.
When I was younger, a millionaire meant big houses, fancy cars and expensive vacations.
Basically, Lifestyles of the Rich and Famous.
If you just heard Robin Leach’s voice, congratulations …..you’re probably my target audience.
But being a millionaire at 53 looks surprisingly… normal.
We have investments and equity in our home. We also have a mortgage, and I still get up and go to work.
What got me thinking about this was my friend @williamwang23 Will’s recent post about becoming a millionaire in his early 30s.
That’s an incredible accomplishment.
But what really stands out to me is that Will became curious about money early. He learned, saved, invested and, most importantly, gave his money time.
I didn’t start DIY investing until I was 50.
We saved and built home equity, but I didn’t become curious enough about investing and money until much later.
And I have to give @moementumfinance Moe credit for the word curious.
He talked about it during our panel at BlossomCon, and it really stuck with me.
Over the last three years, I’ve asked more questions, learned more and become much more financially literate.
I’ve also made mistakes.
I’ve posted things that weren’t quite right, and people here have corrected me. I’m good with that.
Being financially literate doesn’t mean knowing everything. It means being curious enough to ask questions and open enough to learn from the answers.
I wish I’d figured that out at 30 instead of 50.
Because Will and I might technically carry the same “millionaire” label today, but he’s given his money decades more time to compound.
That’s why the number itself is so relative.
Our goal is still to build a $1 million+ investment portfolio by retirement. On paper, our net worth could eventually be well into the millions.
But we’re not planning a Lifestyles of the Rich and Famous retirement.
We want to travel, enjoy our time, help our kids when we can and have enough that money gives us choices.
And maybe that’s the funny part.
Technically, I’m already a millionaire.
But we’re still working toward becoming what younger me thought a millionaire was.
Not the mansion or the yacht.
The freedom. The security. The choices.
Maybe that’s what being wealthy really means.
What does being a millionaire mean to you? read more
Here’s something that feels strange to say.
By the traditional definition of net worth what we own minus what we owe our household would technically be considered millionaires.
I’m not saying that as a flex. In fact, that’s kind of the point.
When I was younger, a millionaire meant big houses, fancy cars and expensive vacations.
Basically, Lifestyles of the Rich and Famous.
If you just heard Robin Leach’s voice, congratulations …..you’re probably my target audience.
But being a millionaire at 53 looks surprisingly… normal.
We have investments and equity in our home. We also have a mortgage, and I still get up and go to work.
What got me thinking about this was my friend @williamwang23 Will’s recent post about becoming a millionaire in his early 30s.
That’s an incredible accomplishment.
But what really stands out to me is that Will became curious about money early. He learned, saved, invested and, most importantly, gave his money time.
I didn’t start DIY investing until I was 50.
We saved and built home equity, but I didn’t become curious enough about investing and money until much later.
And I have to give @moementumfinance Moe credit for the word curious.
He talked about it during our panel at BlossomCon, and it really stuck with me.
Over the last three years, I’ve asked more questions, learned more and become much more financially literate.
I’ve also made mistakes.
I’ve posted things that weren’t quite right, and people here have corrected me. I’m good with that.
Being financially literate doesn’t mean knowing everything. It means being curious enough to ask questions and open enough to learn from the answers.
I wish I’d figured that out at 30 instead of 50.
Because Will and I might technically carry the same “millionaire” label today, but he’s given his money decades more time to compound.
That’s why the number itself is so relative.
Our goal is still to build a $1 million+ investment portfolio by retirement. On paper, our net worth could eventually be well into the millions.
But we’re not planning a Lifestyles of the Rich and Famous retirement.
We want to travel, enjoy our time, help our kids when we can and have enough that money gives us choices.
And maybe that’s the funny part.
Technically, I’m already a millionaire.
But we’re still working toward becoming what younger me thought a millionaire was.
Not the mansion or the yacht.
The freedom. The security. The choices.
Maybe that’s what being wealthy really means.
What does being a millionaire mean to you? read more
5,438 views
Price Action Trading Explained
Trade what's happening, not what you think is gonna happen." - Doug Gregory.
Price action trading is the process of reacting to the current price to make entry, exit, and holding decisions. It is replacing opinions and predictions with valid signals. A signal is a quantified reason to enter a trade, stay in a trade, and exit a trade. A signal should either be based on backtests of historical price data showing a past edge or on price-action trading, which can be used to create good risk/reward ratios by setting stop losses and profit targets at entry. Both approaches can be valid: backtested strategies tend to be more mechanical, while using risk/reward ratios tends to be more discretionary.
1. An entry signal can be based on price alone or a technical indicator. An entry signal should give you a better chance of making a profit than randomness. Where you get in should have an edge; whether you are buying a breakout or a dip, there should be a good reason for the entry.
2. A stop-loss should be placed at a price level that signals the trade is not going to work out. A stop-loss is a way to keep your losses small, so you have a better chance of being profitable. A stop-loss helps you assess the risk in your risk/reward ratio. The biggest cause of unprofitable trading is large losses; stop losses prevent them.
A trailing stop can be used to tell you when it may be time to take profits because a winning trade may be reversing against you. It is also useful to maximize gains. When a trade moves in your direction, you turn your initial stop-loss into a trailing stop by raising the price level you will exit at to a higher price, both to avoid giving back too many open profits and to have an exit strategy for when the trend bends.
3. A profit target can be the technical level at which your trade begins to have a bad risk/reward ratio due to the extension of price into overbought territory or an extension from a normal trading range. A profit target for price helps you determine if the risk is worth the potential reward.
Trading price action requires a quantified system that you create when the market is closed to use when the market is open. Your system has to be one you believe is profitable based on your data. It must align with your risk tolerance and potential return goals.read more
Price action trading is the process of reacting to the current price to make entry, exit, and holding decisions. It is replacing opinions and predictions with valid signals. A signal is a quantified reason to enter a trade, stay in a trade, and exit a trade. A signal should either be based on backtests of historical price data showing a past edge or on price-action trading, which can be used to create good risk/reward ratios by setting stop losses and profit targets at entry. Both approaches can be valid: backtested strategies tend to be more mechanical, while using risk/reward ratios tends to be more discretionary.
1. An entry signal can be based on price alone or a technical indicator. An entry signal should give you a better chance of making a profit than randomness. Where you get in should have an edge; whether you are buying a breakout or a dip, there should be a good reason for the entry.
2. A stop-loss should be placed at a price level that signals the trade is not going to work out. A stop-loss is a way to keep your losses small, so you have a better chance of being profitable. A stop-loss helps you assess the risk in your risk/reward ratio. The biggest cause of unprofitable trading is large losses; stop losses prevent them.
A trailing stop can be used to tell you when it may be time to take profits because a winning trade may be reversing against you. It is also useful to maximize gains. When a trade moves in your direction, you turn your initial stop-loss into a trailing stop by raising the price level you will exit at to a higher price, both to avoid giving back too many open profits and to have an exit strategy for when the trend bends.
3. A profit target can be the technical level at which your trade begins to have a bad risk/reward ratio due to the extension of price into overbought territory or an extension from a normal trading range. A profit target for price helps you determine if the risk is worth the potential reward.
Trading price action requires a quantified system that you create when the market is closed to use when the market is open. Your system has to be one you believe is profitable based on your data. It must align with your risk tolerance and potential return goals.read more
64 views
Friday Check in 💚🤑
One thing I’ve realized from being on here: you don’t need to have the biggest portfolio or know everything about investing to start building wealth.
I’m just sharing my journey, the buys I make, the mistakes, and what I’m learning along the way.
If you’re also trying to grow your portfolio over the next 5, 10, 20+ years, follow along. Would love to build this little investing community together.
Have a great weekend everyone!
$VTI $XEQT $VOO $NVDA
I’m just sharing my journey, the buys I make, the mistakes, and what I’m learning along the way.
If you’re also trying to grow your portfolio over the next 5, 10, 20+ years, follow along. Would love to build this little investing community together.
Have a great weekend everyone!
$VTI $XEQT $VOO $NVDA
1,888 views
Road to 35,000 MSTE shares (update)
Here is the monthly update as promised. I apologize for the delay, I have to make this post after my 12hr shift, I couldn’t find the time earlier. Finally I have some peace now to write this post,after all my kids went to bed.
Today was Harvest's payday. I recieved $2,333.22 in distributions from MSTE based on the recent distribution cut to $0.075/share.
The recent distribution cut didn't feel good tbh but I understand the reasoning behind the cut, it is to protect the NAV of the fund. Harvest can write more OTM calls allowing MSTE to capture more of the upside when the underlying MSTR rips 🚀.
Even with the distribution cut,the yield is still pretty high.
I reinvested all the distributions back into buying more MSTE shares. Now I have 32,035 shares with an ACB of $7.97.
Since all my registered accounts are maxed out, I am only relying on reinvesting the distributions, to lower my ACB. So far I have been able to bring the ACB down from $19 to $7.97, thanks to the BTC bear cycle.
The realistic goal for the end of this year is to get to 35,000 MSTE shares and possibly lower the ACB even further.
So far MSTE has paid me $51,172 in distributions.
Despite the juicy premuims, I am still 6 figure in the red 😂, it's the same old story of my life 🙈.You can see all the proof in the pics attached below.
2 months ago I was down an eye watering -$200,000 and a laughing stock of Blossom. Currently I am down -$174,500 and still a laughing stock 😂🤞 I guess.
That's an improvemt of $25,500, not including the distributions. The numbers look much better if you add in the distributions received to calculate the total returns more accurately. But I am lazy and tired, ain't Nobody got time for that, lmfao😂.
I am sure there are many smart people here on Blossom, who will be able to calculate the total returns far more accurately than I can.
Honestly at this point I don't care, one day I will see GREEN 🟢, its been soo long seeing just RED 🔴.
Recently $BTC ,$MSTR/ $MSTE have been on a 🚀 tear lately and I am loving it. Hopefully the bull run for the next 3 years cycle will bring outsized performance to my portfolio. Hopefully I get to see new ATH.
My conviction in MSTE still stays the same, I am one stubborn Bull 🐂, I dont panic or budge from my conviction / decisions that easy. I have already crashed and burned, now it's time to rise from the ashes and shine bright like a Diamond💎 🙈 lmfao 😂.
Fair warning 🛑🛑, never follow me, just enjoy my roller coaster journey, or you will get burned. I have no finance background to back my investing decisions. Nor will I ever ask you to buy my MSTE 101 course for a small fee / donation of $1000 lol 😂😎.
You can enjoy my endless rants for the upcoming few years for free, till I am officially in the GREEN. Tread these crocodile ($MSTE)infested waters carefully at your own risk.
I wonder how the portfolios of other MSTE whales of Blossom @garygill @adrian_pii @monthlymint @ccetf @anbha @onmargin and many others that I can't even recall are doing.
I am just a small tuna fish compared to them.
Anyways that's it for this update, I am tired now, goodnite 💤💤
See you next month with another update, till we meet again, stay Blessed and keep hustling.read more
Today was Harvest's payday. I recieved $2,333.22 in distributions from MSTE based on the recent distribution cut to $0.075/share.
The recent distribution cut didn't feel good tbh but I understand the reasoning behind the cut, it is to protect the NAV of the fund. Harvest can write more OTM calls allowing MSTE to capture more of the upside when the underlying MSTR rips 🚀.
Even with the distribution cut,the yield is still pretty high.
I reinvested all the distributions back into buying more MSTE shares. Now I have 32,035 shares with an ACB of $7.97.
Since all my registered accounts are maxed out, I am only relying on reinvesting the distributions, to lower my ACB. So far I have been able to bring the ACB down from $19 to $7.97, thanks to the BTC bear cycle.
The realistic goal for the end of this year is to get to 35,000 MSTE shares and possibly lower the ACB even further.
So far MSTE has paid me $51,172 in distributions.
Despite the juicy premuims, I am still 6 figure in the red 😂, it's the same old story of my life 🙈.You can see all the proof in the pics attached below.
2 months ago I was down an eye watering -$200,000 and a laughing stock of Blossom. Currently I am down -$174,500 and still a laughing stock 😂🤞 I guess.
That's an improvemt of $25,500, not including the distributions. The numbers look much better if you add in the distributions received to calculate the total returns more accurately. But I am lazy and tired, ain't Nobody got time for that, lmfao😂.
I am sure there are many smart people here on Blossom, who will be able to calculate the total returns far more accurately than I can.
Honestly at this point I don't care, one day I will see GREEN 🟢, its been soo long seeing just RED 🔴.
Recently $BTC ,$MSTR/ $MSTE have been on a 🚀 tear lately and I am loving it. Hopefully the bull run for the next 3 years cycle will bring outsized performance to my portfolio. Hopefully I get to see new ATH.
My conviction in MSTE still stays the same, I am one stubborn Bull 🐂, I dont panic or budge from my conviction / decisions that easy. I have already crashed and burned, now it's time to rise from the ashes and shine bright like a Diamond💎 🙈 lmfao 😂.
Fair warning 🛑🛑, never follow me, just enjoy my roller coaster journey, or you will get burned. I have no finance background to back my investing decisions. Nor will I ever ask you to buy my MSTE 101 course for a small fee / donation of $1000 lol 😂😎.
You can enjoy my endless rants for the upcoming few years for free, till I am officially in the GREEN. Tread these crocodile ($MSTE)infested waters carefully at your own risk.
I wonder how the portfolios of other MSTE whales of Blossom @garygill @adrian_pii @monthlymint @ccetf @anbha @onmargin and many others that I can't even recall are doing.
I am just a small tuna fish compared to them.
Anyways that's it for this update, I am tired now, goodnite 💤💤
See you next month with another update, till we meet again, stay Blessed and keep hustling.read more
126 views
NFLX stock
I pay for the base ad form of Netflix, Prime, Crave, and Disney. Guess who has the shortest ads? I am a huge fan of season 2 of The Gentlemen so far. Check it out
I tolerate the 1 minute+ adds on Crave, Prime, et. al.
But it seems $NFLX does only 15 sometimes 30 second ads? Double the runway for advertisers.
Anyone else finding a similar thing?
I tolerate the 1 minute+ adds on Crave, Prime, et. al.
But it seems $NFLX does only 15 sometimes 30 second ads? Double the runway for advertisers.
Anyone else finding a similar thing?
70 views
"bUt iT's aLReAdY bAkEd iN"
This is the second thing that I hear all the time. The one I don't agree with.
I heard it with $PLTR in 2023.
I heard it with $NVDA in 2022.
I heard it with $AMD in 2024.
NOTHING IS BAKED IN. I mean if we're talking about a week-long time frame and earnings are coming up, maybe you could say it's baked in. But I've seen people be wrong so many times.
This isn't a bakery, very few things are actually "bAkEd iN". No one has any idea if a stock is going to up, down or sideways. Stocks surprise me all the time, and usually it's when I'm buying right before a run and people are always telling me it's already priced in, it's already baked in. I hear it right before Nvidia earnings. If I would have listened to those people, I never would have made any money.
Have a great weekend everyone.read more
I heard it with $PLTR in 2023.
I heard it with $NVDA in 2022.
I heard it with $AMD in 2024.
NOTHING IS BAKED IN. I mean if we're talking about a week-long time frame and earnings are coming up, maybe you could say it's baked in. But I've seen people be wrong so many times.
This isn't a bakery, very few things are actually "bAkEd iN". No one has any idea if a stock is going to up, down or sideways. Stocks surprise me all the time, and usually it's when I'm buying right before a run and people are always telling me it's already priced in, it's already baked in. I hear it right before Nvidia earnings. If I would have listened to those people, I never would have made any money.
Have a great weekend everyone.read more
934 views
📊 Closing the Week With Gratitude & Growth 🙏
What a week 🚀🚀🚀
Today’s positions and results:
$NBIS $220 Call – September 18, 2026 expiration, 100 contracts. Average price: $6.80. Total cost: $68,000. Current market value: $177,750. Open P&L: +$109,750 (+161.40%).
$AMD $475 Call – September 18, 2026 expiration, 100 contracts. Average price: $11.90. Total cost: $119,000. Current market value: $193,000. Open P&L: +$74,000 (+62.18%).
$MRVL $225 Call – September 25, 2026 expiration, 115 contracts. Average price: $6.80. Total cost: $78,200. Current market value: $139,437.50. Open P&L: +$61,237.50 (+78.31%).
$INTC $89 Call – September 18, 2026 expiration, 100 contracts. Average price: $4.20. Total cost: $42,000. Current market value: $86,750. Open P&L: +$44,750 (+106.55%).
Total Profit Today: +$289,737.50
I’m grateful to God for allowing me to close out another trading week with strong results alongside my trading community. These screenshots represent some of the positions we have been working with, and seeing the green numbers at the end of today is definitely rewarding.
But honestly, the profit is not the part I want anyone to focus on the most.
The real victory is the discipline, patience, preparation, risk management, and consistency that comes before the profit.
Anyone can post a winning trade. Not everyone talks about the research, the waiting, the analysis, the losing trades, the mistakes, the adjustments, and the discipline required to stay in the market long enough to become consistently better.
Trading has taught me that you cannot force the market to give you money. You can only prepare yourself properly, identify opportunities, manage your risk, and allow your strategy to play out.
For everyone who is new to options trading, I want you to understand something very important:
⚠️ Options are not simply a shortcut to making money
When you buy a call option, you are buying the right, but not the obligation, to purchase the underlying stock at a specific strike price before or at expiration, depending on the contract style.
The price you pay for that option is called the premium.
And that premium is affected by several factors.
• The stock price matters.
• The strike price matters.
• The expiration date matters.
• Implied volatility matters.
• Time matters.
• And the Greeks matter.
For example, Delta gives you an idea of how much an option’s price may change for a $1 move in the underlying stock, although it is only an estimate and not a guarantee.
Theta represents time decay. This is one of the biggest things beginners need to understand. An option is not like simply buying a stock and waiting. As time passes, an option can lose value because there is less time remaining for the expected move to happen.
That is why entering an options trade without understanding expiration, premium, volatility, and risk can be extremely dangerous.
Do not look at a screenshot like this and think, “I need to make this much money too.”
Instead, look at it and think:
“What can I learn from the process that produced this result?”
That mindset will take you much further.
Don’t copy someone’s position simply because you see green numbers.
Don’t risk money you cannot afford to lose.
Don’t take 100 contracts because you saw someone trading 100 contracts.
Don’t increase your position size just because you had one winning trade.
And most importantly, don’t confuse a winning trade with being a professional trader.
A professional mindset is built through repetition, education, patience, proper position sizing, risk management, and the ability to accept that not every trade will work.
There will be days when the market gives.
There will be days when the market takes.
There will be trades that work exactly according to plan.
There will also be trades that completely fail.
The goal is not to win every single trade.
The goal is to build a process that allows you to survive, learn, improve, and become better over time.
One trade does not define you. One loss does not define you. One winning week does not define you either.
Your consistency over time is what matters.
To everyone learning alongside me, keep studying.
• Keep asking questions.
• Keep learning how options work.
• Learn the difference between calls and puts.
• Learn strike prices.
• Learn expiration dates.
• Learn intrinsic and extrinsic value.
• Learn implied volatility.
• Learn the Greeks.
• Learn position sizing.
• Learn risk management.
• And most importantly, learn when NOT to trade.
Sometimes the best trade is no trade at all.
There is nothing wrong with sitting on your hands when the setup isn’t there.
Patience is also a position.
As we close out this week, I want everyone reading this to remember that success doesn’t happen overnight.
You may look at someone’s results today and think they got lucky, but you don’t see every lesson that came before the result.
• You don’t see the nights spent studying charts.
• You don’t see the mistakes.
• You don’t see the losses.
• You don’t see the uncertainty.
• You don’t see the years of learning.
• You only see the screenshot.
So don’t compare your chapter one to somebody else’s chapter twenty.
Keep learning. Keep improving. Keep showing up.
Your journey is your journey.
And if you’re currently struggling, don’t give up just because you’re not where you want to be yet.
• If you’re making mistakes, learn from them.
• If you’re losing, review your trades.
• If you’re winning, remain humble.
• If you’re growing, keep going.
And if you’re blessed with success, never forget to give God the glory.
I also want to take a moment tonight to pray for everyone in this community.
🙏 Father Lord 🙏
As we come to the end of another week, I thank You for life, protection, wisdom, strength, opportunities, and the ability to keep moving forward.
Thank You for every door You opened this week and even for the doors You closed. Thank You for the lessons that came through both our victories and our challenges.
Lord, I pray for everyone reading this right now. Give us wisdom beyond our own understanding. Give us discipline when we are tempted to become impatient. Give us patience when we want immediate results. Give us clarity when things become uncertain and give us courage to walk away when an opportunity does not align with our plan.
Protect us from greed, fear, emotional decisions, overconfidence, and unnecessary risks.
Help us to never allow money to become more important than wisdom, integrity, peace, and purpose.
Bless the work of our hands.
Guide our decisions.
Give us the wisdom to recognize opportunities and the discipline to recognize when we should wait.
For those who experienced losses this week, give them the strength to learn from those losses without allowing them to destroy their confidence.
For those who experienced wins, keep them humble and teach them how to manage their blessings wisely.
For those who are still waiting for their breakthrough, give them patience and remind them that delay does not mean denial.
May the coming week bring new opportunities, greater understanding, better decisions, and continued growth.
Protect everyone in this community and their families. Keep us safe wherever we go. Give us peace in our homes, wisdom in our businesses, favor in our work, and direction in every decision we make.
May we never become so focused on financial success that we forget the people we love, our health, our purpose, and the God who gave us the ability to pursue our dreams.
Lord, let our success come with wisdom.
Let our wealth come with responsibility.
Let our opportunities come with discernment.
And let our journey never take us away from You.
When we succeed, keep us humble.
When we fail, keep us strong.
When we are confused, give us direction.
When we are afraid, give us courage.
And when we are blessed, teach us to be a blessing to others.
🙏 Proverbs 3:5–6 says:
“Trust in the Lord with all thine heart; and lean not unto thine own understanding. In all thy ways acknowledge him, and he shall direct thy paths.”
That is my prayer as we close this week.
May God direct our paths, protect our families, strengthen our minds, bless our efforts, and give us the wisdom to make better decisions in the week ahead.
Enjoy the weekend. Rest. Reset. Reflect. Learn from this week and prepare for the next one.
The market will still be here.
There will always be another setup.
There will always be another opportunity.
But there is only one you, so protect your capital, protect your mindset, and protect your peace.
Keep learning. Keep growing. Keep believing. Keep God first.
🙏 Have a blessed weekend everyone. 🙏
To more knowledge, more discipline, more wisdom, and more growth.
Educational purposes only. Trading options involves substantial risk and is not suitable for everyone. Never trade based solely on someone else’s results or position. Always understand the risks before committing capital. read more
What a week 🚀🚀🚀
Today’s positions and results:
$NBIS $220 Call – September 18, 2026 expiration, 100 contracts. Average price: $6.80. Total cost: $68,000. Current market value: $177,750. Open P&L: +$109,750 (+161.40%).
$AMD $475 Call – September 18, 2026 expiration, 100 contracts. Average price: $11.90. Total cost: $119,000. Current market value: $193,000. Open P&L: +$74,000 (+62.18%).
$MRVL $225 Call – September 25, 2026 expiration, 115 contracts. Average price: $6.80. Total cost: $78,200. Current market value: $139,437.50. Open P&L: +$61,237.50 (+78.31%).
$INTC $89 Call – September 18, 2026 expiration, 100 contracts. Average price: $4.20. Total cost: $42,000. Current market value: $86,750. Open P&L: +$44,750 (+106.55%).
Total Profit Today: +$289,737.50
I’m grateful to God for allowing me to close out another trading week with strong results alongside my trading community. These screenshots represent some of the positions we have been working with, and seeing the green numbers at the end of today is definitely rewarding.
But honestly, the profit is not the part I want anyone to focus on the most.
The real victory is the discipline, patience, preparation, risk management, and consistency that comes before the profit.
Anyone can post a winning trade. Not everyone talks about the research, the waiting, the analysis, the losing trades, the mistakes, the adjustments, and the discipline required to stay in the market long enough to become consistently better.
Trading has taught me that you cannot force the market to give you money. You can only prepare yourself properly, identify opportunities, manage your risk, and allow your strategy to play out.
For everyone who is new to options trading, I want you to understand something very important:
⚠️ Options are not simply a shortcut to making money
When you buy a call option, you are buying the right, but not the obligation, to purchase the underlying stock at a specific strike price before or at expiration, depending on the contract style.
The price you pay for that option is called the premium.
And that premium is affected by several factors.
• The stock price matters.
• The strike price matters.
• The expiration date matters.
• Implied volatility matters.
• Time matters.
• And the Greeks matter.
For example, Delta gives you an idea of how much an option’s price may change for a $1 move in the underlying stock, although it is only an estimate and not a guarantee.
Theta represents time decay. This is one of the biggest things beginners need to understand. An option is not like simply buying a stock and waiting. As time passes, an option can lose value because there is less time remaining for the expected move to happen.
That is why entering an options trade without understanding expiration, premium, volatility, and risk can be extremely dangerous.
Do not look at a screenshot like this and think, “I need to make this much money too.”
Instead, look at it and think:
“What can I learn from the process that produced this result?”
That mindset will take you much further.
Don’t copy someone’s position simply because you see green numbers.
Don’t risk money you cannot afford to lose.
Don’t take 100 contracts because you saw someone trading 100 contracts.
Don’t increase your position size just because you had one winning trade.
And most importantly, don’t confuse a winning trade with being a professional trader.
A professional mindset is built through repetition, education, patience, proper position sizing, risk management, and the ability to accept that not every trade will work.
There will be days when the market gives.
There will be days when the market takes.
There will be trades that work exactly according to plan.
There will also be trades that completely fail.
The goal is not to win every single trade.
The goal is to build a process that allows you to survive, learn, improve, and become better over time.
One trade does not define you. One loss does not define you. One winning week does not define you either.
Your consistency over time is what matters.
To everyone learning alongside me, keep studying.
• Keep asking questions.
• Keep learning how options work.
• Learn the difference between calls and puts.
• Learn strike prices.
• Learn expiration dates.
• Learn intrinsic and extrinsic value.
• Learn implied volatility.
• Learn the Greeks.
• Learn position sizing.
• Learn risk management.
• And most importantly, learn when NOT to trade.
Sometimes the best trade is no trade at all.
There is nothing wrong with sitting on your hands when the setup isn’t there.
Patience is also a position.
As we close out this week, I want everyone reading this to remember that success doesn’t happen overnight.
You may look at someone’s results today and think they got lucky, but you don’t see every lesson that came before the result.
• You don’t see the nights spent studying charts.
• You don’t see the mistakes.
• You don’t see the losses.
• You don’t see the uncertainty.
• You don’t see the years of learning.
• You only see the screenshot.
So don’t compare your chapter one to somebody else’s chapter twenty.
Keep learning. Keep improving. Keep showing up.
Your journey is your journey.
And if you’re currently struggling, don’t give up just because you’re not where you want to be yet.
• If you’re making mistakes, learn from them.
• If you’re losing, review your trades.
• If you’re winning, remain humble.
• If you’re growing, keep going.
And if you’re blessed with success, never forget to give God the glory.
I also want to take a moment tonight to pray for everyone in this community.
🙏 Father Lord 🙏
As we come to the end of another week, I thank You for life, protection, wisdom, strength, opportunities, and the ability to keep moving forward.
Thank You for every door You opened this week and even for the doors You closed. Thank You for the lessons that came through both our victories and our challenges.
Lord, I pray for everyone reading this right now. Give us wisdom beyond our own understanding. Give us discipline when we are tempted to become impatient. Give us patience when we want immediate results. Give us clarity when things become uncertain and give us courage to walk away when an opportunity does not align with our plan.
Protect us from greed, fear, emotional decisions, overconfidence, and unnecessary risks.
Help us to never allow money to become more important than wisdom, integrity, peace, and purpose.
Bless the work of our hands.
Guide our decisions.
Give us the wisdom to recognize opportunities and the discipline to recognize when we should wait.
For those who experienced losses this week, give them the strength to learn from those losses without allowing them to destroy their confidence.
For those who experienced wins, keep them humble and teach them how to manage their blessings wisely.
For those who are still waiting for their breakthrough, give them patience and remind them that delay does not mean denial.
May the coming week bring new opportunities, greater understanding, better decisions, and continued growth.
Protect everyone in this community and their families. Keep us safe wherever we go. Give us peace in our homes, wisdom in our businesses, favor in our work, and direction in every decision we make.
May we never become so focused on financial success that we forget the people we love, our health, our purpose, and the God who gave us the ability to pursue our dreams.
Lord, let our success come with wisdom.
Let our wealth come with responsibility.
Let our opportunities come with discernment.
And let our journey never take us away from You.
When we succeed, keep us humble.
When we fail, keep us strong.
When we are confused, give us direction.
When we are afraid, give us courage.
And when we are blessed, teach us to be a blessing to others.
🙏 Proverbs 3:5–6 says:
“Trust in the Lord with all thine heart; and lean not unto thine own understanding. In all thy ways acknowledge him, and he shall direct thy paths.”
That is my prayer as we close this week.
May God direct our paths, protect our families, strengthen our minds, bless our efforts, and give us the wisdom to make better decisions in the week ahead.
Enjoy the weekend. Rest. Reset. Reflect. Learn from this week and prepare for the next one.
The market will still be here.
There will always be another setup.
There will always be another opportunity.
But there is only one you, so protect your capital, protect your mindset, and protect your peace.
Keep learning. Keep growing. Keep believing. Keep God first.
🙏 Have a blessed weekend everyone. 🙏
To more knowledge, more discipline, more wisdom, and more growth.
Educational purposes only. Trading options involves substantial risk and is not suitable for everyone. Never trade based solely on someone else’s results or position. Always understand the risks before committing capital. read more
498 views
Not for the faint of heart my
look at you baby girl!!! I loweres my CA pullback this. I am at $55.03. my portfolio nickname for it " volatility "
408 views
Preparing for the inevitable.
I am currently 47 years old. Unfortunately in that time frame I have lost a lot of family members. Some (most) were accidents, some to age, some to cancer, and one to suicide. That’s 11 deaths total. Only 1 person out of 11 had a will.
When you are grieving the last thing you want to do is close an estate up.
It’s even harder if nothing has been prepared in advance.
After the initial shock of the death settles (the phase where everyone is usually nice), greed comes through in a most alarming manner. I’ve watched people turn into monsters. Make sure you have a will!!!! or people will fight. 
I know most people hate thinking about their death or their spouses death but honestly it’s just a fact of life.
I’ve personally been the executor of 2 estates now.
This is my advice:
1. If your young get life insurance. If you’re retired it’s not worth it.
2. Make sure you have a will.
3. Make sure you have a personal directive.
4. Make sure you have a power of attorney set up.
5. If your married make your spouse the beneficiary of your TFSA and RRSP(has to be done through the account not the will), they will roll into the spouses account without taxation.
6. If you’re married, and you own a house, make sure both names are on the title, joint tenant, NOT tenant in common. This activates right of survivorship on property and doesn’t have to go through the estate.
7. If you’re married, both people should have their name on all the vehicles, joint, otherwise it’s a headache after death.
8. Buy a file folding system. I have a plastic one that has a clasp and handle.
9. Put EVERYTHING in this file folder that would be needed if you died tomorrow.
a) all land titles
B) information on house insurance so it can either be eventually canceled or name changed over.
C) your will (or the location of your will),  power of attorney, and personal directive
D) the information for your car, car insurance, and registration on vehicles.
E) information on life insurance.
F) all current year papers needed for filing your taxes. Because the survivor will have to do it and will need that information.
G) where your household bills are. ALL OF THEM, electricity, gas, Netflix, magazine, subscriptions everything you can think of that is in their name. Because you are going to have to cancel them.
H) their credit card information where to contact to cancel the cards
I) birth certificate, SIN numbers, marriage, license, etc.
J) information on all your investments accounts, bank accounts, etc.
K) anything else you can think of for your situation
If you’re married, I’d have one box per person.
When you die, the funeral home will issue many death certificates. And your lawyer will give you copies of the will.
These will be needed to change over any accounts. Everything else goes through the estate which is taxed and the lawyers take their fees so I’d avoid this as much as possible especially if you’re married. This is why having property in both people‘s names is so important because it doesn’t have to go through probate.
I am widowed now and I have my black file folder and my two remaining children know if something happens to me, all they have to do is grab the folder. Everything they need to take care of my estate will be located in this folder.
At the beginning of every year, I open this file up and go through everything to make sure it’s up-to-date.
If you are young and do not own much or can’t afford a will, you can draft one up but it must be handwritten to be classified as a legal document. You cannot type it out!! If you’re not worth much, everything will most likely be sold to pay your bills and cover your funeral expenses. But you can state who your executor will be in your handwritten will.
 Disclaimer I’m not a lawyer or an accountant and this is not legal advice. Talk to a lawyer and talk to an accountant. Make sure everything is set up for you and your situation. These are situations that I personally ran into.
Good luck
Also I’ll add in. IF you have a lot of assets make an appointment with your accountant first. They will tell you how to properly set things up. Then take that information to your lawyer. read more
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
291K views
Power is the next hot sector 🔥
The next AI bottleneck is POWER ⚡️ — and these stocks have recently pulled back.
If you were at blossomcon I’m sure you heard me emphasize how important power , electricity and grid upgrades will be in order for ai and physical ai to move forward. This is one of the reasons why I continue to increase exposure to electrical infrastructure
Power is the next AI bottleneck because chips now arrive faster than electricity, transformers, and grid connections.
Jensen Huang calls electricity “the bottleneck,” not GPUs. Energy sits at the base of AI infrastructure: factories turn electrons into tokens, so revenue is tokens per watt. He expects small nuclear reactors beside data centers and says computing may need ~1,000× more energy as agents run continuously.
Elon Musk says the limiter moved from chips to transformers to generation. The U.S. will soon make more chips than it can power; he cites ~15 GW of 2027 compute sitting idle. China scales solar faster. His fix: on-site turbines now, solar satellites later.
Gavin Baker frames two constraints—watts and wafers. Power shortages slow overbuild and make tokens-per-watt decisive. Watts ease around 2027–28; zoning remains a choke.
Chips take months. Gigawatts take years.
$VST — Generates massive amounts of electricity from nuclear and natural gas. Has 20-year nuclear power deals with AWS and Meta, giving it direct exposure to Big Tech’s growing power needs.
$CEG — America’s largest nuclear operator. Supplies huge amounts of reliable 24/7 electricity, with long-term power deals tied to Microsoft and Meta’s growing data-center needs.
$GEV — Builds the gas turbines and grid equipment needed to create and move electricity. AI data centers need huge amounts of new power generation, making turbines increasingly important.
$VRT — Builds the power and cooling infrastructure inside data centers. Think liquid cooling, power management, UPS systems and increasingly microgrid infrastructure.
$BE— Provides onsite fuel-cell power, allowing data centers to generate electricity closer to where it’s needed instead of waiting years for new grid connections.
$CCO— One of the world’s largest uranium producers. Uranium is the fuel that keeps nuclear reactors running, giving Cameco exposure to rising nuclear power demand.
$ETN — Makes the electrical equipment that gets power into and around the data center — breakers, switchgear, transformers and power-distribution systems.
read more
If you were at blossomcon I’m sure you heard me emphasize how important power , electricity and grid upgrades will be in order for ai and physical ai to move forward. This is one of the reasons why I continue to increase exposure to electrical infrastructure
Power is the next AI bottleneck because chips now arrive faster than electricity, transformers, and grid connections.
Jensen Huang calls electricity “the bottleneck,” not GPUs. Energy sits at the base of AI infrastructure: factories turn electrons into tokens, so revenue is tokens per watt. He expects small nuclear reactors beside data centers and says computing may need ~1,000× more energy as agents run continuously.
Elon Musk says the limiter moved from chips to transformers to generation. The U.S. will soon make more chips than it can power; he cites ~15 GW of 2027 compute sitting idle. China scales solar faster. His fix: on-site turbines now, solar satellites later.
Gavin Baker frames two constraints—watts and wafers. Power shortages slow overbuild and make tokens-per-watt decisive. Watts ease around 2027–28; zoning remains a choke.
Chips take months. Gigawatts take years.
$VST — Generates massive amounts of electricity from nuclear and natural gas. Has 20-year nuclear power deals with AWS and Meta, giving it direct exposure to Big Tech’s growing power needs.
$CEG — America’s largest nuclear operator. Supplies huge amounts of reliable 24/7 electricity, with long-term power deals tied to Microsoft and Meta’s growing data-center needs.
$GEV — Builds the gas turbines and grid equipment needed to create and move electricity. AI data centers need huge amounts of new power generation, making turbines increasingly important.
$VRT — Builds the power and cooling infrastructure inside data centers. Think liquid cooling, power management, UPS systems and increasingly microgrid infrastructure.
$BE— Provides onsite fuel-cell power, allowing data centers to generate electricity closer to where it’s needed instead of waiting years for new grid connections.
$CCO— One of the world’s largest uranium producers. Uranium is the fuel that keeps nuclear reactors running, giving Cameco exposure to rising nuclear power demand.
$ETN — Makes the electrical equipment that gets power into and around the data center — breakers, switchgear, transformers and power-distribution systems.
read more
4,244 views
🟠MSTE🟠 update!
Well, I “bought the damage” as the Ninepoint Shares newsletter would say lol. Just added 955 shares of MSTE at $2.50 and brought my average cost down to $8.38.
Really betting on the Clarity Act vote on September 15th — if it passes, I think it could help kickstart the next crypto bull run.
The Digital Asset Market Clarity Act is the most significant U.S. crypto market-structure bill to reach this stage. It aims to end years of regulatory ambiguity by creating a statutory framework for digital assets.
My second bet is that 🟠 Strategy 🟠 (MSTR) gets added to the S&P 500 sometime this fall.
One of the reasons they’ve been selectively selling some of their Bitcoin is to help clear the path for inclusion. Under GAAP rules, Bitcoin is marked to market, so big unrealized losses can wipe out profitability and keep them ineligible. By selling a small portion of their holdings, they’re building cash reserves (to cover preferred dividends and reduce dilution risk) and shrinking the size of those mark-to-market swings. That makes their earnings look more stable and “operating-company-like,” which is exactly what the S&P committee wants to see.
Happy Investing Everyoneread more
Really betting on the Clarity Act vote on September 15th — if it passes, I think it could help kickstart the next crypto bull run.
The Digital Asset Market Clarity Act is the most significant U.S. crypto market-structure bill to reach this stage. It aims to end years of regulatory ambiguity by creating a statutory framework for digital assets.
My second bet is that 🟠 Strategy 🟠 (MSTR) gets added to the S&P 500 sometime this fall.
One of the reasons they’ve been selectively selling some of their Bitcoin is to help clear the path for inclusion. Under GAAP rules, Bitcoin is marked to market, so big unrealized losses can wipe out profitability and keep them ineligible. By selling a small portion of their holdings, they’re building cash reserves (to cover preferred dividends and reduce dilution risk) and shrinking the size of those mark-to-market swings. That makes their earnings look more stable and “operating-company-like,” which is exactly what the S&P committee wants to see.
Happy Investing Everyoneread more
2,106 views
America’s $31T Economy, Visualized by State 🇺🇸
The $31 Trillion US Economic Engine, Broken Down by State 🇺🇸
This Visual Capitalist graphic puts the sheer size of the US economy into perspective. With national GDP hitting $31 Trillion, a handful of powerhouse states generate a massive share of total output.
Quick takeaways for DIY investors:
* The Big Four Heavyweights:
California ($4.3T), Texas ($2.9T), New York ($2.5T), and Florida ($1.8T) make up nearly 35% of the entire national GDP. To put that in perspective, California's economy alone is larger than the entire GDP of the United Kingdom or Germany.
* Regional Specialization:
The US economy gets its strength from diversity, tech, and entertainment in the Far West, oil and manufacturing in the Southwest, finance in the Mideast, and agriculture across the Plains.
* The "Trillion-Dollar Club":
Only 6 states cross the $1T mark (CA, TX, NY, FL, IL, PA), yet they carry almost half of the country's economic output.
When allocating across broad funds like $VOO or $SPY, you are effectively buying into a globally diversified mega-economy driven by these heavy-hitting regions.
Which region's growth profile do you favor over the next 5–10 years?
Would you add International and Emerging markets to your VOO/SPY, and how much?
read more
This Visual Capitalist graphic puts the sheer size of the US economy into perspective. With national GDP hitting $31 Trillion, a handful of powerhouse states generate a massive share of total output.
Quick takeaways for DIY investors:
* The Big Four Heavyweights:
California ($4.3T), Texas ($2.9T), New York ($2.5T), and Florida ($1.8T) make up nearly 35% of the entire national GDP. To put that in perspective, California's economy alone is larger than the entire GDP of the United Kingdom or Germany.
* Regional Specialization:
The US economy gets its strength from diversity, tech, and entertainment in the Far West, oil and manufacturing in the Southwest, finance in the Mideast, and agriculture across the Plains.
* The "Trillion-Dollar Club":
Only 6 states cross the $1T mark (CA, TX, NY, FL, IL, PA), yet they carry almost half of the country's economic output.
When allocating across broad funds like $VOO or $SPY, you are effectively buying into a globally diversified mega-economy driven by these heavy-hitting regions.
Which region's growth profile do you favor over the next 5–10 years?
Would you add International and Emerging markets to your VOO/SPY, and how much?
read more
1,098 views
3 Common Covered Call ETF Misconceptions
These are the three biggest misconceptions I see on here when it comes to covered-call ETFs.
I call them misconceptions because the fund companies themselves do not make these claims and, in many cases, their own material directly contradicts them.
Fund companies are actually pretty clear on this. They consistently remind investors that yield is not the same as return, and that total return is the number you need to look at when evaluating how an investment is actually performing.
So with that said, here are my top three.
1. A higher yield means you can spend more
I put this at number one because I see a lot of people looking at the yield of a fund and making investment decisions based largely on that number. A higher distribution yield means more cash is being paid out per dollar invested, but it does not mean the investment is earning a higher return.
A fund yielding 12% can still produce a lower total return than a fund yielding 4%. That is the distinction people need to understand: cash flow and investment return are not the same thing.
A lot of people seem to assume that a higher yield automatically means they can spend more than a traditional 4% withdrawal rate. That conclusion is not supported by math or the fund companies themselves which consistently point investors back to total return, because that is what ultimately determines how much a portfolio can support over time.
2. If you sell shares, you will eventually deplete your account
This one gets repeated all the time, usually because people focus on the number of shares being sold instead of what is happening to the total value of the portfolio. Selling shares is not automatically the same thing as consuming your capital. What determines that is the relationship between your withdrawals and the total return of the investment, not the yield. If your investment earns a 10% total return and you withdraw 6%, you can still end the year with more money than you started with.
You may own fewer shares, but the shares you still own can be worth more. That is really no different from owning a covered-call fund that pays a large distribution and then reinvesting part of that distribution to maintain or grow your capital.
Fund companies themselves make this point. Recently, Olivia Li, Portfolio Manager at BMO ETFs who manages covered-call funds, stated: “You can create essentially the same cash flow by investing in the underlying index and periodically selling a small portion of your holdings.”
Jay Pestrichelli, Chief Trading Officer at Tidal, has made the same broader point: yield does not equal return, and investors need to look at total return when evaluating these products.
If the investment earns more than you spend, your capital can grow. If you consistently spend more than the investment earns, you are consuming capital. It does not really matter whether that money arrived as a distribution or because you sold a few shares.
3. Covered calls let you retire with less
This last one is probably the easiest to separate from what the fund companies actually say, because you will not see them promoting this idea. It is entirely a retail-investor claim. There are some people that argue that covered-call funds allow someone to retire with less money saved simply because the fund pays a larger distribution. But a 15% distribution does not suddenly give a smaller portfolio the same spending power as a much larger one. Someone with a $500,000 portfolio earning a 15% distribution is not automatically in the same position as someone with a $1 million portfolio simply because the cash yield is higher.
The distribution rate tells you how much cash is being paid out. It does not, by itself, tell you how much the portfolio can sustainably support over time. There are no fund companies that are out there pushing this narrative or supporting it and when they are asked they bring the conversation back to total return.
Those are the 3 big misconceptions that I see people spreading. In the end total return tells you what the portfolio earned. If you don’t want to spend down your portfolio you have to spend less than the total return.
Covered calls change how the cash flow is delivered. They do not change the mathematics of total return.
There are plenty of reasons people choose to be income investors, and many of them are perfectly valid. For anyone looking seriously at income investing, I highly recommend reading The Income Factory and spending some time reading or listening to interviews with the people who actually manage these funds.
One of the things you will quickly notice is that many of the more outlandish claims made about income investing are not coming from the fund managers themselves. Now I imagine there will be people who disagree with this, and for those people I would say: go directly to the fund company and ask them.
Does a higher distribution rate, by itself, allow you to sustainably spend more?
Is selling shares inherently worse, from an economic standpoint, than receiving the same amount of cash through a distribution?
Can a covered-call fund with a higher distribution allow you to retire with a smaller portfolio?
And share the answers they give below !read more
I call them misconceptions because the fund companies themselves do not make these claims and, in many cases, their own material directly contradicts them.
Fund companies are actually pretty clear on this. They consistently remind investors that yield is not the same as return, and that total return is the number you need to look at when evaluating how an investment is actually performing.
So with that said, here are my top three.
1. A higher yield means you can spend more
I put this at number one because I see a lot of people looking at the yield of a fund and making investment decisions based largely on that number. A higher distribution yield means more cash is being paid out per dollar invested, but it does not mean the investment is earning a higher return.
A fund yielding 12% can still produce a lower total return than a fund yielding 4%. That is the distinction people need to understand: cash flow and investment return are not the same thing.
A lot of people seem to assume that a higher yield automatically means they can spend more than a traditional 4% withdrawal rate. That conclusion is not supported by math or the fund companies themselves which consistently point investors back to total return, because that is what ultimately determines how much a portfolio can support over time.
2. If you sell shares, you will eventually deplete your account
This one gets repeated all the time, usually because people focus on the number of shares being sold instead of what is happening to the total value of the portfolio. Selling shares is not automatically the same thing as consuming your capital. What determines that is the relationship between your withdrawals and the total return of the investment, not the yield. If your investment earns a 10% total return and you withdraw 6%, you can still end the year with more money than you started with.
You may own fewer shares, but the shares you still own can be worth more. That is really no different from owning a covered-call fund that pays a large distribution and then reinvesting part of that distribution to maintain or grow your capital.
Fund companies themselves make this point. Recently, Olivia Li, Portfolio Manager at BMO ETFs who manages covered-call funds, stated: “You can create essentially the same cash flow by investing in the underlying index and periodically selling a small portion of your holdings.”
Jay Pestrichelli, Chief Trading Officer at Tidal, has made the same broader point: yield does not equal return, and investors need to look at total return when evaluating these products.
If the investment earns more than you spend, your capital can grow. If you consistently spend more than the investment earns, you are consuming capital. It does not really matter whether that money arrived as a distribution or because you sold a few shares.
3. Covered calls let you retire with less
This last one is probably the easiest to separate from what the fund companies actually say, because you will not see them promoting this idea. It is entirely a retail-investor claim. There are some people that argue that covered-call funds allow someone to retire with less money saved simply because the fund pays a larger distribution. But a 15% distribution does not suddenly give a smaller portfolio the same spending power as a much larger one. Someone with a $500,000 portfolio earning a 15% distribution is not automatically in the same position as someone with a $1 million portfolio simply because the cash yield is higher.
The distribution rate tells you how much cash is being paid out. It does not, by itself, tell you how much the portfolio can sustainably support over time. There are no fund companies that are out there pushing this narrative or supporting it and when they are asked they bring the conversation back to total return.
Those are the 3 big misconceptions that I see people spreading. In the end total return tells you what the portfolio earned. If you don’t want to spend down your portfolio you have to spend less than the total return.
Covered calls change how the cash flow is delivered. They do not change the mathematics of total return.
There are plenty of reasons people choose to be income investors, and many of them are perfectly valid. For anyone looking seriously at income investing, I highly recommend reading The Income Factory and spending some time reading or listening to interviews with the people who actually manage these funds.
One of the things you will quickly notice is that many of the more outlandish claims made about income investing are not coming from the fund managers themselves. Now I imagine there will be people who disagree with this, and for those people I would say: go directly to the fund company and ask them.
Does a higher distribution rate, by itself, allow you to sustainably spend more?
Is selling shares inherently worse, from an economic standpoint, than receiving the same amount of cash through a distribution?
Can a covered-call fund with a higher distribution allow you to retire with a smaller portfolio?
And share the answers they give below !read more
3,720 views
dEw yOu'Re rEsERrCh!
Oh, I'm sorry... did that come off sarcastic? I really mean it though.
I'm no pro, by any measure, but I do my best and I like to think I'm getting better as I go. I've beaten the market (whatever the hell that means) every year, since opening my Wealthsimple account five years ago... but modestly... I'm no savant and haven't found the "secret" stock that "everyone is ignoring". This year, I'm behind the market and it's become clear that it's because of some blindspots. So, the plan is to keep doing what I'm doing, which is to say, stay open and flexible and learn from mistakes (but always remember to celebrate the wins)!
Here are a few tips I've learned along the way:
1. Surround yourself with people who are better/smarter than you. 🤓 Watch them closely and track their claims/trades.
2. Filter out the angry/negative people. I call mine "Bradleys", but you can call yours whatever you want. 😜 These dudes (yes, by far, mostly men), are typically stuck in their ways and get really pissed if anyone does things differently.
3. Watch videos, read articles/books, listen to podcasts. Try to avoid the "this is the next big stock!" types.
4. Take all of this and use what you've learned while you explore websites like Finviz, Tradingview, Seeking Alpha, StockAlalysis, etc.
5. Don't be a 🐱 . Learn to recognize when you have a good idea and commit. Also, recognize when you 💩 the bed and take the loss.
6. Don't be a 🍆 . Be nice and helpful to the people who know less than you, or shut the 🤬 up.
So, I don't know why I felt the need to write this. Probably, I have some sort of disorder... not that there's anything wrong with that! 😜
Here are some stocks that caught my interest recently. Two of these were put on my radar by @moe_on_margin (see step 1) and one of them, I liked enough to take a small bite from.
read more
I'm no pro, by any measure, but I do my best and I like to think I'm getting better as I go. I've beaten the market (whatever the hell that means) every year, since opening my Wealthsimple account five years ago... but modestly... I'm no savant and haven't found the "secret" stock that "everyone is ignoring". This year, I'm behind the market and it's become clear that it's because of some blindspots. So, the plan is to keep doing what I'm doing, which is to say, stay open and flexible and learn from mistakes (but always remember to celebrate the wins)!
Here are a few tips I've learned along the way:
1. Surround yourself with people who are better/smarter than you. 🤓 Watch them closely and track their claims/trades.
2. Filter out the angry/negative people. I call mine "Bradleys", but you can call yours whatever you want. 😜 These dudes (yes, by far, mostly men), are typically stuck in their ways and get really pissed if anyone does things differently.
3. Watch videos, read articles/books, listen to podcasts. Try to avoid the "this is the next big stock!" types.
4. Take all of this and use what you've learned while you explore websites like Finviz, Tradingview, Seeking Alpha, StockAlalysis, etc.
5. Don't be a 🐱 . Learn to recognize when you have a good idea and commit. Also, recognize when you 💩 the bed and take the loss.
6. Don't be a 🍆 . Be nice and helpful to the people who know less than you, or shut the 🤬 up.
So, I don't know why I felt the need to write this. Probably, I have some sort of disorder... not that there's anything wrong with that! 😜
Here are some stocks that caught my interest recently. Two of these were put on my radar by @moe_on_margin (see step 1) and one of them, I liked enough to take a small bite from.
read more
1,966 views
Nvidia
Nvidia $NVDA is now over $1 TRILLION dollars larger than the second largest company in the world.
What an absolute behemoth.
What an absolute behemoth.
880 views
KTS #2: Follow the Sector. RE-POST
Originally published on Blossom on March 19th, 2024
Please find a retrospective commentary at the end.
Conventionalists will put you in an S&P 500 index fund and tell you to forget it. There’s a statistic, often regurgitated by the masses, that some 80-90% of investors can’t beat the $SPY.
If you don’t have the TIME or care to have your nest egg working for you - that can be a lazy plan.
But for anyone willing to dig in and learn-realizing that routinely outperforming the SPY by just 1% outperformance has an incredibly profound impact on your portfolio. Seems like a daunting
task in a world of naysayers. But I am sharing a lower risk ETF strategy that is a relatively straightforward way to do just that. After years of monitoring on a daily basis and decades of backtesting, this strategy works extremely well to outperform the S&P500 ....... by a lot more
than 1% each year!
Research shows that ~50% of a stock’s return is attributed to the movement of the sector to which it belongs (the rising tide lifts all boats phenomenon). The other half of the stock’s performance is related to the stock’s fundamentals. Because this observation is constantly repeating itself on a daily basis, you will see TIMES where companies with weak balance sheets rise when they shouldn’t (sector in favor) and fall really hard when it should (sector out of favor, fundamentals are weak). Vice versa for a company whose sector/subsector is in favor that has strong fundamentals (e.g. NVDA).
So there are 11 sectors and 20 subsectors. Each one has an ETF. Adopting a systematic approach of rotation will allow you to routinely outperform the S&P500. Once you dig in on this, you will learn so much more on how to read the market and understand what the market is telling us - not what we want to tell the market.
Here’s just one gem of insight as an example:
Pull up a year to date chart on $SPY (S&P500 ETF), $XITK (Innovative Technology ETF), $KCE
(Capital Markets ETF), and $XLE (Energy ETF).
Which one do you think was the best performer so far in 2024?
You are probably surprised to learn that it’s XLE, the energy ETF.
Not many talking about it. This kind of advantaged insight presents itself persistently as sectors and subsectors fall in and out of favor with Wall Street - either by design or by fundamentals.....or both. But you don’t need to know why, you just need to know how to read the markets instead to routinely get a leg up on the S&P500. This is a key point. A lot of investors are trying to be market makers with hope and buy stocks they WANT to reverse course and go up, regardless of sector favorability. When the simple approach is to “Follow the Sector!” Once you gain confidence in this strategy, you can move on to more advanced strategies that I use that work in all markets. Hint: Watch my portfolio and you’ll find select stocks within the favored sectors......for even more outperformance. Trying to really provide proven, actionable perspectives that run counter to the conventionalist propaganda fed to the masses of us retail investors.
Retrospective Commentary — September 4th, 2026
The approach still remains at the core of our process for analyzing the market and has been key to our success since we started sharing our work in March 2024.
Make sure to tune in as we prepare another retrospective publication on our first “This is the Way!” series post, which was a real-time application of KTS #2. This will be published later today.
Beskar Capital has developed a proprietary approach to systematically monitor the strength of each sector and subsector on a weekly basis.
And it's now available to our members every week.
We named it: THE SECTOR SURFER 🏄🌊
See below an excerpt from the Sector Surfer's description available on our website:
"This page will monitor the performance of all sectors and subsectors while simultaneously taking into account future investability through a proprietary approach. We start with a higher-level sector analysis and then dig deeper to find the stocks within these favored sectors and subsectors that fit the KTS toolkit. [...] Research suggests that, on average, 50% of a stock's performance is driven by the performance of the sector it belongs to."
Here's a blurred preview of the Sector Surfer attached below.
Every week, we publish the table, along with a brief analysis of the changes from the previous week, what to watch for in the upcoming week, and our general view of the current state of the markets.
This is our weekly compass. 🧭
THE KTS SERIES
We’re fast-forwarding the legacy KTS series (#1-91) – originally published on Blossom – at a rate of 3 posts per week here on X. As we approach the inflection point in the real estate/banking crisis cycle, these posts cannot come fast enough for the latecomers.
If you want to fast-track your learning, you can get access to the entire series at once with the KTS e-books available on our website. Our website also gives you exclusive access to every subsequent KTS post, starting with #92 up to currently #115 …… and counting, as new KTS
posts are published every Sunday now due to the urgency. Those remain membership
exclusive.
A paid membership website also gives you access to our full TOOL SUITE:
📖 Weekly KTS posts
🏄 Weekly SECTOR SURFER
📝 All TRADES + RATIONALE 🔭 Beskar INDICATOR INSIGHT
🏒 Beskar BREAKAWAY
🐳 Beskar WHALE WATCHER
🐺 Beskar WOLF TRACKER
🐕 Beskar DIGGER DOG
🧑🧑🧒🧒 Beskar STEAD (Community feed)
💯 And much, much moreread more
Please find a retrospective commentary at the end.
Conventionalists will put you in an S&P 500 index fund and tell you to forget it. There’s a statistic, often regurgitated by the masses, that some 80-90% of investors can’t beat the $SPY.
If you don’t have the TIME or care to have your nest egg working for you - that can be a lazy plan.
But for anyone willing to dig in and learn-realizing that routinely outperforming the SPY by just 1% outperformance has an incredibly profound impact on your portfolio. Seems like a daunting
task in a world of naysayers. But I am sharing a lower risk ETF strategy that is a relatively straightforward way to do just that. After years of monitoring on a daily basis and decades of backtesting, this strategy works extremely well to outperform the S&P500 ....... by a lot more
than 1% each year!
Research shows that ~50% of a stock’s return is attributed to the movement of the sector to which it belongs (the rising tide lifts all boats phenomenon). The other half of the stock’s performance is related to the stock’s fundamentals. Because this observation is constantly repeating itself on a daily basis, you will see TIMES where companies with weak balance sheets rise when they shouldn’t (sector in favor) and fall really hard when it should (sector out of favor, fundamentals are weak). Vice versa for a company whose sector/subsector is in favor that has strong fundamentals (e.g. NVDA).
So there are 11 sectors and 20 subsectors. Each one has an ETF. Adopting a systematic approach of rotation will allow you to routinely outperform the S&P500. Once you dig in on this, you will learn so much more on how to read the market and understand what the market is telling us - not what we want to tell the market.
Here’s just one gem of insight as an example:
Pull up a year to date chart on $SPY (S&P500 ETF), $XITK (Innovative Technology ETF), $KCE
(Capital Markets ETF), and $XLE (Energy ETF).
Which one do you think was the best performer so far in 2024?
You are probably surprised to learn that it’s XLE, the energy ETF.
Not many talking about it. This kind of advantaged insight presents itself persistently as sectors and subsectors fall in and out of favor with Wall Street - either by design or by fundamentals.....or both. But you don’t need to know why, you just need to know how to read the markets instead to routinely get a leg up on the S&P500. This is a key point. A lot of investors are trying to be market makers with hope and buy stocks they WANT to reverse course and go up, regardless of sector favorability. When the simple approach is to “Follow the Sector!” Once you gain confidence in this strategy, you can move on to more advanced strategies that I use that work in all markets. Hint: Watch my portfolio and you’ll find select stocks within the favored sectors......for even more outperformance. Trying to really provide proven, actionable perspectives that run counter to the conventionalist propaganda fed to the masses of us retail investors.
Retrospective Commentary — September 4th, 2026
The approach still remains at the core of our process for analyzing the market and has been key to our success since we started sharing our work in March 2024.
Make sure to tune in as we prepare another retrospective publication on our first “This is the Way!” series post, which was a real-time application of KTS #2. This will be published later today.
Beskar Capital has developed a proprietary approach to systematically monitor the strength of each sector and subsector on a weekly basis.
And it's now available to our members every week.
We named it: THE SECTOR SURFER 🏄🌊
See below an excerpt from the Sector Surfer's description available on our website:
"This page will monitor the performance of all sectors and subsectors while simultaneously taking into account future investability through a proprietary approach. We start with a higher-level sector analysis and then dig deeper to find the stocks within these favored sectors and subsectors that fit the KTS toolkit. [...] Research suggests that, on average, 50% of a stock's performance is driven by the performance of the sector it belongs to."
Here's a blurred preview of the Sector Surfer attached below.
Every week, we publish the table, along with a brief analysis of the changes from the previous week, what to watch for in the upcoming week, and our general view of the current state of the markets.
This is our weekly compass. 🧭
THE KTS SERIES
We’re fast-forwarding the legacy KTS series (#1-91) – originally published on Blossom – at a rate of 3 posts per week here on X. As we approach the inflection point in the real estate/banking crisis cycle, these posts cannot come fast enough for the latecomers.
If you want to fast-track your learning, you can get access to the entire series at once with the KTS e-books available on our website. Our website also gives you exclusive access to every subsequent KTS post, starting with #92 up to currently #115 …… and counting, as new KTS
posts are published every Sunday now due to the urgency. Those remain membership
exclusive.
A paid membership website also gives you access to our full TOOL SUITE:
📖 Weekly KTS posts
🏄 Weekly SECTOR SURFER
📝 All TRADES + RATIONALE 🔭 Beskar INDICATOR INSIGHT
🏒 Beskar BREAKAWAY
🐳 Beskar WHALE WATCHER
🐺 Beskar WOLF TRACKER
🐕 Beskar DIGGER DOG
🧑🧑🧒🧒 Beskar STEAD (Community feed)
💯 And much, much moreread more
1,976 views
