Since common inception, Global X Enhanced All-Equity Asset Allocation Covered Call ETF (EQCL) leads the peer group with a +19.40% cumulative total return, followed by Brompton Global Equity HighPay ETF (PAYG) at +14.92% and Evolve All-in-One UltraYield ETF (EASY) at +14.18% as of October 5, 2026. The results highlight meaningful dispersion across diversified equity-income strategies despite broadly similar objectives. Over the last 6 months, EQCL (+18.57%) also leads, ahead of EASY (+13.41%) and PAYG (+13.15%). Shorter-term leadership has rotated: over 3 months, EASY leads at +7.00%, followed by PAYG at +5.73% and EQCL at +2.57%. Over 1 month, EQCL returned +1.99%, EASY +1.88%, while PAYG was essentially flat at -0.04%.
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
$SOFI / I still really like the long-term growth story here. SoFi continues to grow members, products and revenue at a strong pace, while expanding beyond lending into more of an all-in-one financial platform. Q2 revenue was up 43% YoY and members grew 35%. $META / One of my favorite companies to own long term. AI is becoming a bigger part of the business, while Meta’s core advertising business continues to grow. Q2 revenue was up 28% YoY, and I think there’s still a lot of room for growth from here.
⚠️ Warning: This post was vetted through AI. You may want to look away now. 😂 After experiencing the uninformed and unwelcome opinions of people shaming the use of AI, and, even more frustratingly, misrepresenting my financial situation, I decided to reread The Subtle Art of Not Giving a Fck*. It reminded me of something I already knew: Not every opinion deserves my attention. Fundamentally, I don’t participate in negativity, harassment or hate. I don’t need to convince everyone that my choices are right, and I certainly don’t need the approval of people who have decided they know my financial situation better than I do. But I did feel that the developing culture of AI shaming deserved my attention, not because I want to argue with the naysayers, but because I think there’s an opportunity to have a more positive, productive and inclusive conversation about it. I genuinely enjoy sharing my financial growth, milestones, lessons and journey here on Blossom. It’s one of the fun parts of this app for me. I’m excited about what I’m building, and I enjoy sharing the process with people who are interested in learning, growing and having conversations about money. And just to be clear: I don’t use AI because I’m illiterate, incapable or unintelligent. I was a professor in a dental department at a post-secondary institution. I know how to think, research, question information and form my own conclusions. Using AI doesn’t equal incompetence. It’s a tool. A tool that helps me organize my thoughts, be more productive, communicate ideas and accomplish my goals. And I actually think there’s something beautiful about that. Technology can make participation more accessible. It can help someone find the words they struggle to find, organize thoughts that feel overwhelming, communicate in a language they’re still learning, or simply make it possible to participate when life is busy. That feels more inclusive to me, not less. Of course, AI isn’t perfect. It can be wrong. It can misunderstand context. It can produce information that needs to be checked. That’s why I believe in using it responsibly: question it, fact-check it, protect your privacy and ultimately take responsibility for what you choose to publish. That isn’t giving up your intelligence. That’s using your intelligence to use a tool well. AI is here. It’s ubiquitous. And honestly, it has barely begun. We don’t shame calculators because people used to do long division. We don’t shame spreadsheets because people once balanced books by hand. So why are we suddenly treating the use of a new tool as a character flaw? Telling someone to stop using AI because it’s “not real” is about as logical as trading your laptop for a pen and paper, your smartphone for a corded home phone, and your GPS for a paper map. Technology changes. We adapt. And perhaps the most important part of all of this: The people who have reached out privately, with thoughtful messages, encouragement, curiosity and kindness, far outweigh the toxic noise. Those are the people I choose to give my energy to. AI isn’t going away. Neither am I. And I’m not going to spend my time arguing with people who are determined to misunderstand me. I’d rather keep learning, keep questioning, keep investing and keep moving forward. You don’t have to use AI. You don’t have to like AI. But you also don’t get to decide what tools someone else is allowed to use to build their life. And yes…AI helped me write this. 😉 I’m okay with that.read more
As I'm sure many of you know, Blossom added a new AI detector. I wanted to share some of my thoughts on AI and how I use it to help me create my Blossom posts and other content. If you haven't noticed already, the vast majority of my posts are written using AI. If that bothers you, no worries, you don't need to read my content. Here's how I use AI to help me create my posts: When I find a topic in my QAFP studies or have an idea I think is worth sharing, I talk through it into Wispr Flow for a few minutes. It always starts with an idea or an opinion that I have, and then I talk through that opinion or the new concept that I just learned. After that, I usually get an LLM to make my thoughts more understandable and clear while still trying to preserve all of the ideas and opinions that I have. I have no issue using AI this way because the topic, perspective and responsibility are still mine. It helps me turn a few minutes of rambling into something easier to read. I do see an issue with a large number of AI posts on Blossom and other social media platforms. For example, whenever I see em dashes and glaring AI-isms, I automatically discount the content that I read in those posts. The posts I discount are the ones where it feels like the person contributed almost nothing. The repeated phrases and perfectly balanced sentences are easy to spot, but the bigger problem is that the person did not bring a point of view of their own. AI can make a weak idea sound polished without making it worth reading. I am responsible for every claim I publish, whether AI helped arrange the words or not, and that responsibility matters far more to me than a detector score. How do you feel about AI-assisted posts?read more
📈 THE BD INVESTING ANNUAL SUMMIT — OCTOBER 24 ( IN 2 WEEKS) We’re bringing the BD Investing community together LIVE in Toronto for 5 hours of investing education, market discussion, networking, food & more! 📍 Toronto 🗓️ Saturday, October 24 ⏰ 4–9 PM EST | Doors open 3:40 PM 🅿️ FREE Parking 🎤 SPEAKER LINEUP - Panels (fireside chats) Bilaal Dhalech — BD Investing AI Infrastructure • Is AI a Bubble? • BD Portfolio deepdive • 2027 Market Outlook & Predictions • Hot Sector Themes • The Road from $0 → $1M Azia Mery @aziamery & BD Financial Wellness for Beginners • Building Your First Portfolio • ETFs • Investing Do’s & Don’ts Shraddha Shah & Nathalie Valenzula Investing 101 • Dividends • Long-Term Wealth Building • Options trading 101 • Market Psychology & Controlling Emotions Adrian Bar — Canadian in a T-Shirt x BD @canadiantshirt Fireside Chat with BD • Current Investing Landscape • Taxes 🇨🇦 • Market Trends • Personal Investing Journeys • LIVE Q&A 🎟️ YOUR TICKET INCLUDES 🍽️ Free food & beverages 👕 BD Investing T-Shirt 🎁 Exclusive swag (Blossom , BMO , Wealthsimple) 🤝 Networking with investors & the BD community 🔥 FEW TICKETS LEFT — grab yours before we sell out! GET YOUR TICKETS — https://www.eventbrite.ca/e/bd-investing-annual-summit-tickets-1998125442988read 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
Originally published on Blossom on April 13th, 2024 Please find retrospective commentary at the end. The purpose of this series is to convey the decades of knowledge I have obtained from the truly greatest investors of all-TIME (and it’s not limited to the 2nd tier “greatest” ones that get all the press and re-quotes) to demonstrate HOW TO READ AND TIME THE MARKETS with profitable actions to sustain annualized double-digit returns. We do this by developing our toolbox to handle different market conditions using both tools from Fundamental and Technical analysis in combination of watching the activity of the INSIDERS, realizing we can’t beat ALL of them, but we can beat MOST of them and SQUASH our fellow INVESTORS. But we are certain to exclude the 75% of Conventionalist guidance - which is distributed to the masses of retail investors. These are the ones that talk incessantly about DRIP, DCA, dilutive S&P 500 investment vehicles, bonds, and returns on cash holdings, on and on. Makes me nauseous. 🤮 Young investors willing to take the TIME to learn about how to make their savings work for them aren’t a good match for this lazy investor product suite listed above! Always remember, Conventionalist advice is delivered to the general investing public. And most all of the general investing public is relatively poor. Conversely, the wealthy do something different. So why on Earth would we follow the advice that puts us on a path of “Conventional Wisdom”? You know what they all have in common? The same All-TIME returns. Check it out for yourself. Every TIME you see those acronyms and hear those cute sayings in a post (DCA, DRIP, “Buy Low, Sell High”, “Buy when there’s blood on the streets”, etc.), test it out, and click on the author’s all-TIME returns. If it’s ~7% +/- 2.5%, mark it down as “Conventionalist”. It is really amazing how that regurgitated advice plays through into all of their portfolio returns. Anyway, if it isn’t double-digit, annualized returns, then maybe you should look elsewhere. Just know that Wall Street wants you to be a Conventionalist (prey). OK. Got that out. Now, let’s add a new tool as we make more progress on our ability to read and TIME markets. As you know, I am a proponent of knowing where you are in the cycle. There are many cycles in play at any given TIME. Examples include: seasonal, business, product, real estate/banking crisis, super cycles, etc. Different sectors, subsectors, stocks, bonds, ETFs, etc. work best in different phases of any given cycle. There can be overlap, intersection, coincidence, and separation in cycles. Sounds like a lot to keep track of? Not really – because we follow the Wall Street playbook and their subsequent activity to position appropriately. But it’s enough that we can’t tackle in just one post. If you go back and re-read my post, “They are telling us so what are you waiting for?”, you know that I’m positioned for where we are in the real estate/banking crisis cycle. They date back to the early 1800’s when the stock markets got their start. Like clockwork, they start and expire on TIME. The 20-Year Chart is perhaps the most neglected chart of them all. And if you really claim to be a long-term investor, it should be referenced more frequently, if not the most. For companies that have a 20-year history, this chart can give incredible insight in to what we can similarly expect in price movements today at this point in the cycle. Why does this generally work? It requires an understanding of cycle duration and when they begin. We will get to that in this series. But for now, why not pull up the 20-year chart for all of your stocks that have a 20-year history and start thinking about how and why this gives us some insight with the TIMEframes I’ve laid out in previous posts. We’ll explain more in later posts. Try this exercise before we get into that. Note: A quick observation on the markets from the past 2 days. Large price drops in a short period of TIME is an EXTREMELY BULLISH indicator for a long runway for this bull market to run up into 2026, as we expect from the cycle. Expect the dips to be short-lived in these healthy pullbacks. Also, I shared 30 tickers of stocks in KTS #14 that I am currently watching (due to Wall Street’s favored sectors, subsectors) that Wall Street is currently accumulating. One example, $USAS , the wolves came in the last 10 minutes to close above the open for one of the few stocks up on the day. We love to buy these stocks because we know that Wall Street can’t risk NOT accumulating a stock with high conviction. I read and TIME these movements for extreme profits. Retrospective commentary - October 5th 2026 Still one of the most underappreciated charts, even among the best investors! When you think of Beskar Capital, you think of: $USAS – up about +415% since the original publication. $TGB – up about +224% since the original publication. $FTI – up about +183% since the original publication. $HL – up about +192% since the original publication. $TTI – up about +62.5% since the original publication. Look at all their charts. Put yourself in April 2024 and try to see how we were able to zoom out and get in at optimal points in TIME. The KTS series aims to help you recognize cycles and build the tools to identify money flows, accumulation, long-term breakouts, and get in before the conventionalists even know these tickers exist. This has been our credo since the beginning, and now it’s TIME to show the results and acknowledge the value of it all. If you read the KTS #13 re-post, you saw our transaction history on $TGB . You can see how we were able to accumulate with conviction. I compiled the same transaction history for $USAS , $TTI and $HL that were publicly disclosed before opening the website in February 2026. You can find all tables attached to this post. And you can see the links to each trade in the comment section below! 🏆 Open your favorite charting platform and identify our points of accumulation on the charts. Look at the charts and look at the dates when we built our positions. When you zoom out, you can see how effective the KTS tools can be. We witnessed $HL break out to highs not seen since the ’80s, $TGB break out to 35+ year highs, and on and on. If you can’t see how the tools I’ve developed over the past 36+ years can help you outperform the markets and generate amazing double-digit annualized returns… then I guess you can’t be helped at all. Beskar Capital cannot stress this enough: zoom out and recognize that you can learn to identify and profit from these long-term cycles. I always give you my best! 🏆 This is the Way! 🏄🌊 read more
Hey there, it's that time of the month!!!!! 😂. It was $MSTE payday today. MSTE increased its distribution to $0.09/share. I got paid $2,833.19 today. It was reinvested back into more $MSTE shares. Now I have a total of 33,028 shares of $MSTE with an ACB of $7.82. I hope to get to 35,000 shares by the end of this year. Two more paydays to go before the year ends. I am still down on my position-62% but it's a lot better than being down almost 90% a couple of months back. The upward $BTC$MSTR$MSTY🚀momentum did the major uplifting for my portfolio. Let's hope this bull run continues for the foreseeable future and generate some crazy gains. So far $MSTEhas paid me $54,055 in total and all of it has be reinvested tp buy more $MSTE. If you add the distributions then my total returns is around -43%. Still negative lol OMG 🙈 I can't wait to see $0.5/ share or my ideal $1/share distributions in the future and a $30+ share price. That will be some crazy income I hope to make one day, but not today lol😂. I will settle for $0.09/share a for now. All the screenshots are added for transparency and proof. $MSTE is love❤️🙈😎💰😍, my toxic mistress to be exact and my wife is fully aware of my mistress 😂, she approves of her lmfao. That's it for the update, now I have to get back to work. Till we meet again on next pay day, Adios 🫡, stay Blessed, keep hustling. read more
How to accumulate $1 million? Assume you invest $10,000 per year and earn a 7% annual return. Here’s how long each $100k takes: • First $100k → 7.8 years • Next $100k → 5.1 years • Then ——--→ 3.8 years • Then ——-→ 3.0 years • Then ——→ 2.5 years • Then —-→ 2.1 years • Then —→ 1.9 years • Then —→ 1.7 years • Then -→ 1.5 years • Then → 1.4 years It took nearly 8 years to reach your first $100k. It takes about 1.4 years to add the last $100k. Why? Because eventually your money is doing more of the work than you are. Early compounding feels slow. Later compounding feels unstoppable. Most people quit in the slow phase. That’s the mistake. Start early. Stay consistent. Let time do the heavy lifting. $VFV$VOO$VTI$VT$VEQT$XEQT read more
I’ve been looking over my portfolio and this app for a little while and I decided to outright ask. What are the opinions on SoFi and SCHD? I’ve seen a lot of people saying how much they like these two but I’ve seen an equal amount of skeptics on the two. I wanted to hear what people’s thoughts were and why or why not you are putting your money into them? I personally have a small amount of both and am still debating if I want to move more into them at some point.
For context: $ZETA represents 17% of my portfolio at a $16.56 cost basis, up ~100%, and I haven't sold a single share. Tomorrow I'm publishing my complete $ZETA investment case, and here's a preview of what's inside: - Why ROAS sits at the center of the entire pitch - The data moat no competitor can replicate - Athena plus the OpenAI, Palantir, Snowflake, and AWS partnerships - My DCF and bear/base/bull scenarios running to 2031 I think $ZETA emains undervalued at $32.63, and this is a 3-5 year compounder rather than a 3-5 week trade, so stay tuned. It drops on my Substack tomorrow, subscribe so you don't miss it 👇 https://substack.com/@summitcapitalcoread more
$FINN is an interesting choice if you want one ETF focused on innovation, AI, cloud computing, semiconductors, cybersecurity, and digital platforms. But it does not cover everything. It covers one important part of the future: global innovation. 💻What FINN Owns Its largest holdings include: • $AMZN: 10.25% • $NVDA: 10.07% • $MSFT: 8.58% • $AAPL: 5.55% • $GOOGL and $GOOG: about 9.66% combined • $TSM: about 5.36% across listings • $INTC: 2.86% • $SKHY: 2.52% FINN holds about 124 companies, but the top positions still make up a large portion of the portfolio. 💡 Why I Like It FINN gives investors exposure to several major long-term themes in one fund: • Artificial intelligence • Cloud computing • Semiconductor demand • Cybersecurity • Digital commerce • Automation and software Instead of choosing only NVDA, MSFT, or AMZN, you receive exposure to a broader basket of companies shaping technology. ⚠️ The Trade-Off FINN has an MER of approximately 1.09%, which is much higher than broad-market ETFs such as $XEQT, $VEQT, $VFV, or $VTI. It is also concentrated in technology and growth stocks, so it could fall sharply when valuations decline or investors move away from risk. 👀My View FINN could work as: • A focused long-term innovation holding • A satellite position beside a diversified core ETF • An option for investors who believe AI and technology will keep reshaping the economy I would not treat it as a complete portfolio because it does not provide the same broad exposure to financials, energy, bonds, real estate, and other sectors. FINN may cover the future of innovation, but it does not cover the entire future of investing. read more
Macro meets micro over the next 10 days! Markets will be focused on forward guidance and any repricing in rate cut expectations. In the next weeks, Mag 7 earnings season begins 📊 Key variables to watch: forward guidance, cloud growth reacceleration, AI capex intensity, and margin expansion vs. opex discipline. With implied volatility elevated into both catalysts, positioning and risk management matter more than prediction. How are you positioned here? 🤔 Are you continuing to dollar-cost average and staying invested through the events 📈, or are you raising cash and de-risking to redeploy post-volatility? Are you risk-on or risk-off into Fed + Mag 7 earnings? 👇read more
The greeks is a term for multiple measuring factors which can determine and predict the price movement of option premiums which allows you to understand the risk exposure of those options. In simple english - these greeks - and there are 5 we will go over - are there to help us measure how an option premium price will be affected in the future based on different things. DELTA: Delta will be used to determine how much the option price of a particular contract will move - either up or down depending on how the stock price moves. So the stock price goes up? Well, how do we know what the option price will then be? We use delta! Delta is defined as the expected change in an options price relative to $1 movements in the underlying stock price. So again, Delta is going to help us determine how the option price will move for every $1 the stock moves. Delta values you’ll notice will go from 0 to +1 with calls, and 0 to -1 with puts. Thats the number that the premium price will increase or decrease by. GAMMA: So now that we understand Delta - and how the price of the option is affected by Delta we can now understand gamma - because gamma affects delta - and delta affects the price of the option - so through this weird chain of events gamma affects the price of the option. K - Gamma is the rate of change of an options delta relative to a 1 point move of the underlying stock. So just like Delta, when the stock moves up $1, the option price is affected. So lets take an example - we have a stock trading at $10 with an option contract price of $2. The option delta is .5 and the gamma for the option is .1 - Now lets say the $10 stock increases to $11 - a 1 point move in the stock. The gamma of the option, which is .1 will affect the delta of the option which is .5 .1+.5 is .6 - so now the new delta of the option at the $11 price is .6 which in turn will affect the overall price of the option. THETA : One very important thing to understand about options is that all options lose value as they get closer to the expiration date if all other things remain constant. So you buy an option - you’re always fighting time - and that option is losing value every day, every week, every month until at expiration there is only the intrinsic value left of that option. This is due to Theta - or Theta decay. Theta refers to the rate of decline in the value of an option due to the passage of time. Theta is usually expressed as a negative number and that number tells you how much value the option will lose every day until expiration. Now that you know all this you can see how selling options is favorable - because you can sell an option and just let Theta decay do its thing - and as the option price decreases - something it does naturally - you, as the option seller make money. RHO : Rho measures the price change of an option in relation to risk-free interest rates. When speaking of risk-free interest rates we are talking about something like U.S. treasury bills. For example - if an option has a rho of 1.0, then for every 1 percentage-point increase in interest rates, the value of the option will increases by the amount of Rho - which is 1. Remember, Call options generally rise in price as interest rates increase and put options decrease in price as interest rates increase. So, call options have a positive rho, while put options have a negative rho. Alrighty got that out of the way. VEGA - Vega represents the amount that an option contract's price changes based on a 1% change in the implied volatility of the underlying stock. So just like all the other greeks, the option price is affected by something and in vegas case that something is it’s implied volatility. I think you’re getting the hang of this now I can feel it. For every 1% move up or down in implied volatility, the option price will move up or down by the amount of Vega. read more
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
