I think one of the biggest mistakes investors make is assuming a stock must be cheap just because it has fallen. A stock can drop 40% and still be expensive. It can also rise 50% and remain undervalued if the business and earnings expectations are improving even faster. That is why I try to look beyond the chart. With companies like $SOFI, $NOW, $ZETA, and $AMZN , I care less about where the stock traded six months ago and more about whether the business is becoming more valuable today. Are revenues growing? Are margins improving? Is the competitive position getting stronger? Price movement creates attention. Business progress creates long-term returns.
Since so many people ask how to invest in this sector, or this country, or this asset, I’ve decided to make a comprehensive guide on how you can invest in specific areas. This is NOT portfolio advice, simply information about tickers that you can research yourself. Save this for later so you have a list of ETFs to come back to! Canada: $XIU$XIC$ZCN All expose you to the TSX in Canada. These ETFs consist of all top Canadian companies and access to our national stock exchange. $VCB$VGV$VLB$VAB$VSB$VSC$XBB$XCB Expose you to Canadian bonds; whether it be long-term, short-term, corporate, government, etc. $VDY$XEI$CDZ Expose you to Canadian dividend companies $XRE$ZRE$VRE Give access to Canadian REITs $ZEB$XFN$RBNK Lets you buy the Canadian banks USA: $VFV$ZSP$XSP$XUS$HXS Lets you buy the S&P 500 (learn about hedged vs. unhedged in my other post) $XQQ$HXQ$ZQQ All give you access to the NASDAQ 100 $IWR$VO$VOE$VOT$IJH$SCHM Lets you buy US Midcaps $IJR$IWM$VB$VBR$VBK$SCHA Lets you buy US Smallcaps $DIV$SPYD$RDIV$DHS$VIG$SCHD$VYM$DGRO$SDY Give access from small to high dividend US companies $VTI$ITOT Lets you buy the whole US market $TLT$IEF$VGIT$GOVT$SHY$VGLT Give access to US bonds $XLC$XLY$XLP$XLE$XLF$XLV$XLI$XLB$XLRE$XLK$XLU All give you access to each sector in the S&P such as financials, energy, healthcare, etc. International: $XEQT$FEQT$VEQT$ZEQT Give you an all-in-one exposure to Canada, US, emerging and global markets. $VEA$IEFA$SCHF$SPDW$EFV$EFA Give access to general international exposure $EWJ$EWU$EWC Gives direct access to developed international countries $INDA$MCHI$EWT$EWY$EWZ$EWW$EIDO$EWM Gives direct access to emerging international countries Assets: $KILO$PHYS$CGL Let’s you buy gold directly through ETFs $SVR$HUZ Let you buy silver through ETFs Savings/Interest: $CASH$HISA$PSA$HSAV Access to Canadian savings and interest payments $HSUV-U $PSU-U $HISU-U Access to US savings and interest payments There’s so many ETFs I didn’t go into with dozens of categories, but this should give you some basic starting point to look into your ETF investments. This is simply the starting point, when choosing your investments always research the ETFs, what they provide to you, their fees, your goals, your risk, and what you’re looking to get out of investing. As always do your research and happy investing! Subscribe to the newsletter: relatablefinance.substack.com
2027 MORTGAGE RATE FORECAST HAS BEEN RELEASED- If you're waiting for mortgage rates to crash before you buy a house, you might be waiting a while. Major experts like Fannie Mae and the Mortgage Bankers Association predict rates will hover between 6.3% and 6.5% all through 2027 "Borrowing costs are staying relatively high. Waiting it out might not save you as much money as you think. Your purchasing power will still depend heavily on home prices and your personal savings"
Hey space stock holders!! Next week, on July 15 at 1 p.m. ET, I’m joining @maxstocks and Global X for an AMA live on YouTube! We’ll be discussing SpaceX ($SPCX), satellite communications, defense and space technology, public vs. private space companies, and the opportunities and risks investors should be watching. $ORBX Ask us anything here: https://www.youtube.com/@globalxca
Tomorrow at 1 pm EST, I’ll be live with @maxstocks and Global X for a conversation on: • SpaceX • Satellite communications • Defence and space technology • Public vs. private space companies • The evolving space economy • Opportunities and risks investors should be watching And more! https://www.youtube.com/live/svndD8PvyEg
I recorded my highest dividend/distribution month this June, $2400. This again through a series of ETFs, CCETFs, and stocks. It's definitely nice to see the cash hitting the account, but I have sold most of my CCETFS. I don't currently need the cash payout and will adjust it to index ETFs. Also taking a large portion to purchase a home and restart that Smith Manoeuvre. Follow along for the third iteration of the Smith Manoeuvre and for more dividend updates.
Corporate stock buybacks are one of the many ways that businesses use financial engineering to manipulate stock price. The hard truth is that those boosted per share metrics come at a major cost. When a company initiates a corporate buyback that isn’t free money, they are spending leftover cash to buy back those shares. Although your share of the company’s earnings or cash flow is higher your share now comes with less liquid assets(like cash). What truly matters when analyzing a buyback is whether the stock was trading above, at, or below its intrinsic value. This is because if a stock is truly trading below, its intrinsic value  then the negative toll on the company’s cash is disproportionately lower than the boost that comes from the higher per share metrics(earnings, fcf, etc). The obverse holds true for when a company is buying back shares trading above their intrinsic value as the negative toll on the companies cash is disproportionately higher than the boost in per share metrics it creates. Let’s use a real world example here: Note: for this example, we will be using an intrinsic value of $115 per share for Zoetis (this utilizes baseline calculations for future cash flows, and is slightly conservative compared to Wall Street estimates). In quarter one, Zoetis spent roughly 606 million buying back shares at a price of $126 .25 per share. That $11.25 gap between intrinsic value and the share price is value destroyed for shareholders. Doing the math that 606 million destroyed around 54 million in shareholder value (or roughly $.13 per share). Zoetis plans to spend another 1.8 billion on buybacks this year. They have not yet stated a price, but if we assume that they spend 1 billion buying back shares at $75 per share than that $40 gap between intrinsic value and the share price is value created for shareholders. Doing the math that 1 billion would equate to roughly 533 million in value created for shareholders (or roughly $1.27 per share). Don’t let buybacks and per share metrics fool you. The added growth it provides you is but a Miage that comes out of your cash.
The semiconductor correction is officially here—but the AI trade isn’t dead. Capital isn't leaving the ecosystem; it's simply rotating. While chip valuations get a reality check, the massive tech giants (hyperscalers) buying those chips are sitting on absolute goldmines of cash flow. In my latest video, I break down: • Why the semi sell-off is a healthy flush, not a funeral 📉 • The exact hyperscaler stocks absorbing this massive rotation 🔄 • My long-term plan for capturing the cloud infrastructure boom ☁️ https://www.youtube.com/watch?v=_f484T93IVE
