Since common inception, SDAY leads the U.S. equity income peer group with a +34.18% cumulative total return as of November 13, 2026. It is followed by USCL (+23.95%), HYLD (+21.80%), HHIS (+11.37%), while BIGY (-8.01%) remains negative. SDAY’s lead over the next-closest peer is approximately 10.2 percentage points. Over the last 1 year, SDAY (+30.59%) also leads, ahead of USCL (+17.86%), HYLD (+14.96%), HHIS (+5.74%), while BIGY declined -9.35%. Over 6 months, SDAY remains well ahead at +25.75%, followed by USCL (+9.83%), HHIS (+2.29%), HYLD (+1.54%), and BIGY (-8.16%). Shorter-term performance also favours SDAY: over 3 months, it leads at +10.98%, while over the last 1 month it is the only positive strategy at +10.47%. HHIS (-10.03%), BIGY (-7.09%), HYLD (-5.25%), and USCL (-3.09%) all declined over the month.
Most investing books assume you have a 401(k). These six don't. The Wealthy Barber. David Chilton. The 1989 classic got a full rewrite in 2025 with TFSAs, FHSAs and ETFs added. Still a story about a barber in Sarnia telling you to pay yourself first. Beat the Bank. Larry Bates. Decades inside the investment business, then a book about how much of your return the bank's mutual fund fees quietly keep. Read it before your next branch appointment. Reboot Your Portfolio. Dan Bortolotti. The Canadian Couch Potato guy, nine steps from "what's my goal" to actually placing the ETF trade. The most hands on book here. Millionaire Teacher. Andrew Hallam. A high school English teacher who started out in BC and got to a million on a teacher's pay with index funds. The second edition has a Canada section. The Value of Simple. John Robertson. More manual than book. TFSA vs RRSP, then the actual clicks at three Canadian institutions. Dry, and useful. Stop Over-Thinking Your Money! Preet Banerjee. Five rules and nothing else. His argument is that most personal finance content is noise and you only need a small slice of it. The one I'd flag: Rich Dad Poor Dad, Robert Kiyosaki. Big on mindset, light on anything you can do Monday morning. Read it for the push, not the plan. Pick one, finish it, then open the account. Which one did you start with? Educational, not financial advice. Just my read.read more
$NVDA CFO Colette Kress emerges as a potential interim CEO candidate if Jensen Huang is removed, per Reuters. She has served as Nvidia's CFO since 2013 and played a key role in the company's growth. Let's see what happens tomorrow. I'm waiting for more pullback before buying again. Generational wealth I tell ya! 😁
$NVDA Jensen Huang reportedly had a second affair with Nvidia healthcare VP Kimberly Powell -4% erasing all gains from today after-hours. I mean are we fr 😭
The biggest drawdowns can create opportunity - but only when the underlying business remains strong. I’m checking: • demand • revenue growth • balance sheet • valuation • long-term thesis I’m building gradually instead of trying to perfectly call the bottom. https://www.instagram.com/stockswithpawan/reel/DfvNj0WAave/ NFA. DYOR.read more
Starship came home to the Mechazilla tower after 21+ hours in orbit and 26 Starlink V3 sats deployed. A first-ever ship catch. The booster splashed down in the Gulf, so full reuse waits one more flight. The cost-per-launch math just changed. $SPCX
Alice Huang, who was reportedly linked to former NVIDIA CEO Jensen Huang, has officially been found NOT to be a Chinese spy, according to CNN. 👀 But the bigger question is… 🔙 WILL JENSEN HUANG BE BACK? Could this be another twist in the NVIDIA drama? 🤯 The NVIDIA community is watching closely! 💚 👇 What do you think? 🟢 Buying NVIDIA 🔴 Selling NVIDIA 💎 Holding NVIDIA Let me know in the comments! 👇read more
I know you guys appreciate the in-depth research posts more than anything else I write and tonight I have a JUICY 2 post series for you that will blow your socks off. We will be going on a journey of reflection to sniff out how institutional investors have been behaving with their money since Nov. 2nd until today. All jokes, memes, market news & affairs aside... tonight we're back to serious insights about the lovely market. I've tracked every stock in the S&P 500 and split them up by sector to monitor how the money's been flowing for 8 trading days in November so far across every single stock and sector in the S&P. Let's get started by unpacking how net flows moved over the 8 day period and watch how NET money flows went in & out of the S&P 500. Nov. 2nd: -$73B Nov. 3rd: +$6.2B Nov. 4th: +$162B Nov. 5th: -$580B Nov. 6th: -$75B Nov. 9th: +$335B Nov. 10th: +$21B Nov. 11th: +$297B Nov. 12th: ??? (if the pattern continues it will be a Negative flow day) We've been mere puppets this whole month with the wolves taking us on a rollercoaster ride for 8 days of ups & downs... enough swings to make anyone throw up. On the worst day Nov. 5th only 15% of stocks closed positive and on the best day which was Nov. 9th 84% of all S&P stocks closed positive. But, are all sectors reacting the same on the good and bad days? or are there visible rotations? To answer that I will direct you to the first table in the images below. Watch the sectors Money flows. The heavy concentration of money moving out has been directed towards: $XLE Net Flows = -$80B $XLK Net Flows = -$211B (massive volumes running out) $XLB Net Flows = +$4.2B To show you how rough the Technology sector’s ride was please observe image 2 below showing the cumulative money flow of the period... the sector was left for dead last week and made a COMPLETE recovery to close flat earlier today. That sector had $2.41 Trillion trading across its 76 stocks and netted out +$10B after all that… that’s peak volatility for you, not a smooth sailing anymore for AI. The 3 best performing sectors where money flowed in aggressively: $XLC Net Flows = +$114B $XLY Net Flows = +$76B $XLF Net Flows = +$67.3B All other sectors were mixed performance through the period with $XLV & $XLP showing the most promising trend. Now as you might know Technology as a much higher direct impact on the S&P as it represents almost 40% of the index while Energy with it’s -$80B outflows barely makes a dent as it only represents 3% of the index... Just for perspective. Ok now for the GRAND FINALE... Do you guys want to know the top 20 stocks where money flows ran for the door and top 20 companies that attracted money flows as a safe haven ? Well, I will give you just that and it will be an EPIC list of 40 companies showing you all exactly the winners and losers during the days when the market crashed and when it peaked. But, You’ll have to stay tuned for my next post to see them… I promise you won't wait for too long just have patience for 1 hour and you’ll see the second post…. in the mean time if you enjoyed this work and look forward to the lists show this post some love so more people can see it and benefit. read more
🎤 Had a chance to meet and listen to Dan Ives (one of the most iconic tech analysts on Wall Street) and hear his thoughts on the Nvidia drama, the Anthropic IPO, and where he sees the opportunity in tech!! He called this a “white-knuckle moment” for the tech trade but still thinks we’re in the 1995 internet moment of AI. Here’s my recap 👇 🤖 On Nvidia and Jensen 😬 Called it a “black eye moment” for Jensen and $NVDA. By his read, the market is pricing a 15-20% chance Jensen gets removed as CEO depending on how the congressional scrutiny plays out 📉 If that happens, he thinks the stock drops 25-30%. Jensen is the “central nervous system” of the whole AI ecosystem and Nvidia has no real succession plan ✅ He's still very positive on Nvidia but said the stock is basically trading on one question right now: is Jensen there or not? -- 🚀 Where Dan is bullish ☁️ Hyperscalers: $MSFT , $AMZN and $GOOGL (and even $META) are “more valuable today than they were a week ago”. They already own the compute, so new restrictions on data centers give them more leverage and let them narrow the gap vs Anthropic and OpenAI 💻 Software over semis: thinks we’re entering the “use case phase” where AI finally gets monetized and called out $PLTR , $SNOW , $CRM and $NOW 🛡️ Cybersecurity: $CRWD , $PANW and $ZS ⚡ Energy: “AI doesn’t happen without energy.” We need 4-5x more power than we have today and he thinks nuclear has to be the answer (China has built 23 nuclear facilities in the last few years while a lot of US data centers are stuck waiting for power) -- 😰 Where Dan is bearish ☁️ Neoclouds: “a game of musical chairs, some left without a chair.” With rates and credit spreads where they are it’s hard for $CRWV to raise capital. He sees $NBIS as the best positioned, but called the group a headwind, not a buying opportunity 💸 Debt-heavy AI plays: used $ORCL as the “poster child”... take on that much debt and it’s hard for the stock to work 🏛️ Politics: his #1 worry for tech isn’t valuations, it’s the political environment and the anti-data-center push since the election. “Every data center that gets voted down, China ultimately wins” -- 🧠 On the Anthropic IPO 💰 Thinks ~$1T is the right valuation to go out at (more “digestible” than $1.4-1.5T) and that a successful IPO matters more than stretching it 🔮 Long term he thinks they can get to $500-700B in annual revenue, but warned newly public companies take years to build out and any speed bump gets punished... pointed at $SPCX as the example 👀 Curious what you guys think!! P.S. shout our Direxion ETFs for inviting me to this event! Tagging a few of their ETFs as a thank you - feel free to check them out 😎 read 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
"Buy the dip!" That drum is beat soooo often on social media. Sounds simple enough. The market drops half a percent or even a percent or even more, you buy more, and eventually the market recovers. EASY right? There's one little problem though. You actually have to know WHEN to buy. Look at the chart I'm sharing. The market experiences declines of 1% or more VERY often. These aren't extraordinary events. They're part of normal market behaviour. Yet every time they happen, investors start talking about buying opportunities, waiting for a bigger correction or keeping cash on the sidelines until the market drops further. But is buying the dip actually a better strategy than staying invested? A 2024 study published in the European Financial Management journal by Stefano Bonini and two other academics examined exactly this question. Their research compared holding cash and waiting for market declines against investing in a stock market ETF... so it was pretty relatable for the average DIYer. What did they find??? Buying the dip does NOT necessarily maximize your real ending wealth. The results are HIGHLY SENSITIVE to market conditions when you begin investing. Something else to note, under certain conditions, buying the dip can improve risk adjusted performance compared with passive investing or traditional dollar cost averaging. BUT there's a MASSIVE catch..... the strategy is subject to estimation risk. In other words, you have to make assumptions about when the market offers an attractive buying opportunity and getting those assumptions WRONG can undermine the strategy. This is why I don't actively "buy the dip" or suggest other too. I don't want to sit on cash waiting for a correction that may take months or years to arrive. And I don't want to turn investing into a guessing game where I have to decide whether a 1, 2, 3, 4, 5% decline is enough, whether I should wait for 10% or whether the next 20% drop is just around the corner. My strategy is to stay invested, maintain my asset allocation, and rebalance when necessary. Does that mean you shouldn't invest when the market is down???? Absolutely not!!!! If you have new money to invest, a market decline doesn't need to scare you away. There's a difference between investing consistently when markets are down and holding cash specifically because you're trying to time the next dip. In my October Portfolio update, I share what I did during the tech sell off and what saved my portfolio. If you don't know my investment style, you'll be surprised what did! https://youtu.be/H5JMG8Z_okg What about you? Do you actively buy the dip or do you prefer staying invested and letting the market do its thing? read more
Although booster catch was unsuccessful, $SPCX has successfully re-written history and engineering books catching second stage of a rocket mid-air for the first timer EVER. This marks the first ever fully reusable launch vehicle. Going to space is about to get just as cheap as flying ✈️ it’s now only a matter of fuel and maintenance. The vehicle deployed 26 Starlink V3 into orbit last night, V3 Starlink have about 100x the bandwidth of the V2 mini.
right now is the easiest time to be bearish on $BTC if you agree with the crowd, you will likely mitigate your losses, but you will also likely not outperform them long-term over the past two months, we've seen "rare buy signals" and bulls resurface everywhere. we are about to see bears re-enter & scare the market again most market news focuses on short-term (<10 year outlook) price action triple-a estimates that only 13.7% of americans own cryptocurrency i can count the number of people i personally know who truly understand how powerful decentralized ledger and blockchain tech is and can become on one hand most other people think it's "risky" or a scam the long-term truth is the greatest risk and largest scam of the american financial situation is the means of exchanging value we exchange value with paper that our monetary system can print, regulate, & control we have a solution, and it's still being ignored after 18 years. there is a reason why 35%+ of my portfolio is in a single asset i'll take any long-term bearish bet any day. game onread more
I feel like if you haven’t invested in AI the time is now. You will most certainly see a return in your future. If you’ve ever been curious about investing in AI but didn’t know when the right time was, I think now maybe the time. I’m team full recovery. ❤️🩹🩺
So, we've been talking about doing these Smith Manoeuvre conversations more regularly, where Kyle (@kgcottawa) and I get together, review our SM portfolio, share how we are investing in it and how we document the steps for tax time, talk about lessons we've learned, and answer questions from other investors. There was just one small problem... we hadn't figured out what to call this series!!! Well, not anymore! Welcome to " The Smith Manoeuvre Unlocked" series with Kyle and Moe! We had two of these episodes before (albeit without a formal series name), so technically this is our episode 3! This time we're answering questions from the Blossom community. But first, we kick things off with an update on our own portfolios and how things are looking after the recent market movements. I share my re-advanceable mortgage renewal at 3-year fixed with a rate of 4.49% (I mistakenly mentioned 4.69% while recording oops!), my latest Smith Manoeuvre portfolio update which is sitting at approximately $246,000, against around $147,000 in total borrowing. Kyle also walks through his portfolio, now approaching $197,000, with net deposits of approximately $165,000. We discuss the growth we've experienced, the cost of borrowing, and why it's important to look beyond the headline portfolio gains when evaluating a leveraged investing strategy. One of the questions we explore is how much available HELOC room you should leave unused. Kyle prefers maintaining a larger buffer, while I've historically run my HELOC much closer to its limit. We discuss what changed my thinking, why having access to available credit can matter, and how your personal circumstances and risk tolerance should influence the amount you borrow. We also talk about the pros and cons of capitalizing HELOC interest, how quickly interest can compound, what happens when you become uncomfortable with the debt, and whether certain investments actually qualify for the strategy from a tax perspective. We also discuss why keeping a clean paper trail, understanding the CRA requirements, and getting professional advice are so important. Another interesting part of our conversation is whether the Smith Manoeuvre makes sense for everyone. We talk about people who don't yet have enough home equity, those who are uncomfortable with debt, and whether someone approaching retirement should even consider implementing the strategy. Kyle also shares how he approached the conversation with his wife, why having your spouse on board matters, and how he thinks about the risks of leveraged investing as a father of three. This is exactly what we want "The Smith Manoeuvre Unlocked" to be about: sharing our actual experiences, discussing the mechanics, learning from each other, and answering questions from investors who are either considering the strategy or already implementing it. We're not claiming to have all the answers, but hopefully our experiences can help you think through some of the important considerations. 💬 Question for you: What's the biggest thing holding you back from implementing the Smith Manoeuvre: fear of making a mistake, being uncomfortable with debt, not having enough home equity, or something else? Head over to Kyle's poll on Blossom and share you response there. A huge thank you to @canadianinvestor , @timeagent , @reachjay for your interactions on Kyle's post and excellent questions which we covered in the episode. ⚠️ Disclaimer: This video is for educational and entertainment purposes only and reflects our personal experiences and opinions. It is not financial, investment, mortgage, or tax advice. Leveraged investing involves significant risks and can magnify losses. The tax treatment of borrowed money depends on the specific circumstances and applicable CRA rules. Consider consulting qualified professionals before implementing the Smith Manoeuvre. https://www.youtube.com/watch?v=Cts47gJm-XIread more
📊 Nvidia kept dragging but the week still closed green. The Nasdaq fell 0.91% to 25,136.27, the S&P 500 slid 0.4%, the Dow added 0.1% and Canada’s S&P/TSX Composite finished flat at 0.09% lower. All three U.S. averages had their best week since early August. 🤖 Nvidia ($NVDA) fell another 2% after HSBC downgraded it to hold and slashed its target to $170 from $365. Analyst Frank Lee said uncertainty will persist until the board names a permanent CEO and that person proves they can execute. 🍎 Apple ($AAPL) rose 0.39% to $356.27 after touching an intraday record of $360.80, lifting its market value above $5.2 trillion. Bernstein calls it a safe haven precisely because it skipped the AI infrastructure arms race. 🔌 Cisco ($CSCO) slid 6% a day after beating on fiscal first quarter results and raising guidance. Barclays flagged hyperscaler AI orders down meaningfully quarter over quarter, and Goldman called it an orders miss. 🏗️ Stantec ($STN) surged 13.79% to $122.20 to lead the TSX. Celestica went the other way, falling 5.42% to $342.32 as Canadian tech sold off. ₿ Bitcoin dropped below $70,000 for the first time since August, hitting $67,632 as the dollar index reached its highest since April 2025. More than $1 billion in leveraged positions were liquidated this week. October PPI rose 0.3% against 0.4% expected, though the annual rate hit 6.5%, the biggest since November 2022. 👨🏻💻 Researched and written daily by @tim_emino read more
@canadiantshirt joins BD & Shay to break down the alleged Chinese honeypot, Nvidia's chip deals with China, the midterm "blue tsunami," and what the Strait of Hormuz crisis means for your portfolio. Adrian, a former AI engineer turned finance YouTuber, goes off-script like never before: whether Nvidia can survive without Jensen, why AMD ripped while Nvidia fell 10%, whether AI regulation could pop the AI bubble, and why Canadian investors with a home bias are making a big mistake. Plus, a rapid fire round that gets heated. https://youtu.be/onDjB8KQhBo?si=QIx8-GD-mBv_Bdd_
What if, Elon Musk recruited Jensen Huang and made him CTO (Chief Technology Officer) at $SPCX? Let Jensen be in charge of Elon's chip factory, Terafab. Musk wants it to be the largest ever built, one terawatt of compute per year, from design to packaging under one roof. Terafab's challenge is to do in a few years what the industry took decades to build. There's only one man on Earth who knows every layer of that stack. Does it sound too far-fetched?
What’s the most important thing you look for when researching a stock and finding a winner? What are the things that a stock must have in order for you to own it? Let me know below, i’m super curious!
Today BMO launched something NEW! The BMO MSCI All Country World Index ETF (ZALL) brings developed and emerging markets together in one simple portfolio, including Canada. So what does that actually mean? Well, now investors can own the world in one global equity ETF. ZALL is the first Canadian-listed ETF designed to track the MSCI ACWI Index, giving investors exposure to Canada alongside developed and emerging markets. Canada currently represents about 3% of the portfolio, with the rest invested across global markets. And because the portfolio reflects each market’s relative size, those weights naturally evolve as global markets change over time. For Canadian investors, that means broad global diversification, without the traditional home-country bias, all in one portfolio. A few quick tidbits: 🔹️47 markets across 23 developed and 24 emerging markets 🔹️Approximately 2,500 large- and mid-cap companies 🔹️Exposure to approximately 85% of the global investable equity opportunity set 🔹️The first Canadian-listed ETF designed to track the MSCI ACWI Index, which includes Canada 🔹️0.18% management fee Will you consider adding ZALL to your portfolio as an alternative to typical all equity ETFs, to avoid home country bias? Learn more: https://bmogam.com/ca-en/products/exchange-traded-fund/bmo-msci-all-country-world-index-etf-zall/read more
📊 Jensen Huang's exit rattled the AI trade. The Nasdaq fell 0.39% to 25,366.09, the S&P 500 dropped 0.35%, the Dow lost 0.36% and Canada's S&P/TSX Composite slid 0.75%. 🤖 Nvidia ($NVDA) fell 4.34% to $166.19 and touched a 52-week low after Huang resigned as CEO and board member, with CFO Colette Kress named interim chief. The stock was down more than 10% at one point and traded 373 million shares against a 30-day average of 144.4 million. It's off 20% in November. 🔲 Rivals caught the rotation. Advanced Micro Devices ($AMD) and Broadcom ($AVGO) each gained more than 5%, while Alphabet ($GOOGL) rose nearly 2%. 🍎 Apple ($AAPL) touched a fresh intraday high of $359.37, its second in a row this week, before closing down 0.14% at $354.88. ⛏️ Canadian materials fell 3.2% on lower gold, driving the TSX decline. Suncor ($SU) and Enbridge ($ENB) held up with small gains, and the loonie slipped to 70.15 cents US. 🏠 Existing home sales fell 5.5% in October to an annualized 3.75 million, the lowest since August 2010. NAR's Lawrence Yun blamed mortgage rates at their highest since 2000, outside one month in 2023. Oil rose too, with WTI up 2.55% to $88.74 after Trump said the U.S. doesn't need a deal with Iran. 👨🏻💻 Researched and written daily by @timeminoread more
What do I do when the stock market drops and my TFSA portfolio takes a hit? This is a transparent look at my $322,250 TFSA portfolio after a volatile October, when global markets took a beating and the Nasdaq 100 briefly entered correction territory.... we all know November has continued the trend... For those of you interested in seeing a real life example of what all in one ETF's do during a market pull back, one mcap and one using 4 single factors, see how $XEQT faired compared to $FEQT in the sharp pull back at the end of the month. That trend is continuing into November.... Also, I'm looking for a good emerg market multifactor ETF in Cad.... just to complicate my portfolio a little more 🙃 Let me know what you use please! https://youtu.be/H5JMG8Z_okg
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
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
