https://wccftech.com/tsmc-holding-1-billion-apple-a20-pro-dram-delay/ "Apple can always rely on TSMC to fulfill its orders for millions of chipsets, but this year could tell a very different tale. However, the worldβs largest semiconductor manufacturer isnβt at fault, as a previous report has stated that TSMC is sitting on $1 billion worth of A20 Pro units, but they canβt move to the next step unless sufficient DRAM supply arrives." $AAPL $TSM $DRAM
I've gotten many messages over the past few months from people asking to look at their porfolio. Usually when I see a portfolio I see many individual stocks making up a large % of a porflio, my first response is always to buy low cost index funds. I dont want to come off harsh but I feel the definition of investor arrogance is believing you're smarter than the market. Believing you can consistently pick winning stocks while outperforming millions of other investors including professionals with teams of analysts and access to far more information than you. The data says otherwise. β’ Around 80β90% of actively managed U.S. equity funds underperform the S&P 500 over a 15-year period. β’ These funds are run by professionals with teams of analysts, company access, and institutional research, yet most still fail to outperform a simple index fund. One thing you'll notice on social media: people love posting their biggest stock winners. Far fewer people post the stocks they lost 50%, 80%, or even 100% on. There's a reason why mutual funds and actively managed funds have historically underperformed against index funds..because even well paid fund managers with their teams cant beat the market overtime. For the record, I still own some individual stocks. My portfolio is roughly 93% ETFs and 7% individual stocks. I enjoy researching companies, but I also recognize the odds are stacked against consistently beating the market. That's why the foundation of my portfolio is broad-market ETFs not stock picks.read more
π Long-Term Investing: The Power of Thorough Analysis When it comes to long-term investing, understanding the fundamentals of a stock is crucial. Itβs not just about jumping on trends; itβs about making informed decisions based on solid data. This chart breaks down the essential financial statementsβBalance Sheet, Income Statement, and Cash Flow Statementβthat every investor should analyze before committing to a stock. π Balance Sheet: This tells you about the companyβs financial health, specifically its assets, liabilities, and equity. A healthy balance sheet is a sign of stability and resilience. πΈ Income Statement: This shows the companyβs profitability by detailing revenue, expenses, and profits. A strong income statement indicates a company thatβs generating profits, a key factor for long-term growth. π° 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 isnβt about timing the market; itβs about time in the market, supported by thorough analysis. $VGT$TXN$QQQ$AAPL$META #InvestSmart #LongTermInvesting #FinancialLiteracy #StockMarketAnalysisread more
3 reasons why I bought $UBER yesterday despite its earnings selloff. (Simplified) 1: 24% growth in Gross Bookings to $58B. 2: Record Free Cash Flow of over $2B meaning that the company has an extra 2 billion $ after paying off operating expenses, this is extra cash they can use to make improvements or pay debts which in turn will make the company more economically efficient. 3: Core operating profit grew 33% to nearly $2.5BοΏΌ, which essentially means that the company is getting a lot cheaper to run. Itβs important to see the difference between a company getting weaker and a stock getting cheaper. When short term fear creates a disconnect between price and fundamentals, thatβs where I usually like to position myself. πread more
I'm the guy who did what you're not supposed to do: Several years ago, I was a space nerd and I had full conviction in a tiny, $2B market cap company: $RKLB I actually invested around the time of the IPO, building a modest position when the price was hovering between $10 and $15. Then, the speculative covid bubble burst, and the price plummeted to around $4 for a very long time. Being down 60%, I didn't panic sell. In fact, I doubled & tripled down several times. My final position was 5,500 shares at a cost basis of $5.95 USD. At the time, this was half my contribution room in my TFSA, which worked out to ~$42k CAD. There are many stories where a huge bet like this doesn't pan out, but in my case it succeeded tremendously. At RKLB's peak price, my TFSA was valued at $1.1M... as it stands now, my port is worth just under $800k as of this post. Dealing with both a hypervolatile portfolio and hectic life circumstances have numbed me to the day to day fluctuations of the market. At least, that has been my personal experience. I have had days where my portfolio is up almost $200k and days where I was down over $100k. These single-day fluctuations are greater than my annual salary at my day job. Crazy to think about, but I have been able to maintain a mental disconnect between the numbers on the screen and my day to day emotions. Have I trimmed? Yes. I sold 500 shares when RKLB was around $130. This doubled my initial investment and I only gave up 9% of my total position. I know the wise thing to do is to de-risk further, but RKLB is still my biggest conviction play and I am willing to let it ride as I don't need the money right now. If you want my future long-term picks, those would be $GRAB and $KLAR . The proceeds of my 500 share RKLB trim primarily went into these two stocks. Yes... I am still trying to beat the market. Stock picking generally doesn't work out in the long run, but I am having fun and I am confident in my theses for these two companies. I'll make another post in the future regarding my reasoning, so please follow if you find this stuff interesting or if you want to laugh at me if I lose it all. π read more
I started my Portfolio Line of Credit borrowing to invest through Wealthsimple on July 27, 2026. It would be with the intention of gradually borrowing more up to a maximum of $100K, to invest for at least 8-10 years unless something materially different happens which justifies ending the account earlier. So far, I have borrowed $25K and everything is invested in $XEQT. The borrowing rate is prime minus 0.50%, whixh is equal to 3.95% at the time of this post. My first interest charges deducted for borrowing from PLOC was $8.66 which is just added to my PLOC balance. I do not plan to pay back thr interest as the interest charged on the amount borrowed to invest could also be tax deductible. Please note this PLOC borrowing to invest is separate from my Smith Manoeuvre portfolio. Also note borrowing to invest can be risky so please do your own dilligence and assess your own risk tolerance before implementing something similar. Anyone else who has a Portfolio Line lf Credit? What do you tend to invest in?
Wealthsimple has a feature called βPortfolio Pulseβwhereby you can be that proverbial βfly on the wallβ and look into the private portfolios published anonymously. I found this to be a very interesting exercise. I reviewed the top 100 portfolios but examined in detail the top 10. #1 is $49,148,421.83 #2 thru 10 range between $15,147,052.02 to $8,767,708.57 As more investors elect to publish their portfolios the more we will get to see, but after looking at the top 100, there is a repeatable common portfolio structure to all of them and I developed a quick method to examining them into categories. This method you can actually use to examine Blossom portfolios. This is regardless of account type like 401K, RRSP etc. and more about being able to understand the portfolio as a βwholeβ and how it is βconstructedβ. So letβs start. Core β Satellites β Concentration (Risk Character). 1) Core = the βengineβ Ask: Whatβs the #1 holding (or top 2β3 combined)? This tells you what the portfolio is really about and the investor. Common cores: - Broad index core (US/global equity ETFs) - Factor core (quality / low-vol / dividend-tilt style ETFs) - Theme core (tech/semis/innovation basket) - Single-name core (one stock dominates) If you can identify the core in less than 10 seconds, youβre already ahead in portfolio diagnosis. --- 2) Satellites = what itβs βtuningβ Satellites are the positions that sit next to the core and change the risk/return personality. Typical satellite buckets: - Growth / Theme tilts (tech, semis, AI, platforms) - Income / defensive tilts (dividend ETFs, more defensive-style exposures) - Real assets / REIT sleeve - Currency/cash proxy (large USD or CAD allocation acting like βliquidity biasβ) - Additional factor overlays (value, momentum, small-cap, etc.) Key intuition: Satellites usually explain the βwhy,β while the core explains the βwhat.β --- 3) Concentration = the βhow risky is this?β reality check Donβt overthink itβjust eyeball concentration: - Diversified: no single position dominates; many meaningful holdings - Moderately concentrated: top holdings matter, but itβs not βone betβ - Highly concentrated: one name (or one theme) is doing most of the work This matters because two portfolios can both be βgrowth,β but one is *one big bet* and the other is *a diversified growth tilt.* --- The 6 portfolio types this creates (simple labels) Once youβve identified Core + Satellites + Concentration, you can usually label the portfolio quickly: 1) Index + Tilt - Broad equity core + a few purposeful overlays. 2) ETF Ladder / Multi-Core - Multiple big ETFs spanning regions/styles (often US + Canada + international + value/RE). 3) Theme Basket - A theme is the core and dominates the holding list. 4) Single-Name Conviction - One stock is the core; the rest are supporting actors. 5) Income / Defensive Overlay - Dividend/income/defensive exposures are prominent, even if equity-heavy. 6) Core All-Equity (near-passive) - Mostly one or two broad all-equity ETFs, with minimal satellites. --- A quick 30-second βportfolio readβ checklist When you open holdings: 1. Circle the core: Whatβs #1 (and #2/#3 if close)? 2. Label satellites: Are the other big lines income/defensive, theme, real assets, or currency? 3. Check concentration: Is it diversified, moderate, or dominated by one bet? If you do this consistently, you will start to be able to see the patterns, the portfolios will stop looking like a bunch of tickers, and you start to see them by their architecture, structure, core, shell, diversification, allocation, and risk and then you will see by the daily and annual returns how these portfolios performed against the macroeconomic and market conditions and WHY. Only then can you call yourself an investor, when you can examine a portfolio and determine its structure, risk and the alignment of its return against the current economic and market backdrop.read more
There has been a lot of talk about Wealthsimpleβs new Portfolio Line of Credit and using it instead of a regular margin account. I even saw a post from someone saying they didnβt like margin because they felt it encouraged speculation and day trading, but they liked the Portfolio Line of Credit. The thing is, they are both forms of margin lending. Both allow you to borrow against your investments. Both charge variable interest. Both use your investments as collateral, and both can eventually result in restrictions or forced selling if the value of your portfolio falls too far. Wealthsimple even says this directly in its FAQ: βYour portfolio line of credit is a margin loan, but with a more conservative limit.β What I found more interesting was their explanation for why they consider the PLOC less risky. Wealthsimple says people typically use the Portfolio Line of Credit to withdraw cash for everyday needs rather than using the borrowed money to buy more investments, so investment losses are not magnified by additional leverage. The biggest difference between the PLOC and a regular margin account is how much Wealthsimple allows you to borrow. With the Portfolio Line of Credit, Wealthsimple allows you to borrow up to 35% of the value of your eligible collateral. Think of this as guardrails. Wealthsimple is intentionally limiting how much leverage you can take. With a regular margin account, borrowing power depends on the margin requirements of the investments you own. For example, an investment with a 30% margin requirement can support borrowing of up to roughly 70% of its value. This is where I think the difference between the two products becomes interesting. The PLOC gives you behavioural guardrails. It stops you from borrowing too much in the first place. A regular margin account gives you much more room, but it is up to you not to use that room. Let's use a simple example. Two investors each start with $100,000. Investor one uses the Portfolio Line of Credit. Investor two uses a regular margin account. Both borrow exactly $30,000 and invest the money, giving each investor $130,000 invested with $30,000 of debt. Both investors are now at roughly the same loan-to-value: $30,000 Γ· $130,000 = 23.1% LTV So at this point, there really isn't much difference. They both have $130,000 invested, they both owe $30,000, and they both have $100,000 of equity. For this example, we are assuming the investments used as PLOC collateral remain eligible for the full 35% borrowing limit and the investments in the regular margin account maintain a 30% margin requirement. Now let's crash the market and assume both portfolios fall 36%. The $130,000 portfolio is now worth roughly $83,200. The debt didn't fall with the market. Both investors still owe $30,000. That means the loan now represents about: $30,000 Γ· $83,200 = 36.1% LTV This is where the two accounts start behaving very differently. The Portfolio Line of Credit has now moved slightly beyond its 35% borrowing limit. The investor would need to bring the account back within Wealthsimple's requirements. This does not mean the investor is automatically liquidated. It means they need to repay enough of the loan or add enough collateral to bring the account back within the limit. The regular margin account holding investments with a 30% margin requirement is in a very different position. The portfolio is worth $83,200 and the investor owes $30,000, leaving $53,200 of equity. At a 30% margin requirement, the account only needs about $24,960 of equity to support that portfolio. The investor therefore still has roughly $28,000 of excess margin room. Same $100,000 starting capital, same $30,000 borrowed, invested into the same investments, and both suffering the exact same 36% market crash. But one investor is already running into the borrowing limit while the other still has a significant amount of room before reaching a margin call. This does NOT mean a regular margin account is automatically safer. In fact, the exact thing that gives the regular margin account more room is also what can make it much more dangerous. The regular margin account will allow you to borrow considerably more money. If the investor looks at all that available buying power and actually uses it, that safety buffer disappears very quickly. This is why I think the biggest advantage of the Portfolio Line of Credit is behavioural. It protects the investor from themselves. The PLOC puts a limit on how much leverage you can take. A regular margin account gives you much more flexibility but requires you to create your own limits and actually stick to them. So I wouldn't really describe the PLOC as safer than margin. I would describe it as margin with guardrails. The PLOC can be safer from the investor because it limits how much leverage they can take. A conservatively used regular margin account can potentially be safer from the market because, if you borrow the same small amount and leave all of that additional borrowing capacity untouched, you have considerably more room to absorb a major market decline. The important part is the phrase leave it untouched. If you are a disciplined investor, oftentimes a regular margin account can be the better option because it gives you more flexibility and a larger buffer if you choose not to use all of the available borrowing room. If you are new to investing, prone to rushing into things, have extreme FOMO, or know that seeing a large amount of available buying power would tempt you to use it, then the PLOC might be the better option because the guardrails are already built in. Though, if you are already thinking you need guardrails to stop yourself from overusing leverage, it might also be worth asking whether margin investing is something you should be getting into at all. But that is probably a different conversation altogether. read more
π₯ On Saturday over 2,000 Blossomers came out from all across Canada for an incredible day of learning and connection! I was shocked to see close to 1/3 of folks travelled from outside of Toronto to join us, huge thanks to everyone who made the trip! β‘οΈ The energy during the day was absolutely buzzing and it was so awesome to meet so many members of the Blossom community! Special shout out to Blossom's Creator of the Year @jacobb and Blossom's Rising Star @nettspend who won our community-nominated Blossom awards π π± Blossom has grown from an idea, to an app, to a movement and BlossomCon is the biggest testament to that. To see 2,000 folks from all different walks of life take time out of their weekend to connect, learn, and build financial literacy together is exactly what Blossom is all about and I am so fired up to keep building for this amazing community π π Can't wait for BlossomCon Vancouver and New York!!! (https://www.blossomsocial.com/blossomcon2026) π Special shout out to the Harvest ETFs team for being our Headline sponsor for the 3rd year in a row and to all our amazing sponsors for making this event possible π
The AI Memory Sector is still intact and we see the big names, like $MU, $STX, $WDC, $SNDK, and $SKHY reporting and beating earnings estimates, as well as showing strong balance sheets and free cash flow. Micron, for instance, has $26 billion in cash and equivalents as of its most recent earnings report. $26 billion! I've said it once, and I'll say it again: AI memory demand is not going anywhere anytime soon. It is going to accelerate as the world makes use of AI agents. I am glad to see the sector dip, and I plan on buying more $DRAM tomorrow.
What do you all think? Anything youβd change or add? Currently focusing on $META, $MA, & $SPYM. Roth = SPYM, QQQM, & SCHD Brokerage = SPYM, META, AMZN, ZETA, SOFI, & MA Currently like $CELH as a potential add, especially with the major dip, but Iβm really trying to focus on ETFs first.. thoughts?
recently pass this milestone and very happy about it. Worked hard to get it there and I do not give up to move towards FIRE π₯ ! I setted up a investment plan a few years ago, I followed it carefully, I've been opportunist along the way but honestly, I just stayed Invested in the market and in the Journey ! Never gave up ! Thanks to many of you and some Finfluancers that gave ideas, opinions, tricks and most important : the passion of investing π Growth investors , income or hybride it doesn't matter, as long as we love what we are doing! Making money in the last past 3 - 4 years was almost easy.. I'm not a genius and far away of that π€ͺ ! Just patient like Warren Buffet said, the market is a incredible machine of transferring money from impatients to the patients so stay invested folks ! What helped to reach the milstone was of course... the controversial $MSTE Recently decided to get on-board as I learned more about the company. When it launched, I didn't understand $MSTR so I decided to stay away, then I saw the sharp decline.. along with bitcoin and... Hmmmmmm... maybe a great opportunity to learn about it.. π€π I did my research and as an income investor that seeking capital growth I now owning over 15K shares at 2.50$ / shares.. 50% Yield on cost.. Just hopping I didn't burn myself on this one for too long.. but prety confident that it will growth overtime base on my research.. π€ Not over 10 % of the portfolio yet but didn't plan to get it over 15% even if my conviction is strong. But it might be the important key for the next milestone ππ€ and anyway, I have an exist plan as it's a risky one... always have a plan ! πread more
Today was Harvest's payday. I got paid $2,948.37 based on $0.1 /share distribution. After re investing my $MSTE distributions I now have 31,109 shares with an average cost price of $8.13 now. I have surpassed my original target of 30,000 shares. Next target is realistically 35,000 shares of MSTE hopefully by the end of this year depending on how the price of MSTE moves. For now my Capital Loss (on paper) is still negative $196,000 π. This will recover eventually when $BTC /$MSTR recovers in 3 yrs times and reach new ATHs. I am patient and waiting for a great recovery. So far $MSTE has paid me $48,839 in distributions that have all been reinvested back into $MSTE You can see the numbers for proof in the attached screenshot. Pls do not follow what I am doing, you have been warned. I am just documenting my journey here and being transparent with proof. It's fun showing the winners but losses are also part of investing too. Invest wisely and stay blessed. Mitigate risk according to your own risk tolerance. Congrats to all those who got paid today. read more
For those who are still doubtful and bearish in the whole space sector is in for a rude awakening. NASA just gave us an update on how things are going in regards to a future Lunar Outpost near the South Pole (of the Moon). They're currently in Phase 1 which is basically a rapid series of robotic missions to scout the lunar South Pole region, test technologies, and prepare for surface operations. Here's the link which gives us more details about the companies involved. We are WAAAAYYY too early for this and at least I'm already well positioned with my $LUNR and $RKLB holdings. Other companies like $VOYG, $FLY and $NOC will also be working alongside NASA to deliver rovers and landers. If ETFs are more your style, you can add the TEMA Space Innovators ETF $NASA which holds all of these companies (and a bunch others) for a bit less volatility. I just like to have more exposure and control than most, that's why I'm opting for individual stocks. π The Space Sector is still in diapers and it's only gonna lift-off from here on (pun intended). π I'll continue adding little by little of course and super bullish on this exciting new sector! https://www.nasa.gov/missions/moon-base/nasa-provides-updates-on-moon-base-cargo-landers-tech-demonstrations/read more
Zoox to become the first control-free robotaxi to charge fares. $AMZNAmazonβs Zoox will start collecting fares from passengers in Las Vegas on Aug. 10 The autonomous taxi business is getting interesting
$VOOβ The responsible adult. Just keeps buying and doesnβt overthink it. $QQQM β The one whoβs always talking about AI and tech. $SCHD β The one who reminds everyone to save money. They love seeing their dividend income grow year after year. $SCHG β The person whoβs trying to beat the market. $JEPI β Wants a paycheck every month and is just waiting for that first week every month. Donβt take this seriously at all I just thought this was funny but let me know if u think this is accurate. read more
goal got to .25 BTC im going to hold for a bit my only goals for the year is get DRAM to 3% of my portfolio its at 2% and get 1,500 shares of SCHD I'm currently at 1,470. Buying the does pay off!
8,927 shares strong. Every penny above $33.60 puts the position north of $300K. Years of consistent buying, reinvesting every dividend, and staying disciplined through every market cycle. The journey is far from over folks. πͺ How many $SCHD shares are you holding right now?
