Hello everyone, One criticism I frequently see on this platform about income investing, particularly covered-call ETFs, is that investors sacrifice gains once the underlying stock rises beyond a certain point. It feels counterintuitive. Yet, my observations seem to challenge that assumption, at least over shorter periods. In the attached screenshot, $AMD was up 8.80% as of 3:44 p.m. ET today, while $AMDY was up 12.95% at the same time. If covered-call ETFs cap upside participation, how can AMDY beat its underlying stock today? I'd genuinely appreciate an explanation from anyone familiar with the mechanics behind this. Cheers, A. read more
these days are so nice i canβt lieπ€£π₯ i think this is also my first green +$1000 day too!! π΅π΅π΅ but i want a discount tomorrow because i have a LOT of money pending to put inβ¦ everyone will see tomorrow or thursday!! blossom is so slow to update i should be at $45,000!!! cheers everyone!! NEW ATH FOR $VFV LETS GOO $ZEB$XEC$XEQT read more
Since so many people ask how to invest in this sector, or this country, or this asset, Iβve 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 Letβs 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 Thereβs so many ETFs I didnβt 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 youβre looking to get out of investing. As always do your research and happy investing! Subscribe to the newsletter: relatablefinance.substack.com read more
BREAKING: SpaceX is partnering with Nvidia to design the Starmind AI1 satellite compute payload. Each of the Starmind satellites will include NVIDIA Rubin GPUs and Vera CPUs for datacenter class space compute. $SPCX earning is on watch after market close.
Am I the only one that finds the "NAV erosion" discourse to be utterly stupid? CC fund investors talk about "oh this fund doesn't have any NAV erosion" and you look at the fund and it's some single stock CC ETF for a stock that's been performing well since the fund was launched. If you don't understand how these funds work, isn't it incredibly dumb to be invested in them? Before I invested into factor funds, I read books and academic articles about factor investing. Before I invested in a convertible arb fund, I read the textbook written by the fund manager on convertible arb. Why do "income investors" think it's okay to be so ignorant about the funds they invest in?
This morning I realized that there are 7,000 of you following my financial journey. Iβm so humbled, thank you. ππ» I remember what financially crippled felt like, stomach dropping before I even opened my banking app. Doing math at the grocery store, putting things back. That 3am anxiety where every βwhat ifβ feels like a countdown. Today looks different. Not checking my portfolio for days because I donβt need to. Booking a flight without the mental gymnastics. Standing in front of Trevi Fountain on a random Tuesday, mid-week, mid-year, simply because I can. I got here the boring way. No windfall, no hot picks, no timing the market. Just the same unglamorous decisions, repeated for years, until one day the weight was gone. Iβm retired now, and my portfolio carries us further than my paycheque ever did. I donβt say that to impress anyone, I say it because I remember not having anyone show me this was possible. If this account helps even one of you get a little closer to your own βfree,β Iβll consider it worth every post. Truly, thank you for being here. For reading, for asking questions, for trusting me with a small piece of your journey. This community means more to me than a follower count ever could. π₯ Hereβs to learning and growing together. read more
Everyone's talking about AI chips and software. Nobody's talking about what powers them. Here's the thesis: β‘ AI data centres consume 10x more electricity than traditional servers β’οΈ Nuclear is the only carbon-free baseload solution that doesn't flicker π Microsoft, Google, Meta and Amazon are all signing 20-year nuclear power agreements RIGHT NOW π US banned Russian uranium imports β Western suppliers like Cameco are the only alternative The numbers that locked me in: β’ Cameco's uranium realized price: $34/lb in 2021 β $66/lb in 2026 β nearly doubled β’ Long-term contract prices heading toward $100/lb β’ 230 million pounds of uranium already contracted through 2030 β’ 49% ownership of Westinghouse β every reactor built = more uranium demand for CCO β’ CEO Tim Gitzel: "The AI, the data centres, the hyperscalers β I've never seen anything like it in my career" β’ US planning 10 new reactors by 2030 β’ Supply is NOT keeping pace with demand β that gap only grows This isn't a 3-year trade. It's a 20-year structural shift. The world needs 3x more electricity by 2050. Renewables can't do it alone. Nuclear is the answer. Uranium is the fuel. Cameco owns the mines. I'm 23. I'm holding CCO until I'm 43. By then the nuclear renaissance will be undeniable. Roast me or back me π #CCO #Cameco #Nuclear #Uranium #TFSA #LongTermInvesting #AI #CanadianInvestor (Ai generated)read more
When I need money in a down market! Iβm still getting paid every week!! Every single cent gets reinvested back into assets! $BLOX$HOOW the investment flywheel in full speed π¨
Trump says he has CANCELLEDοΏΌ the US attack on Iran and that the βperimeters of a dealβ have been agreed to. includes the "complete" and "total opening" of the Strait of Hormuz. Filet Mignon for dinner.. or should I say tacos!? Weekend tech $QQQ nearly +1%
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
I see many beginners posting that theyβre new to investing and donβt know where to start. π€ As someone who was in a similar situation just a few months ago and learned, here are the 4 ETF types (& ETFs) that are popular among long term investors π : 1) S&P 500: US: $VOO / $SPY / $SPLG Canadian: $VFV / $ZSP / $TPU 2) GROWTH / TECH: US: $QQQ / $VUG / $VGT / $SCHG Canadian: $QQC / $HXQ / $TEC / $ZUQ 3) DIVIDENDS: US: $SCHD / $VYM / $DGRO Canadian: $VDY / $XEI 4) ALL IN ONE / BASKET / Global Exposure: US: $VT / $AVGE Canadian: $ZEQT / $XEQT / $TGRO / $VEQT / $ZGQ I noticed many people following this type of a basic / uncomplicated portfolio and are doing really well for themselves π₯ For % allocation, you can divide evenly among the ETF categories or allocate a higher % based on your preferences. Just DCA regularly and you should be good. π Some people even just put it all into an all in one etf like $XEQT. This is also a good approach - it is much simpler and it works. Ultimately, it comes to whatever you prefer π Oh and yea, there are overlaps, but I donβt think there is anything wrong in that though - it would just count as doubling down on good things. π― Iβm sharing with you all what helped me, but donβt forget to do your own research too! ππΌ read more
For my CCetfs portfolio. Im planning to add $SDAY$CDAY$QDAY since i saw they have strong growth and consistent distributions. Well anyway whats your feedback for this? Im open to hear #followme i kinda like hamilton
The last month has been one of the most volatile in a very long time. The Nasdaq had one of the worst losses since the Dotcom days. Iβve learned my lesson from the βlost decadeβ and 4 major stock market crashes and 2 real estate crashes, a global financial crisis and global pandemic and 3 American lead wars and can say without question we are living through a major secular bull market and this is going to be a rough ride. We hear that diversification is so important to wealth CREATION and PRESERVATION. Yes, concentration builds accelerated growth but youβre also competing with the smartest, richest and most equipped hedge funds that move the market at their discretion. But understanding what and how diversification works to grow and PROTECT your wealth is even more critical to STAYING IN THE GAME, and being able to jump at the next opportunity. Iβve been told by enough senior executives and CEOβs that Iβm one of the most STRATEGIC people they have worked with. I always found their impression odd, given that strategy should be the basis of every intention. Strategy begins with answering all of the following questions: - What is your end game? - What is the playing field? - What are the obstacles? - What are your resources, tools, techniques, knowledge and information available? - What is the opportunity? - What are the risks? - What are all the options? - What are the factored % probabilities of success and failure? Now go figure out a comprehensive plan that incorporates all of the above that has the highest probability of achieving the end game. But have a complete PLAN. Move forward with your OFFENSIVE moves, but have a DEFENSIVE plan. What if your plan doesnβt work? And you might lose 10, 20, 30% or more of your entire portfolio? Donβt tell me, well Iβm in it for the long term. It can literally take decades to make it back. It took 20 years for me to recover my losses on Celestica and Bombardier. Today, our plan includes for capturing (1) growth of the global, US and Canadian economies and therefore stocks. Our plan includes for (2) currency fluctuations especially USD and CAD and the swings between them and growing a USD cash pile. Most Canadian investors donβt realize how much of their recent wealth is actually a loss due to the erosion of the value of the Canadian dollar vs USD. Our plan includes for (3) yield, both directly through individually selected dividend stocks, and indirectly from broad market ETFs. Yield of course is income and cash flow and as much as possible sustainable, reliable, and GROWING income and cash flow regardless of market volatility. My annual yield is now 2.5x my core expenses (not including discretionary βlifestyleβ expenses). Almost approaching my target of 3 times safety. (Tip: you canβt get there with covered call ETFs over the long term) Our plan has (4) a cash management strategy and four sources of income streams, diversifying and not be reliant on any single one to cover core living expenses, and continually build a cash pile of βdry powderβ including trimming growth stocks on the way up to buy quality for growth, dividends and diversification on the way down. Currently we are at 20% cash and growing. A Plan, a Strategy, Diversified, and a Defensive one for the reversal of the market at any given time. Nothing wrong with being a βprepperβ and being able to βplayβ both sides of the market swings (no I donβt mean shorting!). This βprojectβ has been a work in progress since 1997 and βfloatedβ since retiring in 2022, tested for success with financial planning and modeling software that suggests 100% success rate via Monte Carlo simulations and other tests to fund our life, but I donβt take that as something for granted. I stay vigilant to changes in the global economy, politics and how the market reacts. Interesting enough, in the last 6 months we have made virtually no trades. Just sitting tight and watchingβ¦ read more
My portfolio finished up just over 6% today, and if I donβt include my 401(k), Iβm up around 11% today. Days like this definitely donβt happen often, so Iβm going to enjoy it. Still sticking to the same plan buy good businesses, keep investing consistently, and let time do the heavy lifting. The PLTR rebound was a HUGE driver, but everything else here is green.
It took me 15 years to hit 100k. Subsequently, it took me 4 years to hit 500k. Iβd love to know what first popped into your head when you read that. For me, I would automatically think that this personβs earnings power must have increased significantly. That would be the obvious answer. But it couldnβt be further from the truth for me. I actually didnβt even earn an income for 2 out of those 4 years. So, aside from compound interest (ππΌ), what made the difference? Awareness. Comprehension. Determination. But mostly TIME. For those first 15 years I worked hard. I worked all the overtime. Sometimes working illegal amounts of hours. I made stupid amounts of money and when I finally got a day off (sometimes after 3 months straight), I spent it ALL. Something changed when I took my first maternity leave in 2019. It was the first time in my adult life, that I had an opportunity to slow down. To get away from the grind. To be able to think about something (anything) other than progressing my career. I used that opportunity to teach myself something new. Arguably the most important life skill Iβd ever learn. Money management. I invested in myself. I learned how to budget. I learned about the stock market. I started making educated and conscious decisions about money. So, the biggest difference between those two periods of my life was, TIME. Not earnings power. But having the time to learn important life skills that I never previously had the time for when all I did was grind. I know a lot of people will say they donβt have time to learn about investing and honestly, I GET IT, because I was that person! But my advice to those people now would be this: Make time. Step away from the grind and take the time to understand your finances. Itβs arguably the most important life skill you will ever learn. Step away from work now (even if it means using a week of vacation), so that you can step away from work later. Itβs the best gift you will ever give yourself. Most people think they need to grind harder, but maybe what they really need is to press pause for a second. Other factors that contributed to my portfolio growth: - Bull market - High risk tolerance - Growth stocks - Market timing - Employer match program - Stock Based Compensation program - Increased savings rate - Reinvested dividends - Luck π read more
$MU Micron is getting a lot of attention today, and the options flow is hard to ignore. Large call activity continues to show up, with more than $23M in call premium versus $5.7M in puts. Several large upside contracts were bought above the ask, suggesting some institutions are still positioning for continued strength. That said, I never treat options flow as a guaranteed signal. The real question is whether MU can keep holding these levels and prove the buyers are still in control. AI memory demand remains one of the strongest themes in semiconductors, and Micron is directly tied to that story. After a big run, though, patience matters. Watching the chart, not chasing the excitement. Things are heating up. Still waiting for confirmation? Stay flexible. read more
Congratulations to Jared on achieving the rising star award. We finally met in person today and he definitely made my experience super enjoyable! Thanks Jared you deserve it!!
The S&P 500 officially hits a new record high π² Qatar says language has been "drafted" on US-Iran deal and US Treasury secretary says US-Iran deal could be reached "tomorrow" Stock are SURGING today!
Dividend Investing vs Growth Investing One side says: βI want to get paid while I invest.β They invest in ETFs like $SCHD, $VDY, $DGRO, and $JEPI. The other side says: βI want the highest long term growth.β They invest in ETFs like $SCHG, $QQQ, and $VUG. Sometimes even just $VOO Both believe theyβre making the right choice. Which side are you on? Or do you think the best portfolio is a mix of both? π read more
Sharing for no reason whatsoever... Five popular, heavily owned names, some of which I've even seen called "must own", that I have absolutely zero interest in owning. Nothing against those who do, but I don't want them. $META - Amazingly profitable today, but I don't think the company's story ends well. $PLTR - If I can't trust the company, I don't want to own the stock. $SPCX / $TSLA - Elon has full say over corporate governance & I don't trust his judgement. Covered-Call ETFs - Fees are too high & I don't like having my gains capped.
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, hereβs a simple glossary to help understand and simplify various terms. Common Terms: Dividend: A share of a companyβs 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 companyβs quarterly financial performance summary. EPS (Earnings Per Share): A companyβs profit divided by its number of shares. Market Cap: A companyβs total value (share price Γ number of shares). ACB: The total amount youβve 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 stockβs 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 Γ· 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 doesnβt 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 donβt 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 investmentβs 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 fundβs 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. Iβll update this post so we can build a complete beginner-friendly resource together! *Sorry tagged a few etfs for reach π«£read more
$QQQ closed at 716.01, up 2.28%, as markets reacted to improving Iran-Oman talks. Rubio said negotiations are making progress, adding to hopes of regional de-escalation. Energy markets moved quickly: Brent crude fell below $80, while WTI dropped more than 5%, showing investors are pricing in lower Strait of Hormuz risk. Shipping analysts remain cautious, but the market is watching whether diplomacy can translate into a broader reduction in supply concerns.
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Not bad for 2 weeks of holdings Great long term position however want to trim my holdings down so picked Google and will keep the cash aside for the inevitable dip !!!
$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
Revenue growth gets the attention. Net margin shows how much of that revenue a company actually keeps as profit. These 10 businesses currently have some of the strongest net margins in the market: 1. Alphabet | $GOOGL | 93.6% 2. Nvidia | $NVDA | 71.5% 3. TSMC | $TSM | 55.6% 4. Palantir | $PLTR | 54.9% 5. Visa | $V | 48.3% 6. Mastercard | $MA | 47.3% 7. Microsoft | $MSFT | 39.7% 8. Netflix | $NFLX | 27.1% 9. Meta | $META | 26.1% 10. AMD | $AMD | 13.5% read more
