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!
๐ Long-Term Investing: The Power of Thorough Analysis When it comes to long-term investing, understanding the fundamentals of a stock is crucial. Itโs not just about jumping on trends; itโs about making informed decisions based on solid data. This chart breaks down the essential financial statementsโBalance Sheet, Income Statement, and Cash Flow Statementโthat every investor should analyze before committing to a stock. ๐ Balance Sheet: This tells you about the companyโs financial health, specifically its assets, liabilities, and equity. A healthy balance sheet is a sign of stability and resilience. ๐ธ Income Statement: This shows the companyโs profitability by detailing revenue, expenses, and profits. A strong income statement indicates a company thatโs generating profits, a key factor for long-term growth. ๐ฐ 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 isnโt about timing the market; itโs about time in the market, supported by thorough analysis. $VGT$TXN$QQQ$AAPL$META #InvestSmart #LongTermInvesting #FinancialLiteracy #StockMarketAnalysisread more
good morning everyone!! itโs another wonderful day at work!! iโm so happy to be alive and able to work and make money! last week was so insane i made so much money and iโve been planning since last week on how to deploy it this week! so hereโs my plan: first, i will invest my weekly $325: $225 - $XEQT (FHSA) $100 - $VFV (RRSP) next, i made $750 from a side job!! i know right itโs crazy but the cheque hit yesterday๐ฅ๐ต so i will be investing HALF of it and saving the other half as i have to pay my YEARLY insurance for my truck that comes out to $1519 for the year. (down $400 from last year thank god lol) so iโll be buy another $375 worth of stock since i do a 70/30 split between FHSA/RRSP respectively iโll be buying: $XEQT - $262.50 (FHSA) $VFV - $112.50 (RRSP) so the TOTALS for today will be $487.50 to $XEQT in the FHSA $212.50 to $VFV in the RRSP! happy investing, letโs go letโs keep getting richhhhh๐ฐ read more
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. ๐ช How many $SCHD shares are you holding right now?
When I need money in a down market! Iโm still getting paid every week!! Every single cent gets reinvested back into assets! $BLOX$HOOW the investment flywheel in full speed ๐จ
At first, the AI spending story looks expensive. But when you look deeper, the bigger opportunity starts to stand out. If $MSFT can already build a meaningful AI revenue stream through OpenAI, it shows the demand for AI infrastructure is real. The bigger question is how large this market becomes as enterprise adoption accelerates and AI usage continues scaling. The next winners probably wonโt just be the companies creating models. It will also be the companies providing the cloud, chips, infrastructure, and tools that power the entire ecosystem. Of course, spending alone doesnโt guarantee success. Investors still need to see strong returns from these investments. For now, Iโm watching the AI leaders closely and focusing on execution over hype. Nice to see you here. Still following AI stocks? Trade smart. read more
Iโm 24 years of age making $115k with a shared $580k mortgage with my wife (who also makes around $100k). Itโs been difficult to have a balanced way of paying down the mortgage and aggressively investing. How are people doing it!
I genuinely enjoy breaking down the pros, cons, and underlying mechanics of different investing approaches as I learn about them. I watched a recent video on the Better Call Paul YouTube channel that made me think about the approach some people take of getting a loan to invest and then using distributions from that investment to pay down the debt. This can be summarized more simply as frontloading exposure and then deleveraging over time. Distributions do not make an equity investment self-funding in any guaranteed sense. If returns merely match borrowing costs, some invested value may effectively be converted into a lower loan balance. Strong returns let you deleverage while retaining growth. Weak returns expose the flaw because the debt remains even when the investment falls. In bull markets, thatโs obviously where you can have your cake and eat it too. But when things go downhill, thatโs where this idea of a โself-contained engineโ breaks down. This is the part I keep coming back to: the assumption that something can simply be self-contained. With a guaranteed product offering sufficient and predictable cash flow, perhaps, but not with a product tied to equity exposure. The distributions may power the engine, but the market still determines whether it is moving forward or consuming itself. That assumption of self-containment also seems to be behind some of the mistakes Chris openly admits to in the video, and I appreciate his willingness to share them with the audience. For some, the takeaway might simply be, โWell, I just have to pick the good funds.โ But thatโs easier said than done. It starts to sound a lot like a stock picker saying, โI just have to pick the good stocks.โread more
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This morning I realized that there are 7,000 of you following my financial journey. Iโm so humbled, thank you. ๐๐ป 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 โwhat ifโ feels like a countdown. Today looks different. Not checking my portfolio for days because I donโt 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. Iโm retired now, and my portfolio carries us further than my paycheque ever did. I donโt 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 โfree,โ Iโll 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. ๐ฅ Hereโs to learning and growing together. read more
$META is one of the names where I think the market may be missing the bigger picture. The concern seems to be around massive AI infrastructure spending, but I believe the key question is whether those investments create long-term returns. If Meta can continue turning AI capabilities into better engagement, ads efficiency, and new revenue streams, the current CapEx debate could look very different in a few years. The numbers matter, but so does the quality of the business behind them. Strong cash flow, improving AI products, and a powerful ecosystem give Meta multiple ways to compound. Iโm not ignoring the risks, but I think the market may be discounting the upside too quickly. Watching how investors digest the story from here. Market is moving. Still waiting for confirmation? Let's see how it closes. read more
๐ฅ 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! โก๏ธ 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 ๐ ๐ฑ 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 ๐ ๐ Can't wait for BlossomCon Vancouver and New York!!! (https://www.blossomsocial.com/blossomcon2026) ๐ 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 ๐
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. Thatโs 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. Itโs 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. Iโve watched people turn into monsters. Make sure you have a will!!!! or people will fight. ๏ฟผ I know most people hate thinking about their death or their spouses death but honestly itโs just a fact of life. Iโve personally been the executor of 2 estates now. This is my advice: 1. If your young get life insurance. If youโre retired itโs 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 youโre 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 doesnโt have to go through the estate. 7. If youโre married, both people should have their name on all the vehicles, joint, otherwise itโs 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 ๏ฟผwill (or the location of your will), ๏ฟผ 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 youโre married, Iโd 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 Iโd avoid this as much as possible especially if youโre married. This is why having property in both peopleโs names is so important because it doesnโt 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 itโs up-to-date. If you are young and do not own much or canโt 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 youโre 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. ๏ฟผ Disclaimer Iโm 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 Iโll 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
$SPCX crushed earnings in their first report since being public - -5% $ZETA double beat absolutely knocked it out of the park, FCF +75% YoY - -8% (what the hell!?) $AMD double beat +107% YoY data centre revenue - -5% ๐คฃ
$NVO has been one of the strongest long-term healthcare stories, but the market has a way of testing patience. Everyone wants the next big move, but the biggest returns in quality companies usually come from staying focused while the story develops. The obesity and metabolic health market is still expanding, and NVO remains one of the key players investors are watching. That said, the next phase wonโt be about hype. It comes down to execution, margins, competition, and whether growth can continue at a pace that justifies expectations. Iโm less interested in short-term noise and more focused on whether the long-term thesis is still intact. Good companies reward patience, but only when the fundamentals continue to deliver. Hope your session is going well. Semis still look strong to you? Good luck out there. read more
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?
33 y/o M. Iโm new to the game. Started serious investing earlier this year. I have an IRA through work with employer match. Iโm contributing up to the employer match. My other accounts are a Brokerage, Roth IRA and HSA. I have a long time horizon. I plan to invest for about 30 years. For the Roth, I am invested in the following ETFs: SPYM (S&P 500), QQQM (Growth), SPMO (Momentum growth), VGT (Tech growth), VXUS (International exposure/ diversification), SCHD (Dividends), and SMH (semiconductor growth). I know there is a lot of overlap with the growth ETFs and S&P 500. Would you recommend exchanging SPYM with VTI (total US market) for better diversification? Or eliminate a growth ETF? I was also considering investing in DRAM (AI memory). Is this too many ETFs for one account? For the HSA, I am invested in only FXAIX and SCHD. Should I just keep that account simple? I was planning on making a good base with ETFs then adding individual stocks. Does this seem reasonable? Thanks for your advice!
$VOOโ The responsible adult. Just keeps buying and doesnโt overthink it. $QQQM โ The one whoโs always talking about AI and tech. $SCHD โ The one who reminds everyone to save money. They love seeing their dividend income grow year after year. $SCHG โ The person whoโs trying to beat the market. $JEPI โ Wants a paycheck every month and is just waiting for that first week every month. Donโt take this seriously at all I just thought this was funny but let me know if u think this is accurate. 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!!
Every time someone owns $VOO and $QQQ / $QQQM Someone points out the overlap. My question is If youโre intentionally putting more money into companies you believe in, is overlap actually a problem? Or is it only a problem when you donโt realize itโs happening? Really when is it a problem ? I personally like the overlap I have with my ETFS with me investing even more into $AAPL Do most people see a problem with overlap or is that just its own type of investors?
Boought 9 shares at $362 will exit $378 Google down 4-5% today , glad I sold out at $375 2 days back will re enter now however will only do it as a quick swing trade happy if I make $100 profit , it all adds up
SpaceX $SPCX just partnered with Nvidia $NVDA to design 'Starmind' - a space datacenter satellite payload! This type of announcement before earnings in 20 minutes ๐
Since so many people ask how to invest in this sector, or this country, or this asset, Iโve 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 Letโs 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 Thereโs so many ETFs I didnโt 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 youโre looking to get out of investing. As always do your research and happy investing! Subscribe to the newsletter: relatablefinance.substack.com read more
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After a really nice green day yesterday, my portfolio finally reached $100K! Took 6 years of investing to get here, investing in a mix of etfs and individual stocks $XEQT$VFV$GOOGL$AMZN Keep up the great work everyone and don't give up ๐๐ If you have any questions on my investing journey, please send a comment :)
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
