Blossom — Social Investing Community

Beginner Investors · 1m

The chart that explains why I keep buying $UBER:

Revenue has nearly tripled since 2021.

But the real story is free cash flow going from inconsistent and even negative to nearly $2.8B in a single quarter.

This is not the same Uber people were analyzing a few years ago.

0 views

Gary Gill @garygill

Beginner Investors · 🔥 Hot

From $40k in Debt and a Hospital Bed to Freedom

In my 20s, I spent 5 years pumped full of prednisone and methotrexate to fight off a rare disease, falling over $40,000 in debt, and even had to get a total hip replacement due to the prednisone destroying the bone in my left hip.

Today, I am completely financially free, in the best shape of my life, and I get to spend every day with Soniya, who never left my side, and our three kids.

If you are going through a dark time right now, please remember that it gets better. The suffering eventually ends. You just need to outlast it, and then slowly build yourself up. If I could overcome massive debt and a body trying to kill me, you can achieve your dreams too.
Let's keep working towards the lives we deserve!

I talk more about my experience in this video: https://youtu.be/PiifoiBYd04?si=pKPeVeTXJzmu7sS8

1,484 views

Nik @srinik

ETFs · ⭐ Featured

Here is the ultimate beginner portfolio

I see many beginners posting that they’re new to investing and don’t know where to start. 🤔 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 😃 :

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 🔥

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. 😎

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 🙂

Oh and yea, there are overlaps, but I don’t think there is anything wrong in that though - it would just count as doubling down on good things. 💯

I’m sharing with you all what helped me, but don’t forget to do your own research too! 🙏🏼
read more

546K views

Frankly Polvans @franklyprofit3

FIRE · 3m

📊 TRADE RECAP — 09/28

🚀 $PANW 405C — +89%
💰 $MSFT 510C — +74%
🟢 $MRNA 210C — +16%
🟢 $SPY 769C — +11%
🔴 $RGTI 16.5C — -30%

⏳ $MU, $CRWD & $KWEB still active.

Took profits into strength and kept the runners working. 📈🔥read more

2 views

Williams Leif @banana_capital

Dividends · 4h

Happy $SCHD dividend day!

$636.08 received and reinvested.

This is my largest $SCHD payout yet.

What did $SCHD pay you today?!

608 views

Smrit Dhesi

@smritdhesi

Beginner Investors · 10m

50 K!

I am proud to announce. I have reached my 50 K goal in one year after using Blossom.

8 views

Beskar Capital

@beskar_capital

Beginner Investors · 🔥 Hot

They Can't Stop Trying to Be Me! 😂

@beskar_capital is the real deal.

@beskarcapital is imposter #1
@beskar_capitar is imposter #2
@beskal_capitals is imposter #3
@beskals_capitar is imposter #4

and @beskar is probably imposter #5 😂

What can I say? 😂

This is the Way! 🏄‍♀️ 🌊 🏄‍♂️ 🌊
read more

1,038 views

Maxwell

@maxstocks

Community · 🔥 Hot

🥳 The new Blossom algo explained!

On top of Blooms, we also just rolled out a massive overhaul to the Blossom feed algorithm. Me and @kartik (Blossom’s CTO) went live this morning to talk about it - here’s the link to the recap!!! 🥳

In the video we covered:

- what was wrong with the old feed
- what’s new and why this is a massive improvement
- how to tune and customize your feed
- how to stand out as a creator
- Q&A

https://www.youtube.com/live/I1MvkrhwDQI?si=VnaB8e4jcRg01J3Z read more

9,108 views

Mr Financial

@mr.financial

Beginner Investors · 1d

Are You Sabotaging Your Own Returns? 😏

You could be … and not even realize it.

After nearly 22 years as a DIY investor (I am OLD), I’ve noticed we spend WAY too much time worrying about things we CAN’T control.

Which stock will outperform ($NVDA) . Which sector will take off next ($XLE) . What the market is going to do tomorrow ($VFV/$VOO ). What our return will be….

Meanwhile, we sometimes overlook the things we actually CAN control.

And some of these mistakes can get REALLY expensive over time. Expensive enough that they cost you your retirement timeline!

I see them constantly on Blossom and Youtube. One of them in particular makes me want to SCREAAAM “NOOOOO… THAT’S NOT HOW THIS WORKS!!!!!!”

So I put together a video breaking down 5 common investing mistakes that could be quietly hurting your returns …… and what you CAN actually do about each one of them. Eliminating one of them could increase your returns by 71% over 30 years 😏

After all, investing isn't about making the perfect decision every time. Usually, it's just about making FEWER bad ones.
https://youtu.be/gl4EWVamBUgread more

2,920 views

Jordan Collier

@coveredcalletfinvesting

Passive Income · 14m

How To Pay $0 Tax On ETF Income In Canada

Understanding a little bit about how your income from ETFs goes a long way to help plan for next years tax bill. This video is short and sweet to pack in all the important understandings needed to arm yourself for that 2027 tax bill. Tax brackets, ETF tax buckets, accounts and a calculation tax example to help you do your own calculations for yourself.

https://youtu.be/Lrjf_zPPNxw?si=YNPZW1C42onLeQO8

58 views

Katie

@longtermwins

ETFs · 15m

The Road to 50% $VTI

One of my goals this year was to build up the ETF side of my portfolio, and I’m really happy with the progress I’ve made. ETFs are now the majority of my portfolio and VTI alone is sitting at about 45%.

So I’m giving myself a new goal: get VTI to 50% of my portfolio by January 2028.

5% sounds pretty simple, but the target keeps moving. About 80% of my new investment money is going into VTI, but I still like sprinkling some into individual companies I believe in. If those stocks outperform, they can grow faster than VTI and shift the percentages around again.

I do own a few other ETFs and I’m keeping them. I know I could simplify even more, but that’s just a personal choice.

For me, 50% isn’t a magic number. It’s another goal to keep me moving in the direction I wanted to go this year- building my position in low cost ETFs

Currently 45.1% Let’s see where I am a year from now.read more

30 views

Levi Ewald

@smallbird.financial

Personal Finance · 🔥 Hot

Why I’m Happy Renting Right Now

My wife and I rent right now, and I'm very happy with that decision currently. We get flexibility, we don't have to worry about replacing a roof or furnace, and we can move when life changes without selling a house first.

Owning can be awesome when you want to stay put and make a place your own. I definitely want that eventually. But I don't see renting as throwing money away while we wait. We're paying for a place to live and for the flexibility that fits our life right now.

For us, renting works financially because we pair that flexibility with discipline. If every dollar not going to a down payment or repair bill just gets spent somewhere else, you lose one of renting's advantages. We still need to save and invest on purpose.

Has renting or owning given you more freedom at this stage of your life?

1,698 views

Maxwell

@maxstocks

Market News · 8d

📉 Analyst Says Market Will Crash 30% in 2027

🐝 In today's Weekly Buzz I dove into the arguments published in Fortune and Yahoo Finance by Capital Economics analyst James Reilly who calls the AI trade a “late-stage bubble” and is projecting a 30% drop in the S&P 500 from its highs by 2027.

💡 His arguments include:

- 📈 S&P 500 earnings growth concentrated almost entirely in tech and chips, now matching dot-com era peaks

- 💸 Combined free cash flow of the four largest AI hyperscalers projected to turn negative in 2027 due to AI CapEx

- 🏦 Big Tech bond issuance more than doubling year-over-year to fund the cash flow gap

- 🚀 A fresh wave of AI IPOs, which Reilly calls the clearest late-bubble signal (most notably Anthropic’s IPO, which he called an ‘IPO of doom’ and compared to Pets.com, whose IPO was seen as the beginning of the end for the dot-com bubble)

💥 Obviously calls for a crash are nothing new, but I thought the argument was worth covering, so wanted to open up a discussion thread to hear everyone's thoughts on Blossom!

💬 One quote I liked in this context from Peter Lynch: ""Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in corrections themselves." Take last weekend for example when everyone thought the market was going to crash Monday due to the open letter from Anthropic 🤣

💡 That said, I think the risks are real and the '30% drop' prediction is a good thought experiment for us all to make sure your portfolio matches your goals and risk tolerence... if your investing for the long-term, statistically you WILL experience a crash eventually, the test is whether you can ride it out without panic selling 👀

🫡 My full write-up should be in your inbox! read more

5,008 views

Zarreon Jaudon

@zarreonprince

Rate my Portfolio · 18m

How are we feeling about this portfolio? I’m thinking about building my ETFS some more than add $KO THEN some like stocks like $AAPL $TSLA $SPCX $AMZN $GOOGL $AMD $META

2 views

Austin x money

@austinxmoney

Community · 🔥 Hot

Help shape the future of Blossom (User Interviews)

Hey Everyone! My name is Austin and I am working at @blossom on the product team!

Our team is constantly looking for ways to improve the platform and build features you care about. I am hosting a series of 45-minute user interviews every thursday to learn more about how you use blossom today. Anyone is welcome whether you are a new or longtime user of the platform!

Interested in chatting?
Click the link to find a time that works for you. https://calendly.com/austin-blossomsocial/45min

3,714 views

Abhishek Patel

@abby4402

Dividends · ⭐ Featured

Long-term investing goals

📊 Long-Term Investing: The Power of Thorough Analysis

When it comes to long-term investing, understanding the fundamentals of a stock is crucial. It’s not just about jumping on trends; it’s about making informed decisions based on solid data. This chart breaks down the essential financial statements—Balance Sheet, Income Statement, and Cash Flow Statement—that every investor should analyze before committing to a stock.

🔍 Balance Sheet: This tells you about the company’s financial health, specifically its assets, liabilities, and equity. A healthy balance sheet is a sign of stability and resilience.

💸 Income Statement: This shows the company’s profitability by detailing revenue, expenses, and profits. A strong income statement indicates a company that’s generating profits, a key factor for long-term growth.

💰 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 isn’t about timing the market; it’s about time in the market, supported by thorough analysis.

$VGT $TXN $QQQ $AAPL $META

#InvestSmart #LongTermInvesting #FinancialLiteracy #StockMarketAnalysisread more

564K views

The Market Matrix

@themarketmatrix

Market News · 🔥 Hot

Trump is set to make an announcement at 2PM ET tomorrow..

It could be about anything, I mean it follows Trump’s private dinner tonight with Anthropic CEO Dario Amodei, or something with Xi from their meetings last week.

He also said he will end the Iran conflict "very soon"

Any predictions haha?!

910 views

The Market Matrix

@themarketmatrix

Market News · 1d

If you were forced to buy two stocks that would UNDERPERFORM for the next 4 years, which two names are you choosing from the 16?

1. $META
2. $SOFI
3. $MU
4. $AMZN
5. $ASTS
6. $RKLB
7. $PLTR
8. $VRT
9. $CRDO
10. $MSFT
11. $HOOD
12. $NBIS
13. $ENB
14. $ZETA
15. $AMD
16. $SNDK

This is a tough one.. read more

1,158 views

Andrew Sebourn

@asebo02

Crypto · 22m

Crypto Market Riches

Something interesting about the crypto market that I’ve seen is that the real value is moving away from the meme coins. Now profitability in the crypto market is coming from protocols, decentralized exchanges, and blockchains. In the month that I have been trading just for fun in the crypto market I have increased my portfolio by 32% due to upward trending volatilities of 20%-40%. Here are the coins I’m trading with great success!

UNI - Uniswap (Decentralized Exchange)
ARB - Arbitrum (Protocol)
NEAR - Near (Protocol)
LINK - Chainlink (Decentral Oracle Network)
XTZ - Teros (Blockchain)

What do you guys think about this section of the crypto market?

read more

10 views

Crazy Canuck Investor

@crazycanuckinvestor

Retirement · 9d

What Kind of Spender Are You?

I was listening to episode 426 of the Rational Reminder podcast and they started talking about something I really hadn’t thought much about before. We spend so much time figuring out what kind of investor we are. What’s my risk tolerance? How much risk should I take? How much do I need to save? But what about the other side of it — what kind of spender are you?

At some point the money we’re saving and investing is actually supposed to be spent. They talked about three types of spenders: Tightwads → Unconflicted Consumers → Spendthrifts. There’s actually a test for this, so of course I had to take it. I scored 15 — Unconflicted Consumer.

What am I actually saving all this money for? For me, I don’t think it’s material things anymore. When I was younger maybe it was. I’ve talked before about buying a motorcycle in my early 20s when I finally had a decent job and some money. At this point in my life, I think it’s experiences.

My wife and I are celebrating our 15th wedding anniversary and we’re going away together for 10 days. We’re spending more on this trip than we normally would, and I’m completely okay with that. We’ve both worked hard, we’re busy raising our kids, and life seems to move faster every year. Ten days where we can get away together, slow things down and celebrate 15 years of marriage means something to me. That’s something I’m willing to spend money on.

Someone else might look at what we’re spending and think that’s crazy. But maybe they’ve dreamed about owning a Mustang for 30 years and that’s what they want to spend their money on. I’d probably look at the Mustang and think… nope. But that’s the point. What do YOU want to spend your money on?

I think we spend so much time learning how to save and invest that we don’t really think about what happens when it’s finally time to spend it. If you’re a natural saver or a “tightwad,” after 30 or 40 years of telling yourself NOT to spend money, can you suddenly flip that switch in retirement?

Apparently I’m an Unconflicted Consumer, so maybe I’ve got a fighting chance.

If you want to try the University of Michigan test, here it is:
https://umich.qualtrics.com/jfe/form/SV_55xxAQrYK0WRlY2

Take it and post your score. I’m curious where everyone falls.

read more

1,970 views

KING TM

@kingtm

Crypto · 43m

Lost conviction might be recovered

$HBAR jumped around 40% intraday today, here are my thoughts on why I think it happened.
It jumped from ~9.6 cents to 12.5 cents a share, and the reason appears to be IBM. Last week, The Hashgraph Group, which develops Hedera-based products, listed its ID product on IBM's cloud marketplace. The news came on the heels of Hedera's joining of a UK digital markets task force and a post on Nvidia's AI safety program with which a Hedera council member was involved. This appears to have been the catalyst for the traders to jump in.

But I'm not jumping to conclusions. The IBM product is developed by a third party, and the Nvidia post made no claims about any product development. And the stock is very overbought right now, so I wouldn't be surprised to see it fall back towards 10 or 11 cents.

The reason I like the name for the long haul is that it has big names like IBM and FedEx on the council, and there's now an ETF (ticker HBR) that allows everyday investors to get exposure to it. It's still about 78% below its 2021 peak, even after today's gains.

What I'd like to see next is more adoption by actual users of the network, rather than just announcements. Once that takes off, the token will take off, in my opinion. If the headlines dry up, so will the gains.

So I'm waiting on the sidelines, not buying this breakout, but looking forward to the next one. Would you buy this one, or wait for the next one?
My own research, not financial advice.read more

10 views

Beskar Capital

@beskar_capital

Beginner Investors · 4d

Welcome to Volatility Town ⚠⚠⚠⚠⚠⚠⚠⚠⚠

Didn’t I tell you this would be the most volatile period of the decade?

This is the Way! 🏄🌊

976 views

Andy Passive Income

@AndyPii

Passive Income · 8d

Yahoooo! Thanks thanks thanks!

A new milestone on @blossom for me. Thank you 7000 times for 7000 followers!! 🚀

I really appreciate everyone who follows along and reads my posts or distribution/dividend announcements since 3 years now

If only 1 out of every 7 of you decided to follow me on my new YouTube channel, I’d honestly be so happy. 😊

It took me a while to finally decide to start this channel. My wife really doesn’t want me showing my real face on the internet, and I completely respect that because we both want to protect our privacy. So I decided to create an avatar that looks a lot like me without being exactly me… although he definitely dresses like me! 😂

That also means I have to create my characters, write my scripts, generate voices and video sequences with AI, and then edit everything together. It takes a LOT more time — and can sometimes be VERY frustrating 🤣 — compared with simply sitting in front of a laptop, turning on a camera and talking.

But along the way, I discovered something I really enjoy. It allows me to develop my creative, cinematic and humorous side, while talking about investing and trying to share useful information without making finance boring.

Hopefully, one day the channel can generate a few dollars — even if it’s just enough to cover the cost of the AI tools I currently pay for out of my own pocket to create these videos.

I may be retired, but somehow I’ve managed to give myself a new unpaid job! 😂 It takes a lot of time and some money… but while I’m making videos, at least I’m not cleaning the house. Watch Episode 14 about Procter & Gamble and you’ll understand. 🤣

More seriously, I’d genuinely love to hear your feedback and comments about the channel. My goal is to keep entertaining you while sharing information about investing, new investment products, distributions and dividends.

And if you enjoy what I’m creating, subscribing to the channel would probably be the nicest little way you could support what I’m building. ❤️

https://youtube.com/@andypiimedia

https://youtu.be/TokPcifO3vo

I was happy when I reached 5K, now 7000 wow! Thank you to read me almost each day. read more

2,416 views

Ari Gutman

@arigutman

Beginner Investors · 12h

MISSION ACCOMPLISHED 👇👇👇

Excited to share I officially brought in over $100k in returns alone this year and we aren’t even done with 2026 yet, not even freaking close…

New GOAL: $125k

Let’s go, get ready for a new week. Lock the heck in…

I’ve been posting all of my trades immediately on Instagram stories until the Vanguard connection is fully fixed. If you want in on the trades and where I’m at in the world 🇹🇭 for now, follow along if you want: https://www.instagram.com/ari.gutman?stkn=MTZlYW1ldjNqaHM2bA%3D%3D&utm_source=qr

Happy investing to all!

1,032 views

Zain @zains

Beginner Investors · ⭐ Featured

Beginner’s Guide to Stock Market Terms

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