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User profile picture@blossombriefs • 3dMy Amazing Vacation - Thanks to my Income PortA couple days ago me and my family returned from a 10 day vacation adventure across Vancouver Island. The excuse for us to go was to be part of the Victoria Marathon races... but after those 2 days... the rest was going all out exploring gems like Tofino, Ucluelet, Port Alberni, Nanimo and all the amazing natural wonders along the road trip.

Now... everyone would say "very nice but everyone goes on vacations". Very true. But something personal about me that was engrained in my entire life was to be cost conscious, look for deals, pay off debts first, make sure the family finances will be there to protect the family thru life. So... it was RARE for me and my wife to ever splurge and go ALL OUT on a vacation and NOT WORRY how much something will cost. Sadly, I admit that often I would convince myself to not to a big life experience because maybe it was too expensive.

And this was while i was working and had a good salary and knew that what ever I spent - my employment would eventually recover the costs...

THEN CAME RETIREMENT... and as I am sure MOST pre-retirees think of and ok lets say WORRY ... will me and my family have enough income coming in from our investments and any pensions to pay all our bills for the next 30 years of our life.... MUCH LESS... to fully enjoy retirement and tackle big ticket items on our bucket list. Add to that - my life-long conditioning to be cost conscious and wow we don't have an employment income mindset.

BUT... after 3 years of running and management m PIIVERSE Passive Income Portfolio... which has consistently generated over 3X more monthly cash then my family needs each month to pay for our lifestyle... AND.... thanks to my Daughter's boyfriend who never worries about cost - "LIVE FOR THE DAY" - kept subtly poking me to not worry about what it costs.... This vacation was simply amazing!!

We went all out for what turned out to be an exclusive whale watching tour around Tofino, we rented two amazing AIR B&Bs - one overlooking the Georgia Strait at Nanimo, Went to what ever restaurants and never worried about the cost.

and I will tell you - the experience for me was SURREAL... as one side of me kept whispering .. wow thats expensive... but then the other side of me said SHUT UP PERRY! 1/4 Month of distributions will pay for this entire vacation - JUST ENJOY! To know that not even does my income portfolio pay what ever bills i need to pay - that feeling of peace of mind that I DONT EVEN HAVE TO SELL ANY OF MY PORTFOLIO (no melting down) to pay these bills. That in the matter of weeks what ever expense i have will be recouped from distributions.

I am sure many of you whom are retired and your wise investments have made your retirement that life of complete financial freedom to do what ever you want.... WELL... thanks to my income portfolio I built for myself... I cant explain how amazing a feeling it was to just let go and enjoy and not worry "how much will that cost". NOW I need to keep this mindset and to it more often!
170 reactions • 52 comments
User profile picture@blossombriefs • 4dHDIV Deep Dive | Questions You Want Answered 😁I'm working on an ETF deep dive into $HDIV, one of the most requested ETFs. I want to know what YOU actually want answered.... not just the advertised yield or how much it pays every month. I want to dig into the numbers and the questions that matter to YOU.

How sustainable are the distributions? How much comes from return of capital? What are the underlying holdings actually doing? How does the leverage affect risk? Is HDIV delivering enough total return to justify its costs and complexity?

Those are just a few starting points and examples....

What are the HARD questions you want me to answer? And as always, this is open to all, whether you're a holder, thinking of buying it ... or skeptical of the whole covered call strategy. I'd love to hear what you want to know and then i'll do my very best to separate the marketing from the data.

Ps. The tougher the questions, the better 😏
62 reactions • 73 comments
User profile picture@blossombriefs • 4d🎯 $150,000!!! I can hardly believe it!Back in February 2024, at 49 years old, I started my investing journey with exactly $0.

Fast forward just over two and a half years, and I’ve officially crossed the
$150K milestone! 🥳

This includes my RRSP, my TFSA, and some cash I’ve temporarily parked on the sidelines, ready to be invested in early 2027.

What amazes me most isn’t just the number. It’s how far I’ve come in such a relatively short time. No magic formula. No shortcuts. Just regular contributions, patience, and a commitment to keep investing, regardless of what the market is doing.

And of course, plenty of learning (and experimenting!) along the way. Those of you who’ve followed my REQT journey know exactly what I mean! 😂

And I have to give a huge shoutout to this amazing Blossom community! ❤️ Being surrounded by people who share the same passion for investing, exchanging ideas, learning from each other, and celebrating each other’s wins has genuinely helped me stay focused and motivated. You guys have been a big part of this journey, and I’m incredibly grateful for that!

If there’s one thing I’ve learned over these past two and a half years, it’s that consistency really does pay off! 💪

Next stop:
$200K! 🚀
117 reactions • 30 comments
User profile picture@blossombriefs • 2d$50/day in dividends 👀How much money does it ACTUALLY TAKE to make $50/day in dividends??? I did the math and I’ll walk you through it step by step 🫣💰

Doing this example with
$ENB!

Let me know in the comments which stock I should do next 😍
68 reactions • 36 comments
User profile picture@blossombriefs • 1dReal Wealth ❤️When I was young, I chased money, I thought about wealth in terms of numbers. Growing my portfolio, reaching milestones, and getting closer to financial independence. But recently.... life has a way of reminding you what truly matters.

I spend years building wealth for the family, chasing the next milestone, and working towards financial freedom. But at the end of the day, what good is financial freedom if you forget what you're working so hard for... I cant stress it enough, spend time with family the time we spend together, and being there for the moments that matter most. Money is simply a tool to buy back our time and create more freedom for the people we love.

i gotta admit, Ive been so caught up in building my future sometimes that I forget to enjoy the present.

Having my wife, my 2 healthy kiddos, enough money to travel, have food on the table, pay all our bills, roof over our heads, thats real wealth. ❤️
78 reactions • 22 comments
User profile picture@blossombriefs • 4dLiving in Vancouver or Toronto I spoke to a police officer today in the lower mainland who had a 300k down-payment for his house in Chilliwack, BC and his monthly mortgage payment is still $4500....thats 3 times my mortgage payment and we make roughly the same salary.... I literally don't know how folks out in Vancouver and Toronto do it? Unless someone has rich parents or living in tiny places... is everyone else just house poor? 29 reactions • 49 comments
User profile picture@blossombriefs • 1d🔵🍂 Harvest High Income Shares Distribution (Nov)Well.. yesterday wasn't a very fun day in the markets. 🥲

While most said September was going to be a bad month in the markets, it seems like it was delayed by a month and instead it was October being the bad month. Though there's still 1 more week left in the month, and it's a packed one.

Among the names reporting earnings next week will be: Visa, Google (Weds), Microsoft (Weds), Amazon, Eli Lilly, Mastercard, Intel, Sandisk, Exxon, Chevron, and others.

Then not to mention also a Federal Reserve interest rate decision in the middle of the week on Wednesday, Oct 28th.

The week after on November 3rd will then be the U.S. midterm elections.

So.. there's going to be lots of catalysts to move the markets in the coming weeks!

As for crypto, it's kind of been stuck in this range. Bitcoin seems to have hit a ceiling around the mid-
$80K range and can't seem to get through it yet. This past month it is down -5.16%.

----------

As of the inception date Jan 16 2025 to the close of October 22nd 2026 ..
📈 HHIS Total Return: +32.55% with 2026 YTD being +11.19%
📈 QQC Total Return: +34.39% with 2026 YTD being +17.31%

Starting this month onwards I'll be including some new charts to showcase this section, and that's because of the new FREE resource I've built in the last few months is now available:

https://coveredcalldirectory.com/go/b

This has been a project I've spent countless hours on and have funded all myself so far. But I hope that the result is something you can all find useful and would like to support through Ko-fi. Many thanks to those who have donated so far! ☕

But back on topic, shown below will be a few charts to compare the performance between HHIS and QQC. Just be reminded that they are not direct comparisons, as one is a concentrated mix of mostly tech + crypto and while the other one is the Nasdaq index itself.

In the first chart it will be the 'Total Return' between HHIS and QQC. This would be the price return, plus all the distributions received as cash without reinvestment. And with this recent sell off, it has now brought their returns since inception within ~1.84% of each other.

The next chart will then be the 'Compound Return' and that is where all the distributions were then reinvested back into the ETF for more shares. And in this case, HHIS is outpacing QQC by about ~6.23% overall since inception.

That's not to say all has been rosy though, because your timing plays a role too with the returns that you see. And that's where the next 2 charts will show you the 'Total Return' and 'Compound Return' for 2026 year-to-date. And while HHIS is behind in returns for this time period, it has been slowly gaining ground on the index. I think if we see crypto continue its rally through this
$80K range and towards year end, it'll potentially help HHIS overtake QQC. No guarantees though of course!

For fun, I also attached what it would look like based on a
$10,000 investment at inception for both of them, and your HHIS position would have grown to approximately $14,077 so far.

If you'd like to generate your own charts to share like these ones, you can find the 'Share' button on the right-side above the chart on the website. 🙂

Now for what you're here to see.. the distribution amounts!

🟢 PLTE increased +11.11% to
$0.50 (Previously $0.45)
🟢 SHPE increased +26.32% to
$0.24 (Previously $0.19)
🟢 TDHE increased +6.67% to
$0.16 (Previously $0.15)
🔴 CCOE decreased -19.23% to
$0.21 (Previously $0.26)
🔴 AEME decreased -8.00% to
$0.23 (Previously $0.25)
🔵 LLYH stays the same at
$0.14
🔵 AMZH stays the same at
$0.16
🔵 MSFH stays the same at
$0.12
🔵 NVDH stays the same at
$0.20
🔵 LLHE stays the same at
$0.165
🔵 AMHE stays the same at
$0.20
🔵 MSHE stays the same at
$0.14
🔵 NVHE stays the same at
$0.25
🔵 MSTY stays the same at
$0.08
🔵 CONY stays the same at
$0.13
🔵 TSLY stays the same at
$0.15
🔵 METE stays the same at
$0.15
🔵 AMDY stays the same at
$1.15
🔵 AVGY stays the same at
$0.35
🔵 CNYE stays the same at
$0.15
🔵 COSY stays the same at
$0.10
🔵 GOGY stays the same at
$0.30
🔵 MSTE stays the same at
$0.09
🔵 NFLY stays the same at
$0.10
🔵 APLE stays the same at
$0.22
🔵 CRCY stays the same at
$0.16
🔵 HODY stays the same at
$0.20
🔵 RDDY stays the same at
$0.15
🔵 SOFY stays the same at
$0.12
🔵 HHIH stays the same at
$0.185
🔵 BLKY stays the same at
$0.24
🔵 CRWY stays the same at
$0.45
🔵 JNJY stays the same at
$0.15
🔵 JPHE stays the same at
$0.14
🔵 NOVY stays the same at
$0.15
🔵 ORCY stays the same at
$0.20
🔵 SPXE stays the same at
$0.30
🔵 HHII stays the same at
$0.16
🔵 BCEE stays the same at
$0.14
🔵 CNQE stays the same at
$0.26
🔵 ENBE stays the same at
$0.13
🔵 RYHE stays the same at
$0.14
🔵 SUHE stays the same at
$0.27
🔵 TEHE stays the same at
$0.07
🔵 HHIC stays the same at
$0.20
🔵 🧺 HHIS stays the same at
$0.27

Ex-Dividend Date: October 30th
Pay Date: November 6th

A relatively small list of updates for this month compared to the past few!

And really, for the U.S. side of things it's just Palantir that's going to be seeing an increase. In the past month it's currently up +2.24%, but it's seen a strong recovery over the last 6 months at +38.43%. This has brought it's IV back to an elevated level, along with the underlying stock appreciation.

Next up is Shopify, and this one has been a whipsaw after it was decreased last month, it's now recovered and increased higher than the previous distribution amount of
$0.21. This has had a strong month going +18.34% and is basically at their all-time high, so that probably had something to do with it.. 😂

The same can be said for TD Bank and its performance as well. In the past month it is up +3.13% and also is at their all-time high. What a great time it's been for the Canadian banks.

For the two decreases it'll be in Cameco and Agnico Eagle Mines. After what was an amazing 2025 for both of them where Cameco was up over 78%, and Agnico Eagle was up over 116%, they've been somewhat struggling this year. Cameco is down -14.92% in the past month, and Agnico Eagle is down -10.89%.

And now for those who are interested in the AUM comparisons, here are some of the other popular covered call ETFs and their current AUM since the last time I posted about these:

🔵👑 HHIS -
$2213.51M (Previously $2084.38M)
💰 HDIV –
$1977.2M (Previously $1943.8M)
💰 HYLD –
$1376.0M (Previously $1400.7M)
💰 HDIF –
$570.13M (Previously $572.37M)
💰 QQCL –
$381.21M (Previously $387.39M)
💰 BIGY -
$380.82M (Previously $386.11M)
💰 USCL –
$246.68M (Previously $249.64M)

While there isn't any movement this month, there are some notable changes to be aware of. And it's the result of something I had to pay close attention to as I built the ETF pages for the Covered Call Directory.

You'll actually see this up above in the AUM number for HHIS, and that's going to be the notable jump when compared to last month's value. Through the exercise of inputting all the ETFs into the Covered Call Directory, this is actually a common occurrence that providers have done when they have multiple classes of a fund -- and that is to show the combined AUM total between all of them.

As HHIS has a USD counterpart in HHIS.U it looks like they've now also decided to combine their AUM totals together, which is likely why there is a decent jump this month in AUM value. I could be mistaken, but I'm fairly certain it is a recent change if it wasn't something they changed in this past month.

They aren't alone on this list too, because HYLD also does this where HYLD.U's AUM is part of a total combined value as well.

So this is just something to now keep in mind as it does skew the comparisons a bit going forward.

Consider giving a follow if you don't want to miss a future post. And don't forget to check out the Covered Call Directory as well, because all the latest distributions from above have now been updated on there.

Thanks and I'll see you next month! 😄🍻

[Edit: Looks like the middle 2 charts are switched, the total return chart YTD should be before the compound chart YTD!]


https://harvestportfolios.com/harvest-high-income-shares-etfs-announces-october-2026-distributions/
50 reactions • 33 comments
User profile picture@blossombriefs • 4dIt’s losing steam! DAMP IT!! $XEQT locked in great profit! ☝️🤑39 reactions • 40 comments
User profile picture@blossombriefs • 1dWho's Buying the Dip?!!The market is red, and I’ve been taking advantage of the opportunity to buy more $XEQT and $VDY 😂 I think I’ve officially maxed out how much I can purchase without leaving myself broke.

I’m curious, who else is buying right now? Are you excited about the lower prices, feeling nervous about the market, or waiting to see how much further it drops?

I know red days can be scary, but if you’re investing for the long term, they can also be opportunities.

Blossom community, what’s your move? Are we buying, holding, or sitting this one out? 🌸

happy investing!
45 reactions • 35 comments
User profile picture@blossombriefs • 2dHas tipping culture in Canada gone too far? 🤔We're celebrating Episode 25 of Financial KarMoe and Moe's birthday 🎂 (not 25! lol)! 🥳🎈

This episode,
@karyungtom and Moe discuss common investing mistakes, covered call ETFs vs. broad-market investing, and why a high distribution doesn't necessarily mean higher returns (Shoutout to @scottsinvesting, @saini, @ian_s whose posts we reviewed). We also answer @griff79's question from Blossom about funding your TFSA for 2027, explore value investing during inflation, and debate whether long-term investors should actually hope for a market crash.

To wrap things up, we get personal with birthday freebies, frugality, and Canada's tipping culture. Is it getting out of hand, especially when picking up takeout or a coffee? 😅

💬 What do you think? Has tipping culture in Canada gone too far? Let us know!
https://www.youtube.com/watch?v=yBthz2Wmr2o
35 reactions • 39 comments
User profile picture@blossombriefs • 5dBarista Fire Achieved 🔥Right around 5 months into my income investing journey and I’ve finally achieved barista fire / semi retirement at only 28 years old. From this point moving forward I will only be working 6 months out of the year as a freelancer and taking the other 6 months to focus on trading, personal development, and protecting my peace. Today marks day one of my 6 months off living in the Philippines 🇵🇭. My distributions are now enough to cover all my living expenses and still leave money to reinvest. This goes to show you that investing isn’t black and white you can invest in different things to achieve different goals don’t ever let the noise throw you off of your mission. Your vision is only for you to see. Cheers from Cebu 🥂.56 reactions • 24 comments
User profile picture@blossombriefs • 3dAlmost at 2,000 shares of XEQT!I get a little ZING of energy every 2nd Wednesday (payday!) as I get to add to my $XEQT positions. ⚡

I need to dial back how much I invest now until the end of the year. I despise old man winter and I'd like to vacation at least 3 weeks this snowy, grey, dark and cold season that's just around the corner so I need cash to stay in my bank account!

I contributed
$392.22 to my non-reg and $300 to my leveraged PLOC non-reg account today bringing my total $XEQT share count to 1,904.

As much as I'd like to hit 2,000 shares by EOY, my new goal is to achieve that mark by my 31st birthday in February.

I have
$36,601.58 in cash that I put away for a car and that I'll use to max out my RRSP in the new year.

If you don't know, my 2019 Accord was stolen on Easter Sunday by a bunch of bandits leaving me with my 2009 Civic (looking back it was a blessing in disguise.)

Unless the Civic gets totaled and given that it only has 160km, it should last me quite a bit longer so I am comfortable with using what's needed from the
$36k I have in cash to invest.

Much smarter to buy the remaining 96 shares in the tax deferred account than my non-reg.

If you're interested in meeting up to talk all things personal finance, see the Facebook group link in my bio and join! I took a break from the group for October but we are to meet in November! 😁
63 reactions • 17 comments
User profile picture@blossombriefs • 4d🟣🍂 Evolve ETFs Distribution (November)(Reposting / testing as my posts seem to be blocked)
Original:
https://www.blossomsocial.com/posts/Evolve-ETFs-Distribution-November__POST-1792450675135-s20BDAMt_8ZzPjptL13xirOdy

Let me know if you can see the one above. 👆🏻

Kicking off the monthly distribution announcements, we have Evolve ETFs!

And in consistent Evolve fashion like usual, there are no changes this month. 😄

BUT.. what I would like to share though is a new resource I've built specifically for income investors that can act as the new hub for all your Canadian covered call ETF investing needs -- and that is going to be the new Covered Call Directory! ✨

https://coveredcalldirectory.com/go/b

I've actually been trying to share this all last week, but Blossom seems to be blocking my last few posts or greatly limiting them to a handful of people. So hopefully this will get through and more people can make use of this (my biased opinion 😅) amazing free resource I've spent the past few months building for everyone.

All of the latest distributions below have now been updated on the website as well, so give it a look! 🙌🏻

Ex-Dividend Date: October 30th
Pay Date: November 6th

— Monthly —
🔵 BANK stays the same at
$0.152
🔵 BASE stays the same at
$0.27
🔵 CALL stays the same at
$0.125
🔵 CARS stays the same at
$0.025
🔵 CFIN stays the same at
$0.20
🔵 CUTE stays the same at
$0.234
🔵 CYBR stays the same at
$0.01
🔵 DATA stays the same at
$0.01
🔵 DIVS stays the same at
$0.076
🔵 EBNK stays the same at
$0.145
🔵 ESPX stays the same at
$0.225
🔵 ETSX stays the same at
$0.188
🔵 LEAD stays the same at
$0.21
🔵 LIFE stays the same at
$0.19
🔵 OILY stays the same at
$0.147
🔵 QQQY stays the same at
$0.32
🔵 TECH stays the same at
$0.0016
🔵 UTES stays the same at
$0.138

----------

1st Ex-Dividend Date: October 30th
1st Pay Date: November 6th

2nd Ex-Dividend Date: November 13th
2nd Pay Date: November 20th

— Semi-Monthly —
🔵 BIGY stays the same at
$0.20
🔵 CANY stays the same at
$0.21
🔵 SIXY stays the same at
$0.27
🔵 INTY stays the same at
$0.26
🔵 EASY stays the same at
$0.255
🔵 TECY stays the same at
$0.18


Consider giving a follow if you don't want to miss a future post, as this is a recurring monthly summary. Thanks and I'll see you soon with more distribution announcements in the coming week(s)! 😄🍻


https://evolveetfs.com/2026/10/evolve-announces-october-2026-distributions-for-ultrayield-etfs-and-certain-evolve-funds/
54 reactions • 22 comments
User profile picture@blossombriefs • 3dThe Grind Is Paying Off!!Happy Wednesday Blossom!

Im only 7% away from reaching my THIRD investing goal of 2026! 🥹💚 This milestone feels extra special because it’s been an incredibly exhausting week mentally and physically. Between adjusting to my new lifestyle, the long commute, and work, I’ve been RUNNING ON EMPTY.

The surplus I invested last week, on top of my usual DCA, accelerated my progress, and I’m so grateful to see my hard work paying off!!! shout out
$XEQT

I’m a huge advocate for work-life balance, but sometimes life puts you in a position where your options are limited, and you have to do what you need to do to get by. My hope is that reaching my financial goals will eventually give me more freedom to reclaim more time and prioritize the work-life balance I want.

That doesn’t mean putting life on hold! I still make time for family, friendships, relationship, weekends, and myself. It’s about finding a balance that works for you.

I’m so grateful for my family, friends, and this Blossom community for keeping me motivated. I wouldn’t be where I am without your support! 🫶🏽

I’m SO excited for next year and the possibility of reaching my
$100K TFSA milestone. I’m already seeing my hard work pay off, and it reminds me that I’m getting closer to the future I want.

Keep working toward your goals, but don’t forget to LIVE along the way!!

happy investing!!
54 reactions • 24 comments
User profile picture@blossombriefs • 1dHow a BMO ETFs Executive Invests Her Own Money!What should investors know before buying covered-call ETFs? Is a high distribution yield really passive income, and how do you know if your investments are actually growing your wealth? In this episode of Moementum Finance, I'm joined by Zayla Saunders, Vice President of Online Distribution at BMO ETFs, to talk about her personal money journey, investing philosophy, and what she's learned from helping Canadians become more confident investors.

Zayla shares how money wasn't openly discussed in her household growing up, how she went from financial planning and mutual funds to believing in broad-market index investing, and how reading "A Random Walk Down Wall Street" book helped change her perspective. We also discuss why she favours low-cost index ETFs, the importance of paying yourself first, and how keeping investing simple can help you build wealth over the long term.

We dive into the growing popularity of covered-call ETFs and income investing, including the difference between distributions and total returns, return of capital, and why NAV erosion is real. Zayla also explains her work at BMO ETFs, how the team supports self-directed investors, and why understanding what's under the hood matters before buying an ETF.

We also discuss ETF overlap, common investing mistakes, market timing, BMO's T-Series ETFs, and how Zayla approaches her own portfolio. She shares her perspective on financial independence, explaining why she values financial autonomy and the freedom to make your own choices. Plus, we talk about spotting red flags in online financial content, building better investing habits, and why you can still enjoy your money while working toward your financial goals.

💬 We'd love to hear from you: If you could go back and give your younger self one piece of money or investing advice, what would it be? Let me know in the comments!
https://www.youtube.com/watch?v=hiUF2bQvs1Y
41 reactions • 29 comments
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