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@blossombriefs • 3d Blossom Is FULL of CriticsThe investing world is an endless loop of critics, especially here...

Value Investors judge Indexers ($XEQT , $VOO , $VFV ) "Why pay fees for hundreds or thousands of overvalued stocks? Pick discounted companies yourself."

Indexers judge Covered Call Investors ($HDIV , $QDAY , $TSPY ) "Why pay higher fees and cap your upside just for monthly or twice a month distributions?"

Covered Call Investors judge Single Stock CC Investors ($MSTE ) "Too concentrated! Too risky! Just buy the underlying asset $MSTR "

$IBIT Investors judge $MSTR buyers "Too much leverage! Just buy Bitcoin."

Bitcoin Cold Storage Holders judge ($IBIT ) holders "Not your keys, not your coins. Get a cold wallet."

Cold Wallet holders... "Hackers just drained over $130 million from hardware wallets starting in July...damn"

The truth? There will always be someone telling you that your strategy is wrong.

Who cares what anyone else thinks. Do extensive research, and then invest the way that makes sense to you and your life.

Happy Investing Everyone! 🚀217 reactions • 99 comments

@blossombriefs • 4d Would you ever borrow to invest?!I borrowed $35 ,000 to invest in XEQT using a Wealthsimple Portfolio Line of Credit (PLOC) — and after about one month, here's exactly how it's going. 📈💰

In this video, I share my real experience with borrowing to invest, including my current XEQT return of +1.85%, approximately $92 in accrued interest, and my plan to pay the accrued interest at the beginning of every month. I also break down what my estimated ~$120 monthly interest cost could look like if I keep the full $35 ,000 borrowed.

But this isn't a video about saying that borrowing to invest is a good idea for everyone. Quite the opposite.🙂 I talk about the risks of using leverage, what happens when markets fall while your debt remains, how a Portfolio Line of Credit works, how borrowing limits are calculated, and why having a long time horizon, strong cash flow, and a high tolerance for risk is so important.

I also discuss one potential advantage for Canadian investors: the possibility of deducting investment-loan interest for tax purposes when CRA requirements are met. Tax deductibility depends on how the borrowed funds are used and other CRA rules, so always consult a qualified tax professional about your own situation.

My $35K PLOC investment is essentially an ongoing experiment that I'll be documenting on Moementum Finance. I'll share the good, the bad, the interest costs, the market downturns, and ultimately whether borrowing to invest was worth the risk.

⚠️ DISCLAIMER: This video is for educational and entertainment purposes only and is based on my personal experience. It is not financial, investment, tax, or legal advice. Borrowing to invest involves significant risk, including the possibility of losing money while still owing the borrowed amount. Do your own research and consult a qualified professional before making financial decisions.

💬 I'd love to hear from you: Would you ever borrow through a Portfolio Line of Credit or a Margin account to invest in the stock market — or is the risk simply not worth it for you?
https://youtu.be/wYpIrbwtJ5k129 reactions • 81 comments

@blossombriefs • 3d 🇨🇦 Canadian Financial Cheat Sheet If you talk to @jesswang she will tell you that I have financial thoughts in my head all the time, so after 10yrs of investing in the markets, reading blogs, books, listening to podcasts etc and becoming a millionare at 30yrs old here are some of the finanical knowledge that we've gained to help grow wealth in Canada

• TFSA: $7 ,000 of new room each year. Invest inside it and let your growth + withdrawals stay tax-free. (Wife and I at over 430k in TFSA, invest early!)

• FHSA: Up to $40 ,000 lifetime. Contributions can reduce your taxable income, and qualifying first-home withdrawals are tax-free. (Never used this since we bought in 2021)

• RRSP: You can generally contribute up to 18% of your previous year’s earned income, subject to the annual limit. Great tool when you’re in a higher tax bracket. (RRSP is maxed for us each year and we take the tax return and put it towards the following year again)

• RESP: The government can add a 20% CESG on the first $2 ,500 contributed per child each year. That's up to $7 ,200 in grants per child over time. (My 4yr old has 30k and 2yr old has 11k, take advantage of the government match)

• CPP: You don't have to take it at 65. Waiting until 70 increases the monthly payment substantially. (I plan take it at 70)

• OAS: Same idea — delaying OAS to 70 can increase the monthly benefit.

• Credit cards: Use them for convenience and rewards, not to carry debt. Pay the balance in full every month. (I use credit cards for everything, I have a wealthsimple cc 2% back on everything)

• Housing: Don’t just ask, “What will the bank lend me?” Ask, “What payment can I comfortably afford?” (Get a broker, shop for rates, itll save uou money)

• Investing: Keep it simple. Broad-market, low-cost ETFs can be an incredible long-term strategy. (4 ETFS make up 80% of my portfolio)

• Emergency fund: Keep enough cash available that an unexpected expense doesn't force you to sell investments at the wrong time. Or just invest it into xeqt like myself lolol or keep cash...

• Lifestyle: Every raise doesn't need to become a bigger house, newer vehicle or more expensive vacation. (We live pretty below our means still)

• Savings rate: Try to increase it over time. Even going from 10% → 15% → 20% can make a massive difference. (Prior to keys our savings rate was around 65-70% with a peak or 78% in 2020 during covid)

The Canadian financial system has a LOT of tools available.The hard part isn't knowing they exist. The hard part is actually using them. 🇨🇦

Speaking of learning about money and connecting with other investors…

I’m hosting the first-ever Blossom Meetup in Saskatoon on Saturday, October 3rd! 🎉

If you’re from Saskatchewan (or anywhere else and want to make the trip 😂), come hang out, meet other investors, talk personal finance, and network.

It’s FREE and everyone is welcome!

Event link will be in the comments below! 134 reactions • 32 comments

@blossombriefs • 5d Why Do You Personally Own SCHD? 🤔I want to know, seriously? Is it the dividend (distribution)? The performance? The low fees?
Or did you eventually see enough people on the internet say something like, “$SCHD is the best dividend ETF ever". And ,you figured, 400,000 Redditors and YouTubers couldn't possibly ALL be wrong? 😅

Either way, there's something about SCHD that I believe many investors don't fully appreciate.

Recently, 22 stocks disappeared from the ETF.... big names like Cisco and AbbVie... bye bye 👋
And they weren't replaced with the same old names

So us investors need to ask ourselves....If I'm buying SCHD for the long term... do I actually know what I'm buying for the long term?

The reason is that SCHD is NOT a static portfolio of dividend growth stocks. And depending on WHY YOU OWN IT, some of what I found might matter more than you think. For example, here's something interesting about its performance.

SCHD looked remarkably strong when the market was getting hammered.... Then the market environment changed... And so did the SCHD story.
Why... why, WHY? You need that answered

And then there's the dividend (distribution)....
I've seen SCHD described as the perfect retirement ETF because you can supposedly live off the income and never sell a share... Sounds like the perfect solution to a difficult problem.
However... is that actually the best way to think about retirement income?

And if you're Canadian, there's another question you should probably ask before buying it...
Which account is the best for a high yield ETF like SCHD?

In my latest deep dive, I put SCHD under the microscope...
No “SCHD is amazing, buy it now” nonsense that you see on tikytoktok from me as you know 😂
I just go into the methodology, the numbers, the risks, the tradeoffs and my honest verdict/opinion at the end...

ALWAYS remember, even a beautiful, high quality shoe can still be a TERRIBLE FIT 👠

So why are YOU invested in SCHD or why are you thinking about it?

https://youtu.be/B2kxkIyHjPk54 reactions • 74 comments

@blossombriefs • 3d Another Great Monday! (+$525💵✅)here we are again!! LAST MONDAY AT WORK before I go back to school for the year 🫡.

Gonna make this a good week, there’s no better way to start the week off other than investing!!!

Officially hit over $48 ,000 invested, my new goal is to hit $50 ,000 by the end of september, and let me tell you, it’s in sight👌🏼. I can’t wait to hit it.

I invested $525 this monday and, like every week, I invest 70/30 spilt into my FHSA and RRSP.

This week that totalled out to:
$367.50 to $XEQT in my FHSA
$157.50 to $VFV in my RRSP

Can’t wait to start school again that’ll be really fun! Also I have 3 jobs at my university this year so I’m also excited for that and to be able to make good money as well.
95 reactions • 43 comments

@blossombriefs • 2d 🔥 I love the Beevis daily summaryI’m obviously biased but I find the Beevis daily summary so useful… love the personalized news about my portfolio (even when my portfolio is getting smoked 😅)

P.S. We also updated the PRO geography widget to combine stocks and ETFs into one view + have a portfolio overlap widget coming in 2 weeks 🫡

#1 focus is still the feed improvements (which are well underway) but thought I’d share these quick updates105 reactions • 30 comments

@blossombriefs • 1d Is Your Money Working For You Or Against You? We’ve been taught how to work for money. Not how to make money work for us.

Someone recently asked me:

“How do you keep adding money to your investments when you’re not working?”

It made me realize how big the gap in financial knowledge is.

Most of us are taught:

Work → get paid → spend → save what’s left → repeat.

And when you want more money? Work more.

But there’s another way:

Earn → invest early and often → compound → let your capital produce more capital.

Once your money is invested, it can potentially work for you in several ways:

📈 Appreciation: investments increase in value
💰 Dividends & distributions: investments pay you income
🏦 Interest: your money earns interest
🏢 Business ownership: you participate in the growth of companies
🏠 Real estate: appreciation + potential rental income
🔄 Compounding: your returns start generating their own returns
🧾 Tax efficiency: you keep more of what your money earns
💻 Income-producing assets: assets can generate money without trading hours for dollars

I’m retired, and so far this year, my investments have grown and generated roughly $200 ,000 in value and income.

I didn’t work a 9–5 for that money. My capital was working for me.

And this is the part I wish more people understood:

The goal isn’t simply to save money so you can eventually stop working.

The goal is to invest early, invest often and give your money enough time to compound, so eventually your investments can help pay you instead.

That’s when your money can start buying something even more valuable than things: Your time. Time to travel. Time with family. Time to pursue what you love. Time to simply enjoy the life you worked so hard to build.

We’re taught how to earn a living. We should also be taught how to build capital that can eventually earn a living for us.

Were you taught this growing up?111 reactions • 27 comments

@blossombriefs • 4d My retirement portfolio update Aug 2026Aug Income: $19 ,185.66
YTD: $154 ,988.52

My portfolio is now 3 yrs old and doing exactly what I wanted to do during my retirement.
Total return now at over 84% or $945 ,000
as I continue to withdraw monthly.

I did reduce some more risk to my portfolio by selling 30% of my $HHIS position.
The funds were directed into $ZWT as I’m still building out this position. I will always look for opportunities to do again in the future.

Posts:
Our borrow to investment program 2.0
2K followers
I sold 30% of my HHIS position
3yr Portfolio anniversary

Buys:
$ZWT
$UTIL
$HEQL
$IDVO

Sell:
$HHIS

I am currently maintaining a steady monthly income around 19K which is more than twice my needs.
Income is not my flex but total return which is the golden standard for all investors.
All my retirement updates will be tagged to the new “retirement “ option.

Screen shots:
Monthly dividends and YTD
Market value
Total return
Top 10 total return

Stay engaged and stay invested 💹

Always do your own research 🧐 and analysis 📊
83 reactions • 28 comments

@blossombriefs • 2d I’m a Millionaire. It’s Not What I ExpectedI’m a Millionaire. It Doesn’t Feel Like I Thought It Would.

Here’s something that feels strange to say.

By the traditional definition of net worth what we own minus what we owe our household would technically be considered millionaires.

I’m not saying that as a flex. In fact, that’s kind of the point.

When I was younger, a millionaire meant big houses, fancy cars and expensive vacations.

Basically, Lifestyles of the Rich and Famous.

If you just heard Robin Leach’s voice, congratulations …..you’re probably my target audience.

But being a millionaire at 53 looks surprisingly… normal.

We have investments and equity in our home. We also have a mortgage, and I still get up and go to work.

What got me thinking about this was my friend @williamwang23 Will’s recent post about becoming a millionaire in his early 30s.

That’s an incredible accomplishment.

But what really stands out to me is that Will became curious about money early. He learned, saved, invested and, most importantly, gave his money time.

I didn’t start DIY investing until I was 50.

We saved and built home equity, but I didn’t become curious enough about investing and money until much later.

And I have to give @moementumfinance Moe credit for the word curious.

He talked about it during our panel at BlossomCon, and it really stuck with me.

Over the last three years, I’ve asked more questions, learned more and become much more financially literate.

I’ve also made mistakes.

I’ve posted things that weren’t quite right, and people here have corrected me. I’m good with that.

Being financially literate doesn’t mean knowing everything. It means being curious enough to ask questions and open enough to learn from the answers.

I wish I’d figured that out at 30 instead of 50.

Because Will and I might technically carry the same “millionaire” label today, but he’s given his money decades more time to compound.

That’s why the number itself is so relative.

Our goal is still to build a $1 million+ investment portfolio by retirement. On paper, our net worth could eventually be well into the millions.

But we’re not planning a Lifestyles of the Rich and Famous retirement.

We want to travel, enjoy our time, help our kids when we can and have enough that money gives us choices.

And maybe that’s the funny part.

Technically, I’m already a millionaire.

But we’re still working toward becoming what younger me thought a millionaire was.

Not the mansion or the yacht.

The freedom. The security. The choices.

Maybe that’s what being wealthy really means.

What does being a millionaire mean to you? 71 reactions • 32 comments

@blossombriefs • 5d Portfolio 3 yr anniversary During 2023 I completed my salary continuounce and the complete detachment of the company I spent almost 30 years with.
This included the transfer of my non-reg RRSP and commuted pension.
All assets were transferred to my broker as a began to build a CC dominated portfolio for my future retirement.

I continued to add to this portfolio TFSA and RRSP until the end of 2024 before converting to LIF / RRIF to start 2025.

During the past 3 years including all withdrawals, My portfolio has a total return of 84.42% or a CAGR of 22.63%

I hold a cash wedge of over $100 ,000 in $HISA secured to my LIF / RRIF accounts for future downturns as a buffer to ensure my mandatory withdrawals are secure or purchase assets at a discount.
This may sound like a lot but it’s 5% of a 2M portfolio.

I continue to purchase assets $ZWT $UTIL $HEQL and $IDVO at a lower div rate to maintain a 19K a month dividend yield which is more than twice my income needs.

My current YTD performance is over 19% or $326 ,000.

I spent 30+ years holding mutual funds, single stocks and low dividend paying ETFs but over the past 3 yrs my portfolio has a total return of over $945 ,000.

When people think that your investment strategy is not optimized to be successful in the future. You do what works for you and ignore the noise!

Your investments don’t stop when you retire, it’s just another part of your investment journey!

Happy 3 yr portfolio anniversary!!!87 reactions • 21 comments

@blossombriefs • 4d Tomorrow is Tim Cook's last day as the CEO of Apple $AAPL

The man that took it from $350B —> $4.7T in his 15-year tenure.

Truly an end of an era.

At the end of the day.. Tim Cook cooked.98 reactions • 12 comments

@blossombriefs • 4d I Invested in TodayWe talk a lot on here about what we’re investing in, how much we’re putting away and how we can grow our portfolios.

@jesswang this photo is for you and @williamwang23

Today I did a different kind of investing.

I went for a walk with my family, we had breakfast together and then I went fishing with my son. Tonight it’s movie time with popcorn at home.

Nothing exciting and we really didn’t spend much money.

But it was a great day.

I started investing seriously at 50, so I know I have less time to grow our wealth. That’s one of the reasons I invest as much as I do.

But having less time works both ways.

I don’t want to be so focused on putting every extra dollar away for tomorrow that I forget to enjoy what I have today.

And enjoying today doesn’t have to mean spending a bunch of money.

Today was a pretty good example of that.

I’m still going to invest aggressively and keep working towards our goals. That’s important to me.

But so is this.

How do you find the balance between investing for the life you want tomorrow and making sure you’re enjoying the life you have today? 73 reactions • 29 comments

@blossombriefs • 1d If you HAD TO buy only one stock for all of September, which one would you buy? 🤔

…and you can’t pick an ETF.29 reactions • 56 comments

@blossombriefs • 5d Life design > Withdrawal rate successA dogma is defined as a principle or set of principles laid down by an authority as incontrovertibly true. In the retirement space, no dogma is bigger than the 4% safe withdrawal rate.

Withdrawal rate

I previously posted on how the 4% SWR is obsolete. The macro environment is different now. A sustainable portfolio is not determined by withdrawal rate alone. Investment return must be large enough to cover the cash flow. In Bengen's study, the long-term nominal return of a 50/50 portfolio is 8.3%-8.7%. 4.3+% of your portfolio after withdrawal each year is a lot of money left on the table. Are the low-cost index bros compounding this annual opportunity cost to 30 years from now? 1.043^^30=3.54. You're welcome.

The number to monitor is the delta of rates between return and burn. The return comes from your risk appetite. The burn has to cover your needs and wants. You admire a return, but cash flow buys food. As per Snowball, my income portfolio is delivering 18.05% IRR and 16% yield on cost, or 89% monetization efficiency. I use about 70% of the yield. To me, the high MER in cc ETF is worth it. I cannot DIY this result.

Life design > "Success"

In Bengen's study, success is defined by not running out of money 30 years later. In most simulated runs, a 4% withdrawal will result in portfolios ending up larger. If the money is in an RRIF, how is paying 53% (Ontario) to the CRA a success? Dying with regrets, to me, is an utter failure.

In retirement, you are managing two hourglasses: money versus healthy years. It is impossible to predict how a person transitions from go-go to slow-go, and from slow-go to no-go. But you certainly cannot go backwards to slow-go or go-go. There are obvious signs like unaffordable travel insurance or being unable to renew a driver's license. These come suddenly and unexpectedly. Will you be selling shares when you cannot even drive?

My definition of success is living a rich life at whatever stage. Right now, it is bucket-list travel with my family. It also includes enabling my son's future in Canada, Japan, or wherever. In the go-go years, my life design requires more than a 4% withdrawal. This is why I invest the way I do.

$HYLD $HDIV $QDAY $BANK $HHIS $QQQY $BIGY 33 reactions • 54 comments

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