Borrowed $16,000 in the month of August, $1,850 in September and $800 in the month of October to invest in $XEQT. Total = $18,650 Market value of the funds as of now is $18,288.33. Current balance of interest owing is $187.11 🔴Return = -$548.78 I don’t plan on paying this interest balance right now, in order to capitalize it (get charged interest on the interest balance.) Of course, $XEQT is a lifelong commitment so the lack of return so far isn’t a concern whatsoever. As my collateral increases in value, I plan to contribute more to my leveraged position. I have used 85% of the available PLOC. I have $36,601.58 in cash so if I ever need to up the collateralized accounts, I'd be more than glad to purchase more shares at a discount. For the time being, I am saving that money to travel, max out my TFSA/RRSP in 2027 and keep whatever is left over for a new car. I hold a personal finance meetup every month in Montreal. Check out my Facebook group link in bio and join! 😀read more
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I have some upcoming dividends, and it’s amazing to see how far I’ve come! I know I only started investing a few months ago, but I’m still proud to have already maxed out my TFSA contribution room for two years. That means I can’t contribute any more for now, so I’ll simply reinvest all my distributions and let them compound over time. I’m just sharing this little milestone because I’m genuinely thankful for this community, @blossom. Everyone here is always willing to share their thoughts, experiences, and ideas. There’s so much to learn from one another. Thank you, everyone, for being such an amazing community! I truly appreciate you all. What about you tell me your upcoming divs? #followmenow $HHIS$BANK$BIGY$SDAY$CDAY$HBTE$MSTEread more
Wealthsimple has announced direct index investing without picking individual funds on ETFs, that's even come with automated tax-loss harvesting! It's available with non-registered accounts right now starting with $500 and above with annual fees ranging from 0.1% to 0.15% including Canadian as well as US index, and also with US innovation/Tech and international direct indexing. Please drop your thoughts into the comment section whether you think it's a great idea with automated tax loss harvesting which can potentially generate little bit extra returns rather than sticking to ETFs for indexing. $VFV$VOO$QQC$XEQT$VCN$ZCN
October closed with the Nasdaq down 5.3% — its worst month since March 2025 — and Friday's session was the loudest part of it: the index fell 2.86% to a three-month low while the S&P 500 lost 1.82% and the Dow 1.09%. $GOOGL dropped about 12% in a day on negative free cash flow, $INTC had its worst session in 52 years, and $AMZN slid 7% on its AI spending plans. That's the kind of tape that makes every investor answer the same question: is this a dip to buy, or a warning to respect? I don't have a formula, but I have a test. If the reason I bought hasn't changed, a lower price is just a better entry — that's how I sat through the week with my $VFV and $XEQT: nothing about the thesis broke, prices just got cheaper. But if the selloff tells me something about the business I missed, I walk away instead of averaging down. There have been single names where the drop was the information, and I treated them that way. The hard part is being honest about which one it is in the moment. So I'm curious — what's your version of that test? When a selloff hits, how do you decide whether it's a buying opportunity or a warning sign?
Been looking more into the ETF side of my portfolio lately and $XEQT / $ZEQT is currently my main holding, but I’ve been reading about $CAGE and thought it was worth talking about…. $CAGE is an actively managed, all equity ETF from CIBC and Avantis. It provides global exposure with a tilt towards companies trading at attractive valuations and showing stronger profitability. It also includes exposure to smaller-cap valuation stocks, which is interesting…. For someone like me with a long time horizon, I think the strategy is worth exploring….. Anyone else looking into it?
WHAT ARE GOVERNMENTS PREPARING FOR? AND WHY IS EVERYONE TALKING ABOUT DOOMSDAY? Something interesting is happening around the world, and I think Canadians should be paying attention. 🇺🇸 UNITED STATES: The Pentagon’s FORTRESS initiative is reportedly preparing major military bases to operate independently for 90 DAYS if power grids, fuel supplies, water systems and civilian infrastructure fail. 🇬🇧 UNITED KINGDOM: On October 22, the government launched its new Be Ready campaign, encouraging citizens to stockpile emergency food, water, cash and supplies. 🇪🇺 EUROPEAN UNION: Its preparedness strategy calls for at least 72 hours of household self-sufficiency and explicitly addresses military conflict, cyberattacks and infrastructure threats. 🇯🇵 JAPAN: Officials are preparing a nationwide appeal for households to have at least three days of emergency supplies, preferably seven. 🇨🇦 CANADA: Our federal government recommends a minimum of 72 hours of emergency supplies. Now here’s my question. Why is emergency preparedness getting so much attention around the world right now? We know geopolitical tensions are rising. We know cyberattacks can cripple infrastructure. We know how dependent our households are on electricity, fuel, banking systems and supply chains. Does this mean governments know something catastrophic is coming? There is no verified evidence of that. But the Pentagon reportedly preparing military installations for 90 days without civilian support is certainly worth understanding. I’m not interested in spreading fear. I’m interested in facts, transparency and making sure Canadians are informed. Preparedness isn’t paranoia. It’s responsibility. Have you started preparing your household for a prolonged emergency? And do you think governments are doing enough to explain these preparations? 👇 I’d genuinely like to hear your thoughts. #Canada #EmergencyPreparedness #NationalSecurityread more
Since common inception, ECHI continues to lead the Canadian equity income peer group with a +35.05% cumulative total return as of October 30, 2026. It is followed by CDAY (+29.20%), CNCL (+25.44%), CANY (+22.80%), and HHIC (+22.54%). ECHI’s lead over the next-closest peer remains approximately 5.9 percentage points. Over the last 1 year, CDAY (+27.84%) leads, followed by ECHI (+24.12%), CNCL (+22.10%), CANY (+16.79%), and HHIC (+14.71%). Over 6 months, CNCL leads at +9.78%, while over 3 months ECHI (+2.15%) is ahead of CNCL (+1.95%) and CANY (+1.92%). Over the last 1 month, CANY leads at +3.39%, followed by CNCL (+3.07%), CDAY (+2.57%), ECHI (+1.59%), while HHIC declined -1.10%.
📉 Strong market returns don't mean a smooth ride. Over the past 20+ years: 📊 98% of S&P 500 stocks experienced a drawdown during the year. 📉 83% declined at least 5% from their starting price. Even in strong market years, individual stocks experience volatility. The takeaway: Volatility is inevitable. Discipline, diversification, and staying invested matter. #Investing #SP500 #StockMarket #Volatilityread more
Over that last year, SDAY leads the U.S. equity income peer group with a +24.48% cumulative total return, followed by USCL (+14.09%), HYLD (+13.68%), while HHIS (-0.59%) and BIGY (-15.74%) are negative as of October 30, 2026. The wide dispersion highlights how differences in leverage, option overlays and portfolio construction can materially affect outcomes across strategies targeting a similar U.S. equity-income objective. Over the last 6 months, SDAY (+17.71%) also leads, followed by USCL (+11.14%), HHIS (+9.89%), HYLD (+7.32%), while BIGY (-3.33%) trails. Over 3 months, HHIS leads at +8.11%, followed by BIGY (+7.65%) and SDAY (+7.03%). Over the last 1 month, SDAY (+7.87%) is the only positive strategy, while USCL (-2.81%), HYLD (-4.38%), BIGY (-5.15%), and HHIS (-7.34%) declined.
Over the last 1 year, XDIV leads the Canadian dividend ETF peer group with a +44.20% total return, followed by VDY (+41.08%), XDV (+37.54%), XEI (+36.46%), and ZDV (+32.31%) as of October 30, 2026. XDIV’s quality-dividend approach has maintained a meaningful advantage across the period. The shorter-term numbers show similar leadership. Over 6 months, XDIV leads at +16.42%, followed by VDY (+12.48%) and XDV (+12.47%). Over 3 months, XDIV returned +4.28%, well ahead of the peer group, while over 1 month it again leads at +7.00%, followed by XEI (+5.06%), VDY (+5.00%), XDV (+3.41%), and ZDV (+2.44%).
Since common inception, Canadian all-equity ETFs remain tightly clustered, with ZEQT (+13.58%) leading, followed by XEQT (+13.37%), FEQT (+13.30%), VEQT (+13.17%), and CAGE (+12.47%) as of October 30, 2026. The narrow spread reinforces how similar the underlying global equity exposure is across these portfolios, with differences largely driven by regional allocation, factor tilts, and implementation. Over the last 1 year, FEQT (+16.44%) leads, ahead of XEQT (+14.41%), ZEQT (+14.39%), and VEQT (+14.32%). FEQT also leads over 3 years (+24.42%) and 6 months (+7.22%). Recent performance has softened, with all five funds negative over the last month; FEQT (-0.52%) held up best, while ZEQT (-2.22%) experienced the largest decline.
Is leverage the secret to building wealth faster? Is it a blessing or a curse? In this video, I'm breaking down 3 different ways to use leverage, from highly leveraged ETFs to modestly leveraged ETFs and margin investing. I'll also show you how I'm personally using leverage in my portfolio and why I like modestly leveraged covered-call ETFs. And here's a little bonus question... 😂 Can anyone guess the inspiration behind this video's thumbnail? Drop your guesses in the comments! 👀🔥 Check out the video here: https://www.youtube.com/watch?v=XfP-exc9M5w As always, thanks for the continued support! Don't forget to like and subscribe, and follow my journey to financial freedom! 📈read more
$HYLD holds 9 underlying ETFs ($SDAY$QDAY are the most recent additions) with 150 stocks in total. So why does it have the concentration of just 38? That’s what caught my attention when I dug into ALL its holdings. When I calculated HYLD’s effective number of stocks, I got just 38. In other words, despite holding 150 individual stocks, the weighting makes it behave more like a portfolio of 38 equally weighted stocks. And the concentration gets less income like and more growth like.... The top 10 stocks make up 40.7% of HYLD. The top 20? 65.6%... And the bottom 50 stocks? JUST 4% of the portfolio. So yes, HYLD owns a lot of stocks. But the number of holdings doesn't tell you much without looking at how they're weighted in the portfolio. Then theres the sector exposure...... Technology accounts for roughly 39% of the portfolio, with names like NVIDIA, AMD, Broadcom, Micron and Palantir among its major holdings. There's nothing inherently wrong with owning these companies. However, it does raise an interesting question about how diversified HYLD really is. Is it a diversified high income ETF...... or is it essentially a concentrated U.S. growth portfolio with leverage and a covered-call strategy layered on top? I dug into all of this in my latest HYLD ETF deep dive, along with its 12.5% yield, distributions, performance, fees, leverage and risk and answered some of the questions you asked. And I also built a custom benchmark to see how HYLD stacks up against a portfolio with similar characteristics AND leverage. https://youtu.be/dgUcuQmB48k If you were buying HYLD primarily for its monthly income, would this level of concentration change how much you'd be comfortable holding in your portfolio?read more
Vanguard ran the numbers across decades: lump sum beat spreading it out 68% of the time in the US, by about 2.4% on average over a year. That still does not make DCA dumb. If going all in now would keep you up at night, drip feeding $VOO from each paycheck beats sitting in cash every time. I am team get invested & stay invested. Waiting for the perfect dip usually just costs you time in the market. Got a chunk of cash sitting there right now, are you dumping it all into $VOO today or dripping it in? Where do you stand?
My core is $VOO , about 500 of the biggest US companies. Hard to argue with that, and I am not selling it. But $VXUS holds about 8,800 stocks from 40+ countries outside the US. That is a whole different kind of diversification. US only keeps it simple. Going global spreads the bet. Long term buy & hold for me either way. Home team or world tour, $VOO only or $VOO plus $VXUS? Where do you stand?
Building the foundation for the long run, one dip at a time. 💼📈 When the market dips, I always make sure I have a little extra cash set aside to take advantage of the discounts. Yesterday was no exception, I used my "rainy day" investing fund to scoop up some more shares of these ETFs: @QQQM (Nasdaq 100) @IQQ (Nasdaq 100) @SCHG (US Large-Cap Growth) What about you? Are you buying the dip, holding steady, or just watching from the sidelines? read more
When comparing ETFs, most investors look at performance, dividends, and holdings. But there’s another number you shouldn’t ignore: the expense ratio. Let’s say you invest $100,000 in two ETFs: * ETF A charges 0.03% annually. * ETF B charges 0.75% annually. That’s a difference of $720 per year on a $100K portfolio, before considering how fees compound over time. And if you’re holding that ETF for 10, 20, or 30 years, those costs matter. Here’s what I look at before buying an ETF: 1. Expense ratio: How much am I paying annually? 2. Total return: Has it actually performed well? 3. Holdings: What companies am I getting exposure to? 4. Strategy: Is it passive, actively managed, or using options? 5. Distribution quality: Is the income sustainable? A high-fee ETF isn’t automatically bad, and a low-fee ETF isn’t automatically good. The goal is to make sure the value you’re receiving justifies what you’re paying. Question: Would you pay a higher expense ratio for an ETF with a strategy you genuinely believe in, or do you prefer keeping fees as low as possible? Educational content only. Not financial advice.read more
Just for information purposes, $FEQT has been rebalanced to its neutral positions this week! A rebalancing is initiated whenever the portfolio deviates from its neutral mix by greater than 5% between annual rebalances. Interesting! 📉📈
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What do you think about this?
It's a great idea!
I prefer individual ETFs rather than direct indexing
