Congrats $SCHD on reaching another new all-time high today. 🎉 Great to see as a long-term shareholder who bought heavily when it was on discount. 😎 (Disc: I’m long $SCHD. Not investment advice.)
As crazy is it seems I still need more $AMZN shares! Never been more bullish… Anyway here is a portfolio snapshot of my “TAXABLE” brokerage account on the good ole $HOOD ! Enjoy 🔥
I wanted to see how HHIS (Harvest Diversified High Income Shares ETF) stacks up against 9 other Canadian-listed broad-market income ETFs. Here's what caught my attention: 🔥 HHIS offers the highest forward yield at 27.03%, but ranks only 7th out of 10 in total return. 🏆 HDIV leads at +26.80%, despite offering a much lower 10.04% yield. 📊 HHIC stands out with a 17.39% yield and +20.72% total return. My takeaway: HHIS is clearly attractive for investors prioritizing immediate cash flow, but several competing broad-market ETFs have delivered stronger total returns with lower headline yields. Again I still love HHIS and it is my top holding as of today.read more
📈 My investment strategy is boring. And honestly, boring has been winning for me. I don't chase the next hot stock. I don't try to predict the market. And I definitely don't feel the need to trade every day to build wealth. Instead, I invest in ETFs like VFV and XEQT. Why? Because I've learned that building wealth doesn't have to be complicated. 📊 VFV gives me exposure to 500 of the largest publicly traded companies in the U.S. through the S&P 500. 🌎 XEQT gives me diversified exposure to thousands of companies across Canada, the U.S., and international markets. Rather than trying to pick the next winning company, I'd rather own a piece of many of them. My strategy is simple: Invest consistently. Keep my costs low. Reinvest and let compounding do its work. Stay invested through market ups and downs. Think in decades, not days. I've been investing for years, and one of the biggest lessons I've learned is that you don't need to be constantly doing something to make progress. Sometimes the hardest part of investing is simply having the patience to do nothing. No panic selling. No chasing hype. No trying to get rich overnight. Just consistency, discipline, and time. And watching my portfolio grow over the years has only reinforced why I believe in this approach. Boring doesn't mean you're losing. Sometimes boring is exactly how you win. 🌱 Of course, ETFs still carry risk, and past returns don't guarantee future results. This is simply what's worked for me. 💬 Are you a long-term ETF investor, or do you prefer picking individual stocks? #ETFInvesting #VFV #XEQT #WealthBuilding #LongTermInvesting #FinancialFreedom #CanadianInvestors #WomenWhoInvestread more
Woke up to a beautiful dip on $HHIS , I came to work an hour ago after my night shift to do the morning shift (hopefully I’ll be able to stay for a double). Last night a customer in the mez was talking to me about his investment journey, he lost over half a million in his life, in failed businesses, bad investments, baby momma lol this man went through it all…. He also gave me $50 to play one song after buying 4000$ in bottle service and 4 girls in a room for 4 hours (1600$ each girl) on a random Tuesday night, end of night i asked him what’s his secret? He said: go look at the license plate of the supercar outside and it had 1NVD1….🤣 The craziest part he was the nicest guy in the world. I don’t even wanna tell you guys how many zeros he showed me in his account, then told me come I’ll take a picture of you with my car so you can get your own one day, just keep investing kid and don’t give up! Moral of the story don’t worry about the age just keep going and there’s always gonna be an opportunity! So would that be said…… 2000$ into $HHIS and if it dips more ill buy more 🤞, 100$ to $UTES Road to 1000$ a month by the end of the year , hope y’all day is blessed and happy investing! read more
I absolutely love this city, Toronto gotta be one the most interesting cities in the world, so beautiful so much to see, i been living in here from the day I emigrated to Canada 🇨🇦🫶. Went to a friend’s birthday today at Queen’s Harbour, add a reminder of how much again I love this place, bought $HHIS earlier today from my phone, hang out with all my friends and my wife, ate great food while i was trading gold to pay for my drinks FROM MY PHONE! I love Canada 🇨🇦,the opportunities, the freedom, the safety and most importantly the people, Canadians are really the nicest people, so grateful to be apart of this amazing country! Have a great week everyone and happy investing! 🫡
Hey guys!!! I had an amazing time chatting with @humbledtrader & @bdinvesting on the retail rundown podcast. If you wanna hear us yap for an hour about the ups and downs of work, health, investing & life tune in! https://youtu.be/tNoNucq9Lsc
Hamilton's $HYLD is a beast of a fund, just like $HDIV . After getting the communities questions to help form the structure of HDIV's deep dive, I thought ... I HAVE to do it with $HYLD too. Since HYLD is a fund of funds and rather complex... here is what I am going to share (that way you don't ask what will be answered): - Performance attribution of sorts - Benchmarking w/ and w/o levereage - volatility and drawdowns - Fund history of changes - Distributions - ETF structure and total underlying holdings - Concentrations - Fund risks - Total costs and long term affect on performance What would you like to know about this fund? Is there something that's not obvious about the fund that you feel needs discussed? As always, EVERYONE is more than welcome to pipe in with their personal questions. The more diverse group of investors with questions, the better and broader the deep dive will be😁 I'll be filming tomorrow after work, so if I miss your questions after then, my apologies. As always, HAPPY investing everyone and let the questions FLY!!!!read more
Everyone talks about $XEQT, $VEQT and $VFV. But I’ve been paying attention to something else. I love $HXQ, so when I explored Wealthsimple’s new Portfolio Pulse feature, I was intrigued to see significant positions in Global X ETFs among some of the highest-net-worth portfolios featured. One investor held 26% in $HXS. Another held 20% in $HEQT. A third held 25% in $HXT. That’s enough to make me curious 🧐 But here’s the contrarian take: The goal isn’t to own what wealthy investors own. It’s to understand what others might be overlooking. Global X offers different approaches to investing, including Nasdaq-100 exposure through $HXQ and index strategies designed with different tax considerations in mind. And for Canadians investing in a non-registered account, tax efficiency deserves a closer look. Certain corporate-class ETFs, such as $HXS and HXT, are designed to manage taxable distributions differently from traditional ETFs. This may help defer taxes, but it doesn’t eliminate them, and the trade-offs, fees and risks matter. That’s why I think investors should look beyond the ticker symbol. Understand what you own, how it works, what it costs and how it fits your overall portfolio. A popular ETF isn’t automatically the best ETF. And a sophisticated strategy isn’t automatically a better one. The real edge isn’t copying someone else’s portfolio. It’s understanding your own. I’m happy holding $HXQ as part of my growth strategy, but I’m always learning and questioning my assumptions. Have you explored Global X ETFs beyond the usual suspects? I’d love to hear what you’ve discovered. 👇 read more
18.97% annualized return since inception. A 10%+ yield. Amazing... It even beat the TSX 60, it’s benchmark!!! 🤯 So why did my analysis find that $HDIV UNDERPERFORMED a more comparable benchmark by 1.9% PER YEAR? That’s because HDIV isn’t really comparable to an unleveraged TSX 60 total return index. It has 1.25X leverage, significant concentration, much more tech exposure, US exposure, and a completely different portfolio construction.... And once I accounted for that, the “KING” narrative got a lot more complicated and well... you’ll see. I went under the hood on EVERYTHING is could in less than 20 minutes, from the 1.75% current cost, covered calls, leverage, distributions, ROC, total number of underlying stocks (and even the effective number of stocks), risk, drawdowns, and all the changes HDIV has made since launch (you will be SHOCKED by that one)! I also tried to answer as many of your HDIV questions as possible…. If I missed YOUR question, put it in the comments of the YouTube video pretty please. I’ll answer it there so everyone can benefit from the answer. Here it is!!! https://youtu.be/AWVSiutDV_M read more
After nearly 21 years of picking individual dividend growth stocks, I finally reached a point where I had to ask myself the big question.... Do I want to spend the next 40 or 50 YEARS doing this???? When I started investing, I LOVED stock picking. I enjoyed reading quarterly reports, going through investor presentations, comparing valuations and trying to figure out which company in my portfolio was the best place to put my next dollar. And .... I still enjoy it!!! However, after nearly 21 years of doing it, I started looking at the amount of time I was spending versus what I was actually getting in return.... There is a pretty important distinction between being good at researching companies and actually being able to consistently OURPERFORM a broad market index AFTER fees, taxes, mistakes and all the other things that come with trying to beat the market AND add in the time you spent that could have been spent elsewhere, like at my day job. And the empirical data wasn't exactly making me feel better about my odds... it had been glaringly obvious for years. So I did something I never thought I would do as a lifelong stock picker..... I sold EVERY. SINGLE. STOCK. in my TFSA. And then I moved into 7 broad market ETFs 3 of which factor tilt. I still kept some factor tilting because apparently I wasn't quite ready to give up my active investing addiction entirely 🤪 The biggest change for me wasn't actually my portfolio.....It was my LIFE. I was spending easily 10 plus hours a week researching, monitoring and thinking about my investments. And even when I wasn't sitting at my computer, there was always that little part of my brain wondering whether I should be doing something differently. Now?.... My portfolio requires a fraction of the time. I've gained back more than 10 hours a week that I can spend with my wife, working on the things I actually care about or frankly just existing without thinking about whether some company I own is going to miss its earnings estimate by 3 cents and start to crash.. You can put any of the billion scenarios into that sentence and I was thinking of it (ADHD brain). The reduction in stress has been even more valuable than the time. I didn't even REALIZE I was carrying that market stress around... but my wife sure noticed! I'm no longer constantly asking myself whether I picked the right stock, whether I should sell something, whether I'm missing an opportunity or whether I'm doing enough to outperform the market. The funniest thing is.... well not really funny, kind of sad, after almost 21 years of trying to become a better stock picker, I ended up realizing that maybe the better decision was to stop trying so hard to be one. There was still one question I couldn't answer until enough time had passed.... Did I actually make the right decision? It's now been 10 months since I made the change. It's still a very short period of time... but enough to short out my feelings on things. I've just finished my latest portfolio update, where I go through all 7 ETFs, exactly how I've structured the portfolio, how I'm using factor tilts, and most importantly... What actually happened over those 10 months.... and how did the portfolio perform compared to my benchmark and the S&P 500. https://youtu.be/3khfZJ7SY0g I'm not going to spoil the results here..... watch to see whether I regret walking away from over two decades of stock picking.read more
I don’t understand why people are so afraid of CRA and paying taxes on swing trading or day trading. If you have a $1,000+ profit sitting right in front of you, why wouldn’t you take it? You’re willing to wake up every day, go to a miserable 9 to 5 job, and give a huge chunk of your hard earned money to the government, but when it comes to making money in the stock market, suddenly everyone is terrified of paying taxes? 🤦♂️ STOP BEING AFRAID OF TAXES! Paying taxes on a profit means you made money. Obviously, you want to keep as much of it as legally possible, but paying taxes on a gain is better than sitting on an unrealized profit that could disappear tomorrow. Take me, for example. I could have lump-sum invested in $XEQT at $45.54 and watched my account go up thousands one week and down thousands the next, without actually locking in any profit. Or I could swing trade the volatility and walk away with $6,000 in realized profits. The market has been going sideways for months. A lot of people haven’t made much progress at all, while those who bought during the March dip had a better opportunity to get ahead. Meanwhile, swing traders have had opportunities to profit from the ups and downs. I’m not saying swing trading is easy or that every trade will be a winner. There are risks, and taxes are part of the game. But if you can consistently trade profitably, manage your risk, and still come out ahead after taxes, why wouldn’t you? The goal is to make money, not to avoid making money because you’re scared of the tax bill. Pay your taxes, keep your profits, learn from your trades, and keep building your wealth. 💰📈 LET’S MAKE SOME MONEY! ☝️🤑read more
I guess you could say I had a bit of an unorthodox journey? I dropped out of college at 18 and attended trade school instead. I was working real world adult jobs since I was 20 and have had exposure to people from all walks of life along the way. People and human behaviour are very predictable and when you’ve worked along side other humans over enough time, you notice trends. 20-30: Let me climb the corporate ladder as high as possible and obtain all the material symbols of success. 30-40: I had my first kid and took mat/pat leave which felt like early retirement and outright ownership of my time. The corporate hierarchy or how I come off to others in terms of financial status doesn’t matter to me anymore. I just want control over my time and the ability to dictate who I spend my time with. Like any other person, I too was once super motivated by material possessions. I used to salivate at the thought of buying a Porsche 911. I had the money to do so after I paid my mortgage off, but I guess my survival instincts took over and made me buy $XEQT and $VFV instead. Great decision because I want to live off those shares later on in my 30s to take extended pat leave whenever I decide to have my first child. Super important to me to be there in the early years of their lives. I’d rather own my time than own a Porsche. I’ve organized an in person personal finance meetup where we meet in person once a month to discuss personal finance in a casual social environment. Join the group through the link in my bio! 😃 read more
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! 😁read more
😳 4 OUT OF 5 ARE BANKS! 🏦 🥇 RBC — $387.1B 🥈 Shopify — $308.34B 🛍️ 🥉 TD Bank — $277.9B 4️⃣ BMO — $164.2B 5️⃣ Scotiabank — $157.5B 🤯 Canada’s banking giants dominate the list, but Shopify is giving them serious competition! 🚀 THE BIG QUESTION: Which company will be the FIRST to hit a $500 BILLION market cap? 👀 🏦 RBC 🛍️ Shopify 💚 TD 🔵 BMO 🔴 Scotiabank 👇 Drop your pick in the comments! 🇨🇦📈read more
I’m currently 29 and I have an aggressive goal to reach $1M invested by the time I’m 40. I currently have about 144K invested and this goal assumes I contribute $1,250 bi-weekly and an annual return of 9% (including the compounding from the regular contributions). One milestone I’m personally looking forward to is when my portfolio growth is growing more than my contributions. I call it the “Compounding Crossover”. For me, that number is when I reach a portfolio amount of $376,503 which should happen in about 4 years. Of course, 9% is not guaranteed but this is what I have in my plan. For now, I’ll keep buying $XEQT (and some smaller ETFs) every paycheque and stay consistent. Has your portfolio reached the point where its growth is doing more work than your contributions? read more
