In a previous topic I looked at the breakdown of All-In-Ones and suggested one could improve upon EQCL. I suggested it's TR growth range of 15-28%, it's actually 15%+ right now, and has been 20%+ since inception, so a steady ROI is desirable. However it's yield has been around 10-11%, which is fine if all you need is distribution income. However if you are of the mindset "always be buying" and are looking for income + distribution reinvest for share growth, then a higher yield is needed. I have constructed two portfolios which preserve it's geographic market breakdown, but have higher yield ETFs. The first is a simple one for one substitution, and the second portfolio is higher income correcting for the International (ex. N.A.) and Emerging market's lower yields adding a mixed International and Emerging Market high yield ETF. I would expect more volatility with higher yields so that is part of the ride. Enjoy!
☕ SPECIAL EDITION NEWSLETTER – COFFEE AND DIVIDENDS EPISODE 65! October was a BIG month for my passive income portfolio! 💰 $12,988.10 in total distributions! I've just published a SPECIAL EDITION of Coffee and Dividends covering my October 2026 results. Here's what's inside: 📊 Complete IRA and Retail income breakdown 💵 Why October had FIVE Friday paychecks 📈 My portfolio updates heading into November 🏇 The Four Horsemen: $QQQI /$XQQI$OVL$GPIQ$TDAQ 🥊 Why $OVQ is becoming a serious contender ☕ 127 additional shares of $TMGN purchased 🎯 Now holding 798 shares of $TMGN ! 📈 Discussion of $XLEI and portfolio diversification I also share my retail account holdings, including $XQQI , $TDAX , $NVII , $EGGY , $ISSB , $XBCI , $XSHP and $SGOV. Read the SPECIAL EDITION here: https://myretirementtrading.substack.com/p/october-paid-me-12988-coffee-and?r=87vvyh&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true How did your portfolio do in October? I an NOT a Financial Advisor! Not financial advice or a recommendation to buy, sell, or hold any security. My portfolio is shared for educational and discussion purposes only. Do your own research. #PassiveIncome #ETFs #DividendIncome #Retirementread more
At the end of October 2025 my RRSP total was 191k. Yesterday it closed at 250k even with a 5% drop in my portfolio. Therefore my RRSP is up 30.8%. Take that negative posting non supportive covered call etf investors and Happy Halloween!!
I’ve getting a lot of questions about margin lately so here are some actionable tips you can take today with your margin strategies. Of course be mindful when using margin it’s a double edge sword that can destroy accounts if used without guardrails. I might need to follow this up with a part 2 to address the recent Wealthsimple changes in margin along with the recent BOC rate hike. This video was recorded before all that was announced but still relevant. Let me know if you all want the follow up. https://youtu.be/dAER89wy6fg?si=nXQQNIWxNaeD6rzC
In that RRSP is just over 20k in Cash plus the distributions coming the 5th and 6th to reinvest over the next two weeks whenever I decide to invest more!
October wrapped up with £229.84 in dividends across 9 payments 💰 Biggest contributors: 🥇 Standard Life £48.03 🥈 RECI £40.62 🥉 M&G £30.76 Every dividend is reinvested to grow the snowball. Small amounts. Consistently invested. Long-term wealth. #HumbleDividends #DividendInvesting Total October dividends: £229.84 ✅read more
October month-end update on my move to income investing. My covered-call sleeves are on pace for ~$13.7K/mo gross. Without the frozen Spicy funds it’s $11.4K/mo, and that’s the number I actually plan on. Tech/AI sold off hard in October (Nasdaq ~6% below its Oct 6 high by Oct 23), so my CC ETFs sit 15.5% under what I invested. That’s unrealized. Distributions so far are 19.8% of invested capital, and net total return is +4.3%. My take: Core Evergreen is +14.1% and Boosters +13.2% net. Spicy (−33.0%) is the drag, and it stays frozen with no new money. The risk I watch most is $HHIS, at 34.9% of my CC income. One fund carrying over a third is too concentrated. Many of you keep asking me to share more of what’s behind these numbers: the fund-by-fund details, what I’d do differently, the mistakes. So I’m launching a YouTube channel soon to go deeper. More on that shortly. Not financial advice. Just sharing my own numbers. When tech sells off, do you watch price or income first?read more
October was a sleepy month compared to my repositioning moves in September. Energy is still my largest sector allocation at 56.45%, but the holdings have been rejigged. Took some large profits in $CVE and added to $CJ and $WCP Whitecap now makes up 27.85% of my portfolio 🫣Going in big 💥 Added to REITs on the drawdown My biggest move was blowing out $NXR-UN and buying $REI-UN Going upcap in these uncertain times Precious and Base Metals in my portfolio got smoked but only accounts for 4.9% of the portfolio. I hope I can meaningfully add in the new year. Patiently waiting for the For Sale signs to be hung on the quality names 😈 Cash 💰 is at 6.42% and in no hurry to be deployed. My friends ask if I’m buying the 3% dips and I ask “Why?????” Save your dry powder for a real dip 🤡🌎 Year to Date up 27.1%. 29.9% in the RIF and 23.86% in the TFSA because I reduced my energy weighting in favour of REITs and Metals I cannot be dissatisfied Happy Investing and Happy Halloween 🎃😈👹👺 Flying off to Asia for 5 1/2 months to live my Snowbird Life. This is why I invest! Not to see numbers grow, but to not have to wear winter boots 😂 Remember, Canadian 🇨🇦 Energy makes us all stronger & independent It also allowed me to Snowbird 🥂🥂🥂read more
The AI buildout has multiple layers. Compute gets the attention, but scaling AI also requires: • memory • networking • optics • power and cooling • semiconductor equipment I’m especially interested in businesses solving bottlenecks that every AI platform needs. Comment BUILD for my watchlist. https://www.instagram.com/p/DfLUjzbmKoI/?obrf=MWR5cnJvMzRqc25yOQ== NFA. DYOR. read more
Buying more GPUs is only one way to increase AI capacity. The other is getting more useful work from hardware already installed. I’m watching: • GPU utilization • inference throughput • cost per request • revenue per GPU If those improve materially, AI infrastructure economics could get much stronger. https://www.instagram.com/stockswithpawan/reel/DfNyunjgwmQ/ NFA. DYOR.read more
The Deep End is back! Join @arigutman and me tomorrow (11/1) for a special, live episode of The Deep End. The show starts at 7:00 AM PST / 10:00 AM EST. Here's the link to the stream - we're excited to see you all there: https://www.youtube.com/watch?v=kLjncH5abgo
This week we bought a new car (yes the one in the video title). But how I financed it and further optimized my PIIverse retirement portfolio is the big story ! https://youtu.be/46c9rUZJgSA
42 funds became 17. Margin dropped from 38% to 31% after the Oct 9 clean-up. The month in numbers: • Distributions: $542.45, my best month yet (+14.7% vs September) • Margin interest: about $140 (posts Nov 1) • All-time return: −$905.93 (−2.05%), down from +1.80% last month • Net equity: $1,851 I also went off my own plan late in the month: $2,650 of buys when the plan called for about $400, including two new funds. The video walks through all of it, honestly. What would you do: keep 17 funds, or trim back to 15? Not financial advice — simply my journey in margin. https://youtu.be/sb6OU50o9eo
Hello, I’m looking for US income fund(s) for my RRSP, long term. I have 5 in mind! $ADX$PEO$USA$CSQ$GDV I’m leaning more towards $ADX for one of them. What are your opinions on those? And have any recommendations? TIA
My latest AndyPii masterpiece is here! 😂 Welcome to Hedgewarts — The School of Investing! Wait until you see the ridiculously cute faces of my AndyPii characters as 11-year-old students! 🥹❤️ Magic, investing, humour, and a talking sorting cape... What could possibly go wrong? 😂 Come check it out and tell me which investing house you'd belong to! https://youtu.be/ocYpcUhXUDUread more
