š Just did some analysis from the $500m in trading on Blossom this week - any surprises? š Most interesting to me was this first chartā¦ folks with $100k portfolios were buying, folks with <$10k portfolios were sellingā¦ Linking the tickers below for easy access: š¤ What Blossomers bought yesterday: - $NVDA - $GOOGL - $TQQQ - $HHIS - $SOXL - $QQQM - $TSM - $BE - $QQC - $ZSP š° What Blossomers sold yesterday: - $AMZN - $META - $TSLA - $MU - $SNDK - $APP - $CASH - $MSFT - $HOOD - $NBIS š The biggest shifts (positive) - $NVDA - $MU - $SHOP - $PLTR š The biggest shifts (negative) - $IREN - $NBIS - $GOOGL - $APP - $AMZN read more
š 300 likes and I'll get it live on web-app this week fully interactive... š Also made a Blossom Millionaire 100 index and a full scorecard of how the Blossom-100 stacks up against the S&P across metrics like Beta, Sharpe ratio, and more + monthly rebalancing š š„³ UPDATE: The Blossom-100 is live! https://link.blossomsocial.com/7uYa/4fv28yy5
"Buy the dip!" That drum is beat soooo often on social media. Sounds simple enough. The market drops half a percent or even a percent or even more, you buy more, and eventually the market recovers. EASY right? There's one little problem though. You actually have to know WHEN to buy. Look at the chart I'm sharing. The market experiences declines of 1% or more VERY often. These aren't extraordinary events. They're part of normal market behaviour. Yet every time they happen, investors start talking about buying opportunities, waiting for a bigger correction or keeping cash on the sidelines until the market drops further. But is buying the dip actually a better strategy than staying invested? A 2024 study published in the European Financial Management journal by Stefano Bonini and two other academics examined exactly this question. Their research compared holding cash and waiting for market declines against investing in a stock market ETF... so it was pretty relatable for the average DIYer. What did they find??? Buying the dip does NOT necessarily maximize your real ending wealth. The results are HIGHLY SENSITIVE to market conditions when you begin investing. Something else to note, under certain conditions, buying the dip can improve risk adjusted performance compared with passive investing or traditional dollar cost averaging. BUT there's a MASSIVE catch..... the strategy is subject to estimation risk. In other words, you have to make assumptions about when the market offers an attractive buying opportunity and getting those assumptions WRONG can undermine the strategy. This is why I don't actively "buy the dip" or suggest other too. I don't want to sit on cash waiting for a correction that may take months or years to arrive. And I don't want to turn investing into a guessing game where I have to decide whether a 1, 2, 3, 4, 5% decline is enough, whether I should wait for 10% or whether the next 20% drop is just around the corner. My strategy is to stay invested, maintain my asset allocation, and rebalance when necessary. Does that mean you shouldn't invest when the market is down???? Absolutely not!!!! If you have new money to invest, a market decline doesn't need to scare you away. There's a difference between investing consistently when markets are down and holding cash specifically because you're trying to time the next dip. In my October Portfolio update, I share what I did during the tech sell off and what saved my portfolio. If you don't know my investment style, you'll be surprised what did! https://youtu.be/H5JMG8Z_okg What about you? Do you actively buy the dip or do you prefer staying invested and letting the market do its thing? read more
SOLD! Might have clicked the sell button a little too soon but whatever saw it wasnāt passing 45.21 so I sold it all not bad $7,150.76 profit on this trade. From November 5th buy. $XEQT
āCongratulations. Youāve won the rat race. Youāre still a rat.ā Lily Tomlin (attributed) Itās a quote worth thinking about. We spend so much of our lives chasing the next milestone. The better job. The bigger house. The promotion. The higher income. The nicer car. The recognition. The lifestyle that tells the world weāve made it. And somewhere along the way, we can become so focused on winning that we forget to ask ourselves what weāre actually winning. I made a decision at 45. I was done trading my time for money. I didnāt want to spend the best years of my life accumulating things while postponing the experiences I actually wanted to have. I wanted my time back. And recently, I arrived home from spending a month in Cancun. It was paradise (see pictures below). Not because I was on vacation from a life I couldnāt wait to escape, but because I had built a life where I could actually enjoy that kind of freedom. Thatās the distinction. Financial independence isnāt necessarily about having the biggest portfolio, the most expensive lifestyle or the highest net worth. Itās about having choices. Itās being able to say no without worrying about the next paycheque. Itās having the freedom to spend a month somewhere beautiful, pursue something you love, spend time with people who matter or simply wake up without having to be somewhere because someone else owns your time. You can win the promotion and still be trapped by the lifestyle it funds. You can earn an extraordinary income and still have very little control over your days. You can look wealthy to everyone around you and still be financially dependent on your next working day. I donāt think the goal should be to win the rat race. I think the goal should be to build a life where you no longer need to run. I retired at 45 because I decided my time was worth more than another paycheque. And I can tell you, a month in paradise is a pretty wonderful reminder of why I made that choice. Build wealth, absolutely. But donāt forget to build a life to enjoy it. Iād love to know: Are you working toward financial freedom, or are you still chasing someone elseās definition of success?read more
Ladies and Gentlemen I take my goal achievement lightly since my portfolio is still very much in the rental stage but I have reached my short term income goal of $5200 per month which is equivalent to my employment income during slow times. Plus Iām even beating the S&P for my personal journey. My updated goals are: Reach $7000 per month, Double pay mortgage, Unlock HELOC, Fill wifeās TFSA since sheās not contributed anything meaningful. š¤ Unlink my TFSA from margin. Not necessarily in that order. Letās go 2035!read more
I've officially stopped buying/putting more money into the market for the rest of 2026. The TFSA, RRSPs, RESPs, are all done. Now I'm just stacking cash and saving everything for the 2027 TFSA contribution room, which I believe will be $7,500 each. Gonna need 15k by January for wife and I haha š° The market has been dropping but it's nice to take a little break from buying and just build up cash for the next year's TFSA. Come January, it'll be time to deploy it all again..in the meantime im hoping markers continue to drop haha š Anyone else doing the same?
A Little Perspective on ETF Overlap I think sometimes we get so caught up in the idea of perfect diversification that we forget investing is also about conviction. I have no issue with investors deliberately doubling down on areas they believe have long-term potential, as long as they understand the risks. For example, holding $XEQT as a foundation and adding $VFV or $HXQ to increase exposure to US equities and technology isnāt necessarily a mistake. It can be a conscious decision. I think the more important question is whether you understand what you own, why you own it, and what youāre choosing to overweight. Personally, I donāt believe every overlap needs fixing or every portfolio needs another ETF to fill a perceived gap. Investing isnāt about building the prettiest portfolio on paper. Itās about building one you understand, believe in and can stay committed to when markets get uncomfortable. Thereās a difference between owning something intentionally and owning it without understanding why. read more
OMG guys!!! I started 2026 hoping to reach $40K in my Wealthsimple TFSA. Then I changed my goal to $50K, and eventually set a third goal of $75K. AND HERE WE ARE!!! I just pinned the post I wrote 10 months ago about my first goal, and looking back, I can't believe how much has happened since then. So, what did I do to get here? - Stayed consistent with my DCA: I kept contributing through market fluctuations and didn't let red days scare me away. In fact, I put quite a bit of additional money to work during market dips. - Tracked my surplus:After covering ALL my expenses and regular investments, Any extra money became an opportunity to invest. - Took calculated risks: ETFs are still the foundation of my portfolio, but I experimented with a few individual stocks and adjusted my strategy along the way. - Kept learning and connecting: I read, asked questions, talked investing with friends and family, and learned so much from this community. But here's what you didn' see behind those milestones. This year came with a layoff, a career change, family medical emergencies, and some pretty difficult days mentally. I also moved back in with family last month and now commute A LOT for work. There were definitely moments when I questioned whether I had the energy to keep going. But I kept showing up, made time for the people I love, and reminded myself why I started this journey in the first place. I also gave myself permission to pause investing when life needed my attention. PS. You don't have to do everything I've done. You don't have to take the same risks, invest every spare dollar or hit every milestone on schedule. It's okay to pause, change your strategy or simply focus on keeping afloat. Whatever your year has looked like, give yourself credit. There's a community here that's supporting you, and cheering you on!! I still have a few DCA contributions left this year, and $75K might keep going up or down tomorrow. BUT I've gotten here once, I can get here again!! Next goal: 100K in my TFSA for 2027! WHAT A YEAR. Today, I'm celebrating this one. š„read more
