Eugenii Radin

07/06/2020

An amazing post by Zerohedge.

... it is not uncommon to see a time lag before the impact of events is truly revealed, this is why a lot of people will be surprised and shocked by the reality that is about to unfold...

06/14/2020

Weekly stock update. 🤓
Decided to get back into CCL and try my luck again.
A few “safe” Dividend paying names were added. Mostly REITs and Financials. Insanely high dividend yield, though. WFC and BPY were added to my existing positions. They could potentially cut, but I prefer to be an optimist.
Also added to my regular XAW ETF contribution this week on the pullback.
Second wave might be coming, but let’s hope not for the next month or two.🤔
Photo was taken on our amazing Valley of fire campground.🤫
@ Arch Rock Campground

06/12/2020

Do you want to be a millionaire? 😎💰
Find out WHEN you can be one...realistically 😝
An amazing tool you can find online to calculate a compound interest for your future investing goals.
I calculated a reasonable set up for most people to achieve in their 20th or 30th to be a millionaire in 30 years.
On average the market grows 8% year over year (sometimes +20%, other times -10%, you never know).
If you have a solid base for a rainy day, you should be able to save $10,000 to start investing in index funds(ETFs). But even if you don’t, you can always start small with any spare money you have (re-calculate accordingly, though).
From that, $600/month contribution into your brokerage account will bring your total principal amount to $226,000 over 30 years.
The interesting thing about compound interest is that the money will be growing exponentially every year. So the interest that you can gain on your principal over 30 is….drumroll….$777,572.97!
That’s right, almost 3 times your principal!
Happy investing! Especially on the days like today. 📉

@ Monument Valley, Arizona

06/09/2020

Weekly stock update. 🤓
Decided to take profit from BA and CCL and not to be greedy. They are still running HUGE, but better be green than sorry I guess.
A few “safe” Dividend paying names were added. KO and O
Also decided to add some “semi-spec/value” play GIL
And every time I’m trying to short the market for the past month, it ends up higher. So exited from all my short positions for now.
@ Humber Bay Shores

06/02/2020

Month-end wrap up and weekly stock update.🤓
Last week trimmed ½ position of FB and ⅕ of MAXR after an amazing run. Always nervouse when anything is at ATH(all-time-high)
A few “safe” Dividend paying names were added. WBA and BNS
Also decided to add some riskier names to my portfolio. BA and CCL. So far so good.
Month ended on a solid footing. But every time the market is at over 3000 mark, try not to overextend yourself and keep it safe.
@ Toronto, Ontario

05/28/2020

What is Dividend Income?💰
Some companies pay dividends, some don't (no shame in that). Dividends are simply any distribution of a company earnings to their shareholders(for being awesome).
Here in Canada if you receive a “qualified dividend” from a Canadian company, you get a much better tax treatment if you hold your stocks in regular(cash) accounts.
It gets better if you hold a stock that pays dividends in your registered accounts(TFSA or RRSP). This way you technically get free money TAX free! 💸
You also have an option to reinvest your dividends into the same stocks automatically upon distribution. Most Canadian brokerages have this feature. It is called DRIP.
Some companies go even further and give you a discount on your DRIP purchase(usually around 5%). So every time you receive your dividends, your brokerage automatically purchases the share of that company with a discount.
Keep an eye on US dividends, though. You pay 15% dividend withholding tax on those if you hold them in TFSA or Cash accounts. You don't pay that TAX only in your RRSP account.
To DRIP or not to DRIP? 🤔
@ Toronto, Ontario

05/26/2020

Understanding the sectors of the stock market🤓
The best way to diversify your portfolio besides ETFs is investing in different sectors of the stock market. There are 11 major sectors. Within each sector, you can find many companies that share the same economic ideas and principles. For example, one of my favourite sector is Financial Services that includes many sub-industries like Banks, Insurance, Asset management companies etc.
Every sector has its own pros and cons. 😎
Some of the sectors could be more defensive(less risky) than others. Like Utilities would be less volatile than Tech. But even though low volatility could mean less risk, it tends to have less growth as well. So the right balance is the key to building your diversified portfolio.
1. Financials💰
2. Utilities⚡
3. Consumer Discretionary🚗
4. Consumer Staples🥩
5. Energy🔋
6. Healthcare💉
7. Industrials🔧
8. Technology💻
9. Telecom📞
10. Materials⛏️
11. Real Estate🏠
@ Toronto, Ontario

05/23/2020

New weekly stock update
Slowly transitioning to DGI model(Dividend Growth Investing) after a bumpy month.
A few solid companies were added to my portfolio during this week.
Good growth potential, undervalued and most have a nice dividend yield.
@ Toronto C•A•N•A•D•A

05/21/2020

What Is Bid and Ask? 🤔🤔🤔

The term bid and ask (also known as bid and offer) refers to a two-way price quotation that indicates the best potential price at which a security can be sold and bought at a given point in time. The bid price represents the maximum price that a buyer is willing to pay for a share of stock or other security. The ask price represents the minimum price that a seller is willing to take for that same security. A trade or transaction occurs after the buyer and seller agree on a price for the security which is no higher than the bid and no lower than the ask.

The difference between bid and ask prices, or the spread, is a key indicator of the liquidity of the asset. In general, the smaller the spread, the better the liquidity.

Understanding Bid and Ask

The average investor contends with the bid and ask spread as an implied cost of trading. For example, if the current price quotation for security A is $10.50 / $10.55, investor X, who is looking to buy A at the current market price, would pay $10.55, while investor Y who wishes to sell A at the current market price would receive $10.50.
@ Toronto, Ontario

05/18/2020

Asset allocation ETFs (Canada) 🍁
Vanguard asset allocation ETFs are designed to simplify investing while managing risk through balance and global diversification.
All-in-one ETF portfolios are extremely well-diversified, super-cheap and easier to manage than a portfolio of multiple holdings. It’s almost like they’re too good to be true—but a single-ETF portfolio can work.
That pick would be a minimalistic approach to investing. You can always set and forget about your portfolio and it’s going to rebalance itself constantly without your involvement.
By contributing regularly into one of Vanguard's ETFs, your money can grow into an impressive amount over 10 year.
And as always... Travel More and Invest Right

@ Toronto, Ontario

05/18/2020

Intro into exchange-traded funds or ETF 🤓

An exchange-traded fund, ETF for short, is an investment fund that lets you buy a large basket of individual stocks or bonds in one purchase.
Think of ETFs as investment wrappers, like a tortilla that holds together the component ingredients of a burrito, and instead of tomatoes and rice and lettuce and cheese, these burritos were filled with stocks or bonds and are considerably less delicious to eat with salsa.
You could say that the ETF is a relative of the mutual fund, which is another way to purchase many stocks at one time. But there are a few major differences between ETFs and mutual funds. Whereas mutual funds tend to have human mutual fund managers who actively trade stocks in and out of the fund based on which ones they predict will go up or down, the vast majority of ETFs are unmanaged by humans.
Because most ETFs don’t require humans to make trading decisions, they tend to come with lower management expense ratios (MERs) than mutual funds. MERs, represent the percentage of the value of the entire fund that is deducted annually to cover the fund’s operating expenses.
In other words, they're a type of fee. Since computers work cheap and humans don’t, it’s not unusual for a mutual fund to charge a 1% or higher annual MER and ETFs a fraction of that. Between 0.05% and 0.25% represent the normal range of MERs for ETFs.
@ Lower Antelope Canyon, Navajo Tribal Park

05/16/2020

Value investing vs Growth investing 🌄
What Is Growth Investing❓📊
For the most part, growth investors focus on better-than-average earnings. They hope to invest in stocks and funds that will likely beat the market. In many cases, these are companies and funds that have some history of growth and have the potential to continue to see good profit growth.
The idea is that if you can identify growth assets, you'll see solid returns to build your portfolio at a more rapid pace.
What Is Value Investing❓📊
Value investing, on the other hand, is about trying to identify assets that are undervalued by the market. The idea is to find assets that offer a good bargain. Maybe the company is experiencing a temporary setback, but the fundamentals are still strong. Or perhaps it's a relatively new stock that hasn't been widely recognized as valuable yet.
No matter how it's done, value investing is about looking at assets and investing in those that are priced lower than they should be. You invest in them with the hope that they will head higher later as others recognize their value.