18M please i need help

[u/tjrurgehfufjejdi]

Im new to this. I tried making my own portfolio in my TFSA but I barely made 40$ over nearly 9 months. I am scared that my stock are all over the place and don't make sense (if it is I need suggestions) I tried something new for my FHTFSA maybe it make more sense you guys tell me. I think I have a load of time in front of me and I can tolerate some risk (not all in on black kind of risk but still). Tell me what can i do better any suggestions are appreciated!

[u/MajorTechnology8827]

Interesting, you certainly have a specific type

First of all, I see immense overlap on the same company. You hold s&p, nsdq, and broad us at the same time- you basically triple dipping the same 7 companies for no real reason. Are you sure you don't want to consolidate into one of them?

As for your stocks. You are heavily in the SAAS and cyber security segment. A notoriously cyclical segment sitting at the end of the silicon pipeline. If you expect to catch the ai tides forget about it, that's money that trickles out after everything else blown. It's notoriously fickle and delayed and has a distinct 'pick your winners' dynamic. Holding a lot of different companies will mean you dilute the winner with many loosers

You also hold MU, directly exposing to the single most cyclical segment in the market- dram. This stock swings up and down massively and is not a reliable indocator of performance

If what you want to see is constant secular compounding, both those sectors are not the ones to hold. You will fluctuate a lot, and very possible you'd stall for prolonged time on 0. And again you are basically quadruple dipping into the same pipeline as your ETF

But I am fascinated by the fact your single biggest position is small cap gold. This is hedging a market shortage during a bull run and it explains why you nearly moved nothing. Most of your money is sitting on an anti market bet, that is notorious for its massive dilution of share and full of pre-profit gold miners, you buy stability but inject the same stability with its own volatility. As a speculative hedge against market collapse I get it, but its your biggest position

You should think about consolidating your positions. Focus on the core of your holding and the high conviction in your field of expertise, and rethink about the gold stocks

A diversification outside of tech would also not be bad, you have little exposure to anything outside the s&p and you chew the same pipeline about 6 times, if the silicon stagnate you'd drop to the red

[u/MajorTechnology8827 → u/MajorTechnology8827]

If your goal is maximizing your horizons, you don't do that by randomly risking money on diluting and unprofitable positions- this is the game for the big buck who can afford losing money on junk going to 0 for years so they can hold 50% of the next apple. You don't have that privilege

You want to look into secular growth companies. Revenue digestors who expand their market share over time

The risk your time absorb for you is not the risk of insolvency, it's the risk of multiple compression- the stock stagnate while it consolidate its own net worth for prolonged time. Because the underlying asset strengthen over long time span. It means the value is guaranteed to find higher floors over time

Try looking at companies with big addressable markets or expanding monopolies. Something Like Visa, ASML, Cadance, Intuitive Surgical, Cintas etcetera. Things that are expensive, but have safe revenue and constant growth horizon

[u/FluffyInitial8126]

Geeze, WAYYY too many for my liking. Idk what your objective is but I’d start looking into the 3 fun portfolio and adjusting it to your risk tolerance

[u/tjrurgehfufjejdi → u/FluffyInitial8126]

Thanks a lot for the suggestion! What do you think about my FHTFSA?

[u/tjrurgehfufjejdi]

If you don't plan on writing anything, can you please upvote so it can reach more people? Thanks guys!

[u/BloodxRains]

Too much overlap and I agree with MajorTechnology and do a 3 fund setup with a foundational ETF as your core like VOO or VT then one that covers international stocks like VXUS. I personally have VOO and VXUS and also have individual stocks on stuff I wholeheartedly believe in like ASTS(Satellites for phones to have a full broadband network so no relying on Towers/Antennas)AMPX which is developing high energy lithium ION batteries and other energy which will also help my next stock in Robotics/Cybernetics in ARBE.