Moementum Finance & Stock Investing

HEQL vs XEQT: Is 25% Leverage Worth the Extra Cost?

2.7K views · 2d ago · 46:49

In episode 26 of Financial KarMoe, Kar and I (Moe) tackle some of the recent questions from Blossom investment community, including whether a leveraged ETF like HEQL makes more sense than investing in XEQT and borrowing separately through a HELOC or portfolio line of credit.

Topics: Episode 26 · When should you move out of your parents' home? · Canadian ETFs and currency fluctuations · The Smith Manoeuvre, HELOCs and borrowing to invest · Margin calls, leverage ratios and managing risk · HEQL vs XEQT: Does leverage guarantee better returns?

Smith Manoeuvre Update: Our Real Numbers & What We’ve Learned

1.1K views · 5d ago · 37:31

The Smith Manoeuvre sounds straightforward in theory, but what does it actually look like when you're doing it with your own money? In this conversation, Kyle and I share another update on our Smith Manoeuvre portfolios and get into the practical details of how we're managing the strategy. We show our real numbers, talk about how much we've borrowed and invested, and discuss what's changed since our last conversation.

Topics: Smith Manoeuvre Portfolio Updates: Kyle and Moe · What Kyle Does With His Dividends · My Portfolio Update and Borrowed Amount · TFSA Investing vs. Mortgage Prepayments · Kyle's Mortgage Payments and Cash Flow Strategy · How We Handle HELOC Interest Differently

How a BMO ETFs Executive Invests Her Own Money!

3.8K views · 1w ago · 33:05

Guest: Zayla Saunders

What should investors know before buying covered-call ETFs? Is a high distribution yield really passive income, and how do you know if your investments are actually growing your wealth? In this episode of Moementum Finance, I'm joined by Zayla Saunders, Vice President of Online Distribution at BMO ETFs, to talk about her personal money journey, investing philosophy, and what she's learned from helping Canadians become more confident investors.

Topics: Covered-Call ETFs and the Truth About NAV Erosion · Meet Zayla Saunders from BMO ETFs · Childhood Money Lessons and Early Experiences · From Financial Planning to Index Investing · ETFs, Paying Yourself First and Low-Cost Investing · Covered-Call ETFs, Distributions and Return of Capital

Should Long-Term Investors Hope for a Market Crash?

1.8K views · 1w ago · 28:25

Welcome to Episode 25 of Financial KarMoe with @thekaryungtom and Moe! We're celebrating a couple of milestones this time around: Episode 25 and Moe's birthday! This episode starts with a look at some common investing mistakes, from confirmation bias and overconfidence to holding onto losing investments for too long.

Topics: Episode 25 · Common Investing Mistakes and Investor Biases · Covered Call ETFs vs. Broad-Market Investing · Funding Your TFSA for 2027 · Value Investing, Inflation and Expected Returns · Should You Want a Stock Market Crash?

How I Use My HELOC to Buy XEQT | Smith Manoeuvre Step by Step

5.6K views · 1w ago · 12:51

In this video, I walk you through the step-by-step process of how I borrow money from my Scotiabank STEP mortgage HELOC and invest it in my Wealthsimple non-registered account as part of the Smith Manoeuvre. After nearly five years of implementing this strategy, my Smith Manoeuvre portfolio is now worth over $246,000, with approximately $147,000 in borrowed money between the HELOC and the secondary mortgage we used for our initial Prime the Pump accelerator strategy.

Topics: How I Fund My Smith Manoeuvre with a HELOC · My Scotiabank STEP Mortgage and Available Credit · Why I Leave a Buffer for HELOC Interest · The Prime the Pump Strategy and Secondary Mortgage · Transferring Money from Scotiabank to Wealthsimple · Depositing Borrowed Money into My Smith Manoeuvre Account

I Borrowed $42,000 to Invest in XEQT 2.5 Months Ago … Here’s What Happened

7.1K views · 1w ago · 9:07

I borrowed $42,000 to invest in XEQT using a Wealthsimple Portfolio Line of Credit (PLOC) — and after about two and a half months, here's exactly how it's going. In this video, I share an update on my ongoing experiment with borrowing to invest, including my current XEQT portfolio value of $42,362, approximately $362 in total returns from price appreciation and dividends, and roughly $300 in accrued interest so far.

Topics: My $42,000 XEQT Borrowing Update · Portfolio Returns, Dividends & Borrowing Limits · How Much Interest Have I Paid? · Potential Tax Deductions on Investment Interest · PLOC vs. Margin: Why I Chose Wealthsimple · The Risks of Borrowing to Invest

Having Kids Is Expensive! The Costs We Didn't Expect

1.3K views · 2w ago · 19:46

Is it okay to pause investing when life gets expensive? And how much does having kids really change your family budget? Welcome back to Episode 24 of Financial KarMoe! I'm Moe, and I'm back with Kar for another casual conversation about investing, financial independence, and the money decisions we make along the way.

Topics: Life as Parents: The Routine Never Ends · Is It Okay to Pause Investing? · Parental Leave, Emergency Funds & Home Repairs · Why Covered-Call ETFs May Lag Bitcoin · ETF Fees, Portfolio Returns & Comparing Strategies · Daycare Costs in Canada: What Do We Pay?

Stop Following Investing Hype. Learn These Basics First

806 views · 2w ago · 9:12

He shares the importance of understanding compound interest, earnings reports, taxes, and the principles behind investing strategies rather than blindly following the latest trends. Mr. Financial also opens up about his approach to correcting misinformation on Blossom Social, why he believes financial creators have a responsibility to share accurate, research-backed information, and how investment communities can sometimes become echo chambers.

Topics: Why Financial Misinformation Goes Viral · Financial Fundamentals Every Investor Needs · The Responsibility of Financial Creators · Calling Out Risky Investing Advice · Why Investors Need to Be Open to Criticism · Respectful Debate and Lifelong Learning

He Retired in His 30s With $850K… Can His Portfolio Last?

7.1K views · 2w ago · 37:58

Tony retired in 2024 in his 30s with an $850K Portfolio, but can income investing continue to fund his early retirement?! In this interview I talk to him to better understand what it took for him and his wife to walk away from their job in their 30s and live off their investments. We'll see portfolio built around covered-call ETFs and investment income actually sustain early retirement?

Topics: Why Tony Decided to Retire Early · Meet Tony: Financial Independence in His 30s · Growing Up With Money and His Parents' Influence · The Decision to Retire Early With $850K · The Reality of Life After Leaving Work · From Stock Trading to Dividend and Income Investing

Are You Making These Costly TFSA & RRSP Mistakes?

2.1K views · 3w ago · 39:05

Are you actually investing tax-smart? You can pick the perfect ETF or stock, but putting it in the wrong account can quietly cost you thousands in taxes over the years. The panel dives into some of the biggest tax mistakes Canadian investors make, including misunderstanding TFSA contribution room, relying too heavily on the CRA's displayed TFSA balance, taking excessive risks inside a TFSA, and overlooking the tax advantages of registered accounts.

Topics: Tax Smart Investing: Keeping More of What You Earn · The Biggest Tax Mistakes Canadian Investors Make · TFSA, RRSP & FHSA: Where Should You Invest First? · Employer Matching & RESP: Don't Leave Free Money Behind · Why Young Canadians Shouldn't Ignore the RRSP · The TFSA Mistake That Can Cost You Your Contribution Room

Are You Really Funding Bad Companies by Owning XEQT?!

2.3K views · 3w ago · 55:26

Welcome back to another episode of Financial KarMoe with Kar and Moe! Episode 23 is another community Q&A (Thanks everyone who sent us a question on Blossom!). We cover topics ranging anywhere from XEQT and ethical investing to day trading, CAGE, TFSA strategies, taxes, AI and planning financially in anticipation for having kids in future.

Topics: Does XEQT Invest in Weapons? · Do Investors Actually Fund These Companies? · Ethical Investing, ESG & Personal Values · Should Your Spouse Understand Your Investments? · How We Discovered XEQT & Blossom · Travel, Collecting & Favourite Sports

How this 25-Year-Old Built a $130K Portfolio | Conlan's Investing Strategy

1.4K views · 4w ago · 58:02

Guest: Conlan's Investing Strategy

How does a 25-year-old build a $100K+ investment portfolio without constantly chasing the next hot stock? In this episode of the Moementum Finance Podcast, I sit down with Vancouver-based investor and finance content creator @conlanloffmark, who reached the $100K invested milestone at just 24.

Topics: How Conlan Got Into Investing · Why XEQT & VT? · Wealthsimple vs. Questrade · How He Reached $100K Invested at 24 · Income, Saving & Living Below Your Means · Blossom & Building a Finance Community

Switching from CAGE to CAGX?!

2.3K views · 1mo ago · 47:30

Welcome back to Episode 22 of Financial KarMoe with Kar and Moe! This time, we’re reviewing several interesting Blossom posts and using them as a starting point for a much bigger conversation about how we actually invest, make decisions, and avoid getting distracted by the latest market headlines, products and returns.

Topics: Financial KarMoe #22: Welcome Back! · The Opportunity Cost of Holding Cash · The 4% Rule & Retirement Withdrawal Rates · Rising Bond Yields & Dividend Investing · How Much Do Investment Fees Really Cost? · Total Return vs. Share Count

How Much Money Is Enough to Actually Enjoy Your Life?

1.9K views · 1mo ago · 45:41

In Episode 21 of Financial KarMoe, @thekaryungtom and Moe dive into a wide-ranging audience Q&A covering some of the biggest questions investors face along their journey. Why is it so difficult to consistently outperform the stock market? Kar explains his “fishing hole” analogy and why competition in the market can naturally limit how much excess return an investor can capture. We also revisit the debate around growth vs.

Topics: Why Stock Picking Is Like Finding a Fishing Hole 🎣 · Growth vs. Income: Why Labels Don't Tell the Whole Story · Audience Q&A Begins: Should You Reward Your Financial Milestones? · The Best Investment Outside Stocks? Networking & Relationships · Our “Magic Number” for Financial Independence · How We Stay Invested When Markets & Hot Funds Move

They Turned Credit Cards Into a “Hidden Income Stream” | FIRE Couple

1.3K views · 1mo ago · 8:06

Guest: FIRE Couple

In this clip from my full interview with Gean and Kristine, a Canadian couple who reached Financial Independence and retired early, we dive into how they use credit-card points and travel rewards as part of their FIRE strategy.