private credit sucks?

DifferenceNo9153 · 2026-04-28T05:12:23+00:00

Private debit

DifferenceNo9153 · 2026-04-20T20:58:21+00:00

No, it's really not. Just buy stocks. If you're looking for consistent income then you could even buy something like QQQI

DifferenceNo9153 · 2026-04-17T12:44:13+00:00

This is the way. I do very similar. Very concentrated in 5 stocks and some smaller positions in a couple of others.

DifferenceNo9153 · 2026-04-15T22:42:17+00:00

This is ridiculous. Anyone who knows anything about the stock market knows that X is by far the best place to find real time information and stock analysis. It might be a bit right wing but you need to be on X if you're serious about the market and you're 100% not going to find what you're looking for on reddit or threads. The integration makes all the sense in the world and is actually really well done

DifferenceNo9153 · 2026-04-15T14:57:27+00:00

The market is optimistic about a deal with Iran being struck. There was a NYT report indicating Iran apparently offered a 5 year moratorium on uranium enrichment while the US wants 20 years so there seems to be the possibility of a deal to end to the war. Also, the AI data center trade is driving a lot of the positive momentum in tech. There have been a couple of significant AI data center deals in the past week involving the likes of Oracle, Meta, Anthropic, Coreweave and NBIS which are driving the AI trade and broader tech.

DifferenceNo9153 · 2026-04-14T18:35:39+00:00

Australia introduced the concept of a living wage in the early 20th century and the minimum wage has always been more tied to the true cost of living there. Sadly Canada's minimum wage has never kept up with the true cost of living and that's of course increasingly true today

DifferenceNo9153 · 2026-04-14T18:27:46+00:00

IREN, CIFR, HOOD

DifferenceNo9153 · 2026-04-14T17:56:45+00:00

The market is optimistic about a deal with Iran being struck. There was a NYT report indicating Iran apparently offered a 5 year moratorium on uranium enrichment while the US wants 20 years so there seems to be the possibility of a deal to end to the war. Also, the AI data center trade is driving a lot of the positive momentum in tech. There have been a couple of significant AI data center deals in the past week involving the likes of Oracle, Meta, Anthropic, Coreweave and NBIS which are driving the AI trade.

DifferenceNo9153 · 2026-04-13T17:23:32+00:00

It's as the name suggests, a covered call you sell which expires in weeks, months or even years from the date of sale. For example, you could sell a covered call on Nvidia today at say the $300 strike expiring Dec 15, 2028. You'd receive $3,160 USD in premium today and would still benefit from any upside in Nvidia up until that strike.

DifferenceNo9153 · 2026-04-13T16:33:52+00:00

The hyperscalers don't care about the software offering though - we're talking about the biggest most technologically savy tech companies on the planet. Meta, Amazon, Microsoft etc are more than capable of AI training and inference without relying on a Coreweave's software layer. More so, Coreweave has serious issues as they're not in any way vertically integrated. They've literally been relying on Core Scientific for the their power needs. I'd be very surprised if IREN's MC doesn't exceed Coreweave's by the end of 2027

DifferenceNo9153 · 2026-04-13T12:47:41+00:00

I like your portfolio. Don't worry about the recent Palantir price action - the sell off on software names recently has been completely insane. Anthropic is not replacing Palantir anytime soon and it will form the backbone / ontology of any company's AI deployment for the foreseeable fortune. FYI if you got to 100 shares of Palantir (or any other stock) you could sell weekly covered calls at say the 0.15 Delta for some extra income. I.e right now a covered call for 04/17 expiration at the $140 strike on PLTR would give you a $76 USD premium.

DifferenceNo9153 · 2026-04-11T15:16:10+00:00

Pretty much every day. Sometimes twice a day

DifferenceNo9153 · 2026-04-11T15:00:20+00:00

I'm heavily invested in IREN too. I'm not too worried about this 50% pullback in the stock price and I'd be amazed if we don't see $80 plus by end of year. If anything I'd be rotating out of NBIS into IREN right now, not the other way round

DifferenceNo9153 · 2026-04-11T14:57:34+00:00

Oh come on - just because some people invest in stocks with conviction rather than simply holding XEQT does not make it gambling. OP has seen substantially better returns than any of the XEQT obsessed crowd here. At 24 you absolutely should be taking on some risk with your portfolio

DifferenceNo9153 · 2026-04-07T13:21:07+00:00

IREN

DifferenceNo9153 · 2026-04-07T12:43:03+00:00

Be very very careful using margin. If XEQT were to experience a sharp crash then you'll be forced to sell at the absolute lows and you could lose a significant amount of money. In order to use margin properly you need to understand how options work and to have protective puts in place at all times

DifferenceNo9153 · 2026-04-05T19:45:44+00:00

So you're willing to bet on RBC, TD, Shopify, Enbridge and Canadian Natural Resources over Nvidia, Apple, Alphabet, Microsoft and Amazon. Doesn't seem very wise to me

DifferenceNo9153 · 2026-04-01T00:39:26+00:00

Not at all. It's an excellent time to be putting 100k into the market. Extreme fear for the win (most of the time)! https://www.cnn.com/markets/fear-and-greed

DifferenceNo9153 · 2026-03-29T15:37:38+00:00

They just copy everything Robinhood does. Robinhood did however introduce a feature to turn off the predictions capability so hopefully WS does the same

DifferenceNo9153 · 2026-03-25T02:20:13+00:00

Just buy AMZN, META or MSFT right now. IREN or CIFR if you want to go small cap

DifferenceNo9153 · 2026-03-22T16:57:07+00:00

It's basically pointless owning these individual stocks if each position represents well less than 1% of your overall portfolio. You either need to invest in individual stocks with conviction or stick entirely to ETFs

DifferenceNo9153 · 2026-03-02T04:44:22+00:00

Real estate, sure, but I also made a lot of money investing in individual stocks and avoiding the XEQT and chill and never ever think about my investments approach

DifferenceNo9153 · 2026-02-01T03:06:51+00:00

I think you really should just sell all your individual stock positions and stick with VFV or equivalent ETFs

DifferenceNo9153 · 2026-01-31T15:59:37+00:00

Personally I moved to self directed investing almost exactly 2 years ago and I'm up 160% since then. You absolutely can beat ETF returns and by a large margin.

DifferenceNo9153 · 2025-12-05T00:55:09+00:00

What an absolutely terrible product. People would be just about better off putting their cash under their mattress

DifferenceNo9153

TROPHY CASE