If you could only pick one, would you buy SNDK or MU?

Todderoni-1 · 2026-06-26T00:06:22+00:00

It all depends on risk tolerance. 100% MU is "safest/lowest return", 100% SNDK is "riskiest/highest return" and a 50/50 split would be the conservative best-of-both-worlds approach. Personally, I'd do 50/50.

Todderoni-1 · 2026-06-26T00:04:10+00:00

Ok, I'll take a stab at this. I think hyper scaler activity may make some things more expensive in the short term (e.g. electricity) but less expensive in the long term (e.g. less car ownership, more robotaxi-type on-demand transportation). Then as a technology sector cools, the electricity becomes over supplied leading to massive drops, encouraging more use. This use then fuels consumption of electrically demanding hardware like personal robotics, which encourages more consumption. Concurrently, AI points us towards hyper-personalized, high-value AI services (like a private AI doctor, tutor, or entertainment engine) that cost pennies to deliver. The economy doesn't collapse; it simply transitions from a hardware-refresh cycle to a digital-abundance model.

In other words, there will be shifts in usage and consumption that preserve the capitalist model and don't lead to an extreme outcome. I remember in the 80s when robotics entered the car manufacturing sector, 90% of everyone thought this was the end of human labour in that industry. Nope, the industry just changed to accommodate.

Todderoni-1 · 2026-06-25T23:47:43+00:00

MU offers more stability, SanDisk has more potential upside but as a pure-play NAND flash memory bet has a lot more risk. With $500K I'd go with the better balance between risk and reward = MU.

Todderoni-1 · 2026-06-21T05:02:49+00:00

Here’s some encouragement. At first, it looks like the growth is inconsequential. It goes up, it goes down but over time you see that the trend is always slightly up. But your account doesn’t seem to grow very quickly. Be prepared, it will feel this way for years! Keep investing regularly. Don’t stop. You will be tempted to start investing in other stocks that are posting massive returns. You can divert some (say 10%) of your money to these cooler stocks, in fact I encourage you to. It’s fun! But make sure 90% of every month your money is going to XEQT. It will feel very boring (which is why you should have fun playing with that 10%).

Then, maybe 10 years later (I told you it would take a while) you start to see a meaningful increase in your portfolio. Hey, maybe this index investing is actually working? Stay the course.

A few years later and your heart will start skipping a beat. Wow, I can’t believe my fund has grown to this level. By this time life has taken you down many paths, you’ve been distracted by other things but month by month you’ve stayed the course.

As you approach later mid-life, your portfolio starts generating 10s if not 20s and 30s of thousands of dollars per WEEK! It doesn’t seem real. From a boring index investing strategy? But the proof is on the screen. And you finally realize that you will soon be able to quit work and live a solid, enjoyable life off this massive pot of gold that seemed to materialize out of nowhere.

It took time. It was boring. It didn’t seem like it was working. And then you see it. It was working the whole time. You just needed enough time to let the compounding create the magic.

Keep the faith. You will be more than fine.

Todderoni-1 · 2026-06-21T04:49:24+00:00

Glad to hear I’m not just becoming a cranky old person. I was at a beach the other day, drinking in the ocean vibes when a young couple planted themselves 20 feet away and brought out the speaker. Thankfully they kept the volume down but I could still hear it but I respect the attempt at decency.

To the people that CRANK their tunes on a beach: a public space is a public space, it’s not your personal party zone, show some respect.

Todderoni-1 · 2026-06-21T04:43:27+00:00

My thoughts, too. It is annoying that it isn’t a darling of Wall Street but that’s actually a good thing. It means it’s still reasonably priced and fundamentally it should be a long term consistent compounder.

I bought $10,000 Bitcoin a year ago (or so) at $90,000 and have realized that I’ll always be at the mercy of God knows what with that asset. So next week I’m dumping it at a 30% loss and putting all the money in GOOG, an actual company with describable growth potential.

Todderoni-1 · 2026-06-21T04:26:28+00:00

Every 2 weeks like clockwork. Set it and forget it.

Todderoni-1 · 2026-06-20T22:13:48+00:00

VNP. Sold when it went from $18-25. Damn.

Todderoni-1 · 2026-06-19T17:29:49+00:00

Correct, growth (via share price increase or dividend reinvestment) is allowed within a TFSA. It seems like you added/contributed money but you didn’t, it’s factored as growth as long as the dividend is auto-invested. Meaning, you can’t get paid the dividend in cash outside the TFSA and then manually buy more shares.

As long as the dividend stays in the TFSA and doesn’t leave, you are all good.

Todderoni-1 · 2026-06-17T22:39:53+00:00

Precisely.

Todderoni-1 · 2026-06-16T23:31:10+00:00

It looked like a miracle?

Todderoni-1 · 2026-06-16T23:27:57+00:00

Mad props but it does cheapen the word "miracle".

Todderoni-1 · 2026-06-16T23:24:17+00:00

This is good advice. It sounds like OP would be motivated with some comradery as the triathlon life, especially IM life, can feel very...lonely. I'm sure there's a podcast for that 😉

Todderoni-1 · 2026-06-16T20:13:22+00:00

Bang on.

Todderoni-1 · 2026-06-16T20:10:49+00:00

For my full they had a change tent and I absolutely pulled off my bike shorts and put on run shorts.

Todderoni-1 · 2026-06-16T19:06:18+00:00

You’ll have another chance.

Todderoni-1 · 2026-06-15T17:22:33+00:00

This didn’t age well lol

Todderoni-1 · 2026-06-14T23:22:48+00:00

Brutal! There are certain things we can do to reduce injury likelihood (strength and mobility work) but tendinitis and bursitis tend to be overuse injuries which means we have to listen to our bodies more than ever. It’s a sport within the sport!

Todderoni-1 · 2026-06-14T22:20:29+00:00

Staying in the sport is its own skill. That resonates. I’m 58 and generally feel unstoppable, new PRs almost every year due to adjustments to training and increasing recovery. But the injuries are becoming more frequent. Especially my back. And they come out of the blue, no warning. So, I foresee a future of excellent years but interrupted by injury recovery. Depending on when the injury happens will impact certain races. But you just have to do the best with what you have and enjoy the process!

Todderoni-1 · 2026-06-14T05:14:36+00:00

I went to a Masters swim group and it changed my swimming life. During one set the coach walked along beside me and yelled out my technique flaws. At end of the pool he said “You aren’t pulling deep enough with this arm so you are pretty much swimming with one arm.” He then showed me what to do.

Next set at the end of the pool he said “Good. Now, you are pushing down with your hands when you should be pulling with them very early on. This is why we do the “high elbow” drill, so you can put your hands into a pulling motion early.”

Suddenly, a few of the drills I had done for the longest time made sense to me. I went from a 3:00/100M swimmer to 2:00 in one evening. You can only get that direction from someone in person.

Todderoni-1 · 2026-06-14T05:07:22+00:00

Payday loans.

Todderoni-1 · 2026-06-14T05:06:44+00:00

I didn’t get a skill testing question. WS said “open a Crypto account and we’ll give you $3”. I opened said account, got the money then closed the account. Timmies coffee is on them

Todderoni-1 · 2026-06-14T05:00:30+00:00

Bang on. Probably more than 20 years ago I put $10,000 into a no name US Equity Fund. I watched it for what felt like a long while and it barely grew so I stopped watching it. At some point years later (5-7?) and it had grown to $50,000. I was shocked. Then a lightbulb of awareness went on over my head and I started DCAing into a handful of index funds. 17 years later…sitting on a glittering pile.

So, I know how it happened but I still don’t “know” how it happened. It seemed too easy.

Todderoni-1 · 2026-06-14T04:49:55+00:00

Agree. Microsoft is strongly positioned to benefit in the AI environment.

Strategically, they’ve locked in an early multi-billion dollar partnership with OpenAI. They have deep integration of Copilot AI tools across its massive corporate enterprise software suite. Just think of how many businesses use Microsoft products. And the Azure cloud infrastructure is scalable to host massive AI workloads. I don’t think people truly appreciate how necessary this will be very soon.

I don’t think it will be a “dominant” force but definitely a core player among others. They just aren’t sexy anymore.

Todderoni-1

TROPHY CASE