🏆 My Income Dropped... Then This Happened 🚀

[00:00:05]Before we jump into today's video, I just want to remind everybody that I'm not a financial adviser. So, this video is for educational and entertainment purposes only and should not be taken as financial, investment, or trading advice. All investments involve risk and you should do your own research or consult with a licensed financial professional before making any investment decisions. Just remember, past performance is not indicative of future results.

[00:00:30]Hey everybody, it's Paul here on my channel, Better Call. And today we are going to do our daily snowball portfolio update. So this um this update I do on a weekly basis. Every Friday we go over all of the ETFs that paid us. Um Monday, Tuesday, Wednesday, Thursday, Friday.

[00:00:47]It's pretty exciting. Um for the last five or six weeks, the uh the amounts been going up, but you know, we all know it's never going to last, right?

[00:00:56]dividends or distributions fluctuate and every once in a while we're going to have kind of like a bad week. So this week the you know the amount did come down quite a bit. Um but it was still in my opinion still a good week and a couple of other exciting things to talk about. First of all, I just want to mention that this past week on Tuesday, um Perry from Perry's Pyiverse was in Toronto and together the two of us had a meet and greet at a a restaurant near the airport called Arizona's and surprisingly we had like 25 30 people show up and uh it meant so much to us because everybody had a similar story, you know, for whatever reason and they're all looking to retire but but they We're there just to, you know, kind of express some gratitude and say thank you for all the work we do trying to put out these videos, trying to educate people because there are a lot of people who have never heard of these investments, you know, um when we speak online, we talk about different different investments, QDTE, you know, we talk about Alti, we talk about Chippy, and if you're in the community, it's very familiar to you. But for somebody who's not, you know, somebody who's never heard of these investments, they're not aware of the income potential that we're all receiving, you know, for them it's it's very eye opening. And once they once they discover it and they learn how to use it properly, you know, they become very grateful for all of the all of the people in the um you know, content creating space, financial space, who work very very hard to put out these videos. Anyways guys, just want to say thank you to everybody who came out. Um, I think some of the viewers for these videos are probably in the States because these are all American listed.

[00:02:46]Um, and unfortunately we're up in Canada, so you probably didn't have an opportunity to join us, but who knows, maybe someday in the future we'll get to meet more of you. Anyways guys, I don't want to I don't want to spend all day talking about that. So let's jump right into the uh spreadsheet, guys. You can see that this week once again started off really, really well. Um, blocks on Monday. And guys, I added in a column here because I've had somebody request many, many times for me to kind of disclose where I'm keeping my ETFs. And it's it's not a secret or anything, but uh anyways, so on Monday, you can see that I get paid by blocks. I still have 130 shares. Um, and I keep this in my registered retirement savings plan. So, um, up in Canada, we have a couple of different registered plans, just like in the States, you guys have your your 401k and other plans. So, I keep this in a registered account. Um, that helps us avoid withholding taxes if you're a Canadian. Um, but you can see that this week it was up a little bit, paying just over 12 cents, which is great. Um, you know, with Bitcoin coming down, who knows where it's going to be at. I I do hope Bitcoin eventually recovers. I know there are some people hoping it drops even more so that they can buy more Bitcoin, but for uh for my ETFs, it'd be better for it to go back up in value.

[00:04:06]Uh on Tuesday, I collect my dividend from MSTW or my distribution 150 shares also in my RSP and it was up actually was up quite a bit from last week because last week it dropped down to six cents. So this week was back up to almost 10 cents. And then on Wednesday, I have Top W, which you know, formerly was WP pay. I still have 90 shares in my RSP. And this week, it was up to 28.91.

[00:04:36]So, unfortunately, guys, that's where the green ends and everything from here out is yellow. But, uh, but still paying, which is which is what we want.

[00:04:45]Um, so you can see YBTC. I still have 75 shares in my RSP and it it did really drop a lot but it dropped a little bit.

[00:04:54]It's still paying 12 cents.

[00:04:56]Alti. This one was a surprise to be honest with you. Um not very happy about this. Uh 158 shares. I do have actually I have some of this in my TFSA. Um, but most of it's in my RSP. And for the last for for several weeks now, it's been paying 39 to 40 cents. And this week dropped down below 35. So, not a great week, but you know, maybe they're trying to prevent more nav erosion or further nav erosion or they're only paying out the premiums, which I guess is not necessarily a bad thing.

[00:05:30]All right. Uh, one of my favorites is Chippy. I unfortunately only have 130 shares in my RSP. And this week it paid 62 cents which is which is still fantastic. I mean when I first bought this ETF it was paying 43 cents you know and increased it all the way up to 71 last week but you know we I don't think we can expect it to pay 71 cents every week. So 62 cents is still a really good a good payment for Chippy. So here's what I consider to be some exciting news. I've added TDAX to my portfolio and uh TDAC you'll see later on in the video down below, but TDAX pays weekly.

[00:06:11]So, this is a leveraged version of um TDAC. I think they call it their Lyft program or the Lyft ETF. So, I I just have 10 shares so far in my RSP and this week it paid 11 cents. So, I'm going to have to add more to this. Obviously, I'm not sure what exactly my goal is going to be, but maybe I'll try to get this up to uh a,000 shares, just like my TDAC.

[00:06:37]All right, so QDTE, unfortunately, um it dropped a lot, right? From last week's 23 cents all the way down to 15 cents.

[00:06:45]And because I have 340 shares, this hurts me a lot, right? um you know when this goes down by five or six cents but times 340 shares you can see it makes a big difference on my weekly pay and unfortunately same with RDT RDTE usually one of these has a good week while the other one's not having a great week but this week they're both at 15 cents so that didn't help my weekly total very much um same with MSTY I only have 42 shares after that big reverse split but this week it dropped down to 24 cents. So, if my math is correct and uh the spreadsheet's doing the math, so 315 Canadian and then um that translates to 431 uh US. Right now, I'm multiplying this by 1.37, which I think might be a little bit low. Um you know, the Canadian dollar and US dollar exchange rate, it it fluctuates all the time. So, this is really just an estimate just to kind of see how we're doing on a weekly basis.

[00:07:50]Yield on cost right now is 25%.

[00:07:55]Okay, so just looking back at the last few weeks, you can see I had some some really good weeks. Uh, one slightly down week, some more great weeks, and then this week, unfortunately, we're at $431.

[00:08:11]All right, guys. So, first first thing to point out is that I reached my goal of a thousand shares of TDAC. So, I'm not buying any more shares. And I was I was initially thinking that I'll just keep uh TDAC on Drip so that every month when I get paid, I'll buy more shares.

[00:08:30]But I think buying TDAX um the the leveraged version is actually smarter.

[00:08:35]And at just before the video ends, we're going to do a comparison of the two and you can see which one's outperforming.

[00:08:42]Um, this week, you know, the markets got hit pretty hard. Um, which probably dropped your portfolio a lot, but I was able to buy 16 more shares of HHIS.U below my average cost. So for anybody in the states, this is a Canadian fund, but basically it holds 20 US stocks, you know, big companies. You you got uh Apple in there and Costco and Strategy and Coinbase, you know, probably Google, so on, right? Amazon. So I was able to pick up 16 more shares below my average cost. So that's great. I'm I know this will recover when the market recovers as well. All right, monthly payers. There hasn't really been a change. Um, I've been paid for the the top three, right?

[00:09:29]HHIS.U, MSTE, and Tespy have all paid so far in June. Um, TDAC, I've increased the number to a,000 shares. We're just waiting for the announcement, and then we'll find out how much we're going to make. I'm kind of hoping it's somewhere between 35 and 38 cents. I mean, the closer to 38 cents, the better or even higher would be great, but we'll have to wait and see. Okay, last month, May, was a great month because there was five weeks. Okay, this month is not going to be as good because it'll only be four weeks worth of weekly payments, uh, plus the monthly. But so far, right now, we're at approximately $1,500. You can see that, um, this little account I have here with RBC only holds MST. Um, when I started it, the balance was 59.48.

[00:10:21]MSTE went up quickly. My uh my account balance went over $8,000. Uh you can see MSTE has dropped down quite a bit and now I'm at 5113.

[00:10:33]Luckily, they didn't reduce the distribution in June. So, I was able to pick up 104 shares. So, now we're up to 2021 shares. Of course, we'll have to wait till the end of the month for them to announce the distribution. Will it be 15 cents again or is it going to get cut? Hard to say, but there's a good chance it could get cut.

[00:10:54]I've done some work to update this spreadsheet. Uh, I had my QDT numbers wrong, so now it's right at 340. The other ones are all pretty much the same as they were. I would like to start building up these positions as well, especially while they're cheap. I think that's the time to do it. Um, you know, there's no point waiting until Bitcoin's at $100,000 and then start buying more of these funds.

[00:11:18]I updated all the current prices last night. So, the market's open right now.

[00:11:23]These could be a little bit up or could be down. But you can see that, you know, as Bitcoin has dropped significantly, all of my, you know, my losses have gone down as well. And, uh, maybe three weeks ago, they were going the other direction. They were finally starting to improve, but unfortunately, it is what it is. I've added in the, uh, June distributions that I've received so far.

[00:11:48]So, the only realized gains I have are all these all these dividends or distributions. Um, but yeah, these are all still negative. I think until Bitcoin breaks 90 or $100,000, we're not going to see any positives down here.

[00:12:03]So, it is what it is.

[00:12:05]I've started using Simply Wall Street and I just wanted to show you one of the things it's capable of doing because I hold MSTE, I hold MSTW, and MSTY. I have three ETFs that that hold Strategy in it. I thought I would look up strategy on their platform and take a look and see what it says. Um, you can see right now it shows trading at 22.7% below their estimate of its fair value.

[00:12:31]So, this might be a good time to pick some up if you're interested. Um, earnings forecast to grow 98% per year.

[00:12:39]That's amazing. They have this little thing here called a snowflake which shows you um the valuation of the company. So it's giving it a four out of six. Future three out of six. Past it shows zero out of six. I'm not sure why.

[00:12:54]And then it shows the health of the company. So it's it's a kind of a neat little feature. You can see there's nothing here because they don't pay a dividend. Um but if you want to take a look, you can click on these buttons on the side here. For example, the valuation. This one I found kind of interesting. So it shows you um share price versus future cash flow value, right? Current price 120. So they're saying it's 22% undervalued, right? So fair value would be 155.

[00:13:23]Um and then you can, you know, they show you what it would be if it was overvalued. Uh future growth. This one was interesting as well. You can see the chart here of how it's grown over time and right this is where we're at right now. But this is what they're predicting, right? So this is why we're in it. You know, this is why we've invested in strategy is for this future growth potential. Okay, guys. Last but not least, I just wanted to show you a comparison of TDAX using Old Fish's um tool here. And you can see that if you take a look at one year, all right, this will bring you back to when TDAX was launched in January and compare the two. Um, TDAC is up 12.44% and TDAX is up 15%. So, it's a little bit higher um of of course because of the leverage. Um, when the market goes down, it'll probably drop a little bit more, but that's in my opinion that's just kind of a buying opportunity. So, I thought that was kind of interesting.

[00:14:31]I'm going to keep my TDAC, but I'm going to add to TDAX. All right, guys. Just a reminder that um you know, the market's been very volatile lately, and I know that there's a lot of new investors, and sometimes, you know, they'll send me they'll send me messages on Blossom saying, "Hey, Paul, you know, I just invested in, you know, HHIS or something and now I'm down 10%, 15%."

[00:14:55]And um you know, they're panicking and they don't know what to do. who should they should they sell their shares? For myself personally, my strategy is not to sell my shares. You know, I've held a fund like HHIS for quite a while now. My average cost was, I think, just over $13. I saw it go up to $14. Everybody was happy. In the green, lots of dividends or distributions. Then it pulled back down to like $10. All of a sudden, everybody's in the red. Nobody's happy. But it kept paying its distributions. It even increased the distribution, right? And what I did was I bought more shares. I brought my average price down to 12 something. And you know, then then the share price started to recover. Went back up above my average cost and then back a little bit below. So you can see the share price will fluctuate. It's going to go up. It's going to go down. Um right now I'm going to just give you a ballpark number. Um, I'm down about say $3,000 $4,000, you know, unrealized loss if I was to sell all of my shares. Okay, $3,000 loss. You know, my wife will kill me.

[00:16:03]But HHIS has paid me $20,000 in distributions. So, I'm really positive 1617,000.

[00:16:14]I'm not negative. And I've taken those distributions and I've bought other ETFs, right? So now I have 17 or sorry 20. Now I have $20,000 worth of other ETFs that are also generating income.

[00:16:28]Okay. Again guys, this is not financial advice. I'm sharing my journey with you.

[00:16:34]I'm almost 53 years old. Um I think my target audience is approximately, you know, 40 to 65 or something. So we're all sort of in the same situation. You know, if this if this is applicable to you, please, you know, like the video, subscribe to the channel, and uh until the next video, bye for now.