Supporting Canadian small businesses is always a win in my books! 🇨🇦 If you haven't checked out Seb's Soaps yet, they're a Québec-based company offering natural, vegan and cruelty-free products. 🧼 Not sure where to start? I'd recommend checking out their bundles: 🧼 Ambassador's Bundle - $58.95 🏕️ Camper's Bundle - $29.45 ☕ Coffee Lover's Bundle - $28.45 ✈️ Traveler's Bundle - $14.95 Even better, my community gets 15% OFF their first order! Shop here: sebs-soaps.com/BRANDON A great way to discover new products while supporting a Canadian business! 🇨🇦

Before buying any individual stock in a TFSA, I look at three things: 1. Durable competitive advantage
Can the business protect pricing, customers, and margins over time? 2. Clean balance sheet
Low debt, strong liquidity, and the ability to survive a downturn without diluting shareholders. 3. A valuation I can defend
Not just “cheap.” A price that still works if growth slows. Everything else is noise. What do you screen for first?

Canadian investors: don’t waste TFSA room on low-growth cash if you have decades to invest. Put growth assets where compounding is tax-free. 
Keep shorter-term money elsewhere. The account structure should match the asset, not the other way around

Goodnight, FinX! 🌙 October has been a wild ride. Let’s see what the markets have in store tomorrow. Rest up, everyone!

Canadian investors, I’m curious. If you had to choose ONE strategy for the next 20 years: Buy and hold $XEQT.TO Build your own portfolio of individual Canadian stocks Which would you choose, and why? Let’s hear your reasoning.

Canadian Investing Fun Fact: The Toronto Stock Exchange (TSX) dates back to 1861. Before Confederation. Before the Canadian dollar. Before the oil sands boom. That’s 6 years before Canada officially became a country. Over 165 years of Canadian market history. 🍁

SoFi $SOFI Beats Q3 Earnings! Shares up ~10 %premarket! Revenue: $1.4B (+44% YoY) vs. $1.25B expected EPS: $0.18 vs. $0.17 expected Members: 17.1M Deposits: $51.3B Record loan originations: $16.9B Raised full-year 2026 outlook 2027 revenue forecast: ~$6.4B 2027 EPS forecast: $0.90 Strong quarter for $SOFI! X will be cheering them on all day!

GM FinX! Happy Tuesday! New day, new opportunities. Stay focused. Think long-term. Build wealth. One day at a time!

🇨🇦 Celestica CLS.TO Q3 2026 Deep Dive: AI Growth Is Accelerating 🚀 Celestica delivered another exceptional quarter, raised its 2026 guidance, and introduced an ambitious 2027 outlook. With shares down significantly from their highs, is this a long-term opportunity or are investors overlooking the risks? Let’s look at the numbers. 👇 - The Business Celestica is a Toronto-based technology manufacturer increasingly exposed to AI infrastructure and data centres. Its Connectivity & Cloud Solutions (CCS) segment, which supplies networking, servers, and cloud infrastructure, now represents approximately 84% of revenue. Q3 2026 Results (USD) - Revenue: $5.83B (+83% YoY) - Adjusted EPS: $3.30 (+109%) - Adjusted operating margin: 8.5% (record) - CCS revenue: $4.87B (+102%) - ATS revenue: $960M (+23%) Revenue and adjusted earnings exceeded expectations, with continued strength in hyperscaler demand. What stands out is that Celestica isn’t just growing revenue. Its adjusted operating margins are expanding as well. 2027 Outlook: The Biggest Surprise Management introduced ambitious targets: - Revenue: $40B (+90% vs. 2026 outlook) - Adjusted EPS: $21.50 - Adjusted operating margin: 9% - Capital expenditures: $1.5B–$2B For perspective, Celestica expects $21B in revenue for 2026. Management also indicated that customer forecasts for 2028 are meaningfully higher than its 2027 outlook. That’s extraordinary growth, but executing on that scale will require substantial investment. The Concern: Free Cash Flow Despite stronger earnings expectations, management reduced its 2026 free cash flow guidance: - Previous: $600M - Updated: $460M That’s a 23% reduction. The primary reason is higher working-capital requirements, particularly inventory needed to support future demand. Celestica also raised approximately $3.45B through an equity offering, strengthening its balance sheet but diluting existing shareholders. My concern: Revenue and earnings are accelerating, but cash generation isn’t keeping pace. Investors need to see those investments translate into sustainable free cash flow. Valuation At the pre-earnings TSX closing price of approximately C$347, Celestica trades around 11.8x management’s projected 2027 adjusted EPS, assuming USD/CAD of 1.37. For a company forecasting 90% revenue growth, that valuation looks interesting. However, it depends heavily on management delivering its targets. Bull Case - Explosive AI infrastructure demand - Strong hyperscaler relationships - Expanding adjusted operating margins - Ambitious 2027 growth outlook - Strengthened balance sheet - Potentially attractive forward valuation Bear Case - Significant customer concentration - Reduced free cash flow guidance - Rising inventory and capital requirements - Shareholder dilution - Heavy dependence on hyperscaler spending - Execution risk associated with rapid expansion What I’ll Be Watching Over the next several quarters: Free cash flow conversion and inventory levels Progress toward 2027 revenue targets Operating margin sustainability Hyperscaler demand and customer concentration Returns on the company’s substantial capital investments My Long-Term Outlook Celestica is becoming one of Canada’s most interesting AI infrastructure companies. Revenue growth is exceptional, margins are improving, and the 2027 outlook suggests management sees substantial demand ahead. But strong revenue growth doesn’t automatically translate into shareholder value. At these valuations, the opportunity looks compelling if management executes. My takeaway: The biggest question isn’t whether Celestica can grow. It’s whether that growth can translate into sustainable free cash flow per share. Are you bullish on $CLS.TO at these levels, or waiting for better cash flow conversion? Not financial advice. Financial figures in USD unless otherwise noted.

My portfolio got smoked last week and I'm still not selling Hardest part of investing isn't picking stocks. 
It's sitting through the red days without doing something dumb.

Celestica ($CLS.TO) delivers an impressive Q3! Q3 Highlights (USD): - Revenue: $5.83B (+83% YoY) - Adjusted EPS: $3.30 (+109% YoY) - Adjusted operating margin: 8.5% Growth Outlook: - 2026 revenue guidance raised to $21B - 2027 revenue projected at $40B (+90%) - 2027 adjusted EPS forecast: $21.50 AI infrastructure demand continues to drive exceptional growth. After a sharp recent selloff, these results reinforce the company’s growth story. Is $CLS.TO still a buying opportunity at these levels, in my opinion it is!

October has been a challenging month for my TFSA. 🇨🇦📉 Currently down 1.93% over the past month, but my long-term investment strategy remains unchanged. Still hoping to finish October in the green.

$HLF ripping +76% today. Japan’s Umios buying High Liner at $27 cash. ~79% premium to Friday’s close. Deal valued at ~$804M. HQ stays in Nova Scotia. Closing targeted Jan 2027. Bang 💣

Trump says a Canada trade deal is coming “pretty soon.” His team says talks are “very close.” Canada says it won’t rush a bad deal. New 50% tariff tweaks hit Oct 30. Deal, or midterm talk, what do you think ?

Good morning, FinX! ☕🇨🇦 Happy Monday, New week, new beginnings as I start my new job today! Wishing everyone a great day and a productive week!

U.S. stock futures are looking relatively flat heading into tomorrow’s trading session. Let’s see what tomorrow brings! Good night, everyone!

Does the mustache look good?