Live Data · USD TFSA

The Boring Portfolio

I lost $300K trying to be clever.
Here's what I do now: nothing.

Underperforming by 5.8%
My Portfolio
+10.2%
vs
S&P 500
+16.0%

7 months of data. Learning as I go.

Current Holdings

USD TFSA Account

Updated 1/24/2026
VOO
S&P 500 Index
31%

The market. That's it.

Return+13.6%
BRK-B
Berkshire Hathaway
28%

Buffett's forever-hold philosophy matches mine

Return-1.9%
QQQ
NASDAQ 100 Index
26%

Tech/growth tilt, still passive

Return+16.9%
BN
Brookfield Corp
9%

Infrastructure + asset management

Return+17.3%
SCHD
Schwab US Dividend ETF
4%

Dividend growth, reinvested

Return+7.7%
UNH
UnitedHealth Group
2%

One individual pick (healthcare)

Return+46.5%
BIL
T-Bills (Cash)
1%

Cash equivalent

Return-0.1%

Portfolio thesis: Mostly indexes. A little Berkshire because Buffett thinks like I want to think. A couple small bets. Nothing clever.

Performance

USD TFSA Account

Loading chart data...
My Portfolio
S&P 500 (SPY)

Note: I'm still learning and refining my approach. I share monthly updates on what I'm learning and how I'm adjusting.

No guru here - just someone figuring it out in public, like everyone else.

2026 Goal

Get Better at Capital Allocation

Improve my long-term outlook. Seek to outperform the S&P while sticking to my principles. No day trading. No time-wasting chaos. Just patient, disciplined investing.

I want to show - with my own money, in public - that this is possible.
Let's wait and see.

I'm Not a Stock Genius.

Neither Are You.

0
Edge I have over the market
30+
Years to let it compound
1x
Trades per quarter (max)
100%
Focus on businesses I control

So I stopped trying.

Buy boring stuff. Set it. Forget it.
Check once a quarter. Build businesses instead.

This page auto-updates from my brokerage. I share what I learn each month.

8Rules. No Exceptions.

Investment Principles

1

I am not smarter than the market.

No edge. Accept it.

2

Time in beats timing.

Buy when I have money. Never sell.

3

Boredom is the strategy.

Feel nothing. Emotion is the enemy.

4

Never sell.

Only exit: death or retirement.

5

Fees are theft.

Near-zero fees. No advisors.

6

Complexity is a warning.

One sentence or it's too complicated.

7

Check it less.

Quarterly at most. Looking = temptation.

8

My edge is elsewhere.

Build businesses. That's my alpha.

Screenshot these. Tattoo them. Whatever works.

Think You Can Beat Me?

Let's race. Check back in 10 years.

You
  • Fees and taxes on every trade
  • Emotional mistakes (panic, FOMO)
  • Time managing instead of making money
  • Underperform the index long-term
Me
Buy boring stuff.
Never look at it.

Build businesses instead. That's where my edge is.

5 yrs
June 2030
10 yrs
June 2035
30 yrs
June 2055

Track My Portfolio vs Yours

I'll email you once a year with my performance. Compare it to yours.

Screenshot your portfolio today.
Let's see who wins.

The $300K Lesson

How I Lost a House Down Payment "Trading"

$300K
Lost
A house down payment
3
Years
Wasted trying to be smart
1000+
Hours
Staring at charts
Before
Custom Algorithms
Backtests, models, "edges"
After
Buy VOO. Do Nothing.
Set it. Forget it. Build businesses.

If I'd just bought VOO and done literally nothing,
I'd have made money AND had my time back.

Transaction History

0sells since inception

That's the strategy. Buy. Don't sell. Repeat.

Oct 15, 2025
BUYBRK-B
@ $493.09
BUYSCHD
@ $26.76
Oct 10, 2025
SPLITBN
3:2 stock split
Aug 25, 2025
BUYBN
@ $65.02
BUYQQQ
@ $572.64
Aug 11, 2025
BUYVOO
@ $585.42
Aug 7, 2025
BUYUNH
@ $243.21
Jul 11, 2025
BUYVOO
@ $572.38
BUYBN
@ $63.00
BUYSCHD
@ $27.39
Jun 20, 2025
BUYBRK-B
@ $484.95
BUYVOO
@ $550.18
BUYQQQ
@ $530.24
BUYBN
@ $59.23
BUYBIL
@ $91.65

All transactions from USD TFSA account. No sells since inception.

The Long Game

30 years. One strategy.

NOW
2025-2030
Keep buying. Don't look.
Build businesses instead.
2030-2040
Keep buying. Don't look.
Let compounding work.
2040-2055
Maybe think about it.
Probably not.
2055
Look back.
See if boring won.

I'm 27.

Still learning. Still refining.
I expect my approach to improve over time.

I share monthly updates on what I'm learning.

Follow the Portfolio

Get notified when I add a position or share annual results.

Annual portfolio update
New position alerts
Performance vs S&P 500

No spam. Unsubscribe anytime. ~4-6 emails per year.

Disclaimer: This is not financial advice. I'm showing what I do, not telling you what to do. Past performance doesn't guarantee future results. Do your own research. I may buy or sell any of these positions at any time without notice.

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