Compounder Moss

2025 Q1 Portfolio: $CSU.TO, $VTI, $TOI.V, $PNP.TO, $CNQ, $SNSXX, $TLT, $VIGIX, $SHELL, $LMN.V Cash: 4.2% Cash + $SNSXX + $TLT: 15.6% Q1: +1.83%

@JimChuong No, forget the grant, put $50k year 1, run the math again

Our child started grade 8 with over $130,000+. Canadian parents can contribute to the Registered Education Savings Plan (RESP) as soon as their child is born. It is tax sheltered and can be open for a total of 36 years. There is a lifetime contribution limit of $50,000 per child. The government contributes $500 a year for the first $2500 that you put in. This is called the Canadian Education Savings Grant (CESG), and it caps out at $7,200 lifetime. If the child does not want to attend post-secondary: 1. The subscriber can withdraw the $50,000 contribution with no tax consequences 2. The investment growth can be put into the subscriber's Registered Retirement Savings Plan (RRSP) 3. The $7,200 CESG must be returned to the government. The first thing we did was open up our RESP as a self-directed brokerage account. No third party. No group RESP. No financial adviser. Some parents contribute $2,500 and get $500 from the government every year but this is slow and very inefficient. Time Value of Money suggests that compound interest works best when there is: 1. A long time horizon 2. Larger initial investment at t=0 This is called front-loading your RESP. This is what it looks like for each year: ✅ Birth year: $14,000 lump sum contribution + $2,500 birth year contribution + $500 CESG = $16,500. ✅ For the next 13 years: $2,500 contribution + $500 CESG. ✅ 14th year: $1,000 contribution + $200 CESG. Total contribution from parents: $16,500 + 13 x ($2,500) + $1,000 = $50,000 Total contribution from government (CESG): $500 x 14 + $200 = $7,200 The remaining balance is from the growth of investments in the account. After the 14th year, the time to post-secondary falls below 5 years, and the asset allocation will change. Education. Not advice. Consult your financial adviser. Past performance is no guarantee of future results. No offer. Not a solicitation to buy or sell any asset or asset class. There is no “investment opportunity.” All investing is subject to risk including the possible loss of the money you invest.

@compoundpapi has been vindicated! $pnp.to

@compoundpapi Exactly!

@compoundpapi You need $14mil

@compoundpapi Need $2mil per person

@fahdananta Take these people to the basement of RCH and have them report back ha ha ha

Just catching up on this story: - Guy comments “imagine the smell” on a pic of engineers packed at a hackathon - Ppl say it’s racist towards Indians?? - Guy gets fired from his company for not apologizing Have you ever been to a CS lounge or a room full of software engineers…

@zeroxpectation when is the IPO?

Ernströmgruppen: Swedish industrial serial acquirer flow tech, safety products, water, energy & automation IPO candidate; est. EV SEK 15b founded 1918 main owner: Hobohm-Hielte family rev 20% cagr EBITA 28% cagr ROCE 17% (target 20%+) leverage over 2x (target <3x) 8 M&As in '24

@ankurnagpal I would like to check it out thanks!

This is the last call for my tax planning guide I break down every single tax saving strategy that I wish I knew 3 years ago in a 30,000 word Notion guide Most of these need to be implemented by December 31 to save money RT / comment below and I'll DM you a free copy

@compoundpapi 45min just to get on the Gardiner, it’s insane

@compoundpapi Holy shit

@SimeonResearch_ @oguzerkan Yes

@oguzerkan Fellas we are like 3% away from ATH and we need to post Peter Lynch videos?

Peter Lynch on how to handle the market volatility.

@JerryCap I’m surprised he didn’t issue a press release when the swinger video came out

Buff Dawg getting pissed about a video with 17K views means he's definitely watched us tweet the last decade

@JerryCap Big Burry Energy

SELL

@RampCapitalLLC Then we get cheap groceries and frozen rent

Let’s play devil’s advocate: What if Mamdani’s NYC doesn’t become an epic failure?

@sidecarcap $meq.to

I’m just looking for publicly traded businesses whose CEOs run them like they are privately held. They are getting harder to find.

@compoundpapi 🙏 Thank you papi!

@ArenaManCapital @long_equity 💯

@long_equity @microcapmoss Never bet against you know who

Sometimes 50% drawdowns are short-lived. In Q1 of 2025 Arista Networks saw their share price half. They are now up 140% from their YTD low.

@ErnestWongBWM Seriously, can these analysts think of any better questions?

Not sure why everyone keeps asking $CSU.TO about buybacks... why would you want them to buyback stock at a 3-4% FCF yield when they do M&A at 25-30% returns?

@Jam_invest @IBKR Wow I did not know that, crazy

@microcapmoss @IBKR IBKR let’s everyone buy absurd-cheap, HK stocks, EXCEPT… residents from Canada, Europe, and the US.

Which broker is most annoying / patronizing? @IBKR Just allow your customers to buy divvie-paying HK stocks, IB. Your customers keep on reaching out to me to complain about you.