Welcome to My Investing Blog: My Stock Market Journey & Results

My name is Eugene. I’m a man, 46 years old. A few months ago, I started investing in stocks. I decided to make a blog to describe my investing journey. I’m not a pro. I don’t have financial or economic education, but I love learning new things. If I like what I’m learning, then over time, I become pretty good at it. And I like the topic of investment and stocks.

First of all, I apologize for my language. English is not my native language. I’m learning English myself and have been living in an English-speaking environment for less than two years. Please understand this. Thank you!

Why did I start investing? The main goal is to build capital to get a decent life after retirement. Yes, I’m 46 years old, and I understand that if I started 20 years ago, it would be significantly better. I thought about it regularly. But I always made excuses: the time wasn’t good enough, I still had enough time, and there were no reliable or profitable options. I thought I would start a successful business in the future, and then I could keep “normal” money, etc. But time passed, or rather flew, and nothing was done. But finally, I became an investor.

By the way, I never seriously thought about investing and what I could get as a result. It turned out that if you start with $10,000, add $1,000 every month, and earn 10% per annum, you can accumulate about $250,000 in ten years. Sure, we are considering a perfect scenario. But you have to admit that it would be very nice to have such a capital when you retire.

I currently live in Canada. I came here almost two years ago. Here I’m a typical low-skilled employee, and my earnings aren’t very high. However, many immigrants work for minimal pay, so I’m not complaining. Sometimes it’s tough, but the main thing is that I can save money for investing.

For the first time I’m holding my money in a bank savings account. However, I’ve concluded that the interest paid by the bank is practically negligible. While this option might be the safest, it doesn’t allow you to build substantial capital. That’s why I started looking for other investment options. A bank savings account is more suited for building a financial cushion, not for long-term investment growth.

What options have I found?

• Banking accounts
• Real Estate
• Bonds
• Gold
• Funds
• Stocks

When I decided to invest in the stock market, I had around 10,000 CAD in my bank account. I rejected investment in real estate because I can’t buy it right away, and the mortgage is not an option for me yet. Bonds are quite reliable, but the returns on them are about the same level as inflation. There are three options left: gold, funds, and stocks. This was the path that I chose.

The next step was to choose an investing platform. I decided on Wealthsimple. This is a Canadian fintech company. As I’m currently living in Canada, this choice was logical for me. Maybe in the future I will change the investing platform, but Wealthsimple is ok for me now.

I did my first investments in February 2025. Most of my portfolio consists of stocks and a few ETFs. Now I understand that my first investments were made in a hurry, with minimal understanding of the issue and without any experience. In addition, some events made my start rather unsuccessful, but now the situation has improved. In the next post, I will tell you which stocks and ETFs I chose at the beginning.