EI Personal Finance - Track Your Results One Quarter at a Time · Express Innovation

Episode 19 - October 1, 2025. Why Invest in Individual Stocks

·32 min

Express Innovation hosts discuss their investment strategy and 2025 market performance in early October. After a remarkable 14% gain in Q3 (June-October 1), they acknowledge the market's unsustainable bullishness, driven by AI speculation and rate cut expectations. Rather than chasing momentum in stocks like NVIDIA or Tesla, they advocate for patient, diversified stock picking—owning quality blue-chip names (RBC, JP Morgan, Apple, Amazon, Snowflake) in key sectors (banking, energy, utilities). They argue that while it's hard to beat the index long-term, strategic individual stock ownership with dividends and sector diversification beats passive investing for disciplined investors. As portfolios grow and investors age, however, the hosts are adding low-cost ETFs and yield to reduce unnecessary risk. The core message: ignore FOMO, take profits on winners, avoid penny stocks and meme stocks, and remember that time and compounding work better than timing.

As heard by us

A practical case for owning a few stocks without letting sector bias dominate the portfolio.

The October 1, 2025 episode returns to a familiar investing question: why own individual stocks at all? It ties that question to the 30-minute drill and to checking results across the year and the quarter, while keeping the focus on sector bias, the danger of over-indexing, and…

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You want a calm case for owning individual stocks without letting one sector swallow the portfolio.

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