Best canadian couch potato reddit. The idea is to keep you mer and management fees low.

Best canadian couch potato reddit 3M subscribers in the PersonalFinanceCanada community. a. Rather than exchanging it to CAD and running my usual CCP investment style, I'm thinking of doing a similar investing style with my USD investment account but theres no e-series available in USD. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, ETFs, tax implications, index investing, and more! Well, multiple studies have shown that the 30% allocation to Canadian is the best for Canadians (based on historical data). With only two funds, your commission costs are kept low at Questrade, while still giving you more granularity and lower overall MER than using just a single portfolio ETF. Open menu Open navigation Go to Reddit Home. I'm looking to invest in the Canadian Couch Potato TD E-Series portfolio seen here. I don't have to think about what price the funds are at, TD just buys them for me per the schedule I set up. I might allocate 5-10% of my portfolio to individual stocks and manage those more closely. My question is in regards to the bonds aspect of the portfolio. I am doing the 25% bonds and 75% equities. stocks, the result is the same. g. For the sake of this post, if I was considering choosing the iShares Core Income Balanced ETF Portfolio, would it make most sense to invest 100% into XINC or to individually invest into each ETF by following the percentages that they recommend? Canadians interested in investing and looking at opportunities in the market besides being a potato. It's intended to capture the long-term average market return, which Jan 5, 2007 · I’ve compiled the below list by going through numerous Reddit forums and discussions with active investors and Canadians over time over preferences and selections. 8:05 a. 48% is reasonable? Mar 8, 2023 · While the Canadian Couch Potato portfolio won't beat the market, it is unlikely to drastically underperform it either. A lot of people don't have pensions and real estate (myself included), so that just leaves layering in CPP and OAS. Canadian Couch Potato has been a huge help in aligning my savings. Even the asset allocation ETFs from Vanguard, iShares and BMO have a target of about 25% to 30% for Canadian stocks. — Canadian Couch Potato No one can say they weren’t expecting it. I've had a few years of big family changes and have not been keeping up with the changes that CCP (Canadian Couch Potato) has… Canadian Couch Potato vs Rational Reminder Portfolios I am currently following the Canadian couch portfolio of VCN, XAW & ZAG in my TFSA/RRSP via Questrade With what I recently read on this subreddit in regards to XAW - would it be advisable to simply sell all I have and reinvest in Rational Reminders portfolio of XIC, VUN, AVUV, XEF, AVDV, XEC? Posted by u/zinkmink - 29 votes and 12 comments The idea is that inside a TFSA the canadian portion isn't taxed at all. all things related to the Canadian What would be my best options for low fee brokrage and a low maintenance account fee. In TOCC and TOCM about three-quarters of the bonds are Canadian, while in TOCA none of them are. Their ETF investing strategy feels like it could be a good fit for my RRSPs. I’m in no rush to switch as I currently hold e-series with TDDI, but when I do switch to ETFs during this market where my investments are down, it has a theoretically net zero effect if I understand correctly, right? Would this asset distribution match the CCP Global Couch Potato effectively? 20% bonds - RBC Canadian Government Bond Index Fund - 0. I'll be the first to say that couch potato indexing long term is my best option, and will probably beat most peoples stock picking. Also, you wanting to gain even more US exposure is just further market timing. 9%), while TOCA as more (27. Dan Bortolotti here (a. I'm couch potato in my kids resps, and mostly my spouse's tfsa/spousal rrsp. What is the difference between the Canadian couch ETF portfolio and the Canadian portfolio manager ETF model other than the difference in ETFs? I can't decide which model to go with. Y tomorrow. I’m starting late (immigrant in my 40s) but have a high salary so planning a more aggressive breakdown of bonds, Canadian, US, global until I hit age 55 (retire 65). your currency neutral international index) aren't generally a part of the couch potato strategy, but I'm assuming you had to work with the RBC options you were given, and it's fine. I have a monthly USD transfer to my TD account. Any insight and help would be fantastic! Canadian Couch Potato investing - TD eSeries / QuesTrade ETFs and additional questions. XBB, XRB, and XRE in both). Anyway here’s the list: 1. And for those who don’t believe in this approach, people should be more open to learning and having a respectful debate. Say you want to buy X. 333% CANADIAN EQUITY (LEITH WHEELER) 1. Posted by u/[Deleted Account] - 18 votes and 5 comments EQ Bank launches "Notice Savings Account" - 4. I bought into the whole passive, low MER strategy back then and I think that 7. I really like the set it/forget it approach with E-Series. The all-in-one etfs like vgro and xgro likely made the Canadian couch potato portfolios obsolete for the average investor. That's a thing I really like about the couch potato method. 63% 20 Year Annualized for "Assertive Bender Model" - 6. Radarr and Sonarr have been rock solid for me. When comparing VIC Vs. My question now comes for short term savings. r/PersonalFinanceCanada A chip A close button A chip A close button Qtrade Canadian couch potato?. RBC InvestEase, NestWealth, iA WealthAssist). I am new to the reddit community and just recently started my own Canadian Couch Potato portfolio in the past 2 weeks. The Couch Potato strategy—also called index investing, or passive investing—is growing in popularity as more people become disillusioned with overpriced, actively managed mutual funds and It seems like XEQT/VGRO is the default response for so many questions, whereas they should perhaps point people to Canadian Couch Potato to assess for themselves. I have been copying them for a bit and the returns are decent with minimal headaches a d worry. VCNS is 60% bonds I think probably more suitable for someone in retirement. Some of our Canadian listeners might recognize Dan as the man behind the Canadian Couch Potato blog (one of the most popular resources for Canadian investors) and the voice behind the Canadian Couch Potato podcast. Seeing as there’s only 3% Canadian equity in that portfolio, it seems the new Tangerine ETF portfolios wouldn’t be a good choice for non registered accounts at all – is this correct? Now that I understand what they do "behind the scenes", which is arguably a more sophisticated version of the Canadian Couch Potato portfolio. See for example the canadian couch potato series on dividend myths. I've also "diversified" away from ETFs with new deposits, but it is still the backbone of my portfolio. 5% interest with 10 days notice, 5% with 30 days notice Check out the new vanguard funds. Why is Vanguard's VCN the standard Couch Potato Canadian equity ETF over BMO's ZCN? BMO's ZCN seems to have a couple fundamental advantages at the exact same MER: -It contains Canopy Growth and Shopify (WEED and SHOP respectively), which VCN doesn't hold, along with ~35 other large stocks For religious reasons, she doesn't want interest-based returns. I have a TD direct investing account. "couch potato portfolio"). 75% Not much, but worth noting. Before I do this I'd appreciate if anyone has concerns with this plan, thanks! The latest Canadian money saver podcast had Preet coming in as well. 8% return (Annualized: +7. Btw i have asked about real estate many times over the years on this forum and the response is always overwhelmingly that it is like taking on a 2nd job, and much riskier than investing in a broad based index (in fact, a lot of index funds already have real estate in them) Canadian Couch Potato - Model Portfolios - Asset Allocation ETFs comment sorted by Best Top New Controversial Q&A Top Posts Reddit . Hi Folks, I've done quite a bit of reading over the course of the last few weeks and have come up with a few questions regarding my future investments. I have low cost ETFs and take an aggressive high-equity composition because I still have about 20 years before retirement. In Andrew Hallam's book "Millionaire Teacher", he recommends a short term bond ETF such as VSB rather than a total bond market ETF like ZAG. Notice that TOCC has much less in Canadian stocks than international stocks (8% versus 12. So, to replace this I am keeping a portion of my portfolio as plain cash. To clarify, while advisors at PWL Capital share fundamental investment philosophies (notably we do not pick stocks or use market-timing strategies), we do not all implement these ideas in exactly the same way. I like the Canadian Couch Potato model: Canadian Equity, US Equity, International Equity, Emerging Markets, and Bonds. I am only going to be investing the amount to maximize my employer contributions, so $1,000 a year. Correct. Yup, that benefit of smoothing out the highs and lows with monthly payments is called dollar cost averaging. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, ETFs, tax implications, index investing, and more! Hello Dan, big fan of the blog and podcast. Will open an RESP account with Questrade, and put this into it (From the Canadian couch potato's recommended mutual funds): 20% RBC Canadian Index RBF556 0. My specific area of expertise is index investing. International stocks are a total joke and TSX is a… I'm going to invest all of my TFSA into the canadian couch potato model for 1 of the model ETF's (70/30 split) I'm planning to not touch it for 20'ish years, and I'll rebalance once a year. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, ETFs, tax implications, index investing, and more! Having one Canadian equities ETF, one World ex-Canada equities ETF, and a Canadian bond fund gives you all the diversity you'd need in a simple portfolio. I was looking at Canadian Couch Potato and their model portfolios and was wondering if they still are good options? Specifically option 2: td e-series funds. My understanding from my own research and reading on this sub is that VBAL/VGRO is a very good ETF for the long term. I opened it in 2017 and have copied the Canadian Couch Potato model portfolio for TD e-series. reReddit: Top posts of Canadians interested in investing and looking at opportunities in the market besides being a potato. Canadian Couch Potato has some excellent model portfolios with hypothetical performances for many of the ETFs, but nothing for XEQT/VEQT. IMO it is better to focus on total return and if the income generated from a standard vanilla portfolio is insufficient, then pay a "self dividend" by selling shares periodically. I'd swear I got down to those based on a CCP recommended portfolio, but I can't find that anymore? Dec 20, 2020 · Canadian Couch Potato September 29, 2021 at 2:18 pm @Adam: Thanks for the comment. GameStop Moderna Pfizer Johnson & Johnson AstraZeneca Walgreens Best Buy Novavax SpaceX Tesla. After a long and giddy bull market that began in 2009, we finally experienced a calendar year when even balanced portfolios delivered negative returns—something young investors may not have experienced before. 283% Canadian Equity Small and Mid Cap - higher growth potential, higher risk CANADIAN SMALL CAP EQUITY (BISSETT) 1. Skip to main content. 48%). I have set up pre-authorized direct deposits of $1000/month into the RRSP account. I use Questrade. VAB is going to be correlated with the Canadian stock market because it contains corporate bonds and because government's bond performance is dependent on Canada's overall market. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, ETFs, tax implications, index investing, and more! Currency hedged funds (eg. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, ETFs, tax implications, index investing, and more! Canadians interested in investing and looking at opportunities in the market besides being a potato. Hi, everyone. Stick with ETFs and then start with a small percentage in individual stocks IF you want that. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, ETFs, tax implications, index investing, and more! It implements the couch potato strategy and is coincidentally, pretty much the only robo advisor to do so. And you're going about it the right way, the only way to counteract the late start is with more money in, but if you can put in as much as you are saying for the next 15-20 years, you should be close to a million dollars, with a paid off home, and other government benefits, you should hopefully be able to afford a decent retirement. If you have a large enough portfolio that it doesn't fit into your RRSP and TFSA accounts, then you probably want to use something like Canadian Couch Potato Option 3, divided between bonds or GICs, Canadian equities, and international equities, so that you can move some of your investments out of your tax-sheltered accounts as they fill up Hello all, new to investing, try not to crucify me too badly. TO allocation. However the Couch Potato model is also sacrificing a dedicated American equities position for simplicity. Whether you own U. Jun 28, 2021 · The Tangerine Core Portfolios (as well as the traditional Couch Potato models) include equal amounts of Canadian, US and international stocks. The remaining arguments would come down to how you divide those up. 72 MER 25% International equity - RBC International index currency neutral fund - 0. The strategy's name is quite aptly chosen. From what I see here, I am planning on selecting the Canadian equity index (7132), US Equity Index (8131), International Equity Index (8321), and the Canadian Bond Index (4191). If one is to set up a brokerage account with TD DI and wants to follow the Canadian Couch potato method, say the 25% split between the four funds. Half of XAW is S&P500, how could it possibly underperform? Now of course people will rightly say this is due to CAD currency fluctuation. My question is, if I have these two different accounts to invest with, the Direct Investing RSP and the TFSA, does it matter how I split up the 25/25/25/25? I’ve been a long adherent to the Canadian couch potato approach (over 15 years). 20 Year Annualized for "Assertive CCP Model" - 6. To answer the title question, even if it wasn't the actual question, the Canadian Couch Potato blog was started in 2010 and we have had a fantastic bull market since early 2009. $3500 Debt: $12,000 (Wife's student loan. You can only choose between 40%, 60%, or 80% equity ratios, but that's sort of a good thing, as you can just label yourself as conservative, moderate, or aggressive investor, rather than trying to come up with your own exact percentage that you want. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, ETFs, tax implications, index investing, and more! Canadian Couch Potato ETF portfolio model changes? My current TFSA is 40% ZAG, 20% VCN and 40% XAW. The goal of the couch potato is to keep things simple, which is why they've moved to one funds, but balancing three isn't the end of the world. I'll see where the posts go and add more then. After answering questions about your goals, timeline, knowledge/ experience with investing and your perceived comfort with volatility they will choose and then manage a suitable ETF portfolio for you. Does it matter? The 20 year trend suggests there is a slight drag on the CCP version. m. Larry Swedroe has written on this too. GameStop Moderna Pfizer Johnson & Johnson AstraZeneca Walgreens Best Buy Novavax SpaceX Tesla Some of you may have heard of the Canadian Couch Potato investing style. The Canadian couch potato portfolio is Just buying VEQT honestly is the best simple choice for a Canadian investor starting out You can also join the Reddit The tax advantages to Canadian investments is highest for bonds, so it makes sense to have all your bonds allocation in VAB. My Couch Potato portfolio also includes a Canadian equity mutual fund that is a leftover from another investment firm. MY question is how to place the funds; should I put bonds in self managed RRSP's and index funds in my TFSA? I'm a little unsure about the best tax strategy regarding this. If it matters I am currently in the process of switching my investments from TD e-series to Questrade. I’ve been following the couch potato option 3 method, as ETF purchases are free th Canadian Couch Potato will give you the basic information you need. So the definition is: lazy investing. Background. Since I’ll receive a public service pension and am young, I’m willing to start with a higher-risk portfolio. 183% Canadian Equity - medium to higher growth potential, medium to higher risk SRI CANADIAN EQUITY (GWLIM) 1. Thanks. CCPs ETFs: ZAG, VCN and XAW Canadians interested in investing and looking at opportunities in the market besides being a potato. Canadian Couch Potato change I saw that CCP no longer recommends e-series. 233% CDN EQUITY PLUS (MFS) 1. In terms of long term holdings, I’m interested in renewable energy/electric vehicles/DeFi. Ours is distributed among 9 registered and unregistered accounts and so far we have opted to remain with a multi ETF portfolio. . I strongly advise against picking individual stocks. I’m Dan Bortolotti (u/CdnCouchPotato), blogger at Canadian Couch Potato and associate portfolio manager at PWL Capital in Toronto. My three choices are: I’ve been reading about the Canadian Couch Potato investment approach and have some questions. 65 MSCI EAFE If you have reached Step 5 of the PFC money steps and you have money you are confident you won’t need for at least 10 years you could invest in a low cost, passively managed, globally diversified, index tracking portfolio (i. One year) and have used the bulk of my money this year to purchase a house a few months ago. X was 10$ at end of day for market Y today, so you place an order for 1 X. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, ETFs, tax implications, index investing, and more! I've recently started the Canadian Couch Potato strategy for my RRSPs. I am 24 and just starting to begin investing. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, ETFs, tax implications, index investing, and more! Canadian Couch Potato Canadian Portfolio Manager Rational Reminder Other canadian podcasts I've listed to and think are ok: Stress Test, Mostly Money, Moneysaver Podcast, Because Money (the interview with Canadian Couch Potato is excellent) US podcasts: Bogleheads on Investing, The long view, Animal Spirits, Masters in Business — Canadian Couch Potato Post on Vanguard's new product (VRIF): Some have welcomed that 4% payout as a huge improvement over Vanguard’s other asset allocation ETFs, which typically have yields closer to 2%. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, ETFs, tax implications, index investing, and more! I am thinking of investing using the Canadian Couch Potato models and had a few questions about the logistics and overall if it's 'legitimate'. When I look at their model portfolio for ETFs, they have only 3 ETFs in their portfolio (ZAG, VCN, and XAW) and the ratio of each ETF changes based on your risk level. The IRS levies a withholding tax of 15% on dividends paid to Canadian resident investors. Business, Economics, and Finance. Many years ago started doing e-series funds in TD accounts, then switched to my own bank and did their version of low-cost ETFs with my portfolio divided between them. You’ll notice that each Mutual Fund holds a single ETF (if you want, you can simply purchase these Mutual Funds for free through the Jan 28, 2020 · However, I also read previous posts here that it’s best to have majority Canadian equity in these accounts. Severe underperformance to S&P going on for nearly a decade, never mind FANG or QQQ portfolio. Should I hold onto it for a bit longer, or just sell it and put the proceeds into an ETF? Through some good fortune, our portfolio will soon be in the seven figures. He goes a lot deeper with the money gaps venture there and explains a lot more. I've recently gotten into investing and stumbled upon the CCP Model iShares ETF Portfolio and I had a few questions regarding the document. I can’t suggest an appropriate asset allocation for you specifically, but 10% bonds is not “too much” for anyone. You can see those at the Canadian Couch Potato link here, along with a table that reveals the holdings of each of those funds. Does anyone know if this information exists? And if it does, where I can find it? I appreciate any insight! Edit: Canadians interested in investing and looking at opportunities in the market besides being a potato. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, ETFs, tax implications, index investing, and more! It seems as though the Canadian Couch Potato website hasn’t had any new posts for a while now? I’ve seen this question recently and my answer was the same as (the last part) of yours. VGRO, VBAL, XGRO, XBAL), or a mix of TD e-series funds. There is no right or wrong, as ultimately an etf is a packaged product which the company/corp/bank is going to to make a few dollars off the consumers back. I have 90% of my portfolio in XEQT. Setting up a new Canadian couch potato model portfolio for a fair amount of money. Hello, I am wondering if anyone has built a portfolio out of the new Qtrade commission free ETF's? They have limited selection and not the recommended funds from CCP. 4%. After seeing the success of TDB908, I decided to move on from the TD e-Series in favour of a heavy VEQT and ZQQ. The simplest couch potato option would be to use a passively managed robo- advisor account (eg. I am in theory, but I've strayed a bit. Unless this is the only time you will ever invest, or Santa brought you a crystal ball, I suggest that you not think about market timing. This is pretty different from the VCN/ZAG/(what was the other one?) spread from last year. VGRO (not ideal for retired), VBAL (balanced) and the third VCNS. And then say one sets up a pre-authorized purchase plan for a regular purchase every month, will that person end up paying TD's $10 commission per fund, and ultimately $40/month? Asking for a friend. Just pick the asset allocation that suits your personality and goals and go with it as you explore further. 71 MER I want to invest in the low-med risk strategy of 25/25/25/25% in the four TD e-eries funds recommended by Canadian Couch Potato. The one-fund solution is really the ultimate combination of simplicity and cost-effectiveness. S. A couch potato is slang for a person who is lazy or lazing about on the couch. 01$. Crypto Completely agree. After checking the site again to look for any changes in the model portfolios, I see that they no longer recommend these and instead suggest either going with an all-in-one ETF (e. Age: Both 25 years old (wife and I) Yearly Net Income: $117,500 CDN (between my wife and I) Monthly Income: Approx. As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. You should be an editor. If you are 5% off any given allocation, rebalance. After this research, I think the TD e-series funds would be the best fit for me. Not sure exactly what you are asking for. I have a 30-year time frame. I have PPP set up to buy the 4 funds at the end of every month. I let both automatically grab and it always performs superbly, once you set it the way you want it. 89%), and 30% XEF(31. Tomorrow the market opens and oh surp Have a question about maybe getting back into Canadian Couch Potato Portfolio after investing with a robo-adviser for the last 5 years or so. Does he change those sample portfolios yearly? First time for me doing this, I just signed up for questrade and dont want to use the "old" portfolios. 6% Canadian equities and only 25. For her age, I would normally have gone with the Canadian Couch Potato - it's how I've invested a good portion of my own money, but the restriction on interest means that I can't invest in the bond funds for her. Our goal is to help Redditors get answers to questions about Fidelity products and services, money movement, transfers, trading and more. 72 S&P 500 20% Altamira International Index NBC839 0. Following one of the old Canadian Couch Potato portfolios, I currently own XAW (50%), VCN (25%), and ZAG (25%). Canadian Couch Potato continues to underperform Wow that is a spicy title. I'm considering this under the pretense that I would have 30% in bonds in my 30's, 40% in my 40's, and so on Canadians interested in investing and looking at opportunities in the market besides being a potato. If you favour even lower fees and are OK rolling your sleeves up a bit, skip RBCDI and go to Questrade and use a Vanguard or Blackrock portfolio ETF as shown on the Canadian Couch Potato. So I'd like to hear your line of thinking that leads you to throw out that research but still gives you paralysis in choosing 20% vs 25% Canadian equities. Due to personal beliefs, I cannot invest in bonds because of the interest portion. 5% return in 2013. $7300 Monthly Savings: Approx. I'm looking to finally set up my Canadian Couch Potato accounts using the model portfolios and the eSeries funds through TD. Thanks for the original question and for the comments. Dunno about fluff, they have a lot of content though. I give credit to my path towards financial independence in equal proportion to the Canadian Couch Potato Blog, Mr Money Moustache, and Andrew Hallam of The Millionaire Teacher. The performance of a comparable portfolio of index funds in 2013 would have been 35% XIC(12. I like the low effort and I don’t trust myself to make all the right calls involved with picking stocks. Best of Reddit; Topics; options which match the couch potato portfolio recommendations for TD e-series or even tangerine. 2% international). I was thinking of also using my td account to purchase option 1: vanguard asset allocation etfs Looking to build your own Couch Potato portfolio with index funds or ETFs? We offer examples for all risk profiles. Currently I have a TD TFSA mutual funds account. Oh well. 72 MER 25% US equity - RBC Index Currency Neutral Fund - 0. When I tried to do that at the bank, the person helping me told us that while he wasn't going to give financial advice, I should definitely look into why bonds may not be the best thing to buy right now. Thanks! I just finished the first Canadian Couch Potato podcast. And 4 years is nothing when it comes to long term actual couch potato investing. This fund is down 10%. Since you are liking 80/20 keep in mind there are many options. I’ve been writing about personal finance on my blog since 2010, and for MoneySense magazine for almost 15 years now. They use a mixture of different bond funds, they use REITs, they might overweight small-caps. That's 30% of S&P 500, 35% Canadian, and 30% International equity. I have no debt other than a mortgage, am under 30 years old, and am on track for a dece You're trying to time the market which is the opposite of being a couch potato investor. I recently opened a RRSP, TFSA, and margin account with Questrade. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, ETFs, tax implications, index investing, and more! Posted by u/Broad_Trick_9574 - 1 vote and 2 comments Feb 18, 2021 · By contrast, the relative proportions differ among the three TD funds. A large aspect of the "couch potato" strategy is inaction. I was looking at the ETFs model portfolio on Canadian Couch Potato and noticed that the 1 year returns on all the risk tolerances was in the negatives. I haven't look in detail at all robos, but some of their model portfolios are more complex than the CCP. I looked at CP originally but it did not look as good as Radarr. The canadian couch potato recommendations are good ones. 72 S&P/TSX Composite 20% RBC US Index RBF557 0. You're chasing performance. I was thinking to go with the Assertive portfolio. I opened this account in 2017 and have a return of only roughly 135$ since inception and I have about 4k put away in there. Lets see why it doesn't hold water. This. I'm a total noob to this stuff. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, ETFs, tax implications, index investing, and more! Noticed a while back that the Canadian Couch Potato model portfolios for 2020 are all just straight VGRO/VEQT/VBAL for option 1 and iShares equivalents for option 2. Canadian couch potato question using the Canadian couch potato portfolio for about a year I actually started with a modified Canadian Couch Potato method but decided to allocate about 10% to TDB908 instead of TDB909 (Canadian Bond Index). Im looking specifically for longterm real or hypothetical performance. The models don't change year to year you pick your allocation and stick to it. VCN or XIC – VCN is the Canadian Couch Potato’s currently recommended Canadian Equities ETF. All luck but I'll take it seeing that I had bad luck on my side. This is a lightly edited transcript of the exchange, along with some additional comments and links I didn’t have time to provide during… Hey, Fairly new to the investment game (ie. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, ETFs, tax implications, index investing, and more! Couch potato is the right answer for most people. Apr 18, 2016 · Got to keep things simple in my opinion. As some of the commenters have noted, About me: • I’ve been following the Canadian couch potato method for about 10 years with TD e-Series index funds (note that CCP dropped the e-Series from his model portfolios in 2022) Just about to start Canadian Couch Potato. With the mainstreaming of crypto how should the model be adjusted? It's a bit like cash and therefore possibly out of scope but too important and likely required given the monetary effects of a lockdown economy. As for RESPs specifically, the best way to implement the couch potato is with an all-equity portfolio fund, and a bond fund. I still 100% recommend WS for someone who doesn't have the interest or time to educate themselves about Index Fund investing, but I feel that I've outgrown what WS Managed account offers and the fee is Canadians interested in investing and looking at opportunities in the market besides being a potato. Canadian Couch Potato 2021 Rebalance out my RRSP contributions as best I can each year, but 101 votes, 61 comments. The Couch Potato would advise 1/3 in Canadian equities whereas some others may advise only 5%. Crypto I've been a couch potato investor for about 10 years and have a fairly complicated portfolio that has done pretty well (complicated because I made rookie mistakes in early years). 67 MER 30% Canadian equity - RBC Canadian Index Fund - 0. stocks directly in your TFSA or you own a Canadian mutual fund or exchange-traded fund (ETF) that owns U. May 24, 2018 · Here’s Part 2 of the highlights from my recent AMA on Reddit. Your broker is legally obliged to get you the best price available. Some may also offer basic couch potatoes. I checked TD Self Directed Investment account and it has a account maintenance fee of $25 per quarter, which seems excessive. You’ve mentioned a great point - I intend to hold my stocks as long as possible. I currently have 13 different ETF holdings across both RRSP and TFSA with some duplication due to reaching contribution limits in both (e. This is due to XAW (or VXC) underperforming the S&P by 4. Advice on "couch potato" portfolios? 20M, I started investing into my TFSA ($22,500) this year w/ WealthSimple to start off easily with a roboadvisor, but am looking to move to a DIY portfolio with Questrade so that I can start having more control over my investments (and lower fees). Feb 28, 2023 · I was checking out my performance today for my RRSP and in the last 10 years, my couch potato has earned 105. I'm new to investing and saving in general, but I've landed a good job that allows me to save regularly and contribute to my RRSP. 63% note: i used index return minus MER because I couldn't find an international ETF with data for 2013). Is this normal and to be expected? The formula for successful do-it-yourself investing is simple: diversify broadly, keep your costs low, and stick to your plan over the long term. Welcome to Canadian Couch Potato, a blog designed for Canadians who want to learn more about investing using index mutual funds and exchange-traded funds. The first $1000 is currently sitting as cash as I try to make sure I invest this properly using the Canadian Couch Potato strategy. I turned 30 last year, have been following the Canadian Couch Potato (CCP) investment strategy, and understand that due to my age group I should rebalance to hold 30% in bonds. For mine. e. When Dan dropped the multi ETF portfolios from the model portfolios he wrote I’ve been cruising this subreddit for about a week, have read the Millionaire Teacher, and have familiarized myself with the Canadian Couch Potato. XEQT is made up of over 9,500 stocks with the majority of them coming from US and Canadian companies. Couch Potato Portfolio Returns for 2018. You basically just have to trust the portfolio manager that it fits your needs. 633% Posted by u/darth555 - 13 votes and 6 comments Then again, my kids RESP did about 25% simply because I switch institutions at a good time and cashed in at a peak, bought in at a trough and went 100% equities and very little canadian. The idea is to keep you mer and management fees low. Because it is made up of all stocks, no bonds, XEQT is best suited for those with a bit more risk tolerance, who are willing to wait out market swings for the potential to Canadians interested in investing and looking at opportunities in the market besides being a potato. There are four e-Series mutual funds that make up the Couch Potato Model Portfolio. Y with a limit price of 10. I'm sure pretty much everyone who has followed the advice has done fantastically. Canadians interested in investing and looking at opportunities in the market besides being a potato. He is starting money gaps as a B2B model at first, for financial planners (who typically handle mostly high net worth) to make it worth their time to handle smaller net worth clients who don't get Posted by u/t1213 - 1 vote and 21 comments 1. 71% return), 30% VFV(40. If say you already had a chunk of money to invest, research shows it's best to just dump it in the market as opposed to trying to time things or invest over time, but investing monthly as you make the money and also getting the benefits of DCA is a good plan. k. there are so many products out there and with the sellers sweet talking all the pros of the product it’s getting more and more difficult to choose and when people do choose and see the product do poorly for a period of time they end up giving up for awhile or switching to something else. View community ranking In the Top 1% of largest communities on Reddit. Also: for people who are a bit nervous about ups and downs, this may be a good reason to suggest dollar-cost averaging (DCA) instead of the (statistically) better-returning lump sum purchasing. CANADIAN DIVIDEND (GWLIM) 1. It had a 24. Canadian Couch Potato). jpi ozs bkdgo wrme nmvd oorez shptlchg mwrx yarl tnwb