Canadian couch potato etf reddit. 17% for the two Canadian .

Canadian couch potato etf reddit (And if you did ever did want to convert for a large lump sum purchase, there are also better brokerages and ways to do it) IMO WS Trade's strength is primarily Canadian listed stocks and ETFs. 1% cheaper than VXC, I think it's Canadian Couch Potato 2020-12-27T17:58:30-05:00 December 20th, 2020 | Categories: ETFs and Funds | Tags: Asset Allocation, Discount Brokerages, Rebalancing | 97 Comments In the brief time they’ve been around, asset allocation ETFs have transformed the way DIY index investors manage their portfolios. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, I'm planning on starting contributions to one of the all equity ETFs. Granted overall XAW will only be 0. If you're in it for the long term, diversify Canada - U. My husband and recently received enough money to top up our TFSAs in one shot (about 35k each). Or check it out in the app stores Home 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. However when I look at the Canadian couch potato 20-30 expectations it’s high 7% which is in line with what the WealthSimple managed growth portfolios will do. The management fee of the fund will drop to 0. I currently have a couch potato portfolio going in the above four E-Series and I would sell them for different/better funds, but I do like the convenience of moving money between my TD chequing and direct investing. VTI is a core holding in my Complete Couch Potato portfolio, but VUN may be a better alternative for most Canadians. 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. Rob Carrick from the Globe and Mail wrote an article about the upcoming changes to the TD Asset Allocation ETFs. This is recommended a lot on here, but listen to Canadian Couch Potato (Podcast) Ep. I really recommend keeping it simpler and go with overall index like VEQT or if you want bond exposure than add VGRO. Basics: index etf/funds: a sample of funds chosen in proportion to track a set of funds. These in turn recommend the vanguard or ishares asset allocation ETFs. 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 TD Direct Investing platform, but being Mutual Funds the MER will be higher. Welcome to r/LETFs, the Leveraged Exchange-Traded Funds subreddit. Very easy listening and it explains a lot of the rationale you'll hear here. I think I picked this ETF because it was in one of Canadian Couch Potato's model portfolios. Due to personal beliefs, I cannot invest in bonds because of the interest portion. Canadian ETFs can't ever have the same scale (there are several US ETFs that have more assets than the entire Canadian ETF industry), but as they grow I think we may see some funds charging as little as 4 or 5 bps. 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). It is hosted by veteran journalist, blogger, and portfolio manager Dan Bortolotti. Or check it out in the app stores XWD is a world ETF that has Canada cap weighted but you'll be paying over twice the MER of XEQT. Get the Reddit app Scan this QR code to download the app now Canadian Couch potato - too much in Canada? (5159 vs 3040) and holds XEF for ex-NA developed. Canadian Couch Potato has some excellent model Couch potatoes will tell you that the current price for any stock or sector is based on the consensus opinion of what it is worth and that opinion includes the expectations for future growth. What do you think of MSCI All Country World High Quality Index, who represent 85% of the worldwide market cap, and is If your goal is to save for retirement, Google the Canadian Couch Potato blog. My only issue with these all-in-ones is that there is too much home bias. Depending on your risk tolerance, you may find UPRO 300% equity favorable if you can stomach 97% loss in 2008. Good info I appreciate it! juggabags: I’ve followed the Couch Potato plan for years, shifting only very occasionally between the recommended ETFs in my RRSP and TFSA. I’ve been following the couch potato option 3 method, as ETF purchases are free through Questrade. The only way that the stock or sector will beat the average market is if From 1978 through 2007—an investing lifetime for many people—the returns on Canadian, U. Conflicting optimism in returns between Canadian Portfolio Manager and Canadian Couch Potato model ETF portfolios? For example, just looking at the right-most (most growth oriented) portfolios in these PDFs from CCP: It's just that they're both looking at relatively Get the Reddit app Scan this QR code to download the app now. You could always do 90% couch potato and 10% “fun money”. What is the general rule of thumb for those 3 funds to be kept for tax efficiency between a margin account, a TFSA and an RRSP? I have all 3 with Questrade Cheers Edit: thanks a ton for the responses. The all-in-one etfs like vgro and xgro likely made the Canadian couch potato portfolios obsolete for the CPM’s published model portfolios are now all based on using asset-allocation ETFs from Vanguard, iShares, BMO or Mackenzie; for the DIYer who wants to, it explains how to use the These all-in-one ETF portfolios are the best solution for the vast majority of DIY Can anyone point out any negative points against the Canadian Couch Potato TD e-Series Funds strategy? This is a very good idea, and the TD e-series are excellent. $7300 Monthly Savings: Approx. Inquiring about investing in ETFs . an S&P500 index would track the S&P500 (should go up and down in equal proportion). 15%. 29 votes, 12 comments. I have just recently started investing at the start of this year. Or check it out in the app stores I’ve been invested in the Canadian Couch Potato three index fund model since about 2017 (VCN, XAW, ZAG). stocks directly in your TFSA or you own a Canadian mutual fund or exchange-traded fund (ETF) that owns U. Is this normal and to be expected? Naturally I'd be investing in ETFs long term, but if rebalancing means what I think it means (buying/selling new ratios of ETFs each year), doesn't this mean you'll be taking View community ranking In the Top 1% of largest communities on Reddit. Buy, hold, rebalance, and stay the course! Members Online. They make a lot less sense now that there are so many low-cost brokerages offering free purchases of Canadian-listed ETFs Couch potato is the right answer for most people. Age: Both 25 years old (wife and I) Yearly Net Income: $117,500 CDN (between my wife and I) Monthly Income: Approx. If you really want 90% equity allocation. At most brokerages across Canada, a 100% equity Get the Reddit app Scan this QR code to download the app now. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, Get the Reddit app Scan this QR code to download the app now. Canadian couch potato . So, to replace this I am keeping a portion of my portfolio as plain cash. or is it better to switch to the single fund ETFs now? Share Add a Comment. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, (And if you did ever did want to convert for a large lump sum purchase, there are also better brokerages and ways to do it) IMO WS Trade's strength is primarily Canadian listed stocks and ETFs. The money would be there for at least 30 years and I would likely be increasing my bond exposure over time. r/LETFs. In short, it depends on your age and risk aversion. nothing to go on. For example, the Solactive Canada Large Cap Index is a variation of the S&P/TSX 60: both include 60 of the country’s Hi, I'm currently 32 and saving some for my retirement with a portfolio of ETFs in a TFSA account. But I find the Exposure a little bit to much on the Canadian market. - international and keep some fixed income if you're I am new to the reddit community and just recently started my own Canadian Couch Potato portfolio in the past 2 weeks. At the moment, my bond ETF is ZAG, BMO's Aggregate Bond Index ETF. as in if you buy a US listed stock or ETF with Rebalancing as a Canadian Couch Potato Hello PFC friends, 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. But I can speak as someone so has opened up a balanced ETF portfolio in (And if you did ever did want to convert for a large lump sum purchase, there are also better brokerages and ways to do it) IMO WS Trade's strength is primarily Canadian listed stocks and ETFs. 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. 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. For example, VGRO holds 24. Or check it out in the app stores Canadian ETF portfolio help . It's an interview with one of the Vanguard employees who If you have reached Step 5 of the PFC money steps and you have some money you are confident you can invest for long term (ideally at least 10 year) goals you could invest in a low cost, risk appropriate, globally diversified, index tracking (i. Qtrade Canadian couch potato?. stocks, the result is the same. Sort by: Best. The potato guys are perfectly reasonable, but I don't think you have to follow them slavishly, like a lot of people on reddit seem to do. e. Or check it out in the app stores   I'm looking at the Canadian Couch Potato site and Vanguard is struck through on the ETF section of the model portfolio page. You will save their fees at a minimum and probably benefit from lower MERs as well Looking to build your own Couch Potato portfolio with index funds or ETFs? We offer examples for all risk profiles. I'm a total noob to this stuff. For actual more current "advice" check out Canadian Couch Potato or Candian Portfolio Manager Blog - model portfolios. XEQT vs VFV for a couch potato investor comments. I'll see if there's a financial planner in our area. 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 The CCP 3 fund portfolio consists of a Canadian based ETF, a rest of the world ETF and a bond ETF. The problem (and it’s purely psychological) is there’s no fun / sense of accomplishment in just buying the same ETF over and over again. 17% for the two Canadian 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, Would be good to give a listen through the Canadian couch potato podcasts. While VTI’s annual fee is just 0. couch potato) portfolio such as those discussed on the following pages. $3500 Debt: $12,000 (Wife's student loan. Canadian Couch Potato 2018-05-29T21:35:22-04:00 November 15th, 2016 | Categories: Ask the Spud, ETFs | Tags: Ask the Spud | 22 Comments Q: I noticed the unit price of some iShares ETFs changed radically last week. The IRS levies a withholding tax of 15% on dividends paid to Canadian resident investors. 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. Currently i have just shy of $10,000 in Questrade TFSA. I believe Canadians are very overweight in Canadian equities in their portfolios, and we are very condensed into 5-6 major industries here. Posted by u/Broad_Trick_9574 - 1 vote and 2 comments Get the Reddit app Scan this QR code to download the app now. I've just turned 30 and have ~$25,000 ready to move, as well as ~$40,000 spread across 3 Sunlife accounts (offered through work w/employer contributions) RRSP: $22,000, DPSP: $3,200, and DCPP, $13,000. I use the couch potato investing strategy of investing a certain amount of money each month without paying attention to the status of the market. Top. 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. Or check it out in the app stores Canadian Couch Potato guy & Justin Bender . Thanks for the link to the directory. You can see those at the Canadian Couch Potato link here, along with a table that reveals the holdings of each of those funds. You can just buy 90% VEQT and 10% bond ETF. All of the three 100% equity ETF portfolios recommended by Canadian Couch Potato have very low MERs and have a good amount of assets under management. Discuss anything and everything LETF-related! Members Online. It's interesting how the website is "Holy Potato" since there's also a "Canadian Couch Potato". Canadians interested in investing and looking at opportunities in the market besides being a potato. Background. 101 votes, 61 comments. 11% of VCN (Vanguard FTSE Canada All Cap ETF) but Canada's economy/markets amount to 2-3% of the world economy. Canadian Couch Potato ETF portfolio model changes? My current TFSA is 40% ZAG, 20% VCN and 40% XAW. Best. MERs are a The couch potato approach does not need an advisor, get a self-directed account and switch to ETFs. and international stocks were almost identical. I'm in that category financially, but I started investing back in the pre-ETF days, when couch potato investing basically meant owning a small group of investments and rarely/never selling. 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 Vanguard’s initial launch in 2011 included a version of this fund with currency hedging , but this new ETF is not hedged to Canadian dollars. Dan offers straight-up, practical advice for Canadians who want to learn more about index investing, whether they manage their own portfolios or work with an advisor. There's an awful lot of potatoes in finances. I was thinking of also using my td I’ve seen this question recently and my answer was the same as (the last part) of yours. Personally I combine VEQT and ZAG. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, Canadians interested in investing and looking at opportunities in the market besides being a potato. Canadian Couch Potato is a podcast designed to help you become a better investor with index funds and ETFs. Episodes typically Canadian Couch Potato 2018-10-25T20:17:50-04:00 June 8th, 2011 | Categories: ETFs and Funds | Tags: Interviews, Risk Management | 37 Comments Monday’s post discussed the inner workings of the two swap-based ETFs launched by Horizons in late 2010. Or, roboadvisors are still a good choice for someone looking to put everything on autopilot. Finally, the introduction of asset allocation ETFs has made the e-Series funds even less appealing. 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. Or check it out in the app stores     With Vanguard's recent auto rebalancing ETF (VDHD I think) wouldn't the slightly Canadian Couch Potato September 22, 2021 at 2:29 pm @John: The expected return on bonds is indeed low. 4%. New. Good info I appreciate it! The idea is that inside a TFSA the canadian portion isn't taxed at all. However, it’s important to understand the trade-offs if you would like to remove them from a balanced portfolio. Oh and also, yes 8% a year or Canadian Couch Potato has some model ETF portfolios with different risks. and you’ll understand. If you're young and can remain invested during volatile times, you're better off Meaning more percentage of the etf is Canadian business, than Canadian business actual have in global gdp. 20. The IRS doesn't care that TFSAs are tax-free. The Scotia ETFs use Solactive as their index provider: this firm produces indexes very similar to better-known versions from S&P and MSCI, which are the benchmarks used by the Tangerine Core Portfolios. Whats the better long term option for someone young. E. While the S&P 500 edged the others with an 11% annualized return, Canadian equities delivered 10. ZSP is okay for US equities Canadians interested in investing and looking at opportunities in the market besides being a potato. . An example of a conservative ETF would be XINC (20% stock/80% bond) An example of a more aggressive ETF would be XGRO (80% stock/20% bond) Both were taken from the Canadian Couch Potato. I plan to invest at least $1000/month. View community ranking In the Top 1% of largest communities on Reddit. I’m looking for a all-in-one etf with 100% equity, something like XEQT. g. My question is in regards to the bonds aspect of the portfolio. I buy VEQT on questrade. It certainly isn't a get rich quick scheme. Great advice there, worth the read. Aggressive Canadian couch potato plan Just about to start Canadian Couch Potato. Buy all-in-one eg 100% ETF is almost always the play long term for the average retail investor, unless you get lucky picking one off stocks. Read about the Canadian Couch Potato etf Strategy, Jack Bogle etc. Or check it out in the app stores the Canadian Couch Potato blog was started in 2010 and we have had a fantastic bull market since early 2009. if you are currently using the old models and don't mind buying 3 ETFs, and rebalancing them when necessary, there is no reason to change. I plan to use the Canadian Couch Potato in my TFSA. Their ETF investing strategy feels like it could be a good fit for my RRSPs. XEF is the only Canadian ETF that I've seen that holds foreign stocks directly rather than hold US-listed one. Read that XSB was good for this but was previously considering ZAG as per the Canadian Couch Potato portfolio, when comparing their performance I was expecting the short term bond exposed XSB to be outperforming ZAG recently but it seems Canadians interested in investing and looking at opportunities in the market besides being a potato. It's an interview with one of the Vanguard employees who designed and began the all-in-one craze in ETFs in Canada (VGRO/VEQT), and they talk about home bias Reply . Or check it out in the app stores "TD e-Series Returns for 2021" — Canadian Couch Potato New post: In my last post I reviewed the returns of my model ETF portfolios in 2021. Hello everyone, I hope you're all doing well. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, 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 I’ve been reading about the Canadian Couch Potato investment approach and have some questions. Investing Are they Fee Only Financial Advisors? Investing in broad-market (MF or ETF) indexes, diversified between equities and fixed income. For a long time, they were index funds and I've recently swapped them for ETF's as the fees made more ETF's MER is built in to the daily market price, so I thought that market performance numbers (quarterly or annual etc) are more than enough to compare those ETFs. Is there a simpler way to rebalance my portfolio when I do use CCP? Get the Reddit app Scan this QR code to download the app now. 40% and I look at XEQT which has done much better back tested over 10 years. The underlying holdings of the funds will be changed to passive index ETFs (TDB, TTP, TPU, TPE), as confirmed by Benjamin Felix. If VGRO/VBAL is so good, why doesn’t he recommend just purchasing that one ETF for A bit of information: I'm completely new to this idea of couch potato investing and have hardly any experience in these matters. 6% and international equities came in at 10. Thought I would share this for Canadian ETF investors. Hello all, new to investing, try not to crucify me too badly. The I adopted a Couch Potato Strategy for my Registered investments. S. I have more faith in the US economy than ours here and believe it will outperform Canada in the long-term. I’ve been with WealthSimple level 10 since 2021 of June with a time weighted return of 6. Open comment sort options. spxl (3x bull spy) vs spy chart past 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'. People nowadays say not to bother with Bonds because they think the rates will go Well, they're getting closer. I hold the following ETFS; - XEQT - 75% -VFV - 20% The CCP 3 fund portfolio consists of a Canadian based ETF, a rest of the world ETF and a bond ETF. A quick snippet of the fund's self-description: As for RESPs specifically, the best way to implement the couch potato is with an all-equity portfolio fund, and a bond fund. In my opinion there's no reason to start hiring a money manager just because you've passed a certain financial milestone. Vanguard’s initial launch in 2011 included a version of this fund with currency hedging , but this new ETF is not hedged to Canadian dollars. These all-in-one ETF portfolios have the great benefit of maintaining themselves: the e-Series portfolios, by contrast, have four components that need to be regularly rebalanced. Now let’s take a look at how the TD e-Series index mutual funds performed during the year. This site considers 90% equity as aggressive. Canadian Couch Potato, as linked above, is a great site. 17% for the two Canadian I’ve been with WealthSimple level 10 since 2021 of June with a time weighted return of 6. As this stage I'm okay with 100% equity (obviously change that down the road). But, now I’m thinking of getting into one of Vanguard’s new Asset Allocation ETFs (probably VBAL ) and was questioning whether I should move all my current investments over, or just add any new funds If you're interested in passive investing (couch potato model ETFs), your questions would be better fielded over on the PersonalfinanceCanada subreddit. Whether you own U. Source: Scotia ETFs, BlackRock. Also, TD Asset Considering purchasing a Canadian Bond ETF, was looking for something less sensitive in a rising interest rate environment. 80% VFV - 20% VDY Or 100% VEQT Or 80% VGRO - 20% VFV Or 100% VFV See canadian portfolio manager, canadian couch potato, or rational reminder model portfolios View community ranking In the Top 1% of largest communities on Reddit. Ideally I'd like take the couch potato approach and just DCA without having to worth about current market fluctuations. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, View community ranking In the Top 1% of largest communities on Reddit. But to make a long story short, just buy XBAL for a "set it and forget it"-type investment that is super well diversified and can be expected to return ~7-8 Four years ago I started with the Canadian Couch Potato ETF portfolio, sold everything 2 years later after some life changes (marriage, house purchase) with a decent return. 05% (compared with 0. These blogs also are a good resource on this topic: Canadian Couch Potato and Canadian Portfolio Manager Blog. Get the Reddit app Scan this QR code to download the app now. jngryv nyx kpdwbvj imetjzh fcgnh zbvxv mnmgoqz wvibe vizcpb kwiqezxr