Tfsa canadian couch potato review. 145 votes, 60 comments.

Tfsa canadian couch potato review Canadians interested in investing and looking at opportunities in the market besides being a potato. Emerg. I don’t get why they are creating a new platform though, just make the TD ETFs free to buy on TD Direct Investing. I thought I’d add one more factor when considering this: if you borrow to invest (such as borrowing against your home to investment) and want to be able to write off the interest expense against your investment it seems you should not invest that part of your portfolio in these swap ETF structure! Jan 23, 2012 · Good afternoon Canadian Couch Potato blog contributors, I have recently finished an index investing course on Udemy. But if you have nonregistered accounts, things are more complicated, even if you’re a Couch Potato who uses ETFs and index funds. true. Sep 17, 2012 · Note this exemption does not apply to Tax-Free Savings Accounts (TFSAs). Jan 30, 2015 · There are far too many details to review here, but among the most important is that withholding taxes on dividends are lost if you hold a Canadian mutual fund or ETF of foreign stocks inside an RRSP or TFSA. I have a question for you: I have $50,000 to invest in non-registered portfolio. I love my couch potato portfolios. Disadvantages of Tangerine Investment Funds. I am 24 and just starting to begin investing. I know XGRO isn’t ideal within TFSA because of the additional withholding tax. It worked exactly as described in the article. I think in my journey from Newbie Couch Potato to Intermediate I have gone through various stages of thinking. I tried to include it in my portfolio, but was not able to. 59, $19. However, I am planning to buy another option with a different strike price and expiration date with the same underlying stock in the same day. May 5, 2014 · Canadian Couch Potato 2017-12-02T21:10:53-05:00 May 5th, 2014 | Categories: Book Reviews, Indexing Basics | Tags: Books | 36 Comments When I first became interested in indexing, someone recommended William Bernstein’s The Four Pillars of Investing . May 18, 2017 · Another note: iShares opened a third US Equity ESG-ETF: iShares MSCI USA ESG Optimized ETF (ESGU). 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 Dec 20, 2020 · Canadian Couch Potato September 29, 2021 at 2:18 pm @Adam: Thanks for the comment. Feb 26, 2015 · (Yes, I realize you may question this wisdom, if I have unused TFSA room, but my argument is academic right now. a. Oct 19, 2010 · They only have non-registered accounts which makes it useless for most Canucks. Mar 3, 2015 · Canadian Couch Potato March 14, 2015 at 10:18 pm @Jas: I would not recommend any bond fund for such short-term savings. I live in the province of Saskatchewan within Canada and am 27 years old. That’s why all Canadian investors should give serious thought to addressing their home bias. VTI is a core holding in my Complete Couch Potato portfolio, but VUN may be a better alternative for most Canadians. Oct 15, 2013 · The Couch Potato portfolios I recommend use total-market index funds wherever possible, so I normally don’t pay much attention to sector funds. 2% per year isn't trivial if you're looking at investing for se Feb 24, 2011 · My Complete Couch Potato has six, and that is plenty for most investors. Even a traditional Canadian equity index fund has some diversification problems with 240-plus companies and 34% in financials. One of the foundational principles behind the Canadian Couch Potato’s approach to investing is the importance of personal finance and effective investment planning. Sep 21, 2024 · The Path to the Canadian All In One ETF. 22 into my TSFA and RSP adding only on pullbacks below the 100sma on a DCA weekly basis. 77), 30/10/2020 $20. It has a lower MER of 0. I get my contribution room back in my TFSA next year, based on the Canadian value of my USD withdrawal on the day I transfer it out of my TFSA. Oct 26, 2015 · I love reading Canadian Couch Potato. If your RRSP is valued at $100,000, then you should probably have a lot of TFSA room (or a large TFSA) by now, and it is also a great place to practice the Canadian Couch Potato strategy. Yeah, if you don't mind a higher MER and tax-inefficient asset allocation. 07%) but they are far easier to build and manage than the ETF portfolios. Apr 23, 2019 · My Couch Potato portfolio also includes a Canadian equity mutual fund that is a leftover from another investment firm. I have set up pre-authorized direct deposits of $1000/month into the RRSP account. Jan 1, 2015 · I will be talking to a financial planner to review our retirement plan this year, not for investment advice, rather to review our plan A, B and C depending on retirement ages. 1) The idea of “owning the entire market” – and thus earning the market’s average return – means that investors no longer have to lose money by trying to pick stocks in their spare time. I discovered CCP 6 years back and have stuck to one portfolio ETF : XGRO in both my RRSP and TFSA based on my risk tolerance. Jun 6, 2011 · CCP, thanks for the excellent posts and continued responses you provide your readers. This fund has a similar makeup to the much older iShares Canadian Universe Bond (XBB), but again, the key difference is cost. 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. You’ve already taken the biggest step, and I want to encourage you not to get stuck in the weeds, as is so common with new DIY investors. But the US government may consider them foreign trusts that require additional reporting. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, ETFs, tax implications, index investing, and more! May 9, 2017 · The hypothetical questions asked in this post (and in the responses from readers) are a good test of how well one has grasped the CCP idea. Canadian Couch Potato). . Oct 22, 2020 · @Canadian Couch Potato, I have a loss situation with Options that will expire in January 15, 2021. 84, $15. We are 55 and it is time to review our retirement options again. What type of fund? Canadian Couch Potato February 18, 2019 at 10:08 am Feb 20, 2014 · I would argue that in a TFSA or taxable account the difference is trivial, and Canadian-listed ETFs are almost certainly the better choice. Jan 26, 2012 · Say in a Non RRSP, Non-TFSA couch-potato portfolio you hold 40% in CAB as your Income or Stable portion. So I’m pleased to share the reason for the long silence: I’ve been busy on a new book called Reboot Your Portfolio: 9 Steps to Successful Investing with ETFs. 65, $16. Jun 18, 2014 · Don’t open a TFSA or an RESP. As the April 30 tax deadline approaches, pretty much all you need to do is gather your RRSP contribution slips. So I’m pleased to [] Canadian Couch Potato 2021-10-26T19:48:11-04:00 ETFs and Funds , Financial Planning , Portfolio Management | 216 Comments Jan 31, 2011 · It’s not just dividend investors who face risks from Canada’s small, narrowly focused stock market. No RRSP, TFSA, RESP, RRIF accounts etc. I am currently about 25% Self-Directed Couch Potato and 75% with the same inherited “good” adviser and am trying to figure out how to mostly part ways and how urgently I need to (RRSP – DYN 077/9494, TFSA – DYN 1562, Non-Reg. My assumption is that the 1% commission will apply to any purchase, regardless of how it is initiated. Sep 6, 2019 · Most of the swap-based ETFs in Horizons’ lineup are inappropriate for Couch Potato investors, but many buy-and-hold indexers use the Horizons S&P/TSX 60 Index ETF (HXT) and Horizons S&P 500 Index ETF (HXS) for the Canadian and US equity markets, respectively, and the Horizons Canadian Select Universe Bond ETF (HBB) has also been popular with Feb 18, 2021 · By contrast, the relative proportions differ among the three TD funds. As with the Global Couch Potato, I’ve substituted the Vanguard FTSE Canada All Cap (VCN) and the Vanguard Canadian Aggregate Bond (VAB) to reduce costs of the portfolio by few basis points. 08, and $18. 06% (compared to an average of 1. I've been listening to the Canadian couch potato investing podcast and in one episode they crunch the numbers saying that 2/3s of the time it works out better to invest all at once. 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. The 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. 2% international). This year, however… Mar 17, 2018 · Just to be thorough, you can get your target asset mix by adding a tiny bit of complexity and using 2 of those funds or more. The MoneySense “Ultimate Feb 26, 2021 · HGRO uses six underlying equity ETFs to achieve global exposure: One of the first things you’ll notice is the high allocation to US stocks compared with the asset allocation ETFs from Vanguard and iShares. Cost: While the Tangerine investment funds are not ridiculously expensive at 1. Now it’s time to present the updated longer-term returns of the portfolios, with data provided by Justin Bender. 52, $16. Jan 9, 2014 · As it turns out, the Global Couch Potato and the Über-Tuber performed almost identically in 2013, which can only be attributed to coincidence, since their asset mix is very different. May 20, 2014 · Canadian Couch Potato April 21, 2017 at 7:17 am @Ellen: Yes, the stated yield is after the 15% withholding tax is deducted. The RESP & TFSA (TD efunds) portfolio is about to get to six figures and I’m wondering if it is time to switch to an ETF portfolio? Jul 17, 2023 · Couch Potato Portfolio ETF Pie for M1 Finance. /r/AMD is community run and does not represent AMD in any capacity unless specified. Aug 2, 2017 · 1. 05 and 28/02 Nov 19, 2014 · Canadian Couch Potato January 11, 2018 at 10:05 am @Peter: It’s impossible to make a specific recommendation for your situation without knowing all the details. Even in an RRSP, the total difference of 14 basis points is not likely to outweigh the cost of currency conversion in smaller accounts. In case you think that Bortolotti no longer practises what he preaches, his office uses broad-based index-tracking Exchange-Traded Funds (ETFs) for their clients’ portfolios, not actively managed mutual 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. May 24, 2018 · Hi Dan, I have a quick question regarding TFSAs. ” Sep 12, 2014 · Canadian Couch Potato February 4, 2019 at 7:24 am @Dan: Congratulations on making the move. VEQT allocates about 41% to US equities, while XEQT gives the country a 48% share. Before I do this I'd appreciate if anyone has concerns with this plan, thanks! Dec 13, 2016 · Canadian Couch Potato December 10, 2019 at 10:36 am @Scott: I don’t think there are many situations where it makes sense to sell an ETF to avoid an expected capital gains distribution. 74, $16. What is Canadian couch potato investing? Canadian couch potato investing is an investment strategy that’s simple, low cost, and relatively low effort. The Horizons portfolios trump both with a 55% allocation. What we’re talking about ETFs and Funds Sep 27, 2011 · There comes a time in every Couch Potato’s life when he or she has to answer a nagging question: can I do better? Sure, the three or four plain-vanilla funds in the Global Couch Potato have an excellent track record. Oct 14, 2022 · Updated for 2022, a look back at the performance of the MoneySense Canadian Couch Potato Portfolio Guide, looking at it all, from core to advanced portfolio models. I am looking for a tax efficient way to have foreign exposure (either US or international) in my TFSA and/or RESP and I am yet to figure it out. 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 Complete Couch Potato, on the other hand, dramatically underperformed. Bortolotti is the founder of the Canadian Couch Potato blog, perhaps the premier go-to source for learning about index investing in Canada. XBB has a management fee of 0. Dec 27, 2020 · I came across the Canadian Couch Potato website and it looks like a very hands-off minimalistic investment strategy. While it does involve investing in index funds, it doesn’t require extensive research on which markets are the most successful or making any kind of forecasts. you can just pick one of the many all-in-one ETFs and call it a day. If you set your bonds ratio at 20% or 40% its performance should be very close to that of VGRO or VBAL (remember – its slightly lower fees but more work for you). And, really, does any Canadian investor need more concentration in energy and financials, which already make up 60% of the S&P/TSX 60? But the launch of these funds is significant for a couple of reasons. 53, $18. Jan 25, 2016 · Canadian Couch Potato 2018-05-29T22:03:32-04:00 January 25th, 2016 | Categories: Behavioral Finance, Book Reviews | Tags: Books | 129 Comments Last January, I overhauled my model portfolios to make them simpler. For instance : – If you use 50% of VBAL and 50% of VCNS, you effectively have a 50%/50% equity/bond mix that is automatically rebalanced Jun 9, 2014 · If you’re thinking about using ShareOwner’s service to build a Couch Potato portfolio, I’ll make a couple of suggestions. 9%), while TOCA as more (27. Even Couch Potatoes who hold the entire S&P/TSX Composite have 70% of their money in three sectors (financials, energy, and materials). Oct 20, 2014 · “A lot of what I read suggests that I get into fixed income…” this snippet, among others, suggests that like many other newcomers to the Couch Potato Philosophy, you are receiving lots of input from many sources, including authoritative sounding ones, such as commentary from experts in the Financial Section, etc. May 25, 2017 · RRSP/TFSA/SAVINGS, which ETF to buy for couch potato portfolio? Jump to Latest 11K views 6 replies 3 participants last post by Jimmy May 28, 2017 Dec 15, 2014 · See this old review from Canadian Capitalist: 2015 TFSA contribution. For a comprehensive guide to using the Couch Potato strategy, please see my book, Reboot Your Portfolio: 9 Steps to Successful Investing with ETFs. Jun 18, 2010 · I’m just looking into diversifying my couch potato portfolio builtup of TD e series to include a ZRE. They also have a $10/month minimum trading fee so if you are a couch potato, then you probably won’t save much on trading commissions. Yeah, that was my Plan B. The index: The fund tracks the FTSE All-World ex Canada Index, which includes “primarily large- and mid-capitalization stocks of companies located in developed and emerging markets, excluding Canada. Apr 4, 2013 · Being a DIY investor is easy when all your accounts are tax-deferred. Also, note that VFV is an S&P 500 index fund but it is priced in Canadian dollars, so the fund’s return is combination of the actual performance of the S&P 500 and the performance of the US/Canadian exchange rate. As some of the commenters have noted, Mar 12, 2015 · It is suggested that we hold preferred shares outside a TFSA mostly because they are tax efficient, but that brings one question to my mind: Let’s say I put a lot of money into preferred shares (and other income stocks / etfs and bonds) and I receive $2000 a year in cash returns into my TFSA. Dan’s posts at Canadian Couch Potato are a great learning resource. 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? 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. All of the same investments you can make in your RRSP are also available in your TFSA. I looked into VEQT as well but I don’t like 30% of their allocation to Canadian equities. can anyone explain why done rate it at 1 star? My second question is: is there a good reason why I shouldn’t use some of my home line of credit at a discount interest to invest in ZRE and use the monthly dividend to repay LOC. First, the five model portfolios seem well designed on the equity side, with a good mix of Canadian, US, international and emerging markets, as well as REITs—very similar to what you’d see in my Complete Couch Potato. I am planning to sell this Option with loss when it still has some value. I perused the RBC DI documents again and could not find any specific mention regarding systematic purchase plans for MFs. The first $1000 is currently sitting as cash as I try to make sure I invest this properly using the Canadian Couch Potato strategy. Jan 23, 2020 · I adopt a simple strategy investing 100% in XEQT $26. We can agree that this is foolish if it would realize a larger capital gain, and as you point out, if there is a loss you would need to wait 30 days to I have some experience in trading stocks, and have been thoroughly reading through the Canadian Couch Potato strategy, but does anyone with experience, specifically with RBC, have any tips or advice on how to start building a balanced portfolio in a TFSA through a self directed account? Canadians interested in investing and looking at opportunities in the market besides being a potato. 47 and the last 2 weeks on 21/01/2022 at $26. Notice that TOCC has much less in Canadian stocks than international stocks (8% versus 12. Even the safety net had gaping holes: Canadian bond ETFs saw peak-to-trough price drops of about 14%, which no one had ever seen before. My reason for investing is to increase my wealth in order to become financially independent. Then, almost as quickly as the markets fell, they roared back more swiftly than anyone Jan 17, 2013 · Last week I announced the 2012 returns for my model portfolios. Oct 12, 2010 · @Canadian Couch Potato @ Elisa – Re: “You would need to sell TDB8150, wait for settlement (next day) and then place an order for the e-Series fund. Aug 30, 2019 · @Canadian Couch Potato @Amir. Mar 28, 2013 · 2) TFSA or RESP (I am assuming the answer is the same for these types of accounts). What is the Canadian Couch Potato? The Canadian Couch Potato portfolio is a model portfolio that is published on a blog (developed by Dan Bortolotti) and designed for Canadians who want to learn more about investing using index mutual funds and exchange-traded funds Nov 19, 2023 · The Canadian Couch Potato strategy recommends a portfolio of at least $50,000 if you want to invest using a discount brokerage account. 57, $18,22, $18. WELCOME TO CANADIAN COUCH POTATO. If you hold the same fund in a non-registered account, however, you can recover the withholding taxes by claiming a credit on your tax return. Looking to open a TFSA and I have a td direct investing account open that I haven't used yet. 100% XEQT in TFSA 100% ITOT in RRSP (maybe I need to rethink 100% ITOT, but I'm going to focus on max'ing out my FHSA before contributing to my RRSP) Jan 26, 2021 · But before we dive in, here's a bit about the Canadian Couch Potato Portfolios. This fund is down 10%. ” Aug 16, 2013 · 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. 30%, while the Aug 28, 2019 · While I will miss future episodes being produced you’ve created a remarkable body of information for the couch potato investor to review. If it makes you less likely to have buyer's remorse, basically. 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. In TOCC and TOCM about three-quarters of the bonds are Canadian, while in TOCA none of them are. Jul 10, 2014 · This post is part of a series that takes a detailed look at specific Canadian ETFs or index funds. Should I hold onto it for a bit longer, or just sell it and put the proceeds into an ETF? We have a strong intuition that we should wait for a stock or fund to get back to even before we sell it. • 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) • I am invested in: o TFSA – TD e-Series 60/40 split (equities/bonds) o Non-registered – TD e-Series 70/30 split (equities/bonds) Jul 19, 2018 · There are a couple of basic rules bond investors can depend on. That’s easy to explain: the Complete includes three asset classes absent in the Jan 22, 2021 · From peak to trough, Canadian equities had declined more than 37%, and foreign markets saw losses between 26% and 29%. The second is that long-term bonds are vulnerable to larger price swings than short-term bonds—in other words, they are more sensitive to changes in interest rates. Thanks for the original question and for the comments. There is also a $10,000 account minimum. Jul 7, 2017 · Just an update on the RBC Canadian Bond Index Fund (RBF700): apparently, you aren’t allow to buy that fund individually. Discussion is geared towards investment opportunities that Canadians have access to, including questions regarding individual companies, ETFs, tax implications, index investing, and more! Jan 6, 2017 · Gosh TDB3085 has around 55% canadian equity along with xre and xut you have a lot of canada content when the couch potato has only 20% cdn equity. If you have a very large account and low brokerage fees, then you can make a good argument for including 11 or 12, but that certainly isn’t necessary. To help with that task, I’ve compiled a checklist of commission-free ETFs available from each of the brokerages, limiting the selection to broadly diversified funds that cover core asset classes. 28% and follows a similar selection algorithm to ESGD and ESGE. The fund: Vanguard FTSE All-World ex Canada Index ETF (VXC). But this Jan 26, 2017 · In Episode 4 of the Canadian Couch Potato podcast, I answered the following question from a listener named Jakob: I’m currently investing with all my ETFs in RRSP and TFSA accounts. It can be beneficial to ladder the investment for a behavioural and psychological reason. I’ve been a long time follower and switched to the couch potato initially in 2006 (etf’s) and again in 2009 for my kids RESP and my TFSA (td e funds). investors to implement the Couch Potato Portfolio because it makes annual rebalancing seamless and easy with one click (consistent with Scott Burns's recommendation of simplicity and low effort), has zero transaction fees, and incorporates dynamic rebalancing for new deposits. Since I already bank with TD, I figured I would follow their TD e-Series model portfolio where I would be investing my money in four index funds. In a year, at rebalancing time, say you have received X dollars in cash from ROC (which you can use to buy more CAB or HXT or HXS depending on how the preceding 12 months has affected your original 40:30:30 mix). 47, $19. Oct 26, 2021 · It’s been a while since the last new article appeared on the Canadian Couch Potato blog, and over two years since the last podcast. Welcome to /r/AMD — the subreddit for all things AMD; come talk about Ryzen, Radeon, Zen4, RDNA3, EPYC, Threadripper, rumors, reviews, news and more. It looks like your portfolio has 12% outside of canada equity, mostly USA while the CCP portfolio is 40% equity outside of canada. M1 Finance is a great choice of broker for U. 98% for equity mutual funds), there are cheaper Nov 7, 2016 · The first is the lack of diversification. Even the asset allocation ETFs from Vanguard, iShares and BMO have a target of about 25% to 30% for Canadian stocks. Option 3: VCN + XAW + ZAG (Canadian Couch Potato Approach) Like I said, Option 3 is the Canadian couch potato model portfolio. As for the Globe/Morningstar inconsistency, the best advice I can give you is not to trust free online sources like these. ) 6. Sep 13, 2024 · We’ll provide a Canadian Couch Potato review below, and discuss some of the features of the portfolios that the website recommends. Apr 15, 2013 · Canadian Couch Potato December 15, 2013 at 11:12 am @Ben: The key point is that there is no way to avoid international (non-US) withholding taxes in an RRSP, no matter what type of fund structure you use. I recently opened a RRSP, TFSA, and margin account with Questrade. There have been four revolutions when it comes to low cost “couch potato” index investing in Canada. Jun 28, 2012 · But if you’re a long-term Couch Potato investor, you have to look a little harder for appropriate ETFs. Jul 12, 2012 · So you would use in in a couch potato type portfolio in the same place as you would otherwise use your Bond ETF (barbell, laddered or otherwise), and they would let you also have proportional Equity ETFs in the TFSA, and annually or whenever you plan to, you can re-balance your portfolio, which includes “selling” by somehow redeeming some Dec 15, 2016 · Dan, great website. Dec 31, 2018 · Canadian Couch Potato September 30, 2019 at 11:41 am @Ethan: Yes, the most straightforward way to make the switch is to simply liquidate all of your holdings and then immediately purchase your all-in-one ETF across all your accounts. But they’re just so dull. I was looking at Canadian Couch Potato and their model portfolios and was wondering if they still are good options? 2 days ago · If you put your TFSA savings into a couch potato portfolio of index funds or ETFs and leave it to grow, you’ll really make the most of those tax-free, compound returns. I plan to grow my emergency fund to $20,000 and have around $35,000 of Dec 31, 2020 · Thanks Dan for this blog and your simple portfolio suggestions. Feb 13, 2014 · @CCP: Regarding your earlier answer to @Jas that it was too early to judge the relative merits of BXF vs ZDB because of lack of sufficient information to date, I understand that in the strip coupon ladder ETF BXF the regular distributions to ETF holders, despite deriving ultimately from the capital gain on the discounted bonds is unfortunately treated by Revenue Canada as straight interest income. 17% for the two Canadian Jan 28, 2020 · However, I also read previous posts here that it’s best to have majority Canadian equity in these accounts. Trying to sort out my answers have led to an uncomfortable review of what I truly believe. I don’t think TDDI will allow you to place a “switch” order, as this is usually only possible with mutual funds and technically TDB8105 is not a mutual fund, it is a savings product. There is always the risk such a fund could fall in value. I have never invested in ETFs so far and I am seriously thinking (and as I am close to 50 now), in investing in ETFs. That meant adding funds week ending 28/02/2020 through to the 15/05/2020 at ($19. Jan 12, 2019 · The subtleties. Apr 14, 2014 · I struggled with this for a while, and was variously 20-100% in equity mutual funds with the remainder in cash (cash was down payment saving, not retirement) I’m now pushing all increases in income into my TFSA couch potato account with e-series funds and my boys’ RESP (which I’m in process of moving out of traditional mutual funds into e 145 votes, 60 comments. I can’t suggest an appropriate asset allocation for you specifically, but 10% bonds is not “too much” for anyone. Remember, the Couch Jan 6, 2014 · Complete Couch Potato. Hi, everyone. 58, $18. But in general terms, it is not tax-efficient to use a traditional bond ETF in a taxable account. It’s been a while since the last new article appeared on the Canadian Couch Potato blog, and over two years since the last podcast. Jul 22, 2014 · BlackRock has also changed the name and ticker symbol of the former iShares High Quality Canadian Bond (CAB), which is now the iShares Core High Quality Canadian Bond (XQB). 431 votes, 131 comments. k. It's not a big difference, but 0. Most of my stocks are in Canadian market. The 50% allocation to Canadian equities is already high, and it’s made worse by the fact that the index holds just 22 companies. Tax-Free Savings Accounts and Registered Education Savings Plans offer significant tax benefits for Canadians. Apr 18, 2016 · Got to keep things simple in my opinion. 05% (compared with 0. Canadian Couch Potato Portfolio for TFSA? I’ve been doing a lot of research the last few months and have decided to go with a modified CCP portfolio for my TFSA of 100% equities since I’m in my early 20’s. 6% Canadian equities and only 25. While VTI’s annual fee is just 0. I was doing the couch potato initially in 2019/2020, then just changed my approach and now am focusing on only 1 ETF per registered account. I have about $10,000 in my emergency fund which is in a TFSA savings account and about $15,000 in my TFSA index investment fund. So far, I have kept all my foreign exposure in my RSP and I keep only Canadian ETFs/bonds in my TFSA and RESP. Mar 21, 2016 · Check out this site’s model portfolios for some good samples. My three model portfolio options represent a trade-off between cost and convenience: the Tangerine funds have the highest cost (1. Matthew James Jordan August 28, 2019 at 9:06 am Thanks for all the advice, the podcast helped dip my toes into investing. DYN 1770/1771/077/9494). Nov 28, 2014 · Canadian Couch Potato 2017-12-02T23:27:40-05:00 November 28th, 2014 | Categories: Book Reviews, Foreign currency, Taxes | Tags: Books, Foreign Currency, Taxes | 38 Comments Andrew Hallam’s Millionaire Teacher remains one of the best introductions to index investing. Surely you can squeeze out even better performance with a more sophisticated portfolio. The first is that bond prices fall when interest rates rise, and vice-versa. S. Dan Bortolotti here (a. First, please don't forget your TFSA. Instead, I had to go with the RBC Canadian Government Bond Index Fund (RBF563) which has lower MER but also lower yield.