Investing

Couch potato investing for the last 12 years - tracking my progress

  • Last Updated:
  • Jul 19th, 2018 9:48 am
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[OP]
Deal Addict
Oct 1, 2006
1772 posts
773 upvotes
Montreal
No, no, no. You guys are young and just started to invest. You should pray for a crash. Market crashes are Christmas presents for young investors. As long as you keep investing, a crash could make you very rich.
Deal Fanatic
User avatar
Apr 16, 2006
5963 posts
367 upvotes
I pulled out most (90%) of my couch potato investments on Friday....NOT because of the market downturn, but because I'll be using the funds in about 8 weeks to buy a house.

Sadly, I wished I had pulled out a few weeks ago. I would have had an extra ~$300 at my disposal....whatever. I'm still up in both my RRSP and TFSA CCP accounts, so I can't complain too much. My "losses" were just less gains....I was still up in any event.

I'll be going back to CCP probably in October after we get settled in the new home and after we get a better idea of what our finances will look like for a few months.
Sr. Member
Jan 14, 2010
591 posts
150 upvotes
gekaizer wrote:
Jun 29th, 2017 1:01 pm
Curious, how is everyone's portfolio performance YTD? Experiencing a slight correction?
Up 4.8% since Jan 1/17 with my very rudimentary rate of return calculation (current value - 2016 year end value - 2017 $ put in / 2016 year end value). Was up over 6% at one point a couple months ago.

My asset allocation is somewhere between balanced and assertive: 30% FI (a little VAB, mostly GICs), 20% Can (VCN), 50% ex-Can (VXC).

Kids' RESP is +2.1% with 80%FI, 7% VCN, 13% VXC (we are close to initiating cashing out, hence the conservative weighting).
Deal Addict
Jul 15, 2009
1229 posts
356 upvotes
XIC (TSX) return is +12.26% over the past year, +1.48% YTD.

VFV (S&P 500 in CAD) return is +20.56% over the past year, +9.16% YTD.

VXC (Global ex-Canada) is +21.28% over the past year, +11.79% YTD.

How can anyone complain about that?

Investing in stocks means there will be great times like we've been experiencing recently and times that are much worse.
Deal Addict
User avatar
Sep 14, 2008
1629 posts
244 upvotes
Winnipeg
gekaizer wrote:
Jun 29th, 2017 1:01 pm
Curious, how is everyone's portfolio performance YTD? Experiencing a slight correction?
[OP]
Deal Addict
Oct 1, 2006
1772 posts
773 upvotes
Montreal
gekaizer wrote:
Jun 29th, 2017 1:01 pm
Curious, how is everyone's portfolio performance YTD? Experiencing a slight correction?
Pretty good.

- Rate of return (YTD): 6.4%
- Increase in networth: 76.5k
NW03JUL2017.png
Deal Addict
User avatar
Sep 1, 2013
1413 posts
318 upvotes
New Tecumseth, ON
Ismellofhockey wrote:
Jul 3rd, 2017 9:34 am
Did you just turn $10k into over $1,000,000 in 12 years?
That graph includes new contributions, which was hundreds of thousands since he's started.
Just because you can doesn't mean you should.
Member
User avatar
Aug 11, 2011
238 posts
145 upvotes
Toronto
Anyone have any suggestions for some alternative/clean energy index funds? Looking to add that to my current portfolio of XAW/XIC/VAB.
Didnt find any CAD funds, but am considering these 2 -
ICLN or PBW

Some others -
GEX
PUW
PBD

not a lot out there.
[OP]
Deal Addict
Oct 1, 2006
1772 posts
773 upvotes
Montreal
Ismellofhockey wrote:
Jul 3rd, 2017 9:34 am
Did you just turn $10k into over $1,000,000 in 12 years?
Aethean wrote:
Jul 3rd, 2017 9:59 am
That graph includes new contributions, which was hundreds of thousands since he's started.
Yes, by savings around 50k per year and investing the savings into a low cost diversified portfolio.
Deal Guru
Sep 2, 2008
10275 posts
640 upvotes
Hurts to look at...I just did an initial lump sum deposit into a CCP portfolio 3-4 weeks ago. Can't even buy more at this price because I put everything in at once.
Deal Addict
Nov 30, 2006
2009 posts
58 upvotes
slowtyper wrote:
Jul 6th, 2017 4:27 pm
Hurts to look at...I just did an initial lump sum deposit into a CCP portfolio 3-4 weeks ago. Can't even buy more at this price because I put everything in at once.
Slow and steady wins the race. A few quarters....years from now this might look like a bargain purchase. Time in the market beats almost every other strategy out there.
Deal Addict
Jan 22, 2009
2625 posts
614 upvotes
Great job OP! I have a question and I'm sorry if similar question has been asked before:

I have been on Tangerine's balanced portfolio for TFSA. I just had a newborn so I think it's perfect time for me to switch to ETF for both TFSA and RESP. My plan is to open both ETF TFSA and ETF RESP with Questrade using CCP's balanced ETF portfolio: 40% in ZAG, 20% in VCN, and 40% in XAW. The total amount of these 2 will be > $15000 so I do not need to pay the $50/yr fee for RESP. I have 0 knowledge on either ETF or index funds but always want to try and learn. What are your opinion on my approach as a novice investor? Thanks!

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