CaptChaos wrote: ↑Jan 2nd, 2019 11:43 pmI have been using the Couch Potato strategy for my RRSP for 6-7 years. It fits well with my lack of time, motivation and skill to research and invest in individual stocks.
Returns (XIRR) as of December 31, 2018
2 yrs 4.33%
3 yrs 4.89%
5 yrs 7.10%
I have been using Mawer Balanced for TFSA as it has a more modest value and it has roughly tracked CP returns. A good choice for people that only want one fund to deal with. I will consider switching to VGRO when larger.
So in 6-7 years this poster has actually lost money, and recently many others in this thread have had marginal returns. Whereas, if it was a high-interest savings account he would be earning roughly 3% per year. You cannot use the past several decades as an indication of future market returns. All I'm getting at is this isn't anything special, and requires more than just passive thought to realize the returns of the past.