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

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  • Jan 13th, 2019 2:34 pm
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Deal Addict
Jun 15, 2012
1401 posts
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Model ETF Portfolio Asset Allocation 2018 Return
Conservative 30% equities / 70% bonds -0.45%
Cautious 45% equities / 55% bonds -1.30%
Balanced 60% equities / 40% bonds -2.14%
Assertive 75% equities / 25% bonds -2.98%
Aggressive 90% equities / 10% bonds -3.83%
https://canadiancouchpotato.com/2019/01 ... -for-2018/
Sir David Attenborough: someone who believes in infinite growth is ‘either a madman or an economist’
Sr. Member
Jan 14, 2010
614 posts
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ukrainiandude wrote:
Jan 12th, 2019 12:36 pm
Model ETF Portfolio Asset Allocation 2018 Return
Conservative 30% equities / 70% bonds -0.45%
Cautious 45% equities / 55% bonds -1.30%
Balanced 60% equities / 40% bonds -2.14%
Assertive 75% equities / 25% bonds -2.98%
Aggressive 90% equities / 10% bonds -3.83%
https://canadiancouchpotato.com/2019/01 ... -for-2018/
Yup, it happens. Luckily we all don't only invest for 1 year increments...
Deal Addict
Jun 15, 2012
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cocodc wrote:
Jan 12th, 2019 1:04 pm
Yup, it happens. Luckily we all don't only invest for 1 year increments...
That’s right, we all know in the long term annual returns of 7-10% are guaranteed.
Sir David Attenborough: someone who believes in infinite growth is ‘either a madman or an economist’
Deal Addict
Oct 21, 2014
1022 posts
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Burlington, ON
ukrainiandude wrote:
Jan 12th, 2019 4:00 pm
That’s right, we all know in the long term annual returns of 7-10% are guaranteed.
Have you ever given consideration to the thought that not investing when you're young and you have years ahead to compound and grow is actually the real risk? That is the real problem, not losing a few bucks because the market gets spooked about some data which they'll forget about in a week.

Believe me, you don't want to start to get older and realize you have nothing saved and no assets to live on during your later years.
Deal Addict
Jun 15, 2012
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Gungnir wrote:
Jan 12th, 2019 4:07 pm
Have you ever given consideration to the thought that not investing when you're young and you have years ahead to compound and grow is actually the real risk? That is the real problem, not losing a few bucks because the market gets spooked about some data which they'll forget about in a week.

Believe me, you don't want to start to get older and realize you have nothing saved and no assets to live on during your later years.
Precisely sir, that is why we invest in index ETFs with 7-10% annual growth guaranteed.
Sir David Attenborough: someone who believes in infinite growth is ‘either a madman or an economist’
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Aug 4, 2014
1639 posts
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Toronto, ON
ukrainiandude wrote:
Jan 12th, 2019 5:08 pm
Precisely sir, that is why we invest in index ETFs with 7-10% annual growth guaranteed.
No, only 2-3.5% in GICs are guaranteed :) Neither 7-10% annual CCP returns nor 50% market crash are :)
Last edited by freilona on Jan 13th, 2019 9:44 am, edited 1 time in total.
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Feb 4, 2015
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Canada, Eh!!
ukrainiandude wrote:
Jan 12th, 2019 5:08 pm
Precisely sir, that is why we invest in index ETFs with 7-10% annual growth guaranteed.
What would be your alternatives?

Think your posts are in contrast with your signature.

At end of day, invest in method that is most comfortable to you... it is your money so no critique there.
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Sep 8, 2007
6198 posts
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Germack wrote:
Jan 10th, 2019 9:37 pm
CCP investing is simple, but not easy. Unfortunately, most investors are unable to stick to a simple buy and hold strategy over the long term.
True, and therein is the discipline needed for CCP. That is
1) not straying from the plan, and when a sector like weed or bitcoin gets hot not taking your money out of the strategy to chase unicorns
2) remaining consistent thru the dips (and ignoring the media) and continuing to invest. The lower cost averaging on dips helps protect on pullbacks from peaks.
3) not listening to anything ukrainiandude says, that’s the ultimate return killer

Because there’s nothing sexy about CCP, it doesn’t make for baller status at the water cooler. Those who understand realize it’s slow and steady that’s the key.
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Feb 5, 2017
480 posts
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cartfan123 wrote:
Jan 13th, 2019 6:55 am
True, and therein is the discipline needed for CCP. That is
1) not straying from the plan, and when a sector like weed or bitcoin gets hot not taking your money out of the strategy to chase unicorns
2) remaining consistent thru the dips (and ignoring the media) and continuing to invest. The lower cost averaging on dips helps protect on pullbacks from peaks.
3) not listening to anything ukrainiandude says, that’s the ultimate return killer

Because there’s nothing sexy about CCP, it doesn’t make for baller status at the water cooler. Those who understand realize it’s slow and steady that’s the key.
this cult like fascination for this strategy is simply frightening
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alexcalvado wrote:
Jan 13th, 2019 8:22 am
this cult like fascination for this strategy is simply frightening
The cult like fascination of those that want to come into what is clearly a CCP strategy thread and bash it with nonsense is 10x more frightening.
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alexcalvado wrote:
Jan 13th, 2019 8:22 am
this cult like fascination for this strategy is simply frightening
This strategy is easy to understand, set up and follow. Doesn’t mean that you can’t start your own “cult”. Many like the idea of avoiding potential losses. Even if it means avoiding potential gains :) Where are you now, 10% in, waiting for a 25% drop to buy the next “exponential” tranche? Shouldn’t be that hard to start a thread, post your buying & selling strategy, and follow through for 10+ years.. or at least for a couple of years, hopefully both good and bad :)
Last edited by freilona on Jan 13th, 2019 10:04 am, edited 1 time in total.
Deal Addict
Feb 4, 2015
3898 posts
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Canada, Eh!!
Germack wrote:
Jan 10th, 2019 9:37 pm
CCP investing is simple, but not easy. Unfortunately, most investors are unable to stick to a simple buy and hold strategy over the long term.
Agreed.

Approach that you are comfortable with and gives results you are comfortable with = Win Win

I deploy hybrid approach [so some CCP and some stock picking]. Further have trading accts and investment accts.

Look at the posts by @rodbarc and yourself. You follow different paths but both great results AND neither criticizes the other [too busy counting investment portfolio :)]

Is one method better then the other... don't know and don't care... disciplined consistent [over LT] results speak for themselves. We are lucky to be presented various ways to increase wealth.

Again, choose investment approach that works for your bank acct and your mindset.
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Mar 24, 2008
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alexcalvado wrote:
Jan 13th, 2019 8:22 am
this cult like fascination for this strategy is simply frightening
It's backed by research, is simple to follow and takes a few minutes per year to manage. You get market returns minus fees at the end of it which is enough for most people. I don't see where you get the "cult like fascination" from except from your own bias.
Illegitimi non carborundum
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Feb 1, 2012
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cartfan123 wrote:
Jan 13th, 2019 6:55 am
Because there’s nothing sexy about CCP, it doesn’t make for baller status at the water cooler. Those who understand realize it’s slow and steady that’s the key.

Jeff Bezos asked Warren Buffett, since he was so successful, why so few people tried to emulate his investing style. His response was "Nobody wants to get rich slow."
https://www.spillsspot.com/finance-blog ... rich-slow/
Invest your time actively and your money passively.
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Feb 5, 2017
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I'm sure that you all know by now that I like to provoke a little bit :)

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