Investing

Couch potato investing for the last 14 years - tracking my progress

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Penalty Box
Jun 15, 2012
2537 posts
807 upvotes
Saskatoon
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/
“Because gold is honest money it is disliked by dishonest men.” – Ron Paul
'The rich get richer and the poor get - children.'
Sr. Member
Jan 14, 2010
645 posts
184 upvotes
Central Ontario
ukrainiandude wrote: 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...
Penalty Box
Jun 15, 2012
2537 posts
807 upvotes
Saskatoon
cocodc wrote: 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.
“Because gold is honest money it is disliked by dishonest men.” – Ron Paul
'The rich get richer and the poor get - children.'
Deal Addict
Oct 21, 2014
1394 posts
1676 upvotes
Burlington, ON
ukrainiandude wrote: 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.
Penalty Box
Jun 15, 2012
2537 posts
807 upvotes
Saskatoon
Gungnir wrote: 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.
“Because gold is honest money it is disliked by dishonest men.” – Ron Paul
'The rich get richer and the poor get - children.'
Deal Addict
User avatar
Aug 4, 2014
2379 posts
1904 upvotes
Toronto, ON
ukrainiandude wrote: 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.
Deal Fanatic
Feb 4, 2015
5509 posts
2102 upvotes
Canada, Eh!!
ukrainiandude wrote: 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.
Deal Fanatic
User avatar
Sep 8, 2007
8254 posts
8591 upvotes
Way Out of GTA
Germack wrote: 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.
"It is in times of great fear or greed that the most opportunity exists."
Sr. Member
User avatar
Feb 5, 2017
803 posts
587 upvotes
cartfan123 wrote: 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
Deal Fanatic
User avatar
Sep 8, 2007
8254 posts
8591 upvotes
Way Out of GTA
alexcalvado wrote: 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.
"It is in times of great fear or greed that the most opportunity exists."
Deal Addict
User avatar
Aug 4, 2014
2379 posts
1904 upvotes
Toronto, ON
alexcalvado wrote: 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 Fanatic
Feb 4, 2015
5509 posts
2102 upvotes
Canada, Eh!!
Germack wrote: 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.
Deal Fanatic
Mar 24, 2008
5938 posts
2145 upvotes
Toronto
alexcalvado wrote: 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
Deal Addict
User avatar
Feb 1, 2012
1271 posts
1611 upvotes
Thunder Bay, ON
cartfan123 wrote: 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/
I solemnly swear, to never assume I have an inkling at which direction the market will head, and to never make any investments based on a timing strategy.
Sr. Member
User avatar
Feb 5, 2017
803 posts
587 upvotes
I'm sure that you all know by now that I like to provoke a little bit :)

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