Sentences with phrase «global couch»

Comment on this one: Canadian Global Couch Potato — TD e-Series Funds 1.

The growth of the global couch potato portfolio, before fees, is shown in the following graph.

Before diving into the bond market, I'd like to start by examining the performance of an aggressive form of the global couch potato portfolio.

For purposes of illustration, we'll assume you're using our Global Couch Potato strategy (for other strategies, see Meet the potato family).

There may be long periods when it trails the Global Couch Potato portfolio.

When Sheldon compared the backtested performance of the QA portfolio with the regular Global Couch Potato over the last five years, and the results were remarkable.

As it happens, this has the added benefit of allowing us to look at longer - term returns for the Global Couch Potato, since the e-Series has been around much longer than most of the ETFs on the list.

Going a back a little further, the aftermath of the dot - com bubble meant the Global Couch Potato returned -3.2 % annually for the three years ending in 2002.

The e-Series funds had recently celebrated their 10th anniversary, and let's just say the numbers were discouraging: the Global Couch Potato returned just under 4 % annually during the decade ending in 2010.

For these reasons, I suggest that RESP investors use index funds rather than ETFs: something simple like the Global Couch Potato (assembled with TD e-Series funds) is all the diversification you need.

The Global Couch Potato, meanwhile, was slightly negative over this period:

Consider this: the Global Couch Potato lost more than 20 % during the worst six months of the 2008 — 09 financial crisis — and that's with a 40 % allocation to bonds.

I have pre-programmed the spreadsheet with the three versions Global Couch Potato, as well as the ING Direct Streetwise Balanced Fund, which has the same asset allocation.

The humble Global Couch Potato portfolio, first recommended by MoneySense eight years ago, is an excellent way to get started with indexing.

I thought about this recently as I calculated the returns of the Global Couch Potato since 2009.

Here's an idea for moving into ETFs in a cost - efficient way: build a Global Couch Potato portfolio with four ETFs in a discount brokerage (see the Canadian Couch Potato blog for instructions).

They ask us why our Global Couch Potato portfolio (see Couch Potato Portfolio: How to set it up) includes international stocks, when «everyone knows» that the debt crisis in Europe will lead to lower returns in the coming years.

To begin with, I suggest taking a page out of the Global Couch Potato approach and opting for roughly one - third in Canadian stocks, one - third in U.S. stocks, and one - third ininternational stocks.

Because some excellent new ETFs were launched in 2013, I made a change to the Global Couch Potato model portfolio.

I prefer the global variant of the global couch potato, which is more diversified than the classic version.

I have to admit I haven't really looked at it, and just assume it is a variant of the global couch potato portfolio (I know I'm bad — I'm going to go look at it right now):

If you want an even safer alternative, splitting your retirement savings between an annuity and a low - cost balanced portfolio, such as the MoneySense Global Couch Potato strategy, can increase your protection against longevity risk.

But last month BlackRock announced a significant change to its iShares Core MSCI EAFE IMI Index ETF, ticker symbol XEF, which makes up the international equity component of my Global Couch Potato portfolio.

Our standard Global Couch Potato strategy has fees of just 0.37 %.

For those keeping score, the Global Hot Potato outperformed the Global Couch Potato handily over the last 10 years.

Say you're using the Global Couch Potato portfolio spread across three accounts.

You'll remember that the classic Global Couch Potato puts an equal amount of money into Canadian bonds, Canadian stocks, U.S. stocks, and global stocks.

Q: The Global Couch Potato has one - third of the equity allocation in Canadian stocks, but Canada makes up only about 4 % of the world markets.

One reader, for example, recently wrote to tell me he adopted the Global Couch Potato in 2011, and since then «returns have consistently been very good compared to the money market funds and GICs I had invested in up to that time.»

Then he compared it against the Global Couch Potato's allocation of 20 % Canadian stocks, 40 % U.S. and international stocks (also using the MSCI World Index), and 40 % Canadian bonds (all maturities).

The Global Couch Potato places equal amounts of money into Canadian bonds, Canadian stocks, U.S. stocks, and global stocks.

But you're probably already familiar with the Global Couch Potato portfolio.

To make a fairer comparison, I re-ran the performance numbers on the Global Couch Potato substituting the Altamira Canadian Index Fund, which tracks the S&P / TSX 60.

It picks from the four indexes used by the Global Couch Potato but invests all of its money in the single index that has performed the best over the prior 12 months.

The original Global Couch Potato portfolio used currency hedging in its US and international equity funds.

The MoneySense Global Couch Potato portfolio (see «Indexing the world» to the right) has outperformed most global mutual funds for years.

The classic Global Couch Potato portfolio provided healthy average annual returns of 10.0 % from the start of 1981 through 2015, assuming the portfolio's four indexes were rebalanced back to equal dollar amounts each month instead of annually.

The Global Couch Potato drew its biggest loss during the 2008 collapse (31.1 %) and didn't recover until 2011.

This is largely because the last 15 years have seen strong returns in several asset classes that are absent in the Global Couch Potato: real - return bonds (9 % annualized since 1998), Canadian REITs (13 % since 1998), emerging markets (8.8 % since 1999).

Sure, the three or four plain - vanilla funds in the Global Couch Potato have an excellent track record.

By doing so, it gained an average of 7.9 % annually and trailed the Global Couch Potato by 2.1 percentage points per year.

To give a typical example, I recently received an email from a reader whose advisor told him the Global Couch Potato is poorly diversified because it contains only three funds — he apparently had no clue these three funds contain over 750 bonds and almost 2,000 stocks in more than 20 countries.

Our Global Couch Potato includes broad exposure to Canadian, U.S. and international stocks in all sectors, as well as bonds of all maturities.

Pension funds typically keep about a third of their assets in bonds and most of the rest in a diversified mix of Canadian, U.S. and international stocks — broadly similar to the Global Couch Potato.

The MoneySense Global Couch Potato is an easy and low - cost way to build a broadly diversified portfolio.

John also ran the same simulation with the trusty old Global Couch Potato — which includes just three or four funds — and the results fell right in the middle: an annualized return of 6.40 %.

MoneySense brought the original Couch Potato portfolio to Canada in 1999 and created the Global Couch Potato in 2004.

After all, banks already offered index mutual funds with fees in that neighbourhood, and the TD e-Series Funds are dramatically cheaper: you can build the Global Couch Potato for a total cost of just 0.37 %.

The recent performance of my model portfolios has been excellent: in 2013, the humble Global Couch Potato returned more than 15 %, and over the last five years, a balanced index portfolio could easily have achieved 10 % annualized returns.

During the decade ending in 2010, the Global Couch Potato outperformed more than 85 % of comparable balanced mutual funds.