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Updated 2mo ago.
Updated 2mo ago.
The Couch Potato portfolio is a passive investment strategy that involves buying a handful of low-cost index ETFs, holding them long-term, and rebalancing once a year. Popularized in Canada by blogger Dan Bortolotti (Canadian Couch Potato), this approach outperforms the majority of active managers.
The modern Canadian Couch Potato portfolio boils down to a single all-in-one ETF: VEQT.TO for aggressive investors (100% equities), VGRO.TO for moderate investors (80/20), or VBAL.TO for conservative investors (60/40). The old 3-ETF version (CA equities + US equities + bonds) is now considered more complicated with no real advantage.
The Couch Potato philosophy is based on decades of academic research (Fama, French, Bogle) showing that costs are the main predictor of long-term performance. By avoiding high fees, timing mistakes, and emotional decisions, the lazy passive investor achieves better results than most active investors — with far less effort.