Couch Potato Portfolio: Meet the potato family

Choose the version that’s right for you



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The Couch Potato strategy can be adapted in many ways.

We’ve listed some examples below and demonstrated how you would allocate your assets for each strategy.

To figure out exactly which securities you should buy, see Building blocks for the names of specific ETFs and mutual funds.

Classic Couch Potato

The original and the simplest. You split your money into three equal parts and invest as outlined below. Once a year, you rebalance to get back to your original asset allocation:

1) Canadian equity (33.3%)
2) U.S. equity (33.3%)
3) Canadian bond (33.3%)

Global Couch Potato

This portfolio is more diversified than the Classic, and thus should have less risk. It spans the world by splitting your money into five equal piles. Two of those piles go into Canadian bonds; the remainder are invested in Canadian, U.S. and international stocks:

1) Canadian equity (20%)
2) U.S. equity (20%)
3) International equity (20%)
4) Canadian bond (40%)

High-Growth Couch Potato

This portfolio has a higher exposure to stocks. It’s more volatile than other Couch Potatoes, but may produce higher returns over time:

1) Canadian equity (25%)
2) U.S. equity (25%)
3) International equity (25%)
4) Canadian bond (25%)

To figure out exactly which securities you should buy, see Building blocks.

Updated April 29, 2015

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  15. The Couch Potato strategy is a technique for building a diversified, low-maintenance portfolio designed to deliver the same returns as the overall stock and bond markets, minus very small fees. The strategy can reduce a typical investor’s costs by as much as 90%, while at the same time beating the vast majority of managed accounts

    The strategy — also called index investing, or passive investing — has been around for decades, though it has become far more popular in recent years, as new products and online discount brokerages have made it easier to implement. Anyone can now build and maintain their own investment portfolio using index mutual funds and exchange-traded funds (ETFs).


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  43. My wife and I have followed a classic couch mix since about 2002 with very good results. Do you have a suggestion for an income mix?


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