In this post we’ll focus on the four e-Series funds recommended in the Canadian Couch Potato model portfolios. Maybe you determine you only want 25% bonds and would like 1/3 of your equities to be Canadian. Effective July 29, 2020, TD U.S. Equity Portfolio was renamed to TD U.S. Equity Pool. ... Canadian Couch Potato. Vanguard ETFs are exchange traded funds composed of primarily the same basket of equities (often called an “index”) as the TD e-series funds except that they have an even lower MER ranging from 0.09% to 0.35% annually. TD e-Series Returns for 2021 January 17, 2022 Canadian Couch Potato; Couch Potato Portfolio Returns for 2021 January 10, 2022 Canadian Couch Potato; Hobby. The TD e-Series Funds are sold under the mutual funds, even though they are called index funds. 1. The Vanguard U.S. For example, the RBC Canadian index fund has a MER of 0.68 compared to the TD e-series fund’s 0.31. For example, the TD e-Series portfolio with a mix of 40% bonds and 60% stocks returned 10.89% last year, compared with 10.29% for the Vanguard Balanced ETF Portfolio (VBAL), which has the same overall mix of bonds and stocks. The latest episode of the Canadian Couch Potato podcast focuses on the relationship between cost and complexity in your investment plan. The recommendation is to use Tangerine Investment Funds or TD e-Series funds. 30% US index (60% x 50%). This was written a while ago, 2015. Here’s what the e-Series portfolio returns would have looked like with monthly rebalancing. More Fun With the TD e-Series Funds. They should show up as you start to type them in. My portfolio is based off it, so I invest in these funds myself. Canadian Couch Potato. ... her portfolio would have to be $86,000 before iShares ETFs were less expensive than TD e-Series Funds (assuming four trades per year). E-Series Couch Potato Help. During it’s worst performing 12 months when the financial crisis of 2008/2009 hit, the TD e-Series portfolio lost anywhere from 8% – 30% (depending on how you balanced your portfolio) over that 12 month span. 2. Broad market Canadian bond ETFs returned between –2.1% and –2.7% in 2021, with Canadian government bonds performing even worse, at –3.1%. 5. In the Amount to Invest area, enter your total moolah available for rebalancing your portfolio. Rebalancing finiki the Canadian financial wiki. The MER is around 0.22%, a savings of $300 per year. A quick refresher: MER stands for Management Expense Ratio. I came across the Canadian Couch Potato website and it looks like a very hands-off minimalistic investment strategy. Since I already bank with TD, I figured I would follow their TD e-Series model portfolio where I would be investing my money in four index funds. This strategy seems too simple to be true. Canadian Couch Potato - TD e-Series; Two Minute Portfolio - Globe & Mail; Accounts Setup; Rebalance frequency; Robo Advisors; MoneySense article on Robo Advisors; Young & Thrifty Robo-Advisors Comparision; How to Save Money - Are Robo Advisors Right For Your Retirement Savings? I’ve previously written a 3-part series on how I got started with investing (which you can read here: Part 1, Part 2, Part 3), ... TD Canada Trust RRSP ($650) Following the Canadian Couch Potato ‘Assertive’ portfolio model for mutual funds. Aggregate Bond Index ETF (VBG), which invests in foreign bonds outside of the U.S., managed just 3.9% during 2020. Later that year, I started my index portfolio with TD e-Series index funds. We’ll start with the returns of the four individual building blocks. Which is miles better that QT or VB. The Couch Potato strategy began in the US in the 90s. Close. ... annual fees than index mutual funds, but the gap isn’t necessarily large, especially if you’re comparing ETFs to TD’s e-Series mutual funds. Not just any funds though! This is really no more difficult than opening a TD Mutual Funds account, so it should not be a barrier to using the e-Series funds. E-series also avoid bid/ask spreads and buying ETFs at a premium (selling at a discount) to NAV. The TD e-Series Advantage. Another benefit to TD E-Series is their simplicity, which is why Canadian Couch Potato investors have long favoured them. TD does not offer free ETFs trading but offers the e-series index funds users can trade for free. They all have different options. ... Canadian Couch Potato's author is Dan Bortolotti, CFP, CIM, a … The first post in this series explained how using ETFs and index funds can cut your costs by 90% or more. Remember, don’t buy any mutual funds, just open up an account. It lets you take advantage of the market average instead of pursuing an aggressive investment strategy. 25% bond index. When we look at comparing the costs of all-in-one ETFs vs robo advisors vs DIY couch potato portfolios vs mutual funds, we must first understand what the acronym MER means. The Canadian Couch Potato has a model portfolio built from four e-series funds. Back in the 1990s, a financial columnist for The Dallas Morning News named Scott Burns used the concept of passive investing to create a super-simple way for investors to earn solid returns over time, with almost zero effort. TD e-Series Returns for 2021 3 months ago Dividend Monk. 2020 return (monthly rebalancing) Difference vs. annual rebalance. Friday, June 14, 2013 ... Canadian Couch Potato. Email notification as soon as your account documents are available. ... Canadian Couch Potato on whether moving to ETFs makes sense. 5 sustainable funds for outperformance. While surfing the internet for an easy DIY investing solution for a TFSA, I stumbled on Dan Bortolotti’s Canadian Couch Potato blog.. After going through his article on model portfolios, I became … You also mentioned investing 70% in stocks and 30% in bonds. - Go to any branch and open a TFSA/RRSP (I will only open TFSA for now) mutual fund account (no need to add funds until converted to e-Series) - Fill out some form and mail to TD to convert the mutual fund account to an e-Series account - Wait until converted and begin buying I assume the normal mutual fund account has no annual fees, etc. 2. 4. I currently use TD Direct investing and like it as I have a lot of my banking at TD so it's comfortable for me. The article “What Investors Need To Know About Changes To TD e-Series Funds” was originally published on MoneySense on September 24, 2019.. TD e-Series Funds have been staples for passive index-fund investors and Canadian Couch Potato enthusiasts for two decades. The spread on the Canadian bond index funds is even smaller (0.63 versus 0.48, a difference of 0.15, or $15 pear year per $10,000 invested). I favour two investing strategies: couch potato using TD e-series mutual funds for diversification and dividend growth investing. I was looking at Canadian Couch Potato and their model portfolios and was wondering if they still are good options? As an example, for many years, the Canadian equity holdings of TD e-Series funds have mirrored the S&P/TSX index. Macro concerns have this fund going granular – and global. The Government of Canada will match 20% of your annual contributions, up to $500 per beneficiary, to a lifetime total of $7,200. Investing. TD’s e-Series funds and Altamira’s are the cheapest, although the asset class selection is very limited. A Sample TD e-Series RESP Portfolio Updated for 2021. Do receive that using the recent of your delay or ever use your excellent rebalancing spreadsheet from Canadian Couch Potato. Its possible to create a well diversified investment portfolio just using TD e-Series funds. Like my two-ETF portfolio, which returned 14.06 percent, Dan's model portfolios had a banner year in 2017. This post is the fifth in a five-part series outlining the primary benefits of the Couch Potato strategy.. All investors have to deal with the erosion of their returns by fees and taxes. 20 intl index (40% x 50%). no monthly fees on the TD Goal Assist App and what index ETF's to replace TD e-Series with if you decide to go that route. For example, the Canadian Bond Index e-Series fund tracks the performance of the Canadian investment-grade bond market. Fund Insight. TD E-Series in 2021. This is changing, but more on that in a moment. I couldn’t find any information on the couch potato site about this either. Others will likely provide a good e-series refresher. Let’s do a quick Comparison, comparting TD’s fund expenses to Vanguard Canada’s, to give you a better idea of what a regular investor might be paying. These four e-series mutual funds are included in the model portfolios created by Canadian Couch Potato. Posted by 1 month ago "TD e-Series Returns for 2021" — Canadian Couch Potato. ... John Robertson reports that changes are coming to TD’s e-series index mutual funds. For almost 20 years, the TD e-Series mutual funds have been one of the cheapest and easiest ways to build a Couch Potato portfolio. For most of that time they’ve gone about their business without much fuss, all the while outperforming the vast majority of their peers. But now there are some changes in the offing for these venerable old funds. Here are the results for the most aggressive versions of each portfolio: Tangerine's Balanced Growth Portfolio - 9.5 percent TD's e-Series Funds - 11.8 … I think using a combination of the two strategies (say, international equity and bond index funds in your RRSP and dividend stocks in a taxable account or TFSA) is great way to balance things. There’s Canadian Bond Index, Canadian Index, International Index..etc. He also defended cap-weighted index investing against a flawed argument and cleared up a misconception about the fees in asset-allocation ETFs. With the $40,000 investment over a horizon of 5 years, the Fidelity fund would cost her $7325.39 in fees whereas a TD e-series US Index cost $881.56 in fees and the end result would be $62,118 for TD e-series and $59,097 for Fidelity. Cheers! Aggressive - 25% bonds, 75% equities. Blades of Glory October 28, 2015 Holly Anderson; Russell, the Creator October 28, 2015 Kirk Goldsberry; Follow me on Twitter My Tweets For those investors with less than $15,000, please refer to Dan Bortolotti’s model TD e-Series Index Fund Portfolios on his Canadian Couch Potato blog. Ultimately, the cost decision is determined by the your portfolio size, the difference between the MERs, the cost of trades at your brokerage, and the frequency of contributions. 70% bonds / 30% stocks. Index investing is often referred to as couch potato investing. TD e-Series Funds have been staples for passive index-fund investors and Canadian Couch Potato enthusiasts for two decades. Back then I was attempting to cash out TD E-series Index Funds in my kids’ RESPs. Canadian Couch Potato does a deep dive into how ETFs work in possibly his last podcast. So little effort, in fact, even a lazy couch potato could pull it off. They are traded through a brokerage (e.g. Search and select the symbol name for the TD e-Series fund that you want to purchase. ... to buy more of another fund (in this example: TD Canadian Index-e). YouTube. Under the Action section, select Buy. Investing. Start with the queries from readers towards the bottom of the page November 13th to 27th. The resulting MER is 0.37%. These are the numbers you will see in the just-posted edition of the historical model portfolio returns: Asset allocation. In the case where you are banking with TD, you are into index investing and you prefer using the e-series portfolio over ETFs. Using the TD E-series RESP method is good, but fraught with gotchas. 4. Questrade). Posted by 4 years ago. After investing my initial lumpsum, I plan to continue to max out my TFSA my RRSP each year. TD E-Series RESP Beartrap. Does it now make sense for me to switch over to ETFs? Both Andrew Hallam and Canadian Couch Potato mention TD e-Series a lot. I recently opened a TD Eseries account and got it all set up to start investing. Looking to open a TFSA and I have a td direct investing account open that I haven't used yet. Using the Canadian Couch Potato model portfolio for ETFs mean that I will be … Robo Advisors - Wealth Simple; Wealth Bar; Use the Canadian Couch Potato website to learn more about index investing. I was reviewing the TD e-series site and I’m confused about the options. If you are using the Canadian Couch Potato strategy for your e-Series funds, here are the Symbols: TDB900 – TD Canadian Index Fund-e; TDB902 – TD U.S. Index Fund-e; TDB909 – TD Canadian Bond Index Fund-e 8.82%. Contribute bi-weekly through auto-deduction. The difference of 0.37 works out to a fee difference of $37 per year per $10,000 invested. The switch to TD ETFs means that TD e-Series MERs will be dropping, which is great news. The TD … Updated March 17, 2022. ... switching from the TD e-Series funds to one of the new ETFs will save you less than $2 a month for every $10,000 you have invested. I had accumulated a TFSA contribution room of $31,000 at this time, having immigrated to Canada in 2011. 3. Back then, there were no ex-Canada ETFs trading in the Canadian stock exchange available. Switching from Tangerine will save you closer to $7 a month. Close. Canadian Couch Potato investing - TD eSeries / QuesTrade ETFs and additional questions. canadian drip list Canada DRIPs AND SPP LIST TSX listed Canadian companies offering with dividend reinvestment list of drip taxes enhanced dividend tax credit stocks. Posts about ETFs written by Canadian Couch Potato. The spreadsheet calculates the moolah you need to invest in each fund to rebalance it back to the perfect asset allocation. What are the benefits of the TD e-Series funds? Click on the Mutual Funds tab. The Dividend Ninja. In other words, the returns of the TD e-Series funds will closely reflect the returns of the underlying index. 1. What is the Couch Potato Strategy: Introduction. $25,000 × 0.32% with iShares ETFs = $80. by bigcajunman last updated on August 30, 2021. in Mutual Funds , Registered Education Savings Plan. I soon came across the Canadian Couch Potato’s Model Portfolios and blog which reaffirmed what was laid out in the book. The general idea of the couch potato e-Series portfolio is that the funds you purchase are long-term holds, and therefore the strategy of which ones to buy doesn’t change over time or depending on how the market is doing. For smaller accounts, use less ETFs Currently, TD e-Series fund MERs range between .33% and .50%, and each will drop by approximately .05%. ... @ Canadian Couch Potato: interesting post! Conservative - 55% bonds, 45% equities. Ultra Aggressive - 10% bonds, 90% equities Specifically option 2: td e-series funds. Currency-hedged foreign bonds performed similarly to their Canadian counterparts, with returns ranging from –1.5% to –2.9%. ETFs vs. TD e Series funds As a rule of thumb, if you have less than $15,000 to invest, and it will likely be a few years until you have saved up this amount, avoid ETFs. 3. Check out the returns calculated by Canadian Couch Potato for TD e-Series funds. For example, the TD e-Series portfolio with a mix of 40% bonds and 60% stocks returned 10.89% last year, compared with 10.29% for the Vanguard Balanced ETF Portfolio (VBAL), which has the same overall mix of bonds and stocks. The major advantage of the TD e-Series is its low MER. 2) If not, you need to go to your local TD bank branch and open up a mutual fund account (and don’t forget the number) and get yourself a card with an easy web login number. Which asset allocation fund would be appropriate for you after you graduate post-secondary? While these MERs remain higher than most large ETF funds, this price change means that TD e-Series funds remain a solid option. Now let’s take a look at how the TD e-Series index mutual funds performed during the year. by Enoch Omololu. I was thinking of also using my td account to purchase option 1: vanguard asset allocation etfs Advertiser Disclosure. With eSeries you get customer support from TD. Dan Bortolotti of Canadian Couch Potato gives his thoughts on the $0 commission when you trade TD ETFs. TD U.S. Index Fund e-Series (TDB902) 0.35%. Canadian Couch Potato is an investment strategy that’s ideal for beginner DIY investors that don’t want to actively manage their portfolios. I was thinking another Canadian Couch Potato portfolio with the ETFs VAB and VEQT. The TD e-Series funds are a darling of semi-DIY investors who want to lower their investment fees but are not yet willing or able to use a self-directed discount brokerage account. Posts about Couch Potato basics written by Canadian Couch Potato. ... I’m a new immigrant and want to try invest money to 4 e-series funds: TD Canadian Bond Index (TDB909) TD Canadian Index (TDB900) TD International Index (TDB911) TD U.S. Index (TDB902) Aggregate Bond Index ETF (VBU) returned 7.2%, while the U.S. bond ETFs held by the iShares portfolios (GOVT and USIG) combined to returned between 8% and 9% in Canadian dollars. A TD e-Series RESP portfolio is an easy way to use index funds to grow your kid's RESP while saving on fees and maximizing your returns. In this case, TD looks like a good option. Finally, the Vanguard Global ex-U.S. All-in-One ETF MER Fee Comparison. There is a dramatic difference in the amount of money that is going to fund managers instead of to your child’s account from the more actively managed mutual fund versus the e-Series index funds. Both Andrew Hallam and Canadian Couch Potato mention TD e-Series a lot. 81. 3. The TD e-Series Fund model portfolio outlined by Canadian Couch Potato has five different asset allocation approaches: Ultra Conservative - 70% bonds, 30% equities. TD e-Series Returns for 2021 WhereDoesAllMyMoneyGo.com. your own portfolio. Vanguard iShares or BMO A side-by-side comparison because the. Canadian Couch Potato investing - TD eSeries / QuesTrade ETFs and additional questions.