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Couch Potato- USA
Old 10-28-2020, 09:46 PM   #1
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Couch Potato- USA

Iíve long followed different advisors from Lynch, Cramer and Bogle. The strategy that intrigues me most in the straight couch potato; 50% US Stock and 50% US Bonds. Iím sure itís been discussed on this site, but canít find it (new to FIRE). Anyone actually following this strategy long term ? Tired of chasing hot fund performance. Thanks
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Old 10-28-2020, 10:30 PM   #2
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Sounds like a good, fairly conservative portfolio to me.

As I recall this is the allocation on which Bill Bengen based the original 4% safe-withdrawal rate, though he tested other allocations.
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Old 10-29-2020, 12:39 AM   #3
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Originally Posted by Katoslake View Post
Iíve long followed different advisors from Lynch, Cramer and Bogle. The strategy that intrigues me most in the straight couch potato; 50% US Stock and 50% US Bonds. Iím sure itís been discussed on this site, but canít find it (new to FIRE). Anyone actually following this strategy long term ? Tired of chasing hot fund performance. Thanks
The Couch Potato Portfolio was presented by Scott Burns. Here's a source to start (YMMV.)

https://couchpotatoinvesting.com/about/
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Old 11-01-2020, 01:09 PM   #4
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Hereís an article on the general concept of lazy portfolios, including couch potato. https://www.bogleheads.org/wiki/Lazy_portfolios

Bogleheads generally refer to Vanguard funds, but if you use a different brokerage, search for it on bogleheads.org to see similar recommended funds. For Fidelity, see the table under Tools: https://www.bogleheads.org/wiki/Fidelity

Also note that if you have both taxable and tax-deferred accounts, the location of equity versus bond funds makes a difference. https://www.bogleheads.org/wiki/Tax-...fund_placement
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Old 11-01-2020, 05:22 PM   #5
Confused about dryer sheets
 
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Thanks for all the information and helpful links. I’ll read before asking more questions. Thanks again !
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Old 11-01-2020, 08:27 PM   #6
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Quote:
Originally Posted by Koolau View Post
The Couch Potato Portfolio was presented by Scott Burns. Here's a source to start (YMMV.)

https://couchpotatoinvesting.com/about/
And here is a Portfolio Visualizer run comparing Scott Burns Couch Potato, 50/50 Stock/Bond and Bll Bernstein No Brainer.... conclusion, it doesn't much matter. To try other portfolios, click on the button next to Portfolio#1, Portfolio#2 or Portfolio#3.

https://www.portfoliovisualizer.com/...location6_3=25
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Old 11-02-2020, 05:11 AM   #7
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I'm pretty close to that - 57/43. Virtually no Int'l. Makes it easier to sleep.
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Old 11-08-2020, 04:34 PM   #8
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Took me a while to stick with it but I have for years now. Though a bit unique I use muni bond funds for my bond portion. That comes from managing income tax while working. That hopefully ends in 4 months but I am comfortable with strategy at this point and probably just keep it.
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Lazy QQQ/GLD
Old 11-13-2020, 07:30 PM   #9
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Lazy QQQ/GLD

Quote:
Originally Posted by pb4uski View Post
And here is a Portfolio Visualizer run comparing Scott Burns Couch Potato, 50/50 Stock/Bond and Bll Bernstein No Brainer.... conclusion, it doesn't much matter. To try other portfolios, click on the button next to Portfolio#1, Portfolio#2 or Portfolio#3.

https://www.portfoliovisualizer.com/...location6_3=25
Plugging in 80% QQQ and 20% GLD yields vastly better results in Portfolio Visualizer than anything else that I can find.

But nobodyís talking about that. It seems like a good lazy portfolio.

Am I missing something...?

- Patrick
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Old 11-13-2020, 09:18 PM   #10
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Only this: Past Performance Is No Guarantee of Future Results

True of every portfolio, I admit.
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Old 11-13-2020, 10:07 PM   #11
Confused about dryer sheets
 
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Thanks again for all the feedback !

I’m inclined to get on the smoothest ride possible. I’ve found I get more motion sick as I age. This is true for actual roller coasters and investing
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