Investing
Investing: returns, and the crashes that come with them
This is where Dad Finance goes deep. These pages let you backtest classic lazy ETF portfolios and rules-based leveraged strategies against real market history — 2008, COVID, 2022 — with Monte Carlo projections and the drawdowns laid bare. Educational only.
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| Type | Name | 1Y | Max DD |
|---|---|---|---|
| Portfolio | All WeatherRay Dalio's risk-parity mix for any economy. | +11.1% | -23.7% |
| Portfolio | All Weather (Canada)Risk parity built from Canadian-listed ETFs. | +11.1% | -20.1% |
| Portfolio | Ben Felix Five-FactorA factor-tilted portfolio built around small-cap and value. | +26.7% | -32.9% |
| Portfolio | Canadian 3-Fund (Bogleheads)A three-ETF couch-potato portfolio for Canadians. | +19.7% | -25.7% |
| Portfolio | Golden ButterflyFive equal sleeves balancing growth and stability. | +13.5% | -20.1% |
| Portfolio | Golden Butterfly (Canada)The Golden Butterfly with CAD-listed ETFs. | +15.2% | -17.5% |
| Portfolio | Permanent PortfolioHarry Browne's 25%-each four-way split. | +11.8% | -17.5% |
| Portfolio | Permanent Portfolio (Canada)The four-way split with CAD-listed ETFs. | +12.0% | -13.7% |
| Strategy | TQQQ-BIL RotationA rules-based leveraged-equity / T-bill rotation. | +50.6% | -59.0% |
| Strategy | TQQQ-Cash (Canada)The leveraged rotation, Canadian-listed. | +34.1% | -19.5% |
| Calculator | All-in-One ETF ComparisonXEQT, VEQT, VGRO and the other one-ticket ETFs, backtested side by side — returns, drawdown and fees. | — | — |
| Calculator | Compound Interest CalculatorWatch a lump sum plus monthly contributions grow — in future and today's dollars, with years-to-$100k milestones. | — | — |
| Guide | Lazy portfolios explainedCouch-potato investing and the classic asset mixes. | — | — |
| Guide | Leveraged ETFs: the full guideHow 3x ETFs work, the decay math, and rotation strategies. | — | — |
| Article | Leveraged ETFs: Why 3x Doesn't Mean 3x Long TermHow leveraged ETFs work, the real risks (volatility decay, magnified losses), the benefits, and where 3x funds like TQQQ fit for US and Canadian investors. | — | — |
| Article | Should Canadians Invest at All-Time Highs?XIU.TO, SPY, and QQQ all hit all-time highs this week. Should Canadians keep investing or wait for a dip? Here's what 75 years of data says. | — | — |
| Article | TQQQ-BIL Strategy: Does Leveraged Rotation Pay Off?A plain-English look at the TQQQ-BIL rotation strategy, what a 10-year backtest shows about beating buy-and-hold, and a Canadian TQQQ.TO/CASH.TO version. | — | — |
| Article | US ETF Withholding Tax in Canada: VFV vs VOOHow the 15% US withholding tax hits VFV vs VOO across your RRSP, TFSA and non-registered accounts, and where the CAD-hedged VSP actually fits. | — | — |
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