Guide

Lazy portfolios

A 'lazy' or couch-potato portfolio is a small set of broad ETFs you rebalance once in a while. These pages backtest the classic mixes — three-fund, Golden Butterfly, All Weather, Permanent Portfolio — in both US and Canadian-listed versions. Educational only.

Showing 11 of 11

Type	Name	What it explores
Portfolio	All Weather	Ray Dalio's risk-parity mix for any economy.
Portfolio	All Weather (Canada)	Risk parity built from Canadian-listed ETFs.
Portfolio	Ben Felix Five-Factor	A factor-tilted portfolio built around small-cap and value.
Portfolio	Canadian 3-Fund (Bogleheads)	A three-ETF couch-potato portfolio for Canadians.
Portfolio	Golden Butterfly	Five equal sleeves balancing growth and stability.
Portfolio	Golden Butterfly (Canada)	The Golden Butterfly with CAD-listed ETFs.
Portfolio	Permanent Portfolio	Harry Browne's 25%-each four-way split.
Portfolio	Permanent Portfolio (Canada)	The four-way split with CAD-listed ETFs.
Calculator	All-in-One ETF Comparison	XEQT, VEQT, VGRO and the other one-ticket ETFs, backtested side by side — returns, drawdown and fees.
Article	Leveraged ETFs: Why 3x Doesn't Mean 3x Long Term	How 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	US ETF Withholding Tax in Canada: VFV vs VOO	How 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.