Betterment Robo Advisor 0 Portfolio: ETF allocation and returns

Data Source: from January 1983 to September 2021

Last Update: 30 September 2021

The Betterment Robo Advisor 0 Portfolio is exposed for 0% on the Stock Market.

It's a Low Risk portfolio and it can be replicated with 2 ETFs.

In the last 10 years, the portfolio obtained a 1.17% compound annual return, with a 0.94% standard deviation.

In the last 25 years, a 3.24% compound annual return, with a 1.62% standard deviation.

In 2020, the portfolio granted a 1.14% dividend yield. If you are interested in getting periodic income, please refer to the Betterment Robo Advisor 0 Portfolio: Dividend Yield page.

Asset Allocation and ETFs

The Betterment Robo Advisor 0 Portfolio has the following asset allocation:

        0% Stocks
      
        100% Fixed Income
      
        0% Commodities

The Betterment Robo Advisor 0 Portfolio can be replicated with the following ETFs:

Weight		Ticker	ETF Name	Investment Themes
80.00 %		SHY	iShares 1-3 Year Treasury Bond	Bond, U.S., Short Term
20.00 %		BSV	Vanguard Short-Term Bond	Bond, U.S., Short Term

Most of Lazy Portfolios are made of common components (asset classes), very simple and well defined. For a more complete view, find out the most common ETFs you can use to build your portfolio.

Portfolio and ETF Returns

The Betterment Robo Advisor 0 Portfolio guaranteed the following returns.

BETTERMENT ROBO ADVISOR 0 PORTFOLIO RETURNS (%)

Last Update: 30 September 2021

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	1M	3M	6M	1Y	*3Y^()**	*5Y^()**	*10Y^()**	*20Y^()**	*25Y^()**
Betterment Robo Advisor 0 Portfolio	-0.14	+0.03	+0.04	-0.08	+2.74	+1.63	+1.17	+2.35	+3.24
*Components*
SHY iShares 1-3 Year Treasury Bond	-0.10	+0.03	-0.02	-0.10	+2.53	+1.51	+1.03	+2.20	+3.12
BSV Vanguard Short-Term Bond	-0.30	+0.01	+0.28	-0.03	+3.56	+2.10	+1.75	+2.92	+3.73

(*) annualized

Portfolio returns are calculated assuming:

a rebalancing of the components at the beginning of each year (i.e. at every January 1st)
the reinvestment of dividends

If you are interested in getting periodic income, please refer to the Betterment Robo Advisor 0 Portfolio: Dividend Yield page.

Readings that may interest you

Index Funds & ETFs: What they are and how to make them work for you

The Price of Tomorrow: Why Deflation Is the Key to an Abundant Future

Action Workbook Based On Principles By Ray Dalio

Historical Returns

Betterment Robo Advisor 0 Portfolio - Historical returns and stats.

BETTERMENT ROBO ADVISOR 0 PORTFOLIO

Last Update: 30 September 2021

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Period	Returns Sep 2021	Standard Deviation *	Max Drawdown	Months Pos - Neg
1M	-0.14%		-0.14% Sep 2021 - Sep 2021	0 - 1
3M	+0.03%		-0.18% Aug 2021 - Sep 2021	1 - 2
6M	+0.04%		-0.18% Jun 2021 - Jun 2021	3 - 3
YTD	-0.16%		-0.20% Feb 2021 - Mar 2021	4 - 5
1Y	-0.08%	0.39%	-0.20% Feb 2021 - Mar 2021	6 - 6
3Y	+2.74% annualized	1.16%	-0.20% Feb 2021 - Mar 2021	26 - 10
5Y	+1.63% annualized	1.09%	-1.01% Sep 2017 - Feb 2018	38 - 22
10Y	+1.17% annualized	0.94%	-1.01% Sep 2017 - Feb 2018	77 - 43
20Y	+2.35% annualized	1.47%	-1.21% Apr 2008 - May 2008	164 - 76
25Y	+3.24% annualized	1.62%	-1.21% Apr 2008 - May 2008	217 - 83
MAX 01 Jan 1983	+5.08% annualized	2.16%	-2.21% Feb 1994 - Apr 1994	353 - 112

* Annualized St.Dev. of monthly returns

Best Classic Portfolios, with Low Risk, ordered by 25 Years annualized return.

	25 Years Stats		% Allocation
Portfolio	Return▾	Drawdown	Stocks	Bonds	Comm.
High Yield Bonds Income	+7.14%	-23.98%	0	100	0	Compare
All Country World 20/80	+6.24%	-14.04%	20	80	0	Compare
Stocks/Bonds 20/80	+6.14%	-8.42%	20	80	0	Compare
All Country World Bonds	+5.81%	-8.82%	0	100	0	Compare
Dimensional Retirement Income Fund DFA	+5.77%	-12.91%	20.4	79.6	0	Compare

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Worst drawdowns since October 1996 - Chart and Data

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-1.21%	Apr 2008	May 2008	2	Sep 2008	4	6
-1.13%	Apr 2004	May 2004	2	Oct 2004	5	7
-1.02%	Nov 2001	Dec 2001	2	Feb 2002	2	4
-1.01%	Sep 2017	Feb 2018	6	Nov 2018	9	15
-0.88%	Jan 2009	Feb 2009	2	Aug 2009	6	8
-0.84%	Feb 1999	Feb 1999	1	Apr 1999	2	3
-0.84%	Dec 2009	Dec 2009	1	Feb 2010	2	3
-0.78%	Mar 2002	Mar 2002	1	Apr 2002	1	2
-0.77%	Aug 2016	Nov 2016	4	Jul 2017	8	12
-0.63%	Jul 2003	Aug 2003	2	Sep 2003	1	3
-0.57%	Nov 2004	Mar 2005	5	May 2005	2	7
-0.56%	Nov 2010	Mar 2011	5	Apr 2011	1	6
-0.54%	Oct 2015	Dec 2015	3	Jan 2016	1	4
-0.52%	Oct 2002	Nov 2002	2	Dec 2002	1	3
-0.40%	May 2013	Jun 2013	2	Oct 2013	4	6
-0.39%	Oct 2003	Nov 2003	2	Dec 2003	1	3
-0.35%	Jul 2005	Jul 2005	1	Aug 2005	1	2
-0.35%	Sep 2005	Oct 2005	2	Nov 2005	1	3
-0.33%	Feb 2015	Feb 2015	1	May 2015	3	4
-0.30%	May 1999	May 1999	1	Aug 1999	3	4

Worst drawdowns since January 1983 - Chart and Data

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-2.21%	Feb 1994	Apr 1994	3	Jan 1995	9	12
-1.23%	Oct 1992	Nov 1992	2	Jan 1993	2	4
-1.21%	Apr 2008	May 2008	2	Sep 2008	4	6
-1.13%	Apr 2004	May 2004	2	Oct 2004	5	7
-1.06%	Apr 1987	May 1987	2	Jun 1987	1	3
-1.05%	Feb 1996	Apr 1996	3	Jul 1996	3	6
-1.02%	Nov 2001	Dec 2001	2	Feb 2002	2	4
-1.01%	Sep 2017	Feb 2018	6	Nov 2018	9	15
-0.98%	May 1984	May 1984	1	Jul 1984	2	3
-0.94%	Aug 1989	Aug 1989	1	Oct 1989	2	3
-0.88%	Jan 2009	Feb 2009	2	Aug 2009	6	8
-0.84%	Dec 2009	Dec 2009	1	Feb 2010	2	3
-0.84%	Feb 1999	Feb 1999	1	Apr 1999	2	3
-0.78%	Mar 2002	Mar 2002	1	Apr 2002	1	2
-0.77%	Aug 2016	Nov 2016	4	Jul 2017	8	12
-0.66%	May 1983	Jul 1983	3	Sep 1983	2	5
-0.63%	Jul 2003	Aug 2003	2	Sep 2003	1	3
-0.57%	Nov 2004	Mar 2005	5	May 2005	2	7
-0.56%	Nov 2010	Mar 2011	5	Apr 2011	1	6
-0.54%	Oct 2015	Dec 2015	3	Jan 2016	1	4

Rolling Returns ( more details)

Betterment Robo Advisor 0 Portfolio: annualized rolling and average returns

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	*Return ()**			Negative Periods
Rolling Period	Average	Best	Worst	Negative Periods
1 Year	+5.19%	+20.85% Jul 1984 - Jun 1985	-0.52% May 2017 - Apr 2018	3.52%
2 Years	+5.18%	+16.49% Jul 1984 - Jun 1986	-0.17% Aug 2016 - Jul 2018	0.90%
3 Years	+5.08%	+13.92% Sep 1983 - Aug 1986	+0.26% May 2015 - Apr 2018	0.00%
5 Years	+4.95%	+10.85% Jul 1984 - Jun 1989	+0.41% May 2013 - Apr 2018	0.00%
7 Years	+4.93%	+10.50% Jun 1984 - May 1991	+0.51% Sep 2011 - Aug 2018	0.00%
10 Years	+4.90%	+9.88% Sep 1983 - Aug 1993	+0.96% Jan 2009 - Dec 2018	0.00%
15 Years	+4.92%	+8.47% Sep 1983 - Aug 1998	+1.96% Oct 2003 - Sep 2018	0.00%
20 Years	+4.93%	+7.95% Jan 1983 - Dec 2002	+2.35% Oct 2001 - Sep 2021	0.00%

* Annualized rolling and average returns over full calendar month periods

If you need a deeper detail about rolling returns, please refer to the Betterment Robo Advisor 0 Portfolio: Rolling Returns page.

Seasonality and Yearly/Monthly Returns

Betterment Robo Advisor 0 Portfolio Seasonality: in which months is it better to invest?

In the table below, the average monthly return is represented.

Below each return, it's also mentioned the probability of obtaining a positive monthly result (Win %).

Both the Average Return and the Gain Frequency are useful to get an idea of what happened in the past.

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	Monthly Average Return (%) and Gain Frequency
Return (%)	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
Average Win %	0.53 85%	0.27 69%	0.24 67%	0.35 82%	0.33 69%	0.50 85%	0.46 85%	0.48 82%	0.52 72%	0.50 76%	0.34 63%	0.45 76%
Best Year	1.8 2008	1.6 1995	2.0 1986	1.8 1985	2.7 1985	2.1 1989	2.2 1984	1.7 1986	2.1 1983	2.8 1984	2.0 1984	1.8 1991
Worst Year	-0.6 2009	-0.9 1994	-0.9 1994	-1.1 2004	-1.0 1984	-0.2 2013	-0.7 1983	-0.9 1989	-0.5 1987	-1.1 1992	-0.8 2001	-0.8 2009

Statistics calculated for the period Jan 1983 - Sep 2021

For further information about the seasonality, check the Asset Class Seasonality page.

Monthly Returns of Betterment Robo Advisor 0 Portfolio

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		Months
Year	Return	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2021	-0.16%	0.0	-0.1	-0.1	0.1	0.1	-0.2	0.2	0.0	-0.1
2020	+3.37%	0.6	0.9	1.1	0.4	0.1	0.1	0.2	0.0	0.0	-0.1	0.1	0.1
2019	+3.70%	0.3	0.1	0.7	0.2	0.8	0.5	-0.1	0.9	-0.2	0.3	-0.1	0.2
2018	+1.44%	-0.3	-0.1	0.2	-0.2	0.4	0.0	0.0	0.4	-0.2	0.1	0.4	0.8
2017	+0.45%	0.1	0.1	0.1	0.2	0.1	-0.1	0.2	0.2	-0.2	-0.1	-0.2	0.0
2016	+0.92%	0.7	0.2	0.2	0.1	-0.1	0.7	0.0	-0.2	0.1	-0.1	-0.6	0.1
2015	+0.53%	0.7	-0.3	0.3	0.0	0.1	0.0	0.1	-0.1	0.3	-0.1	-0.3	-0.2
2014	+0.63%	0.3	0.1	-0.2	0.1	0.2	-0.1	-0.1	0.2	-0.1	0.3	0.1	-0.3
2013	+0.20%	0.0	0.1	0.0	0.1	-0.2	-0.2	0.2	-0.1	0.3	0.1	0.1	-0.2
2012	+0.55%	0.2	-0.1	-0.1	0.3	0.1	-0.1	0.3	0.1	0.0	-0.1	0.1	-0.1
2011	+1.74%	0.2	-0.1	-0.1	0.6	0.4	0.0	0.4	0.4	-0.1	0.1	0.0	0.1
2010	+2.60%	0.8	0.2	-0.3	0.3	0.4	0.5	0.3	0.3	0.2	0.3	-0.2	-0.2
2009	+0.59%	-0.6	-0.3	0.5	-0.1	0.2	-0.1	0.3	0.4	0.3	0.2	0.6	-0.8
2008	+6.99%	1.8	1.0	0.2	-0.8	-0.4	0.2	0.4	0.5	0.6	0.5	1.7	1.1
2007	+7.05%	0.2	0.8	0.4	0.3	-0.1	0.4	0.9	0.9	0.6	0.5	1.7	0.3
2006	+4.11%	0.2	0.1	0.2	0.3	0.2	0.2	0.7	0.8	0.5	0.4	0.5	0.1
2005	+1.66%	0.0	-0.3	0.0	0.6	0.4	0.3	-0.4	0.7	-0.3	-0.1	0.4	0.4
2004	+0.95%	0.2	0.5	0.3	-1.1	-0.1	0.0	0.3	0.8	0.0	0.3	-0.6	0.3
2003	+2.62%	0.0	0.5	0.2	0.3	0.5	0.2	-0.6	-0.1	1.0	-0.4	0.0	1.0
2002	+7.46%	0.4	0.6	-0.8	1.4	0.7	0.7	1.3	0.9	1.2	-0.1	-0.5	1.4
2001	+7.87%	1.3	0.8	0.8	0.0	0.5	0.4	1.4	0.8	1.5	1.1	-0.8	-0.3
2000	+8.70%	-0.1	0.7	0.7	0.1	0.3	1.3	0.7	0.9	0.9	0.5	1.2	1.4
1999	+2.14%	0.5	-0.8	0.7	0.4	-0.3	0.1	0.1	0.2	0.8	0.3	0.2	0.0
1998	+7.20%	1.1	-0.1	0.4	0.6	0.6	0.5	0.4	1.5	1.7	0.1	-0.1	0.3
1997	+6.60%	0.4	0.2	-0.2	0.9	0.7	0.7	1.2	0.0	0.8	0.8	0.2	0.7
1996	+4.47%	0.9	-0.7	-0.2	-0.2	0.1	0.9	0.3	0.3	1.0	1.3	0.9	-0.1
1995	+12.23%	1.6	1.6	0.6	1.0	2.0	0.6	0.3	0.6	0.6	0.9	1.0	0.8
1994	-0.40%	0.7	-0.9	-0.9	-0.5	0.1	0.2	1.0	0.3	-0.3	0.2	-0.5	0.2
1993	+6.46%	1.5	1.3	0.2	0.9	-0.4	0.9	0.0	1.1	0.4	0.1	-0.1	0.5
1992	+6.84%	-0.4	0.2	-0.2	1.0	1.2	1.3	1.5	1.2	1.1	-1.1	-0.1	1.1
1991	+11.81%	0.8	0.6	0.7	1.1	0.8	0.2	0.8	1.4	1.3	1.1	0.9	1.8
1990	+9.78%	-0.1	0.5	0.3	0.1	1.6	1.2	1.3	0.3	0.8	1.1	1.1	1.3
1989	+11.47%	0.8	0.0	0.5	1.7	1.5	2.1	1.7	-0.9	0.6	1.8	0.9	0.4
1988	+5.93%	1.6	0.8	0.1	0.1	-0.2	1.0	0.0	0.1	1.3	1.0	-0.3	0.2
1987	+4.72%	0.7	0.5	0.1	-1.1	0.0	1.1	0.3	0.1	-0.5	2.4	0.4	0.6
1986	+10.57%	0.7	1.3	2.0	0.7	-0.3	1.6	1.0	1.7	-0.3	0.8	0.7	0.3
1985	+14.05%	1.1	-0.5	1.3	1.8	2.7	1.2	0.1	0.9	0.9	1.1	1.2	1.6
1984	+14.05%	1.4	0.2	-0.1	0.4	-1.0	0.8	2.2	1.1	1.8	2.8	2.0	1.7
1983	+8.22%	0.7	1.4	-0.1	1.8	-0.3	0.3	-0.7	0.6	2.1	0.8	0.8	0.6

* Note:
Portofolio Returns, up to December 2007, are simulated. They have been calculated using the historical series of equivalent ETFs / Assets, instead of the actual ETFs of the portfolio.

In particular, it has been used:

SHY - iShares 1-3 Year Treasury Bond: simulated historical serie, up to December 2002
BSV - Vanguard Short-Term Bond: simulated historical serie, up to December 2007