Betterment Robo Advisor 0 Portfolio: ETF allocation and returns

Last Update: 30 September 2020

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 1.32% compound annual return, with a 0.98% standard deviation.

In 2019, the portfolio granted a 2.21% 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 2020

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	1M	3M	6M	1Y	*3Y^()**	*5Y^()**	*10Y^()**
Betterment Robo Advisor 0 Portfolio	0.00	+0.13	+0.63	+3.74	+2.69	+1.84	+1.32
*Components*
SHY - iShares 1-3 Year Treasury Bond	0.00	+0.07	+0.29	+3.45	+2.50	+1.67	+1.15
BSV - Vanguard Short-Term Bond	+0.01	+0.35	+2.00	+4.91	+3.43	+2.52	+1.96

(*) 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.

Historical Returns

Betterment Robo Advisor 0 Portfolio - Historical returns and stats.

BETTERMENT ROBO ADVISOR 0 PORTFOLIO

Last Update: 30 September 2020

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Period	Returns Sep 2020	Standard Deviation *	Max Drawdown	Months Pos - Neg
1M	0.00%		0.00%	1 - 0
3M	+0.13%		-0.02% Aug 2020 - Aug 2020	2 - 1
6M	+0.63%		-0.02% Aug 2020 - Aug 2020	5 - 1
YTD	+3.29%		-0.02% Aug 2020 - Aug 2020	8 - 1
1Y	+3.74%	1.24%	-0.05% Nov 2019 - Nov 2019	10 - 2
3Y	+2.69% annualized	1.23%	-0.80% Oct 2017 - Feb 2018	24 - 12
5Y	+1.84% annualized	1.16%	-1.01% Sep 2017 - Feb 2018	39 - 21
10Y	+1.32% annualized	0.98%	-1.01% Sep 2017 - Feb 2018	78 - 42
MAX 01 Jan 1983	+5.22% annualized	2.18%	-2.21% Feb 1994 - Apr 1994	347 - 106

* Annualized St.Dev. of monthly returns

Best Low Risk Porftolios, ordered by 10Y annualized return.

Portfolio	10Y Return ▾	Stocks	Bonds
High Yield Bonds Income	+5.60%	0	100	Compare
Edge Select Conservative Merrill Lynch	+4.53%	21	79	Compare
Dimensional Retirement Income Fund DFA	+4.23%	20.4	79.6	Compare
10-year Treasury	+4.15%	0	100	Compare
Robo Advisor 20 Betterment	+3.60%	19.9	80.1	Compare

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Capital Growth

Time Range:

Drawdowns

Time Range:

Worst drawdowns since September 2010.

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-1.01%	Sep 2017	Feb 2018	6	Nov 2018	9	15
-0.77%	Aug 2016	Nov 2016	4	Jul 2017	8	12
-0.56%	Nov 2010	Mar 2011	5	Apr 2011	1	6
-0.54%	Oct 2015	Dec 2015	3	Jan 2016	1	4
-0.40%	May 2013	Jun 2013	2	Oct 2013	4	6
-0.33%	Feb 2015	Feb 2015	1	May 2015	3	4
-0.29%	Dec 2014	Dec 2014	1	Jan 2015	1	2
-0.23%	Dec 2013	Dec 2013	1	Jan 2014	1	2
-0.21%	Feb 2012	Mar 2012	2	Apr 2012	1	3
-0.18%	Jun 2014	Jul 2014	2	Aug 2014	1	3
-0.16%	Sep 2019	Sep 2019	1	Oct 2019	1	2
-0.15%	Mar 2014	Mar 2014	1	May 2014	2	3
-0.14%	May 2016	May 2016	1	Jun 2016	1	2
-0.14%	Sep 2011	Sep 2011	1	Dec 2011	3	4
-0.09%	Sep 2014	Sep 2014	1	Oct 2014	1	2
-0.07%	Dec 2012	Dec 2012	1	Feb 2013	2	3
-0.07%	Jun 2012	Jun 2012	1	Jul 2012	1	2
-0.05%	Aug 2015	Aug 2015	1	Sep 2015	1	2
-0.05%	Nov 2019	Nov 2019	1	Dec 2019	1	2
-0.05%	Oct 2012	Oct 2012	1	Nov 2012	1	2

Worst drawdowns since December 1982.

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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

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	+5.30%	+20.85% Jul 1984 - Jun 1985	-0.52% May 2017 - Apr 2018	3.39%
2 Years	+5.25%	+16.49% Jul 1984 - Jun 1986	-0.17% Aug 2016 - Jul 2018	0.93%
3 Years	+5.15%	+13.92% Sep 1983 - Aug 1986	+0.26% May 2015 - Apr 2018	0.00%
5 Years	+5.04%	+10.85% Jul 1984 - Jun 1989	+0.41% May 2013 - Apr 2018	0.00%
7 Years	+5.04%	+10.50% Jun 1984 - May 1991	+0.51% Sep 2011 - Aug 2018	0.00%
10 Years	+5.03%	+9.88% Sep 1983 - Aug 1993	+0.96% Jan 2009 - Dec 2018	0.00%
15 Years	+5.04%	+8.47% Sep 1983 - Aug 1998	+1.96% Oct 2003 - Sep 2018	0.00%

* Annualized rolling and average returns over full calendar month periods

Seasonality and Yearly/Monthly Returns

Betterment Robo Advisor 0 Portfolio Seasonality

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	Months
Return (%)	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
Average	0.5	0.3	0.3	0.4	0.3	0.5	0.5	0.5	0.5	0.5	0.3	0.5
Best	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	-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
Gain Frequency	84	71	68	82	68	87	84	84	74	78	62	76

Detail of Monthly Returns

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		Months
Year	Return	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2020	+3.29%	0.6	0.9	1.1	0.4	0.1	0.1	0.2	0.0	0.0
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