Data Source: from January 1983 to June 2022
Consolidated Returns as of 30 June 2022
Live Update: Jul 05 2022, 01:59PM Eastern Time
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.03%
1 Day
Jul 05 2022, 01:59PM Eastern Time
0.36%
Current Month
July 2022

The Betterment Robo Advisor 0 Portfolio is a Low Risk portfolio and can be implemented with 2 ETFs.

It's exposed for 0% on the Stock Market.

In the last 30 Years, the Betterment Robo Advisor 0 Portfolio obtained a 3.36% compound annual return, with a 1.82% standard deviation.

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 implemented 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.

According to the available data source, let's assume we built the portfolio on January 1983.

Portfolio returns are calculated in USD, assuming: July 2022 return is calculated on the hypothesis of a newly built portfolio, with the starting asset allocation.
BETTERMENT ROBO ADVISOR 0 PORTFOLIO RETURNS
Consolidated returns as of 30 June 2022
Live Update: Jul 05 2022, 01:59PM Eastern Time
Swipe left to see all data
  Chg (%) Return (%)
Return (%) as of Jun 30, 2022
  1 Day Time ET(*) Jul 2022 1M 6M 1Y 5Y(*) 10Y(*) 30Y(*)
Betterment Robo Advisor 0 Portfolio 0.03 0.36 -0.65 -3.30 -3.88 0.83 0.73 3.36
US Inflation Adjusted return -0.65 -7.06 -10.64 -2.68 -1.69 0.87
Components
SHY
iShares 1-3 Year Treasury Bond 		0.01 01:59PM
Jul 05 2022 		0.31 -0.59 -2.99 -3.55 0.78 0.65 3.26
BSV
Vanguard Short-Term Bond 		0.12 01:59PM
Jul 05 2022 		0.56 -0.86 -4.52 -5.21 1.03 1.06 3.77
(*) Returns over 1 year are annualized
(*) Eastern Time (ET - America/New York)

US Inflation is updated to May 2022. Waiting for updates, inflation of Jun 2022 is set to 0%. Current inflation (annualized) is 1Y: 7.57% , 5Y: 3.61% , 10Y: 2.46% , 30Y: 2.47%

Live update: World Markets and Indexes

Portfolio Dividends

In 2021, the Betterment Robo Advisor 0 Portfolio granted a 0.49% dividend yield. If you are interested in getting periodic income, please refer to the Betterment Robo Advisor 0 Portfolio: Dividend Yield page.

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Principios

Historical Returns as of Jun 30, 2022

Historical returns and stats of Betterment Robo Advisor 0 Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

BETTERMENT ROBO ADVISOR 0 PORTFOLIO
Consolidated returns as of 30 June 2022
Data Source: from January 1983 to June 2022
Swipe left to see all data
Period Return (%)
as of Jun 2022		 Return (%)
Infl.Adj.		 Standard
Deviation (%)		 Max
Drawdown (%)		 Months
Pos - Neg
1M
Jun 2022
-0.65
-0.65
-0.65
Jun 2022 - Jun 2022
0 - 1
3M
-0.62
-1.90
-0.65
Jun 2022 - Jun 2022
1 - 2
6M
-3.30
-7.06
-3.30
Jan 2022 - Jun 2022
1 - 5
YTD
-3.30
-7.06
-3.30
Jan 2022 - Jun 2022
1 - 5
1Y
-3.88
-10.64
1.78
-4.08
Aug 2021 - Jun 2022
2 - 10
17% pos
3Y(*)
0.08
-4.23
1.63
-4.08
Aug 2021 - Jun 2022
18 - 18
50% pos
5Y(*)
0.83
-2.68
1.46
-4.08
Aug 2021 - Jun 2022
33 - 27
55% pos
10Y(*)
0.73
-1.69
1.18
-4.08
Aug 2021 - Jun 2022
70 - 50
58% pos
15Y(*)
1.61
-0.68
1.45
-4.08
Aug 2021 - Jun 2022
113 - 67
63% pos
20Y(*)
1.99
-0.45
1.49
-4.08
Aug 2021 - Jun 2022
156 - 84
65% pos
25Y(*)
2.88
0.45
1.67
-4.08
Aug 2021 - Jun 2022
208 - 92
69% pos
30Y(*)
3.36
0.87
1.82
-4.08
Aug 2021 - Jun 2022
254 - 106
71% pos
MAX(*)
01 Jan 1983
4.88
2.01
2.19
-4.08
Aug 2021 - Jun 2022
351 - 123
74% pos
(*) Returns over 1 year are annualized

Returns and stats are calculated assuming a yearly rebalancing of the components weight. How do returns change with different rebalancing strategies?

Capital Growth as of Jun 30, 2022

An investment of 1000$, since July 1992, now would be worth 2694.86$, with a total return of 169.49% (3.36% annualized).

The Inflation Adjusted Capital now would be 1295.31$, with a net total return of 29.53% (0.87% annualized).
An investment of 1000$, since January 1983, now would be worth 6559.39$, with a total return of 555.94% (4.88% annualized).

The Inflation Adjusted Capital now would be 2198.66$, with a net total return of 119.87% (2.01% annualized).

Drawdowns

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-4.08% Aug 2021 Jun 2022 11 in progress 11
-2.22% 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
-1.05% Feb 1996 Apr 1996 3 Jul 1996 3 6
-1.01% Nov 2001 Dec 2001 2 Feb 2002 2 4
-1.00% Sep 2017 Feb 2018 6 Nov 2018 9 15
-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% Jul 2016 Nov 2016 5 Jul 2017 8 13
-0.63% Jul 2003 Aug 2003 2 Sep 2003 1 3
-0.58% Nov 2010 Mar 2011 5 Apr 2011 1 6
-0.57% Nov 2004 Mar 2005 5 May 2005 2 7
-0.54% Oct 2015 Dec 2015 3 Jan 2016 1 4
-0.52% Oct 2002 Nov 2002 2 Dec 2002 1 3
-0.42% May 1993 May 1993 1 Jun 1993 1 2
-0.40% May 2013 Jun 2013 2 Oct 2013 4 6
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-4.08% Aug 2021 Jun 2022 11 in progress 11
-2.22% 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
-1.07% Apr 1987 May 1987 2 Jun 1987 1 3
-1.05% Feb 1996 Apr 1996 3 Jul 1996 3 6
-1.01% Nov 2001 Dec 2001 2 Feb 2002 2 4
-1.00% 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% Jul 2016 Nov 2016 5 Jul 2017 8 13
-0.67% May 1983 Jul 1983 3 Sep 1983 2 5
-0.63% Jul 2003 Aug 2003 2 Sep 2003 1 3
-0.58% Nov 2010 Mar 2011 5 Apr 2011 1 6
-0.57% Nov 2004 Mar 2005 5 May 2005 2 7

Rolling Returns ( more details)

Betterment Robo Advisor 0 Portfolio: annualized rolling and average returns

Swipe left to see all data
Rolling
Period		 Return (*) Negative
Periods
Average (%) Best (%) Worst (%)
1 Year
 5.05 20.85
Jul 1984 - Jun 1985 		-3.94
May 2021 - Apr 2022 		5.62%
2 Years
 5.08 16.49
Jul 1984 - Jun 1986 		-1.95
Jul 2020 - Jun 2022 		2.00%
3 Years
 5.01 13.92
Sep 1983 - Aug 1986 		0.08
Jul 2019 - Jun 2022 		0.00%
5 Years
 4.87 10.85
Jul 1984 - Jun 1989 		0.41
May 2013 - Apr 2018 		0.00%
7 Years
 4.84 10.50
Jun 1984 - May 1991 		0.51
Oct 2011 - Sep 2018 		0.00%
10 Years
 4.80 9.88
Sep 1983 - Aug 1993 		0.73
Jul 2012 - Jun 2022 		0.00%
15 Years
 4.83 8.47
Sep 1983 - Aug 1998 		1.61
Jul 2007 - Jun 2022 		0.00%
20 Years
 4.82 7.95
Jan 1983 - Dec 2002 		1.99
Jul 2002 - Jun 2022 		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

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

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

For further information about the seasonality, check the Asset Class Seasonality page.
Swipe left to see all data
Monthly Average Return (%) and Gain Frequency
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average
Win %		 0.50
83% 		0.26
68% 		0.20
65% 		0.33
80% 		0.34
70% 		0.47
78% 		0.46
82% 		0.48
82% 		0.52
72% 		0.48
74% 		0.33
62% 		0.43
74%
Best
Year		 1.8
2008 		1.6
1995 		2.0
1986 		1.8
1985 		2.6
1985 		2.1
1989 		2.2
1984 		1.7
1986 		2.1
1983 		2.8
1984 		2.0
1984 		1.8
1991
Worst
Year		 -0.8
2022 		-0.9
1994 		-1.5
2022 		-1.1
2004 		-1.0
1984 		-0.6
2022 		-0.6
1983 		-0.9
1989 		-0.5
1987 		-1.1
1992 		-0.8
2001 		-0.8
2009
Statistics calculated for the period Jan 1983 - Jun 2022

Monthly/Yearly Returns

Betterment Robo Advisor 0 Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
351 Positive Months (74%) - 123 Negative Months (26%)
Jan 1983 - Jun 2022
Swipe left to see all data
Yearly Return(%)
Monthly Return(%)
Year Total Infl.Adj Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2022
 -3.30 -7.06 -0.8 -0.5 -1.5 -0.6 0.6 -0.6
2021
 -0.79 -7.36 0.0 -0.1 -0.1 0.1 0.1 -0.2 0.2 0.0 -0.1 -0.4 -0.1 -0.2
2020
 +3.37 +2.06 0.6 0.9 1.1 0.4 0.1 0.1 0.1 0.0 0.0 -0.1 0.1 0.1
2019
 +3.70 +1.41 0.3 0.1 0.7 0.2 0.8 0.5 0.0 0.9 -0.2 0.3 -0.1 0.2
2018
 +1.44 -0.47 -0.3 -0.1 0.2 -0.2 0.4 0.0 0.0 0.4 -0.1 0.1 0.4 0.8
2017
 +0.45 -1.64 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 -1.10 0.7 0.2 0.2 0.0 -0.1 0.7 0.0 -0.2 0.1 -0.1 -0.6 0.1
2015
 +0.53 -0.11 0.7 -0.3 0.3 0.0 0.1 0.0 0.1 -0.1 0.3 -0.1 -0.3 -0.1
2014
 +0.63 -0.02 0.3 0.1 -0.1 0.1 0.2 -0.1 -0.1 0.2 -0.1 0.3 0.1 -0.3
2013
 +0.20 -1.29 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 -1.19 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 -1.28 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 +1.15 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 -2.17 -0.6 -0.3 0.5 0.0 0.2 -0.1 0.3 0.4 0.3 0.2 0.6 -0.8
2008
 +6.99 +7.02 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 +2.83 0.2 0.8 0.4 0.3 -0.1 0.4 0.9 0.9 0.6 0.5 1.7 0.2
2006
 +4.11 +1.55 0.2 0.1 0.2 0.2 0.2 0.2 0.7 0.8 0.5 0.4 0.5 0.1
2005
 +1.66 -1.62 0.0 -0.2 0.0 0.6 0.4 0.3 -0.4 0.7 -0.3 -0.1 0.4 0.4
2004
 +0.95 -2.31 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 +0.57 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 +4.86 0.4 0.6 -0.8 1.4 0.7 0.7 1.3 0.9 1.2 0.0 -0.5 1.4
2001
 +7.87 +6.16 1.3 0.8 0.8 0.0 0.5 0.4 1.4 0.8 1.5 1.1 -0.8 -0.2
2000
 +8.70 +5.09 -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 -0.52 0.5 -0.8 0.7 0.3 -0.3 0.1 0.1 0.2 0.8 0.3 0.2 0.0
1998
 +7.20 +5.51 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 +4.82 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 +1.06 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 +9.46 1.5 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 -2.92 0.7 -0.9 -0.9 -0.5 0.1 0.2 0.9 0.3 -0.3 0.2 -0.5 0.2
1993
 +6.46 +3.55 1.5 1.2 0.2 0.9 -0.4 0.9 0.0 1.1 0.4 0.1 -0.1 0.5
1992
 +6.84 +3.76 -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 +8.57 0.8 0.6 0.7 1.1 0.8 0.2 0.8 1.4 1.2 1.0 0.9 1.8
1990
 +9.78 +3.32 -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 +6.53 0.8 0.0 0.4 1.7 1.5 2.1 1.7 -0.9 0.6 1.8 0.8 0.4
1988
 +5.93 +1.45 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 +0.37 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 +9.27 0.7 1.3 2.0 0.7 -0.3 1.6 1.0 1.7 -0.3 0.8 0.6 0.3
1985
 +14.05 +9.88 1.1 -0.5 1.3 1.8 2.6 1.2 0.1 0.8 0.9 1.1 1.2 1.6
1984
 +14.05 +9.62 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 +4.27 0.7 1.4 -0.1 1.8 -0.3 0.3 -0.6 0.6 2.1 0.8 0.8 0.6

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

Portfolio efficiency

Is the Betterment Robo Advisor 0 Portfolio actually efficient, compared to other Lazy Portfolios?

Overall Ratings

The Betterment Robo Advisor 0 Portfolio is classified as Low Risk.

Very High Risk
Bond weight:
Less than 25%
High Risk
Bond weight:
25% - 49.99%
Medium Risk
Bond weight:
50% - 74.99%
Low Risk
Bond weight:
At least 75%
Low Risk
Portfolios		 All
Portfolios
25 Years Ann. Return
(Inflation Adjusted)		 +2.88%
(+0.45%)
Poor : 1 / 5
Poor : 1 / 5
Standard Deviation
over 25 Years		 1.67%
Excellent : 5 / 5
Excellent : 5 / 5
Maximum Drawdown
over 25 Years		 -4.08%
Excellent : 5 / 5
Excellent : 5 / 5
Easy to manage 2 ETFs
Excellent : 4.5 / 5
Excellent : 4.5 / 5
Rating assigned considering all the Low Risk Portfolios Rating assigned considering all the Portfolios in the database

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30 Years Stats (%)
% Allocation
Portfolio Jul 2022 Return▾ Drawdown Stocks Bonds Comm
High Yield Bonds Income
 +0.69 +6.91 -23.97 0 100 0
All Country World 20/80
 +0.43 +6.10 -14.04 20 80 0
Stocks/Bonds 20/80
 +0.89 +5.93 -12.54 20 80 0
US Inflation Protection
 +1.49 +5.80 -11.79 0 100 0
Dimensional Retirement Income Fund
DFA 		+0.89 +5.79 -12.91 20.4 79.6 0

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Jul 2022 return refers to period 01-05 July 2022.
Last update: Jul 05 2022, 02:00PM Eastern Time.
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