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.

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:

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
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
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