Last Update: 31 December 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 1.35% compound annual return, with a 0.96% 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:
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 |
Portfolio and ETF Returns
The Betterment Robo Advisor 0 Portfolio guaranteed the following returns.
1M | 3M | 6M | 1Y | 3Y(*) | 5Y(*) | 10Y(*) | |
---|---|---|---|---|---|---|---|
Betterment Robo Advisor 0 Portfolio | +0.08 | +0.08 | +0.20 | +3.37 | +2.83 | +1.97 | +1.35 |
Components | |||||||
SHY - iShares 1-3 Year Treasury Bond | +0.04 | +0.02 | +0.09 | +3.03 | +2.62 | +1.79 | +1.17 |
BSV - Vanguard Short-Term Bond | +0.23 | +0.33 | +0.67 | +4.70 | +3.66 | +2.70 | +2.05 |
- 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.
Period | Returns Dec 2020 |
Standard Deviation * |
Max Drawdown |
Months Pos - Neg |
---|---|---|---|---|
1M
|
+0.08%
|
0.00%
|
1 - 0 | |
3M
|
+0.08%
|
-0.06%
Oct 2020 - Oct 2020
|
2 - 1 | |
6M
|
+0.20%
|
-0.08%
Aug 2020 - Oct 2020
|
4 - 2 | |
YTD
|
+3.37%
|
1.28%
|
-0.08%
Aug 2020 - Oct 2020
|
10 - 2 |
1Y
|
+3.37%
|
1.28%
|
-0.08%
Aug 2020 - Oct 2020
|
10 - 2 |
3Y
|
+2.83%
annualized
|
1.20%
|
-0.47%
Jan 2018 - Feb 2018
|
26 - 10 |
5Y
|
+1.97%
annualized
|
1.13%
|
-1.01%
Sep 2017 - Feb 2018
|
41 - 19 |
10Y
|
+1.35%
annualized
|
0.96%
|
-1.01%
Sep 2017 - Feb 2018
|
79 - 41 |
MAX
01 Jan 1983
|
+5.19%
annualized
|
2.17%
|
-2.21%
Feb 1994 - Apr 1994
|
349 - 107 |
* Annualized St.Dev. of monthly returns
Best Low Risk Porftolios, ordered by 10Y annualized return.
Portfolio | 10Y Return ▾ | Stocks | Bonds | Comm. | ||
---|---|---|---|---|---|---|
High Yield Bonds Income |
+6.17% | 0 | 100 | 0 | Compare | |
World Developed 20/80 |
+5.93% | 20 | 80 | 0 | Compare | |
Stocks/Bonds 20/80 |
+5.84% | 20 | 80 | 0 | Compare | |
Total Bond World Developed |
+4.90% | 0 | 100 | 0 | Compare | |
Edge Select Conservative Merrill Lynch |
+4.78% | 21 | 79 | 0 | Compare |
Capital Growth
Drawdowns
Rolling Returns ( more details)
Betterment Robo Advisor 0 Portfolio: annualized rolling and average returns
Return (*) | Negative Periods |
|||
---|---|---|---|---|
Rolling Period | Average | Best | Worst | |
1 Year |
+5.29% |
+20.85% Jul 1984 - Jun 1985 |
-0.52% May 2017 - Apr 2018 |
3.37% |
2 Years |
+5.24% |
+16.49% Jul 1984 - Jun 1986 |
-0.17% Aug 2016 - Jul 2018 |
0.92% |
3 Years |
+5.13% |
+13.92% Sep 1983 - Aug 1986 |
+0.26% May 2015 - Apr 2018 |
0.00% |
5 Years |
+5.02% |
+10.85% Jul 1984 - Jun 1989 |
+0.41% May 2013 - Apr 2018 |
0.00% |
7 Years |
+5.01% |
+10.50% Jun 1984 - May 1991 |
+0.51% Sep 2011 - Aug 2018 |
0.00% |
10 Years |
+5.00% |
+9.88% Sep 1983 - Aug 1993 |
+0.96% Jan 2009 - Dec 2018 |
0.00% |
15 Years |
+5.01% |
+8.47% Sep 1983 - Aug 1998 |
+1.96% Oct 2003 - Sep 2018 |
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
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 | 0.4 |
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 | 76 | 63 | 76 |
Detail of Monthly Returns
Months | |||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Year | Return | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
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