Data Source: from January 1983 to December 2021

Last Update: 31 December 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 1.09% compound annual return, with a 0.96% standard deviation.

In the last 25 years, a 3.13% compound annual return, with a 1.61% 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 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: 31 December 2021
Swipe left to see all data
1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*) 20Y(*) 25Y(*)
Betterment Robo Advisor 0 Portfolio -0.20 -0.63 -0.60 -0.79 +2.07 +1.62 +1.09 +2.31 +3.13
--- Inflation Adjusted return -0.67 -2.78 -3.87 -7.39 -1.41 -1.26 -1.00 +0.00 +0.82
Components
SHY
iShares 1-3 Year Treasury Bond
-0.21 -0.60 -0.57 -0.72 +1.88 +1.47 +0.95 +2.17 +3.01
BSV
Vanguard Short-Term Bond
-0.15 -0.73 -0.72 -1.09 +2.83 +2.20 +1.64 +2.88 +3.61
(*) 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

Inflation is updated to Dec 2021. Current inflation (annualized) is 1Y: 7.12% , 3Y: 3.53% , 5Y: 2.92% , 10Y: 2.12% , 20Y: 2.31% , 25Y: 2.29%

In 2021, the 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.

Historical Returns

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

BETTERMENT ROBO ADVISOR 0 PORTFOLIO
Last Update: 31 December 2021
Swipe left to see all data
Period Return
Dec 2021
update
Return
Inflation
Adjusted
Standard
Deviation(*)
Max
Drawdown
Months
Pos - Neg
1M
Dec 2021
-0.20%
-0.67%
-0.20%
Dec 2021 - Dec 2021
0 - 1
3M
-0.63%
-2.78%
-0.63%
Oct 2021 - Dec 2021
0 - 3
6M
-0.60%
-3.87%
-0.81%
Aug 2021 - Dec 2021
1 - 5
YTD
-0.79%
-7.39%
0.51%
-0.81%
Aug 2021 - Dec 2021
4 - 8
33% pos
1Y
-0.79%
-7.39%
0.51%
-0.81%
Aug 2021 - Dec 2021
4 - 8
33% pos
3Y
+2.07%
annualized
-1.41%
annualized
1.18%
-0.81%
Aug 2021 - Dec 2021
23 - 13
64% pos
5Y
+1.62%
annualized
-1.26%
annualized
1.08%
-1.00%
Sep 2017 - Feb 2018
37 - 23
62% pos
10Y
+1.09%
annualized
-1.00%
annualized
0.96%
-1.00%
Sep 2017 - Feb 2018
72 - 48
60% pos
20Y
+2.31%
annualized
+0.00%
annualized
1.45%
-1.21%
Apr 2008 - May 2008
160 - 80
67% pos
25Y
+3.13%
annualized
+0.82%
annualized
1.61%
-1.21%
Apr 2008 - May 2008
212 - 88
71% pos
MAX
01 Jan 1983
+5.03%
annualized
+2.23%
annualized
2.16%
-2.22%
Feb 1994 - Apr 1994
350 - 118
75% pos
(*)Annualized St.Dev. of monthly returns

Portfolio efficiency

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

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
+6.94% -23.98% 0 100 0 Compare
All Country World 20/80
+6.13% -14.04% 20 80 0 Compare
Stocks/Bonds 20/80
+6.06% -8.42% 20 80 0 Compare
Vanguard LifeStrategy Income Fund
Vanguard
+5.87% -10.54% 20 80 0 Compare
US Inflation Protection
+5.79% -11.79% 0 100 0 Compare

See all portfolios

Our overall ratings, assigned to the Betterment Robo Advisor 0 Portfolio. The 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)
+3.13%
(+0.82%)
Poor : 1 / 5
Poor : 1 / 5
Standard Deviation
over 25 Years
1.61%
Excellent : 5 / 5
Excellent : 5 / 5
Maximum Drawdown
over 25 Years
-1.21%
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

Capital Growth

Time Range:

An investment of 1000$, since January 1997, now would be worth 2161.82$, with a total return of 116.18% (3.13% annualized).

The Inflation Adjusted Capital now would be 1227.53$, with a net total return of 22.75% (0.82% annualized).

Drawdowns

Time Range:

Worst drawdowns since January 1997 - Chart and Data

Swipe left to see all data
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
-1.01% 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
-0.81% Aug 2021 Dec 2021 5 in progress 5
-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
-0.40% May 2013 Jun 2013 2 Oct 2013 4 6
-0.40% 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

Rolling Returns ( more details)

Betterment Robo Advisor 0 Portfolio: annualized rolling and average returns

Swipe left to see all data
Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+5.16% +20.85%
Jul 1984 - Jun 1985
-0.79%
Jan 2021 - Dec 2021
4.38%
2 Years
+5.16% +16.49%
Jul 1984 - Jun 1986
-0.17%
Aug 2016 - Jul 2018
0.90%
3 Years
+5.06% +13.92%
Sep 1983 - Aug 1986
+0.26%
May 2015 - Apr 2018
0.00%
5 Years
+4.92% +10.85%
Jul 1984 - Jun 1989
+0.41%
May 2013 - Apr 2018
0.00%
7 Years
+4.90% +10.50%
Jun 1984 - May 1991
+0.51%
Oct 2011 - Sep 2018
0.00%
10 Years
+4.87% +9.88%
Sep 1983 - Aug 1993
+0.96%
Jan 2009 - Dec 2018
0.00%
15 Years
+4.89% +8.47%
Sep 1983 - Aug 1998
+1.96%
Oct 2003 - Sep 2018
0.00%
20 Years
+4.89% +7.95%
Jan 1983 - Dec 2002
+2.27%
Nov 2001 - Oct 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

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.

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 %
0.53
85%
0.27
69%
0.24
67%
0.35
82%
0.33
69%
0.50
79%
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
-0.6
2009
-0.9
1994
-0.9
1994
-1.1
2004
-1.0
1984
-0.2
2013
-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 - Dec 2021

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

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
350 Positive Months (75%) - 118 Negative Months (25%)
Jan 1983 - Dec 2021
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
2021
-0.79 -7.39 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 +2.04 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 -1.62 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

* 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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