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

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+4.53% 21 79 0 Compare
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+4.23% 20.4 79.6 0 Compare
10-year Treasury
+4.15% 0 100 0 Compare
Robo Advisor 20
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+3.60% 19.9 80.1 0 Compare

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns

Betterment Robo Advisor 0 Portfolio: annualized rolling and average returns

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Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+5.30% +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

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