Last Update: 31 October 2021

The Betterment Robo Advisor 10 Portfolio granted a 1.36% dividend yield in 2020.

It's a Low Risk portfolio and it can be replicated with 12 ETFs.

Portfolio Dividend Yield

The Dividend Yield of Betterment Robo Advisor 10 Portfolio is the result of the following asset allocation:

BETTERMENT ROBO ADVISOR 10 PORTFOLIO
DIVIDEND YIELDS (%)
Period: January 2020 - October 2021
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2021(*) 2020
Betterment Robo Advisor 10 Portfolio 0.59% 1.36%
Weight Components Dividend Yield (%)
3.20% VTI - Vanguard Total Stock Market 1.07% 1.71%
2.80% EFA - iShares MSCI EAFE 1.51% 2.25%
1.90% EEM - iShares MSCI Emerging Markets 0.47% 1.68%
0.90% VTV - Vanguard Value 1.91% 2.57%
0.60% IJS - iShares S&P Small-Cap 600 Value 1.35% 1.02%
0.50% VOE - Vanguard Mid-Cap Value 1.53% 2.38%
61.40% SHY - iShares 1-3 Year Treasury Bond 0.17% 0.96%
15.40% BSV - Vanguard Short-Term Bond 0.89% 1.85%
4.90% BNDX - Vanguard Total International Bond 0.64% 1.16%
3.80% BND - Vanguard Total Bond Market 1.44% 2.53%
2.90% EMB - iShares JP Morgan USD Em Mkts Bd 2.77% 4.00%
1.70% TIP - iShares TIPS Bond 3.52% 1.29%
(*) Dividend Yield is calculated only for a portion of the year

Capital Growth and Dividends

In the following table, Capital Growth details (with and without dividend reinvestment) are represented.

If you are not interested in a periodic income and you need a strategy with a dividend reinvestment, please refer to the Betterment Robo Advisor 10 Portfolio: ETF allocation and returns page.

BETTERMENT ROBO ADVISOR 10 PORTFOLIO
CAPITAL GROWTH with or without dividend reinvestment
1000$ invested from January 2013 to October 2021
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Year
Dividend
Cumulative
Dividend
Cashflow
Portfolio
Value
EOY Capital
Amount Yield Effective
Ptf + Cashflow
Total Return
Div. reinvestment
1000.00
2013 9.14 0.91% 9.14 1010.75 1019.89 1019.88
2014 10.45 1.02% 19.59 1018.16 1037.75 1037.82
2015 11.27 1.09% 30.85 1008.14 1038.99 1038.87
2016 13.29 1.28% 44.15 1019.99 1064.14 1064.37
2017 15.85 1.49% 59.99 1038.92 1098.91 1099.97
2018 22.42 2.04% 82.42 1017.97 1100.39 1100.21
2019 26.99 2.45% 109.41 1060.32 1169.73 1172.98
2020 15.91 1.36% 125.31 1095.86 1221.17 1228.20
Oct 2021(*) 7.20 0.59% 132.51 1099.67 1232.18 1239.66
(*) Dividend Yield is calculated only for a portion of the year WITHOUT
dividend
reinvestment
WITH
dividend
reinvestment

Column meaning:

  • Dividend -> Amount: Income returned over the year (or portion of the year)
  • Dividend -> Yield: Dividend Yield calculated on the starting price of the year
  • Cumulative Dividend Cashflow: Sum of all the dividends received
  • Portfolio Value: Investment Value, excluding dividends, at the end of year
  • EOY Capital -> Effective: Investment Value plus cumulative dividends
  • EOY Capital -> Total Return: Investment Value, with dividend reinvestment

Which are the global returns of the last periods? In the following table, the Effective Return considers the received (and not reinvested) dividends. Total Return is calculated assuming dividend reinvestment.

Swipe left to see all data
Period Portfolio
Return
Effective
Return
Total
Return
Jan 2020 - Oct 2021 +3.71% +5.34% +5.68%
Jan 2018 - Oct 2021 +5.85% +12.13% +12.70%
Jan 2016 - Oct 2021 +9.08% +18.59% +19.33%
Jan 2014 - Oct 2021 +8.80% +20.81% +21.55%
WITHOUT
dividend
reinvestment
WITH
dividend
reinvestment

Yearly Returns and Dividend Yield

Dividends are essential for the investor who needs additional periodic income. When dividends are not reinvested, how much is the real portfolio return over the years?

BETTERMENT ROBO ADVISOR 10 PORTFOLIO
HISTORICAL RETURNS AND DIVIDEND YIELDS
Period: January 2013 - October 2021
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Year Total Return Dividend Yield Return
Without Dividends
2013 +1.99% 0.91% +1.07%
2014 +1.76% 1.02% +0.73%
2015 +0.10% 1.09% -0.98%
2016 +2.45% 1.28% +1.17%
2017 +3.34% 1.49% +1.86%
2018 +0.02% 2.04% -2.02%
2019 +6.61% 2.45% +4.16%
2020 +4.71% 1.36% +3.35%
Oct 2021(*) +0.93% 0.59% +0.35%
(*) Dividend Yield is calculated only for a portion of the year

Actual Dividend Yield for long term investors

What would have been the annual Dividend Yield received by investors if they had implemented the Betterment Robo Advisor 10 Portfolio allocation over the past years?

E.g. If you had implemented it 3 years ago, how much would be your actual dividend yield today?

BETTERMENT ROBO ADVISOR 10 PORTFOLIO
ACTUAL DIVIDEND YIELD for long-term investors
Period: January 2013 - October 2021
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Starting Period
of the
Investment
Actual Dividend Yield over years
2015 2016 2017 2018 2019 2020 2021(*)
Jan 2013 1.13% 1.33% 1.59% 2.24% 2.70% 1.59% 0.72%
Jan 2014 1.11% 1.30% 1.55% 2.20% 2.65% 1.56% 0.71%
Jan 2015 1.09% 1.28% 1.53% 2.16% 2.60% 1.53% 0.69%
Jan 2016 1.28% 1.53% 2.16% 2.60% 1.53% 0.69%
Jan 2017 1.49% 2.11% 2.54% 1.49% 0.68%
Jan 2018 2.04% 2.45% 1.45% 0.65%
Jan 2019 2.45% 1.45% 0.65%
Jan 2020 1.36% 0.61%
(*) Dividend Yield is calculated only for a portion of the year

Collecting dividends is useful to obtain an additional income. Obtaining a large amount of income is the first step to financial freedom. However, if your need is to increase your capital as much as possible with dividend reinvestment, please refer to the Betterment Robo Advisor 10 Portfolio: ETF allocation and returns page.

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