Data Source: from January 1995 to December 2021
Last Update: 31 December 2021
The Betterment Robo Advisor 10 Portfolio is exposed for 9.9% on the Stock Market.
It's a Low Risk portfolio and it can be replicated with 12 ETFs.
In the last 10 years, the portfolio obtained a 2.50% compound annual return, with a 1.64% standard deviation.
In the last 25 years, a 4.21% compound annual return, with a 2.21% standard deviation.
Asset Allocation and ETFs
The Betterment Robo Advisor 10 Portfolio has the following asset allocation:
The Betterment Robo Advisor 10 Portfolio can be replicated with the following ETFs:
| Weight | Ticker | ETF Name | Investment Themes | |
|---|---|---|---|---|
| 3.20 % | VTI | Vanguard Total Stock Market | Equity, U.S., Large Cap | |
| 2.80 % | EFA | iShares MSCI EAFE | Equity, EAFE, Large Cap | |
| 1.90 % | EEM | iShares MSCI Emerging Markets | Equity, Emerging Markets, Large Cap | |
| 0.90 % | VTV | Vanguard Value | Equity, U.S., Large Cap, Value | |
| 0.60 % | IJS | iShares S&P Small-Cap 600 Value | Equity, U.S., Small Cap, Value | |
| 0.50 % | VOE | Vanguard Mid-Cap Value | Equity, U.S., Mid Cap | |
| 61.40 % | SHY | iShares 1-3 Year Treasury Bond | Bond, U.S., Short Term | |
| 15.40 % | BSV | Vanguard Short-Term Bond | Bond, U.S., Short Term | |
| 4.90 % | BNDX | Vanguard Total International Bond | Bond, Developed Markets, All-Term | |
| 3.80 % | BND | Vanguard Total Bond Market | Bond, U.S., All-Term | |
| 2.90 % | EMB | iShares JP Morgan USD Em Mkts Bd | Bond, Emerging Markets, All-Term | |
| 1.70 % | TIP | iShares TIPS Bond | Bond, U.S., All-Term |
Portfolio and ETF Returns
The Betterment Robo Advisor 10 Portfolio guaranteed the following returns.
| 1M | 3M | 6M | 1Y | 3Y(*) | 5Y(*) | 10Y(*) | 20Y(*) | 25Y(*) | |
|---|---|---|---|---|---|---|---|---|---|
| Betterment Robo Advisor 10 Portfolio | +0.31 | +0.13 | -0.11 | +0.88 | +4.04 | +3.09 | +2.50 | +3.56 | +4.21 |
| --- Inflation Adjusted return | -0.16 | -2.03 | -3.39 | -5.83 | +0.49 | +0.16 | +0.38 | +1.22 | +1.88 |
| Components | |||||||||
|
VTI Vanguard Total Stock Market |
+3.79 | +9.11 | +9.08 | +25.67 | +25.73 | +17.96 | +16.29 | +9.91 | +9.88 |
|
EFA iShares MSCI EAFE |
+4.41 | +2.84 | +1.71 | +11.46 | +13.53 | +9.55 | +7.92 | +6.26 | +5.22 |
|
EEM iShares MSCI Emerging Markets |
+1.53 | -1.57 | -10.09 | -3.61 | +10.06 | +9.16 | +4.73 | +8.87 | +5.94 |
|
VTV Vanguard Value |
+6.95 | +9.34 | +8.31 | +26.51 | +17.58 | +12.48 | +13.74 | +8.48 | +8.66 |
|
IJS iShares S&P Small-Cap 600 Value |
+4.12 | +4.30 | +0.09 | +30.53 | +18.47 | +10.04 | +13.33 | +9.82 | +10.48 |
|
VOE Vanguard Mid-Cap Value |
+6.15 | +8.30 | +8.05 | +28.76 | +19.09 | +11.60 | +13.57 | +10.46 | +10.64 |
|
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 |
|
BNDX Vanguard Total International Bond |
-0.74 | -0.14 | -0.17 | -2.28 | +3.32 | +3.03 | +3.80 | +4.96 | +5.22 |
|
BND Vanguard Total Bond Market |
-0.31 | -0.04 | -0.08 | -1.86 | +4.78 | +3.54 | +2.75 | +4.09 | +4.73 |
|
EMB iShares JP Morgan USD Em Mkts Bd |
+2.16 | +0.40 | -0.82 | -2.24 | +5.98 | +4.41 | +4.59 | +7.91 | +9.09 |
|
TIP iShares TIPS Bond |
+0.40 | +2.39 | +4.14 | +5.67 | +8.26 | +5.18 | +2.93 | +5.18 | +5.79 |
- 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 1.05% dividend yield. If you are interested in getting periodic income, please refer to the Betterment Robo Advisor 10 Portfolio: Dividend Yield page.
Historical Returns
Historical returns and stats of Betterment Robo Advisor 10 Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.
| Period | Return Dec 2021 update |
Return Inflation Adjusted |
Standard Deviation(*) |
Max Drawdown |
Months Pos - Neg |
|---|---|---|---|---|---|
|
1M
Dec 2021
|
+0.31%
|
-0.16%
|
0.00%
|
1 - 0
|
|
|
3M
|
+0.13%
|
-2.03%
|
-0.36%
Nov 2021 - Nov 2021
|
2 - 1
|
|
|
6M
|
-0.11%
|
-3.39%
|
-0.88%
Sep 2021 - Nov 2021
|
4 - 2
|
|
|
YTD
|
+0.88%
|
-5.83%
|
1.12%
|
-0.88%
Sep 2021 - Nov 2021
|
7 - 5
58% pos
|
|
1Y
|
+0.88%
|
-5.83%
|
1.12%
|
-0.88%
Sep 2021 - Nov 2021
|
7 - 5
58% pos
|
|
3Y
|
+4.04%
annualized
|
+0.49%
annualized
|
1.89%
|
-1.19%
Mar 2020 - Mar 2020
|
28 - 8
78% pos
|
|
5Y
|
+3.09%
annualized
|
+0.16%
annualized
|
1.67%
|
-1.19%
Mar 2020 - Mar 2020
|
46 - 14
77% pos
|
|
10Y
|
+2.50%
annualized
|
+0.38%
annualized
|
1.64%
|
-1.31%
May 2013 - Jun 2013
|
87 - 33
73% pos
|
|
20Y
|
+3.56%
annualized
|
+1.22%
annualized
|
2.08%
|
-3.55%
Apr 2008 - Oct 2008
|
182 - 58
76% pos
|
|
25Y
|
+4.21%
annualized
|
+1.88%
annualized
|
2.21%
|
-3.55%
Apr 2008 - Oct 2008
|
230 - 70
77% pos
|
|
MAX
01 Jan 1995
|
+4.64%
annualized
|
+2.25%
annualized
|
2.27%
|
-3.55%
Apr 2008 - Oct 2008
|
251 - 73
77% pos
|
Portfolio efficiency
Is the Betterment Robo Advisor 10 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 | Returnâ–¾ | 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 | |
Our overall ratings, assigned to the Betterment Robo Advisor 10 Portfolio. The portfolio is classified as Low Risk.
Less than 25%
25% - 49.99%
50% - 74.99%
At least 75%
| Low Risk Portfolios |
All Portfolios |
||
|---|---|---|---|
| 25 Years Ann. Return (Inflation Adjusted) |
+4.21%
(+1.88%) |
Bad : 1.4 / 5
|
Bad : 1.1 / 5
|
| Standard Deviation over 25 Years |
2.21% |
Excellent : 5 / 5
|
Excellent : 5 / 5
|
| Maximum Drawdown over 25 Years |
-3.55% |
Excellent : 5 / 5
|
Excellent : 5 / 5
|
| Easy to manage | 12 ETFs |
Poor : 1 / 5
|
Poor : 1 / 5
|
| Rating assigned considering all the Low Risk Portfolios | Rating assigned considering all the Portfolios in the database |
Capital Growth
An investment of 1000$, since January 1997, now would be worth 2802.61$, with a total return of 180.26% (4.21% annualized).
The Inflation Adjusted Capital now would be 1591.39$, with a net total return of 59.14% (1.88% annualized).
Drawdowns
Worst drawdowns since January 1997 - Chart and Data
Drawdown period |
Recovery period |
Total |
||||
|---|---|---|---|---|---|---|
| Drawdown | Start | Bottom | #Months | End | #Months | #Months |
| -3.55% | Apr 2008 | Oct 2008 | 7 | May 2009 | 7 | 14 |
| -1.68% | Apr 2004 | Apr 2004 | 1 | Sep 2004 | 5 | 6 |
| -1.48% | Aug 2011 | Sep 2011 | 2 | Jan 2012 | 4 | 6 |
| -1.31% | May 2013 | Jun 2013 | 2 | Oct 2013 | 4 | 6 |
| -1.19% | Mar 2020 | Mar 2020 | 1 | Apr 2020 | 1 | 2 |
| -1.18% | May 2015 | Dec 2015 | 8 | Mar 2016 | 3 | 11 |
| -1.05% | Aug 1998 | Aug 1998 | 1 | Sep 1998 | 1 | 2 |
| -1.03% | Oct 2016 | Nov 2016 | 2 | Feb 2017 | 3 | 5 |
| -1.00% | Feb 1999 | Feb 1999 | 1 | Mar 1999 | 1 | 2 |
| -0.91% | Sep 2018 | Oct 2018 | 2 | Jan 2019 | 3 | 5 |
| -0.88% | Sep 2021 | Nov 2021 | 3 | in progress | 1 | 4 |
| -0.85% | May 2012 | May 2012 | 1 | Jul 2012 | 2 | 3 |
| -0.84% | May 1999 | May 1999 | 1 | Sep 1999 | 4 | 5 |
| -0.74% | Feb 2018 | Apr 2018 | 3 | Aug 2018 | 4 | 7 |
| -0.73% | Aug 1997 | Aug 1997 | 1 | Sep 1997 | 1 | 2 |
| -0.69% | Jan 2000 | Jan 2000 | 1 | Feb 2000 | 1 | 2 |
| -0.69% | Mar 1997 | Mar 1997 | 1 | Apr 1997 | 1 | 2 |
| -0.61% | Sep 2014 | Sep 2014 | 1 | Nov 2014 | 2 | 3 |
| -0.60% | Nov 2010 | Nov 2010 | 1 | Jan 2011 | 2 | 3 |
| -0.59% | Oct 2005 | Oct 2005 | 1 | Nov 2005 | 1 | 2 |
Rolling Returns ( more details)
Betterment Robo Advisor 10 Portfolio: annualized rolling and average returns
| Return (*) | Negative Periods |
|||
|---|---|---|---|---|
| Rolling Period | Average | Best | Worst | |
| 1 Year |
+4.58% |
+14.22% Jan 1995 - Dec 1995 |
-3.25% Mar 2008 - Feb 2009 |
3.19% |
| 2 Years |
+4.50% |
+10.25% Jan 1995 - Dec 1996 |
+0.82% Mar 2014 - Feb 2016 |
0.00% |
| 3 Years |
+4.43% |
+9.22% Jan 1995 - Dec 1997 |
+1.23% Feb 2013 - Jan 2016 |
0.00% |
| 5 Years |
+4.33% |
+8.12% Jan 1995 - Dec 1999 |
+1.45% Nov 2013 - Oct 2018 |
0.00% |
| 7 Years |
+4.29% |
+7.81% Jan 1995 - Dec 2001 |
+1.78% Nov 2011 - Oct 2018 |
0.00% |
| 10 Years |
+4.27% |
+7.10% Jan 1995 - Dec 2004 |
+2.37% Nov 2010 - Oct 2020 |
0.00% |
| 15 Years |
+4.30% |
+6.29% Jan 1995 - Dec 2009 |
+3.03% Dec 2006 - Nov 2021 |
0.00% |
| 20 Years |
+4.27% |
+5.38% Jan 1995 - Dec 2014 |
+3.55% Dec 2001 - Nov 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 10 Portfolio: Rolling Returns page.
Seasonality
Betterment Robo Advisor 10 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.
| Monthly Average Return (%) and Gain Frequency | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return (%) | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| Average Win % |
0.40 78% |
0.23 78% |
0.30 85% |
0.53 85% |
0.29 67% |
0.31 67% |
0.43 85% |
0.34 78% |
0.41 74% |
0.34 70% |
0.45 78% |
0.54 85% |
| Best Year |
1.8 2001 |
1.4 1995 |
1.5 2009 |
1.5 1995 |
2.5 1995 |
1.6 2000 |
1.6 1997 |
1.3 2000 |
2.3 1998 |
1.5 2001 |
1.6 1996 |
2.2 2008 |
| Worst Year |
-1.7 2009 |
-1.4 2009 |
-1.2 2020 |
-1.7 2004 |
-0.9 2012 |
-0.7 2013 |
-0.5 2003 |
-1.1 1998 |
-1.2 2011 |
-2.1 2008 |
-0.6 2010 |
-0.4 2015 |
For further information about the seasonality, check the Asset Class Seasonality page.
Monthly/Yearly Returns
Betterment Robo Advisor 10 Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?
Yearly Return(%) |
Monthly Return(%) |
|||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year | Total | Infl.Adj | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| 2021 |
+0.88 | -5.83 | 0.0 | 0.0 | 0.2 | 0.5 | 0.3 | 0.0 | 0.3 | 0.2 | -0.7 | 0.2 | -0.4 | 0.3 |
| 2020 |
+4.71 | +3.36 | 0.5 | 0.0 | -1.2 | 1.4 | 0.6 | 0.5 | 0.8 | 0.4 | -0.3 | -0.2 | 1.4 | 0.7 |
| 2019 |
+6.61 | +4.26 | 1.3 | 0.3 | 0.8 | 0.5 | 0.0 | 1.3 | 0.0 | 0.7 | 0.1 | 0.5 | 0.2 | 0.6 |
| 2018 |
+0.02 | -1.86 | 0.2 | -0.7 | 0.2 | -0.3 | 0.3 | -0.1 | 0.4 | 0.3 | -0.1 | -0.8 | 0.5 | 0.1 |
| 2017 |
+3.34 | +1.22 | 0.4 | 0.4 | 0.2 | 0.4 | 0.4 | 0.0 | 0.5 | 0.4 | 0.0 | 0.2 | 0.0 | 0.3 |
| 2016 |
+2.45 | +0.40 | 0.1 | 0.2 | 1.1 | 0.2 | -0.1 | 0.9 | 0.5 | -0.1 | 0.2 | -0.4 | -0.6 | 0.3 |
| 2015 |
+0.10 | -0.53 | 0.7 | 0.2 | 0.1 | 0.3 | 0.0 | -0.4 | 0.1 | -0.8 | 0.0 | 0.7 | -0.2 | -0.4 |
| 2014 |
+1.76 | +1.10 | -0.1 | 0.7 | 0.0 | 0.3 | 0.6 | 0.2 | -0.2 | 0.6 | -0.6 | 0.5 | 0.3 | -0.4 |
| 2013 |
+1.99 | +0.47 | 0.3 | 0.1 | 0.3 | 0.5 | -0.6 | -0.7 | 0.7 | -0.6 | 1.0 | 0.7 | 0.2 | 0.0 |
| 2012 |
+3.35 | +1.57 | 0.9 | 0.4 | 0.0 | 0.2 | -0.9 | 0.6 | 0.5 | 0.4 | 0.5 | -0.1 | 0.3 | 0.3 |
| 2011 |
+1.84 | -1.19 | 0.2 | 0.2 | 0.0 | 1.0 | 0.3 | -0.2 | 0.3 | -0.3 | -1.2 | 1.3 | -0.2 | 0.3 |
| 2010 |
+4.56 | +3.08 | 0.3 | 0.4 | 0.5 | 0.5 | -0.5 | 0.2 | 1.2 | 0.1 | 1.1 | 0.7 | -0.6 | 0.5 |
| 2009 |
+5.43 | +2.54 | -1.7 | -1.4 | 1.5 | 1.4 | 1.3 | 0.0 | 1.5 | 0.9 | 1.2 | -0.2 | 1.3 | -0.4 |
| 2008 |
+1.51 | +1.54 | 1.0 | 0.7 | 0.1 | -0.2 | -0.2 | -0.7 | 0.2 | 0.3 | -0.9 | -2.1 | 1.3 | 2.2 |
| 2007 |
+7.32 | +3.08 | 0.2 | 0.7 | 0.6 | 0.7 | 0.2 | 0.2 | 0.5 | 0.9 | 1.2 | 1.0 | 0.9 | 0.1 |
| 2006 |
+5.96 | +3.35 | 0.8 | 0.1 | 0.2 | 0.5 | -0.5 | 0.2 | 0.8 | 1.0 | 0.5 | 0.9 | 0.9 | 0.3 |
| 2005 |
+3.37 | +0.03 | -0.1 | 0.2 | -0.4 | 0.4 | 0.7 | 0.5 | 0.1 | 0.8 | 0.1 | -0.6 | 0.8 | 0.8 |
| 2004 |
+3.50 | +0.15 | 0.5 | 0.8 | 0.4 | -1.7 | 0.1 | 0.3 | 0.0 | 1.0 | 0.3 | 0.6 | 0.3 | 0.8 |
| 2003 |
+7.36 | +5.22 | -0.1 | 0.4 | 0.1 | 1.3 | 1.4 | 0.4 | -0.5 | 0.5 | 1.2 | 0.5 | 0.3 | 1.7 |
| 2002 |
+5.59 | +3.03 | 0.3 | 0.7 | -0.2 | 1.2 | 0.5 | -0.2 | 0.0 | 1.1 | 0.1 | 0.6 | 0.3 | 1.2 |
| 2001 |
+6.78 | +5.09 | 1.8 | -0.1 | 0.1 | 0.7 | 0.5 | 0.2 | 1.1 | 0.6 | 0.2 | 1.5 | -0.1 | 0.1 |
| 2000 |
+7.31 | +3.75 | -0.7 | 1.0 | 1.2 | -0.5 | -0.1 | 1.6 | 0.5 | 1.3 | 0.3 | 0.2 | 0.5 | 1.7 |
| 1999 |
+5.47 | +2.72 | 0.5 | -1.0 | 1.3 | 1.4 | -0.8 | 0.7 | -0.1 | 0.0 | 0.7 | 0.8 | 0.7 | 1.1 |
| 1998 |
+7.51 | +5.81 | 0.9 | 0.9 | 0.7 | 0.6 | 0.0 | 0.3 | 0.2 | -1.1 | 2.3 | 1.2 | 0.6 | 0.7 |
| 1997 |
+7.18 | +5.39 | 0.5 | 0.3 | -0.7 | 1.0 | 1.6 | 1.2 | 1.6 | -0.7 | 1.5 | -0.3 | 0.3 | 0.8 |
| 1996 |
+6.42 | +2.94 | 1.1 | -0.8 | 0.0 | 0.2 | 0.2 | 0.8 | -0.1 | 0.6 | 1.5 | 1.3 | 1.6 | -0.2 |
| 1995 |
+14.22 | +11.40 | 1.1 | 1.4 | 0.6 | 1.5 | 2.5 | 0.6 | 0.7 | 0.7 | 0.9 | 0.6 | 1.5 | 1.3 |
* Note: Portofolio Returns, up to December 2013, 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:
- VTI - Vanguard Total Stock Market: simulated historical serie, up to December 2001
- EFA - iShares MSCI EAFE: simulated historical serie, up to December 2001
- EEM - iShares MSCI Emerging Markets: simulated historical serie, up to December 2003
- VTV - Vanguard Value: simulated historical serie, up to December 2004
- IJS - iShares S&P Small-Cap 600 Value: simulated historical serie, up to December 2000
- VOE - Vanguard Mid-Cap Value: simulated historical serie, up to December 2006
- 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
- BNDX - Vanguard Total International Bond: simulated historical serie, up to December 2013
- BND - Vanguard Total Bond Market: simulated historical serie, up to December 2007
- EMB - iShares JP Morgan USD Em Mkts Bd: simulated historical serie, up to December 2007
- TIP - iShares TIPS Bond: simulated historical serie, up to December 2003