Data Source: from January 1996 to September 2021
Last Update: 30 September 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 2.63% compound annual return, with a 1.67% standard deviation.
In the last 25 years, a 4.31% compound annual return, with a 2.23% standard deviation.
In 2020, the portfolio granted a 1.36% dividend yield. If you are interested in getting periodic income, please refer to the Betterment Robo Advisor 10 Portfolio: Dividend Yield page.
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 | -0.70 | -0.24 | +0.64 | +2.66 | +3.93 | +2.91 | +2.63 | +3.63 | +4.31 |
| Components | |||||||||
|
VTI Vanguard Total Stock Market |
-4.46 | -0.03 | +8.10 | +32.16 | +16.05 | +16.88 | +16.60 | +10.07 | +9.79 |
|
EFA iShares MSCI EAFE |
-3.26 | -1.10 | +4.22 | +25.44 | +7.53 | +8.64 | +8.13 | +6.44 | +5.10 |
|
EEM iShares MSCI Emerging Markets |
-3.87 | -8.65 | -5.14 | +15.96 | +7.76 | +8.29 | +5.81 | +10.20 | +6.12 |
|
VTV Vanguard Value |
-3.94 | -0.95 | +4.14 | +32.59 | +9.86 | +12.14 | +14.05 | +8.41 | +8.67 |
|
IJS iShares S&P Small-Cap 600 Value |
-1.46 | -4.03 | +0.66 | +66.24 | +8.16 | +11.74 | +14.78 | +10.60 | +10.64 |
|
VOE Vanguard Mid-Cap Value |
-3.79 | -0.23 | +4.44 | +40.42 | +9.85 | +10.81 | +14.13 | +10.63 | +10.68 |
|
SHY iShares 1-3 Year Treasury Bond |
-0.10 | +0.03 | -0.02 | -0.10 | +2.53 | +1.51 | +1.03 | +2.20 | +3.12 |
|
BSV Vanguard Short-Term Bond |
-0.30 | +0.01 | +0.28 | -0.03 | +3.56 | +2.10 | +1.75 | +2.92 | +3.73 |
|
BNDX Vanguard Total International Bond |
-1.08 | -0.03 | +0.15 | -1.08 | +3.98 | +2.63 | +4.08 | +5.06 | +5.33 |
|
BND Vanguard Total Bond Market |
-1.01 | -0.05 | +1.88 | -1.04 | +5.36 | +2.88 | +2.88 | +4.09 | +4.86 |
|
EMB iShares JP Morgan USD Em Mkts Bd |
-2.64 | -1.22 | +3.01 | +3.20 | +5.43 | +3.36 | +5.14 | +8.56 | +9.45 |
|
TIP iShares TIPS Bond |
-0.78 | +1.71 | +4.97 | +4.88 | +7.23 | +4.13 | +2.97 | +4.99 | +5.88 |
- 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 10 Portfolio: Dividend Yield page.
Historical Returns
Betterment Robo Advisor 10 Portfolio - Historical returns and stats.
| Period | Returns Sep 2021 |
Standard Deviation * |
Max Drawdown |
Months Pos - Neg |
|---|---|---|---|---|
|
1M
|
-0.70%
|
-0.70%
Sep 2021 - Sep 2021
|
0 - 1 | |
|
3M
|
-0.24%
|
-0.70%
Sep 2021 - Sep 2021
|
2 - 1 | |
|
6M
|
+0.64%
|
-0.70%
Sep 2021 - Sep 2021
|
5 - 1 | |
|
YTD
|
+0.75%
|
-0.70%
Sep 2021 - Sep 2021
|
6 - 3 | |
|
1Y
|
+2.66%
|
1.72%
|
-0.70%
Sep 2021 - Sep 2021
|
8 - 4 |
|
3Y
|
+3.93%
annualized
|
1.96%
|
-1.19%
Mar 2020 - Mar 2020
|
29 - 7 |
|
5Y
|
+2.91%
annualized
|
1.72%
|
-1.19%
Mar 2020 - Mar 2020
|
46 - 14 |
|
10Y
|
+2.63%
annualized
|
1.67%
|
-1.32%
May 2013 - Jun 2013
|
88 - 32 |
|
20Y
|
+3.63%
annualized
|
2.09%
|
-3.57%
Apr 2008 - Oct 2008
|
183 - 57 |
|
25Y
|
+4.31%
annualized
|
2.23%
|
-3.57%
Apr 2008 - Oct 2008
|
231 - 69 |
|
MAX
01 Jan 1996
|
+4.33%
annualized
|
2.23%
|
-3.57%
Apr 2008 - Oct 2008
|
238 - 71 |
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 |
+7.14% | -23.98% | 0 | 100 | 0 | Compare | |
| All Country World 20/80 |
+6.24% | -14.04% | 20 | 80 | 0 | Compare | |
| Stocks/Bonds 20/80 |
+6.14% | -8.42% | 20 | 80 | 0 | Compare | |
| All Country World Bonds |
+5.81% | -8.82% | 0 | 100 | 0 | Compare | |
| Dimensional Retirement Income Fund DFA |
+5.77% | -12.91% | 20.4 | 79.6 | 0 | Compare | |
Capital Growth
Drawdowns
Rolling Returns ( more details)
Betterment Robo Advisor 10 Portfolio: annualized rolling and average returns
| Return (*) | Negative Periods |
|||
|---|---|---|---|---|
| Rolling Period | Average | Best | Worst | |
| 1 Year |
+4.42% |
+10.64% Aug 1996 - Jul 1997 |
-3.25% Mar 2008 - Feb 2009 |
3.36% |
| 2 Years |
+4.35% |
+8.15% May 1996 - Apr 1998 |
+0.82% Mar 2014 - Feb 2016 |
0.00% |
| 3 Years |
+4.27% |
+7.61% May 1996 - Apr 1999 |
+1.23% Feb 2013 - Jan 2016 |
0.00% |
| 5 Years |
+4.21% |
+7.36% Aug 1996 - Jul 2001 |
+1.45% Nov 2013 - Oct 2018 |
0.00% |
| 7 Years |
+4.16% |
+6.97% Apr 1997 - Mar 2004 |
+1.78% Nov 2011 - Oct 2018 |
0.00% |
| 10 Years |
+4.16% |
+6.15% May 1996 - Apr 2006 |
+2.37% Nov 2010 - Oct 2020 |
0.00% |
| 15 Years |
+4.17% |
+5.74% Jun 1996 - May 2011 |
+3.08% Jan 2004 - Dec 2018 |
0.00% |
| 20 Years |
+4.17% |
+4.77% Aug 1996 - Jul 2016 |
+3.63% Oct 2001 - Sep 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 and Yearly/Monthly Returns
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 % |
0.37 77% |
0.19 77% |
0.29 85% |
0.49 85% |
0.20 65% |
0.30 69% |
0.42 85% |
0.33 77% |
0.40 73% |
0.34 68% |
0.44 80% |
0.52 84% |
| Best Year |
1.8 2001 |
1.0 2000 |
1.5 2009 |
1.4 2020 |
1.6 1997 |
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 2016 |
-0.4 2015 |
For further information about the seasonality, check the Asset Class Seasonality page.
Monthly Returns of Betterment Robo Advisor 10 Portfolio
| Months | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year | Return | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| 2021 |
+0.75% | -0.1 | 0.0 | 0.2 | 0.5 | 0.3 | 0.0 | 0.3 | 0.2 | -0.7 | |||
| 2020 |
+4.71% | 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% | 1.4 | 0.3 | 0.8 | 0.5 | 0.0 | 1.3 | 0.0 | 0.7 | 0.1 | 0.6 | 0.2 | 0.6 |
| 2018 |
+0.02% | 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% | 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% | 0.1 | 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% | 0.7 | 0.2 | 0.1 | 0.3 | 0.0 | -0.4 | 0.2 | -0.8 | 0.0 | 0.7 | -0.2 | -0.4 |
| 2014 |
+1.76% | -0.1 | 0.7 | 0.0 | 0.3 | 0.6 | 0.2 | -0.3 | 0.6 | -0.6 | 0.5 | 0.3 | -0.4 |
| 2013 |
+1.99% | 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% | 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% | 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% | 0.4 | 0.4 | 0.5 | 0.5 | -0.6 | 0.3 | 1.2 | 0.1 | 1.1 | 0.7 | -0.6 | 0.5 |
| 2009 |
+5.43% | -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% | 1.0 | 0.7 | 0.1 | -0.2 | -0.2 | -0.7 | 0.2 | 0.3 | -1.0 | -2.1 | 1.3 | 2.2 |
| 2007 |
+7.32% | 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% | 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% | -0.1 | 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% | 0.5 | 0.8 | 0.4 | -1.7 | 0.1 | 0.3 | 0.0 | 1.0 | 0.3 | 0.6 | 0.3 | 0.9 |
| 2003 |
+7.36% | -0.1 | 0.4 | 0.2 | 1.3 | 1.4 | 0.4 | -0.5 | 0.5 | 1.2 | 0.5 | 0.3 | 1.7 |
| 2002 |
+5.59% | 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% | 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% | -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% | 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% | 0.9 | 0.9 | 0.8 | 0.6 | 0.0 | 0.3 | 0.2 | -1.1 | 2.3 | 1.2 | 0.6 | 0.7 |
| 1997 |
+7.18% | 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% | 1.1 | -0.8 | 0.0 | 0.2 | 0.2 | 0.8 | -0.1 | 0.6 | 1.5 | 1.3 | 1.6 | -0.2 |
* 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