Last Update: 31 December 2020
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 2.6% compound annual return, with a 1.72% 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 % | JKI | iShares Morningstar 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(*) | |
|---|---|---|---|---|---|---|---|
| Betterment Robo Advisor 10 Portfolio | +0.70 | +1.90 | +2.84 | +4.67 | +3.73 | +3.40 | +2.60 |
| Components | |||||||
| VTI - Vanguard Total Stock Market | +4.68 | +14.75 | +25.36 | +21.03 | +14.45 | +15.44 | +13.77 |
| EFA - iShares MSCI EAFE | +5.01 | +15.74 | +21.02 | +7.59 | +4.21 | +7.49 | +5.37 |
| EEM - iShares MSCI Emerging Markets | +7.14 | +18.41 | +30.55 | +17.03 | +5.42 | +12.26 | +2.95 |
| VTV - Vanguard Value | +3.51 | +14.59 | +21.09 | +2.26 | +6.71 | +10.76 | +11.22 |
| IJS - iShares S&P Small-Cap 600 Value | +7.50 | +32.84 | +35.75 | +2.63 | +3.55 | +10.17 | +10.17 |
| JKI - iShares Morningstar Mid-Cap Value | +2.69 | +20.03 | +25.48 | -4.13 | +2.13 | +8.33 | +10.06 |
| SHY - iShares 1-3 Year Treasury Bond | +0.04 | +0.02 | +0.09 | +3.03 | +2.62 | +1.79 | +1.17 |
| BSV - Vanguard Short-Term Bond | +0.23 | +0.33 | +0.67 | +4.70 | +3.66 | +2.70 | +2.05 |
| BNDX - Vanguard Total International Bond | +0.36 | +1.09 | +2.15 | +4.65 | +5.09 | +4.45 | +4.90 |
| BND - Vanguard Total Bond Market | +0.15 | +0.80 | +1.21 | +7.71 | +5.40 | +4.45 | +3.73 |
| EMB - iShares JP Morgan USD Em Mkts Bd | +2.15 | +5.98 | +8.55 | +5.42 | +4.79 | +6.76 | +5.60 |
| TIP - iShares TIPS Bond | +1.10 | +1.63 | +4.52 | +10.84 | +5.79 | +4.99 | +3.65 |
- 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 Dec 2020 |
Standard Deviation * |
Max Drawdown |
Months Pos - Neg |
|---|---|---|---|---|
|
1M
|
+0.70%
|
0.00%
|
1 - 0 | |
|
3M
|
+1.90%
|
-0.20%
Oct 2020 - Oct 2020
|
2 - 1 | |
|
6M
|
+2.84%
|
-0.47%
Sep 2020 - Oct 2020
|
4 - 2 | |
|
YTD
|
+4.67%
|
2.41%
|
-1.20%
Mar 2020 - Mar 2020
|
9 - 3 |
|
1Y
|
+4.67%
|
2.41%
|
-1.20%
Mar 2020 - Mar 2020
|
9 - 3 |
|
3Y
|
+3.73%
annualized
|
1.98%
|
-1.20%
Mar 2020 - Mar 2020
|
28 - 8 |
|
5Y
|
+3.40%
annualized
|
1.73%
|
-1.20%
Mar 2020 - Mar 2020
|
47 - 13 |
|
10Y
|
+2.60%
annualized
|
1.72%
|
-1.49%
Aug 2011 - Sep 2011
|
88 - 32 |
|
MAX
01 Jan 2008
|
+2.88%
annualized
|
2.19%
|
-3.53%
Apr 2008 - Oct 2008
|
112 - 44 |
* Annualized St.Dev. of monthly returns
Best Low Risk Porftolios, ordered by 10Y annualized return.
| Portfolio | 10Y Return ▾ | Stocks | Bonds | Comm. | ||
|---|---|---|---|---|---|---|
| High Yield Bonds Income |
+6.17% | 0 | 100 | 0 | Compare | |
| World Developed 20/80 |
+5.93% | 20 | 80 | 0 | Compare | |
| Stocks/Bonds 20/80 |
+5.84% | 20 | 80 | 0 | Compare | |
| Total Bond World Developed |
+4.90% | 0 | 100 | 0 | Compare | |
| Edge Select Conservative Merrill Lynch |
+4.78% | 21 | 79 | 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 |
+2.84% |
+9.63% Mar 2009 - Feb 2010 |
-3.27% Mar 2008 - Feb 2009 |
5.52% |
| 2 Years |
+2.79% |
+6.90% Mar 2009 - Feb 2011 |
+0.82% Mar 2014 - Feb 2016 |
0.00% |
| 3 Years |
+2.60% |
+5.50% Mar 2009 - Feb 2012 |
+1.23% Feb 2013 - Jan 2016 |
0.00% |
| 5 Years |
+2.44% |
+4.19% Mar 2009 - Feb 2014 |
+1.45% Nov 2013 - Oct 2018 |
0.00% |
| 7 Years |
+2.41% |
+3.30% Nov 2008 - Oct 2015 |
+1.78% Nov 2011 - Oct 2018 |
0.00% |
| 10 Years |
+2.59% |
+2.97% Mar 2009 - Feb 2019 |
+2.37% Nov 2010 - Oct 2020 |
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
| Months | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return (%) | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| Average | 0.3 | 0.1 | 0.3 | 0.5 | 0.1 | 0.1 | 0.5 | 0.2 | 0.1 | 0.1 | 0.3 | 0.3 |
| Best |
1.4 2019 |
0.7 2008 |
1.5 2009 |
1.4 2020 |
1.3 2009 |
1.3 2019 |
1.5 2009 |
0.9 2009 |
1.2 2009 |
1.3 2011 |
1.4 2020 |
2.2 2008 |
| Worst |
-1.7 2009 |
-1.4 2009 |
-1.2 2020 |
-0.3 2018 |
-0.9 2012 |
-0.7 2008 |
-0.3 2014 |
-0.8 2015 |
-1.2 2011 |
-2.1 2008 |
-0.6 2010 |
-0.4 2015 |
| Gain Frequency |
85 | 85 | 92 | 85 | 54 | 46 | 92 | 69 | 54 | 54 | 69 | 77 |
Detail of Monthly Returns
| Months | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year | Return | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| 2020 |
+4.67% | 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 |
+6.60% | 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 |
+0.03% | 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 |
+3.32% | 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 |
+2.50% | 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 |
+1.74% | -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 |
+2.01% | 0.3 | 0.1 | 0.3 | 0.5 | -0.6 | -0.7 | 0.8 | -0.6 | 1.0 | 0.7 | 0.2 | 0.0 |
| 2012 |
+3.36% | 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 |
+1.82% | 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 |
+4.55% | 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 |
+5.42% | -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 |
+1.52% | 1.0 | 0.7 | 0.1 | -0.2 | -0.2 | -0.7 | 0.2 | 0.4 | -0.9 | -2.1 | 1.3 | 2.2 |
* 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:
BNDX - Vanguard Total International Bond: simulated historical serie, up to December 2013