Data Source: from January 1992 to June 2022
Consolidated Returns as of 30 June 2022
Live Update: Jul 05 2022, 01:00PM Eastern Time
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.21%
1 Day
Jul 05 2022, 01:00PM Eastern Time
0.22%
Current Month
July 2022

The Betterment Robo Advisor 10 Portfolio is a Low Risk portfolio and can be implemented with 12 ETFs.

It's exposed for 9.9% on the Stock Market.

In the last 30 Years, the Betterment Robo Advisor 10 Portfolio obtained a 4.40% compound annual return, with a 2.45% standard deviation.

Asset Allocation and ETFs

The Betterment Robo Advisor 10 Portfolio has the following asset allocation:

9.9% Stocks
90.1% Fixed Income
0% Commodities

The Betterment Robo Advisor 10 Portfolio can be implemented 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
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 10 Portfolio guaranteed the following returns.

According to the available data source, let's assume we built the portfolio on January 1992.

Portfolio returns are calculated in USD, assuming: July 2022 return is calculated on the hypothesis of a newly built portfolio, with the starting asset allocation.
BETTERMENT ROBO ADVISOR 10 PORTFOLIO RETURNS
Consolidated returns as of 30 June 2022
Live Update: Jul 05 2022, 01:00PM Eastern Time
Swipe left to see all data
  Chg (%) Return (%)
Return (%) as of Jun 30, 2022
  1 Day Time ET(*) Jul 2022 1M 6M 1Y 5Y(*) 10Y(*) 30Y(*)
Betterment Robo Advisor 10 Portfolio -0.21 0.22 -1.59 -5.92 -6.02 1.46 1.74 4.40
US Inflation Adjusted return -1.59 -9.58 -12.63 -2.07 -0.70 1.88
Components
VTI
Vanguard Total Stock Market
-1.39 12:59PM
Jul 05 2022
-0.35 -8.23 -21.32 -14.17 10.53 12.52 9.81
EFA
iShares MSCI EAFE
-3.35 12:59PM
Jul 05 2022
-3.12 -8.72 -18.78 -17.39 2.23 5.36 5.01
EEM
iShares MSCI Emerging Markets
-2.07 12:59PM
Jul 05 2022
-2.68 -5.14 -17.20 -25.55 1.56 2.33 6.09
VTV
Vanguard Value
-2.59 12:59PM
Jul 05 2022
-1.60 -7.89 -9.29 -1.75 9.23 11.77 9.47
IJS
iShares S&P Small-Cap 600 Value
-2.16 12:59PM
Jul 05 2022
-1.08 -8.96 -14.31 -14.23 6.57 10.79 11.03
VOE
Vanguard Mid-Cap Value
-2.48 12:56PM
Jul 05 2022
-1.19 -10.53 -13.05 -6.05 7.10 11.30 10.92
SHY
iShares 1-3 Year Treasury Bond
0.02 12:59PM
Jul 05 2022
0.33 -0.59 -2.99 -3.55 0.78 0.65 3.26
BSV
Vanguard Short-Term Bond
0.16 12:59PM
Jul 05 2022
0.60 -0.86 -4.52 -5.21 1.03 1.06 3.77
BNDX
Vanguard Total International Bond
-0.09 12:58PM
Jul 05 2022
0.54 -1.72 -9.84 -10.00 0.81 2.34 5.36
BND
Vanguard Total Bond Market
0.28 12:59PM
Jul 05 2022
1.08 -1.66 -10.35 -10.42 0.84 1.40 4.63
EMB
iShares JP Morgan USD Em Mkts Bd
-1.00 01:00PM
Jul 05 2022
0.39 -6.15 -20.28 -20.94 -1.34 1.59 9.35
TIP
iShares TIPS Bond
-0.09 01:00PM
Jul 05 2022
1.52 -3.11 -9.04 -5.27 3.04 1.57 5.80
(*) Returns over 1 year are annualized
(*) Eastern Time (ET - America/New York)

US Inflation is updated to May 2022. Waiting for updates, inflation of Jun 2022 is set to 0%. Current inflation (annualized) is 1Y: 7.57% , 5Y: 3.61% , 10Y: 2.46% , 30Y: 2.47%

Portfolio Dividends

In 2021, the Betterment Robo Advisor 10 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 as of Jun 30, 2022

Historical returns and stats of Betterment Robo Advisor 10 Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

BETTERMENT ROBO ADVISOR 10 PORTFOLIO
Consolidated returns as of 30 June 2022
Data Source: from January 1992 to June 2022
Swipe left to see all data
Period Return (%)
as of Jun 2022
Return (%)
Infl.Adj.
Standard
Deviation (%)
Max
Drawdown (%)
Months
Pos - Neg
1M
Jun 2022
-1.59
-1.59
-1.59
Jun 2022 - Jun 2022
0 - 1
3M
-2.65
-3.91
-2.65
Apr 2022 - Jun 2022
1 - 2
6M
-5.92
-9.58
-5.92
Jan 2022 - Jun 2022
1 - 5
YTD
-5.92
-9.58
-5.92
Jan 2022 - Jun 2022
1 - 5
1Y
-6.02
-12.63
2.71
-6.46
Sep 2021 - Jun 2022
5 - 7
42% pos
3Y(*)
0.48
-3.86
2.55
-6.46
Sep 2021 - Jun 2022
23 - 13
64% pos
5Y(*)
1.46
-2.07
2.27
-6.46
Sep 2021 - Jun 2022
42 - 18
70% pos
10Y(*)
1.74
-0.70
1.92
-6.46
Sep 2021 - Jun 2022
83 - 37
69% pos
15Y(*)
2.44
0.14
2.29
-6.46
Sep 2021 - Jun 2022
126 - 54
70% pos
20Y(*)
3.13
0.66
2.22
-6.46
Sep 2021 - Jun 2022
179 - 61
75% pos
25Y(*)
3.80
1.34
2.30
-6.46
Sep 2021 - Jun 2022
226 - 74
75% pos
30Y(*)
4.40
1.88
2.45
-6.46
Sep 2021 - Jun 2022
273 - 87
76% pos
MAX(*)
01 Jan 1992
4.41
1.89
2.46
-6.46
Sep 2021 - Jun 2022
277 - 89
76% pos
(*) Returns over 1 year are annualized

Returns and stats are calculated assuming a yearly rebalancing of the components weight. How do returns change with different rebalancing strategies?

Capital Growth as of Jun 30, 2022

An investment of 1000$, since July 1992, now would be worth 3640.62$, with a total return of 264.06% (4.40% annualized).

The Inflation Adjusted Capital now would be 1749.90$, with a net total return of 74.99% (1.88% annualized).
An investment of 1000$, since January 1992, now would be worth 3729.72$, with a total return of 272.97% (4.41% annualized).

The Inflation Adjusted Capital now would be 1768.42$, with a net total return of 76.84% (1.89% annualized).

Drawdowns

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-6.46% Sep 2021 Jun 2022 10 in progress 10
-3.55% Apr 2008 Oct 2008 7 May 2009 7 14
-3.17% Feb 1994 Jun 1994 5 Feb 1995 8 13
-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
-1.12% Oct 1992 Oct 1992 1 Dec 1992 2 3
-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
-0.85% May 2012 May 2012 1 Jul 2012 2 3
-0.84% May 1999 May 1999 1 Sep 1999 4 5
-0.77% Feb 1996 Feb 1996 1 Jun 1996 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
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-6.46% Sep 2021 Jun 2022 10 in progress 10
-3.55% Apr 2008 Oct 2008 7 May 2009 7 14
-3.17% Feb 1994 Jun 1994 5 Feb 1995 8 13
-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
-1.12% Oct 1992 Oct 1992 1 Dec 1992 2 3
-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
-0.94% Jan 1992 Mar 1992 3 Apr 1992 1 4
-0.91% Sep 2018 Oct 2018 2 Jan 2019 3 5
-0.85% May 2012 May 2012 1 Jul 2012 2 3
-0.84% May 1999 May 1999 1 Sep 1999 4 5
-0.77% Feb 1996 Feb 1996 1 Jun 1996 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

Rolling Returns ( more details)

Betterment Robo Advisor 10 Portfolio: annualized rolling and average returns

Swipe left to see all data
Rolling
Period
Return (*) Negative
Periods
Average (%) Best (%) Worst (%)
1 Year
4.67 14.22
Jan 1995 - Dec 1995
-6.02
Jul 2021 - Jun 2022
5.07%
2 Years
4.64 10.43
Dec 1994 - Nov 1996
-1.20
Jul 2020 - Jun 2022
0.87%
3 Years
4.65 9.22
Jan 1995 - Dec 1997
0.48
Jul 2019 - Jun 2022
0.00%
5 Years
4.62 8.12
Jan 1995 - Dec 1999
1.45
Nov 2013 - Oct 2018
0.00%
7 Years
4.58 7.81
Dec 1994 - Nov 2001
1.55
Jul 2015 - Jun 2022
0.00%
10 Years
4.58 7.22
May 1992 - Apr 2002
1.74
Jul 2012 - Jun 2022
0.00%
15 Years
4.61 6.56
Apr 1992 - Mar 2007
2.44
Jul 2007 - Jun 2022
0.00%
20 Years
4.58 5.94
Apr 1992 - Mar 2012
3.13
Jul 2002 - Jun 2022
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: in which months is it better to invest?

Both the Average Return and the Gain Frequency (Win %) are useful to get an idea of what happened in the past.

For further information about the seasonality, check the Asset Class Seasonality page.
Swipe left to see all data
Monthly Average Return (%) and Gain Frequency
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average
Win %
0.38
74%
0.18
74%
0.18
77%
0.46
81%
0.32
68%
0.28
65%
0.51
87%
0.41
80%
0.39
73%
0.31
70%
0.36
73%
0.59
87%
Best
Year
1.8
2001
1.4
1993
1.5
2009
1.5
1995
2.5
1995
1.6
2000
1.8
1992
1.7
1993
2.3
1998
1.5
2001
1.6
1996
2.2
2008
Worst
Year
-1.7
2009
-1.4
1994
-1.6
1994
-1.7
2004
-0.9
2012
-1.6
2022
-0.5
2003
-1.1
1998
-1.2
2011
-2.1
2008
-0.9
1994
-0.4
2015
Statistics calculated for the period Jan 1992 - Jun 2022

Monthly/Yearly Returns

Betterment Robo Advisor 10 Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
277 Positive Months (76%) - 89 Negative Months (24%)
Jan 1992 - Jun 2022
Swipe left to see all data
Yearly Return(%)
Monthly Return(%)
Year Total Infl.Adj Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2022
-5.92 -9.58 -1.2 -0.8 -1.3 -1.7 0.6 -1.6
2021
+0.88 -5.80 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 +3.39 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 +1.19 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
1994
-1.25 -3.75 1.2 -1.4 -1.6 -0.2 0.1 -0.1 1.2 0.6 -0.6 0.4 -0.9 0.1
1993
+10.54 +7.52 1.7 1.4 0.9 1.0 -0.1 1.2 0.5 1.7 0.2 0.7 -0.6 1.5
1992
+6.61 +3.54 -0.6 0.2 -0.6 1.0 1.8 0.7 1.8 0.9 0.9 -1.1 0.2 1.4

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

Portfolio efficiency

Is the Betterment Robo Advisor 10 Portfolio actually efficient, compared to other Lazy Portfolios?

Overall Ratings

The Betterment Robo Advisor 10 Portfolio is classified as Low Risk.

Very High Risk
Bond weight:
Less than 25%
High Risk
Bond weight:
25% - 49.99%
Medium Risk
Bond weight:
50% - 74.99%
Low Risk
Bond weight:
At least 75%
Low Risk
Portfolios
All
Portfolios
25 Years Ann. Return
(Inflation Adjusted)
+3.80%
(+1.34%)
Poor : 1 / 5
Poor : 1 / 5
Standard Deviation
over 25 Years
2.30%
Excellent : 5 / 5
Excellent : 5 / 5
Maximum Drawdown
over 25 Years
-6.46%
Excellent : 4.4 / 5
Excellent : 4.9 / 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

Best Classic Portfolios, with Low Risk

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30 Years Stats (%)
% Allocation
Portfolio Jul 2022 Return Drawdown Stocks Bonds Comm
High Yield Bonds Income
+0.65 +6.91 -23.97 0 100 0
All Country World 20/80
+0.34 +6.10 -14.04 20 80 0
Stocks/Bonds 20/80
+0.80 +5.93 -12.54 20 80 0
US Inflation Protection
+1.52 +5.80 -11.79 0 100 0
Dimensional Retirement Income Fund
DFA
+0.89 +5.79 -12.91 20.4 79.6 0

See all portfolios

Jul 2022 return refers to period 01-05 July 2022.
Last update: Jul 05 2022, 01:00PM Eastern Time.
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