Last Update: 31 March 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 2.56% compound annual return, with a 1.73% 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:

9.9% Stocks
90.1% Fixed Income
0% Commodities

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
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.

BETTERMENT ROBO ADVISOR 10 PORTFOLIO RETURNS (%)
Last Update: 31 March 2021
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*)
Betterment Robo Advisor 10 Portfolio +0.18 +0.11 +2.01 +5.55 +3.89 +3.13 +2.56
Components
VTI - Vanguard Total Stock Market +3.65 +6.54 +22.26 +62.90 +17.17 +16.69 +13.80
EFA - iShares MSCI EAFE +2.51 +3.99 +20.36 +45.32 +5.89 +8.92 +5.45
EEM - iShares MSCI Emerging Markets -0.73 +3.23 +22.24 +58.83 +5.68 +11.59 +3.05
VTV - Vanguard Value +6.66 +11.11 +27.32 +51.62 +11.41 +12.73 +11.64
IJS - iShares S&P Small-Cap 600 Value +5.61 +24.32 +65.15 +104.15 +11.88 +13.92 +11.91
VOE - Vanguard Mid-Cap Value +6.17 +13.84 +34.44 +69.88 +9.89 +11.66 +11.32
SHY - iShares 1-3 Year Treasury Bond -0.06 -0.09 -0.07 +0.21 +2.64 +1.58 +1.17
BSV - Vanguard Short-Term Bond -0.19 -0.64 -0.32 +1.68 +3.63 +2.25 +1.98
BNDX - Vanguard Total International Bond -0.01 -2.29 -1.22 +2.68 +3.99 +3.28 +4.56
BND - Vanguard Total Bond Market -1.27 -3.64 -2.86 +1.56 +4.67 +3.08 +3.32
EMB - iShares JP Morgan USD Em Mkts Bd -0.73 -5.47 +0.18 +17.25 +3.64 +4.51 +4.96
TIP - iShares TIPS Bond -0.26 -1.68 -0.09 +7.61 +5.50 +3.71 +3.28
(*) annualized
Portfolio returns are calculated assuming:
  • 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.

BETTERMENT ROBO ADVISOR 10 PORTFOLIO
Last Update: 31 March 2021
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Period Returns
Mar 2021
Standard
Deviation *
Max
Drawdown
Months
Pos - Neg
1M
+0.18%
0.00%
1 - 0
3M
+0.11%
-0.07%
Jan 2021 - Feb 2021
1 - 2
6M
+2.01%
-0.20%
Oct 2020 - Oct 2020
3 - 3
YTD
+0.11%
-0.07%
Jan 2021 - Feb 2021
1 - 2
1Y
+5.55%
1.87%
-0.47%
Sep 2020 - Oct 2020
8 - 4
3Y
+3.89%
annualized
1.92%
-1.19%
Mar 2020 - Mar 2020
27 - 9
5Y
+3.13%
annualized
1.70%
-1.19%
Mar 2020 - Mar 2020
45 - 15
10Y
+2.56%
annualized
1.73%
-1.49%
Aug 2011 - Sep 2011
86 - 34
MAX
01 Jan 2008
+2.83%
annualized
2.17%
-3.57%
Apr 2008 - Oct 2008
113 - 46

* 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
+5.66% 0 100 0 Compare
Stocks/Bonds 20/80
+5.52% 20 80 0 Compare
Developed World 20/80
+5.03% 20 80 0 Compare
Edge Select Conservative
Merrill Lynch
+4.66% 21 79 0 Compare
Total Bond Developed World
+4.56% 0 100 0 Compare

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns ( more details)

Betterment Robo Advisor 10 Portfolio: annualized rolling and average returns

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Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+2.88% +9.62%
Mar 2009 - Feb 2010
-3.25%
Mar 2008 - Feb 2009
5.41%
2 Years
+2.83% +6.90%
Mar 2009 - Feb 2011
+0.82%
Mar 2014 - Feb 2016
0.00%
3 Years
+2.63% +5.50%
Mar 2009 - Feb 2012
+1.23%
Feb 2013 - Jan 2016
0.00%
5 Years
+2.47% +4.18%
Mar 2009 - Feb 2014
+1.45%
Nov 2013 - Oct 2018
0.00%
7 Years
+2.42% +3.30%
Nov 2008 - Oct 2015
+1.78%
Nov 2011 - Oct 2018
0.00%
10 Years
+2.59% +2.96%
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

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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
2013
-0.3
2014
-0.8
2015
-1.2
2011
-2.1
2008
-0.6
2016
-0.4
2015
Gain
Frequency
79 79 93 85 54 46 92 69 54 54 69 77

Detail of Monthly Returns

Swipe left to see all data
Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021
+0.11% -0.1 0.0 0.2
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

* 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

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