Last Update: 31 January 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 1.65% 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 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

Historical Returns

Betterment Robo Advisor 10 Portfolio - Historical returns and stats.

Returns, capital growth, stats are calculated assuming a rebalancing of the portfolio at the beginning of each year (i.e. at every January 1st).

BETTERMENT ROBO ADVISOR 10 PORTFOLIO
Last Update: 31 January 2020
Swipe left to see all data
Period Returns
Jan 2020
Standard
Deviation *
Max
Drawdown
Months
Pos - Neg
1M
+0.46%
0.00%
1 - 0
3M
+1.23%
0.00%
3 - 0
6M
+2.51%
0.00%
6 - 0
YTD
+0.46%
0.00%
1 - 0
1Y
+5.66%
1.26%
0.00%
12 - 0
3Y
+3.29%
annualized
1.44%
-0.90%
Sep 2018 - Oct 2018
30 - 6
5Y
+2.44%
annualized
1.51%
-1.17%
May 2015 - Dec 2015
44 - 16
10Y
+2.60%
annualized
1.65%
-1.49%
Aug 2011 - Sep 2011
89 - 31
MAX
01 Jan 2008
+2.75%
annualized
2.16%
-3.53%
Apr 2008 - Oct 2008
104 - 41

* Annualized St.Dev. of monthly returns

Best Low Risk Porftolios, ordered by 10Y annualized return.

Portfolio 10Y Return ▾ #ETF Stocks Bonds Comm.
Edge Select Conservative
Merrill Lynch
+4.92% 12 21 79 0
10-year Treasury
+4.53% 1 0 100 0
Dimensional Retirement Income Fund
DFA
+4.36% 7 20.4 79.6 0
Robo Advisor 20
Betterment
+3.95% 12 19.9 80.1 0
Conservative Income
Charles Schwab
+3.55% 6 5 95 0

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns

Betterment Robo Advisor 10 Portfolio: annualized rolling and average returns

Swipe left to see all data
Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+2.72% +9.63%
Mar 2009 - Feb 2010
-3.27%
Mar 2008 - Feb 2009
5.97%
2 Years
+2.64% +6.90%
Mar 2009 - Feb 2011
+0.82%
Mar 2014 - Feb 2016
0.00%
3 Years
+2.54% +5.50%
Mar 2009 - Feb 2012
+1.23%
Feb 2013 - Jan 2016
0.00%
5 Years
+2.40% +4.19%
Mar 2009 - Feb 2014
+1.45%
Nov 2013 - Oct 2018
0.00%
7 Years
+2.40% +3.30%
Nov 2008 - Oct 2015
+1.78%
Nov 2011 - Oct 2018
0.00%
10 Years
+2.62% +2.97%
Mar 2009 - Feb 2019
+2.40%
Mar 2008 - Feb 2018
0.00%

* Annualized rolling and average returns over full calendar month periods

Yearly Returns - Monthly Returns Heatmap

Swipe left to see all data
Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020
+0.46% 0.5
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

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