Data Source: from January 1995 to December 2021

Last Update: 31 December 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 2.50% compound annual return, with a 1.64% standard deviation.

In the last 25 years, a 4.21% compound annual return, with a 2.21% 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 % 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 December 2021
Swipe left to see all data
1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*) 20Y(*) 25Y(*)
Betterment Robo Advisor 10 Portfolio +0.31 +0.13 -0.11 +0.88 +4.04 +3.09 +2.50 +3.56 +4.21
--- Inflation Adjusted return -0.16 -2.03 -3.39 -5.83 +0.49 +0.16 +0.38 +1.22 +1.88
Components
VTI
Vanguard Total Stock Market
+3.79 +9.11 +9.08 +25.67 +25.73 +17.96 +16.29 +9.91 +9.88
EFA
iShares MSCI EAFE
+4.41 +2.84 +1.71 +11.46 +13.53 +9.55 +7.92 +6.26 +5.22
EEM
iShares MSCI Emerging Markets
+1.53 -1.57 -10.09 -3.61 +10.06 +9.16 +4.73 +8.87 +5.94
VTV
Vanguard Value
+6.95 +9.34 +8.31 +26.51 +17.58 +12.48 +13.74 +8.48 +8.66
IJS
iShares S&P Small-Cap 600 Value
+4.12 +4.30 +0.09 +30.53 +18.47 +10.04 +13.33 +9.82 +10.48
VOE
Vanguard Mid-Cap Value
+6.15 +8.30 +8.05 +28.76 +19.09 +11.60 +13.57 +10.46 +10.64
SHY
iShares 1-3 Year Treasury Bond
-0.21 -0.60 -0.57 -0.72 +1.88 +1.47 +0.95 +2.17 +3.01
BSV
Vanguard Short-Term Bond
-0.15 -0.73 -0.72 -1.09 +2.83 +2.20 +1.64 +2.88 +3.61
BNDX
Vanguard Total International Bond
-0.74 -0.14 -0.17 -2.28 +3.32 +3.03 +3.80 +4.96 +5.22
BND
Vanguard Total Bond Market
-0.31 -0.04 -0.08 -1.86 +4.78 +3.54 +2.75 +4.09 +4.73
EMB
iShares JP Morgan USD Em Mkts Bd
+2.16 +0.40 -0.82 -2.24 +5.98 +4.41 +4.59 +7.91 +9.09
TIP
iShares TIPS Bond
+0.40 +2.39 +4.14 +5.67 +8.26 +5.18 +2.93 +5.18 +5.79
(*) 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

Inflation is updated to Dec 2021. Current inflation (annualized) is 1Y: 7.12% , 3Y: 3.53% , 5Y: 2.92% , 10Y: 2.12% , 20Y: 2.31% , 25Y: 2.29%

In 2021, the 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

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

BETTERMENT ROBO ADVISOR 10 PORTFOLIO
Last Update: 31 December 2021
Swipe left to see all data
Period Return
Dec 2021
update
Return
Inflation
Adjusted
Standard
Deviation(*)
Max
Drawdown
Months
Pos - Neg
1M
Dec 2021
+0.31%
-0.16%
0.00%
1 - 0
3M
+0.13%
-2.03%
-0.36%
Nov 2021 - Nov 2021
2 - 1
6M
-0.11%
-3.39%
-0.88%
Sep 2021 - Nov 2021
4 - 2
YTD
+0.88%
-5.83%
1.12%
-0.88%
Sep 2021 - Nov 2021
7 - 5
58% pos
1Y
+0.88%
-5.83%
1.12%
-0.88%
Sep 2021 - Nov 2021
7 - 5
58% pos
3Y
+4.04%
annualized
+0.49%
annualized
1.89%
-1.19%
Mar 2020 - Mar 2020
28 - 8
78% pos
5Y
+3.09%
annualized
+0.16%
annualized
1.67%
-1.19%
Mar 2020 - Mar 2020
46 - 14
77% pos
10Y
+2.50%
annualized
+0.38%
annualized
1.64%
-1.31%
May 2013 - Jun 2013
87 - 33
73% pos
20Y
+3.56%
annualized
+1.22%
annualized
2.08%
-3.55%
Apr 2008 - Oct 2008
182 - 58
76% pos
25Y
+4.21%
annualized
+1.88%
annualized
2.21%
-3.55%
Apr 2008 - Oct 2008
230 - 70
77% pos
MAX
01 Jan 1995
+4.64%
annualized
+2.25%
annualized
2.27%
-3.55%
Apr 2008 - Oct 2008
251 - 73
77% pos
(*)Annualized St.Dev. of monthly returns

Portfolio efficiency

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

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
+6.94% -23.98% 0 100 0 Compare
All Country World 20/80
+6.13% -14.04% 20 80 0 Compare
Stocks/Bonds 20/80
+6.06% -8.42% 20 80 0 Compare
Vanguard LifeStrategy Income Fund
Vanguard
+5.87% -10.54% 20 80 0 Compare
US Inflation Protection
+5.79% -11.79% 0 100 0 Compare

See all portfolios

Our overall ratings, assigned to the Betterment Robo Advisor 10 Portfolio. The 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)
+4.21%
(+1.88%)
Bad : 1.4 / 5
Bad : 1.1 / 5
Standard Deviation
over 25 Years
2.21%
Excellent : 5 / 5
Excellent : 5 / 5
Maximum Drawdown
over 25 Years
-3.55%
Excellent : 5 / 5
Excellent : 5 / 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

Capital Growth

Time Range:

An investment of 1000$, since January 1997, now would be worth 2802.61$, with a total return of 180.26% (4.21% annualized).

The Inflation Adjusted Capital now would be 1591.39$, with a net total return of 59.14% (1.88% annualized).

Drawdowns

Time Range:

Worst drawdowns since January 1997 - Chart and Data

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-3.55% Apr 2008 Oct 2008 7 May 2009 7 14
-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
-1.05% 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
-0.88% Sep 2021 Nov 2021 3 in progress 1 4
-0.85% May 2012 May 2012 1 Jul 2012 2 3
-0.84% May 1999 May 1999 1 Sep 1999 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
-0.61% Sep 2014 Sep 2014 1 Nov 2014 2 3
-0.60% Nov 2010 Nov 2010 1 Jan 2011 2 3
-0.59% Oct 2005 Oct 2005 1 Nov 2005 1 2

Rolling Returns ( more details)

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
+4.58% +14.22%
Jan 1995 - Dec 1995
-3.25%
Mar 2008 - Feb 2009
3.19%
2 Years
+4.50% +10.25%
Jan 1995 - Dec 1996
+0.82%
Mar 2014 - Feb 2016
0.00%
3 Years
+4.43% +9.22%
Jan 1995 - Dec 1997
+1.23%
Feb 2013 - Jan 2016
0.00%
5 Years
+4.33% +8.12%
Jan 1995 - Dec 1999
+1.45%
Nov 2013 - Oct 2018
0.00%
7 Years
+4.29% +7.81%
Jan 1995 - Dec 2001
+1.78%
Nov 2011 - Oct 2018
0.00%
10 Years
+4.27% +7.10%
Jan 1995 - Dec 2004
+2.37%
Nov 2010 - Oct 2020
0.00%
15 Years
+4.30% +6.29%
Jan 1995 - Dec 2009
+3.03%
Dec 2006 - Nov 2021
0.00%
20 Years
+4.27% +5.38%
Jan 1995 - Dec 2014
+3.55%
Dec 2001 - Nov 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

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.

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 %
0.40
78%
0.23
78%
0.30
85%
0.53
85%
0.29
67%
0.31
67%
0.43
85%
0.34
78%
0.41
74%
0.34
70%
0.45
78%
0.54
85%
Best
Year
1.8
2001
1.4
1995
1.5
2009
1.5
1995
2.5
1995
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
2010
-0.4
2015
Statistics calculated for the period Jan 1995 - Dec 2021

For further information about the seasonality, check the Asset Class Seasonality page.

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
251 Positive Months (77%) - 73 Negative Months (23%)
Jan 1995 - Dec 2021
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
2021
+0.88 -5.83 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 +3.36 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 +1.22 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

* 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
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