Last Update: 31 May 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 2.59% compound annual return, with a 1.73% standard deviation.

In 2019, the portfolio granted a 2.45% 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 % 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.

BETTERMENT ROBO ADVISOR 10 PORTFOLIO RETURNS (%)
Last Update: 31 May 2020
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*)
Betterment Robo Advisor 10 Portfolio +0.63 +0.81 +1.92 +4.76 +3.09 +2.49 +2.59
Components
VTI - Vanguard Total Stock Market +5.40 +2.65 -2.97 +11.28 +9.52 +9.14 +12.78
EFA - iShares MSCI EAFE +5.43 -4.18 -11.55 -2.83 -0.42 +0.70 +5.24
EEM - iShares MSCI Emerging Markets +2.97 -6.89 -9.43 -4.64 -0.61 +0.51 +2.00
VTV - Vanguard Value +2.88 -3.08 -12.43 +0.08 +4.80 +6.16 +10.74
IJS - iShares S&P Small-Cap 600 Value +2.55 -13.30 -24.94 -14.11 -3.46 +1.41 +8.08
JKI - iShares Morningstar Mid-Cap Value +3.61 -11.09 -22.74 -12.59 -2.72 +2.04 +8.83
SHY - iShares 1-3 Year Treasury Bond -0.08 +1.44 +3.08 +4.44 +2.52 +1.72 +1.24
BSV - Vanguard Short-Term Bond +0.56 +1.81 +3.90 +5.92 +3.31 +2.49 +2.15
BNDX - Vanguard Total International Bond +0.41 -0.65 +1.59 +5.21 +4.60 +4.03 +4.92
BND - Vanguard Total Bond Market +0.67 +1.97 +5.64 +9.75 +5.18 +4.02 +3.79
EMB - iShares JP Morgan USD Em Mkts Bd +6.27 -5.66 -2.91 +1.31 +2.14 +3.84 +5.30
TIP - iShares TIPS Bond +0.65 +1.88 +5.38 +8.06 +4.31 +3.27 +3.41
(*) 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 May 2020
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Period Returns
May 2020
Standard
Deviation *
Max
Drawdown
Months
Pos - Neg
1M
+0.63%
0.00%
1 - 0
3M
+0.81%
-1.20%
Mar 2020 - Mar 2020
2 - 1
6M
+1.92%
-1.20%
Mar 2020 - Mar 2020
5 - 1
YTD
+1.30%
-1.20%
Mar 2020 - Mar 2020
4 - 1
1Y
+4.76%
2.25%
-1.20%
Mar 2020 - Mar 2020
11 - 1
3Y
+3.09%
annualized
1.81%
-1.20%
Mar 2020 - Mar 2020
29 - 7
5Y
+2.49%
annualized
1.73%
-1.20%
Mar 2020 - Mar 2020
44 - 16
10Y
+2.59%
annualized
1.73%
-1.49%
Aug 2011 - Sep 2011
89 - 31
MAX
01 Jan 2008
+2.74%
annualized
2.19%
-3.53%
Apr 2008 - Oct 2008
107 - 42

* Annualized St.Dev. of monthly returns

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

Portfolio 10Y Return ▾ #ETF Stocks Bonds Comm.
High Yield Bonds Income
+6.14% 4 0 100 0 Compare
10-year Treasury
+4.88% 1 0 100 0 Compare
Edge Select Conservative
Merrill Lynch
+4.71% 12 21 79 0 Compare
Dimensional Retirement Income Fund
DFA
+4.23% 7 20.4 79.6 0 Compare
Robo Advisor 20
Betterment
+3.74% 12 19.9 80.1 0 Compare

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns

Betterment Robo Advisor 10 Portfolio: annualized rolling and average returns

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Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+2.77% +9.63%
Mar 2009 - Feb 2010
-3.27%
Mar 2008 - Feb 2009
5.80%
2 Years
+2.67% +6.90%
Mar 2009 - Feb 2011
+0.82%
Mar 2014 - Feb 2016
0.00%
3 Years
+2.56% +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
+2.39% +3.30%
Nov 2008 - Oct 2015
+1.78%
Nov 2011 - Oct 2018
0.00%
10 Years
+2.60% +2.97%
Mar 2009 - Feb 2019
+2.38%
Apr 2010 - Mar 2020
0.00%

* Annualized rolling and average returns over full calendar month periods

Yearly Returns - Monthly Returns Heatmap

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Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020
+1.30% 0.5 0.0 -1.2 1.4 0.6
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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