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:
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.
| 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 |
- 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.
| 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 |
Capital Growth
Drawdowns
Rolling Returns
Betterment Robo Advisor 10 Portfolio: annualized rolling and average returns
| 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
| 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