The Betterment Robo Advisor 100 Portfolio is a Very High Risk portfolio and can be implemented with 6 ETFs.
It's exposed for 100% on the Stock Market.
In the last 30 Years, the Betterment Robo Advisor 100 Portfolio obtained a 8.58% compound annual return, with a 15.40% standard deviation.
Asset Allocation and ETFs
The Betterment Robo Advisor 100 Portfolio has the following asset allocation:
The Betterment Robo Advisor 100 Portfolio can be implemented with the following ETFs:
Weight | Ticker | ETF Name | Investment Themes | |
---|---|---|---|---|
34.60 % | VTI | Vanguard Total Stock Market | Equity, U.S., Large Cap | |
27.30 % | EFA | iShares MSCI EAFE | Equity, EAFE, Large Cap | |
15.00 % | EEM | iShares MSCI Emerging Markets | Equity, Emerging Markets, Large Cap | |
9.20 % | VTV | Vanguard Value | Equity, U.S., Large Cap, Value | |
7.50 % | VOE | Vanguard Mid-Cap Value | Equity, U.S., Mid Cap | |
6.40 % | IJS | iShares S&P Small-Cap 600 Value | Equity, U.S., Small Cap, Value |
Portfolio and ETF Returns
The Betterment Robo Advisor 100 Portfolio guaranteed the following returns.
Portfolio returns are calculated in USD, assuming:
- No fees or capital gain taxes
- a rebalancing of the components at the beginning of each year (at every January 1st). How do returns change with different rebalancing strategies?
- the reinvestment of dividends
Chg (%) | Return (%) | Return (%) as of Jun 30, 2022 |
|||||||
---|---|---|---|---|---|---|---|---|---|
1 Day | Time ET(*) | Jul 2022 | 1M | 6M | 1Y | 5Y(*) | 10Y(*) | 30Y(*) | |
Betterment Robo Advisor 100 Portfolio | -1.28 | -0.69 | -8.12 | -17.83 | -14.85 | 6.44 | 8.97 | 8.58 | |
US Inflation Adjusted return | -8.12 | -21.03 | -20.85 | 2.74 | 6.35 | 5.96 | |||
Components | |||||||||
VTI Vanguard Total Stock Market |
-0.20 |
02:59PM Jul 05 2022 |
0.85 | -8.23 | -21.32 | -14.17 | 10.53 | 12.52 | 9.81 |
EFA iShares MSCI EAFE |
-2.47 |
03:00PM Jul 05 2022 |
-2.24 | -8.72 | -18.78 | -17.39 | 2.23 | 5.36 | 5.01 |
EEM iShares MSCI Emerging Markets |
-1.28 |
03:00PM Jul 05 2022 |
-1.90 | -5.14 | -17.20 | -25.55 | 1.56 | 2.33 | 6.09 |
VTV Vanguard Value |
-1.70 |
02:59PM Jul 05 2022 |
-0.71 | -7.89 | -9.29 | -1.75 | 9.23 | 11.77 | 9.47 |
VOE Vanguard Mid-Cap Value |
-1.49 |
02:59PM Jul 05 2022 |
-0.19 | -10.53 | -13.05 | -6.05 | 7.10 | 11.30 | 10.92 |
IJS iShares S&P Small-Cap 600 Value |
-1.26 |
03:00PM Jul 05 2022 |
-0.17 | -8.96 | -14.31 | -14.23 | 6.57 | 10.79 | 11.03 |
US Inflation is updated to May 2022. Waiting for updates, inflation of Jun 2022 is set to 0%. Current inflation (annualized) is 1Y: 7.57% , 5Y: 3.61% , 10Y: 2.46% , 30Y: 2.47%
Portfolio Dividends
In 2021, the Betterment Robo Advisor 100 Portfolio granted a 2.34% dividend yield. If you are interested in getting periodic income, please refer to the Betterment Robo Advisor 100 Portfolio: Dividend Yield page.
Historical Returns as of Jun 30, 2022
Historical returns and stats of Betterment Robo Advisor 100 Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.
Period | Return (%) as of Jun 2022 |
Return (%) Infl.Adj. |
Standard Deviation (%) |
Max Drawdown (%) |
Months Pos - Neg |
---|---|---|---|---|---|
1M
Jun 2022
|
-8.12
|
-8.12
|
-8.12
Jun 2022 - Jun 2022
|
0 - 1
|
|
3M
|
-13.70
|
-14.82
|
-13.70
Apr 2022 - Jun 2022
|
1 - 2
|
|
6M
|
-17.83
|
-21.03
|
-17.83
Jan 2022 - Jun 2022
|
2 - 4
|
|
YTD
|
-17.83
|
-21.03
|
-17.83
Jan 2022 - Jun 2022
|
2 - 4
|
|
1Y
|
-14.85
|
-20.85
|
13.60
|
-17.83
Jan 2022 - Jun 2022
|
5 - 7
42% pos
|
3Y(*)
|
5.77
|
1.21
|
17.83
|
-24.14
Jan 2020 - Mar 2020
|
22 - 14
61% pos
|
5Y(*)
|
6.44
|
2.74
|
16.29
|
-24.14
Jan 2020 - Mar 2020
|
40 - 20
67% pos
|
10Y(*)
|
8.97
|
6.35
|
13.49
|
-24.14
Jan 2020 - Mar 2020
|
83 - 37
69% pos
|
15Y(*)
|
5.43
|
3.06
|
16.97
|
-54.55
Nov 2007 - Feb 2009
|
113 - 67
63% pos
|
20Y(*)
|
8.12
|
5.54
|
16.06
|
-54.55
Nov 2007 - Feb 2009
|
156 - 84
65% pos
|
25Y(*)
|
7.00
|
4.47
|
16.28
|
-54.55
Nov 2007 - Feb 2009
|
188 - 112
63% pos
|
30Y(*)
|
8.58
|
5.96
|
15.40
|
-54.55
Nov 2007 - Feb 2009
|
230 - 130
64% pos
|
MAX(*)
01 Mar 1987
|
8.94
|
6.02
|
15.73
|
-54.55
Nov 2007 - Feb 2009
|
273 - 151
64% pos
|
Returns and stats are calculated assuming a yearly rebalancing of the components weight. How do returns change with different rebalancing strategies?
Capital Growth as of Jun 30, 2022
The Inflation Adjusted Capital now would be 5685.49$, with a net total return of 468.55% (5.96% annualized).
The Inflation Adjusted Capital now would be 7890.60$, with a net total return of 689.06% (6.02% annualized).
Drawdowns
Drawdown period |
Recovery period |
Total |
||||
---|---|---|---|---|---|---|
Drawdown | Start | Bottom | #Months | End | #Months | #Months |
-54.55% | Nov 2007 | Feb 2009 | 16 | Jan 2013 | 47 | 63 |
-37.03% | Apr 2000 | Sep 2002 | 30 | Oct 2004 | 25 | 55 |
-24.14% | Jan 2020 | Mar 2020 | 3 | Nov 2020 | 8 | 11 |
-20.12% | May 1998 | Aug 1998 | 4 | Mar 1999 | 7 | 11 |
-17.83% | Jan 2022 | Jun 2022 | 6 | in progress | 6 | |
-14.58% | Feb 2018 | Dec 2018 | 11 | Oct 2019 | 10 | 21 |
-13.71% | Jun 2015 | Feb 2016 | 9 | Sep 2016 | 7 | 16 |
-8.30% | Feb 1994 | Mar 1994 | 2 | May 1995 | 14 | 16 |
-6.42% | Aug 1997 | Oct 1997 | 3 | Feb 1998 | 4 | 7 |
-5.24% | Jun 1996 | Jul 1996 | 2 | Sep 1996 | 2 | 4 |
-5.06% | Jan 2000 | Jan 2000 | 1 | Mar 2000 | 2 | 3 |
-5.00% | Mar 2005 | Apr 2005 | 2 | Jul 2005 | 3 | 5 |
-4.63% | May 2006 | May 2006 | 1 | Oct 2006 | 5 | 6 |
-4.57% | Jan 2014 | Jan 2014 | 1 | Feb 2014 | 1 | 2 |
-4.22% | Nov 1993 | Nov 1993 | 1 | Dec 1993 | 1 | 2 |
-3.75% | Sep 2021 | Sep 2021 | 1 | Oct 2021 | 1 | 2 |
-3.70% | Sep 2014 | Sep 2014 | 1 | Feb 2015 | 5 | 6 |
-3.68% | Jun 2007 | Jul 2007 | 2 | Sep 2007 | 2 | 4 |
-3.44% | Oct 2005 | Oct 2005 | 1 | Nov 2005 | 1 | 2 |
-3.30% | Jul 1999 | Sep 1999 | 3 | Oct 1999 | 1 | 4 |
Drawdown period |
Recovery period |
Total |
||||
---|---|---|---|---|---|---|
Drawdown | Start | Bottom | #Months | End | #Months | #Months |
-54.55% | Nov 2007 | Feb 2009 | 16 | Jan 2013 | 47 | 63 |
-37.03% | Apr 2000 | Sep 2002 | 30 | Oct 2004 | 25 | 55 |
-25.33% | Sep 1987 | Nov 1987 | 3 | Jan 1989 | 14 | 17 |
-24.14% | Jan 2020 | Mar 2020 | 3 | Nov 2020 | 8 | 11 |
-20.93% | Jan 1990 | Sep 1990 | 9 | Feb 1991 | 5 | 14 |
-20.12% | May 1998 | Aug 1998 | 4 | Mar 1999 | 7 | 11 |
-17.83% | Jan 2022 | Jun 2022 | 6 | in progress | 6 | |
-14.58% | Feb 2018 | Dec 2018 | 11 | Oct 2019 | 10 | 21 |
-13.71% | Jun 2015 | Feb 2016 | 9 | Sep 2016 | 7 | 16 |
-8.30% | Feb 1994 | Mar 1994 | 2 | May 1995 | 14 | 16 |
-6.42% | Aug 1997 | Oct 1997 | 3 | Feb 1998 | 4 | 7 |
-5.51% | Jun 1991 | Jun 1991 | 1 | Aug 1991 | 2 | 3 |
-5.24% | Jun 1996 | Jul 1996 | 2 | Sep 1996 | 2 | 4 |
-5.07% | Nov 1991 | Nov 1991 | 1 | Dec 1991 | 1 | 2 |
-5.06% | Jan 2000 | Jan 2000 | 1 | Mar 2000 | 2 | 3 |
-5.00% | Mar 2005 | Apr 2005 | 2 | Jul 2005 | 3 | 5 |
-4.63% | May 2006 | May 2006 | 1 | Oct 2006 | 5 | 6 |
-4.57% | Jan 2014 | Jan 2014 | 1 | Feb 2014 | 1 | 2 |
-4.49% | Jun 1992 | Jun 1992 | 1 | Jan 1993 | 7 | 8 |
-4.22% | Nov 1993 | Nov 1993 | 1 | Dec 1993 | 1 | 2 |
Rolling Returns ( more details)
Betterment Robo Advisor 100 Portfolio: annualized rolling and average returns
Rolling Period |
Return (*) | Negative Periods |
||
---|---|---|---|---|
Average (%) | Best (%) | Worst (%) | ||
1 Year |
10.96 |
63.57 Mar 2009 - Feb 2010 |
-46.95 Mar 2008 - Feb 2009 |
24.21% |
2 Years |
10.22 |
41.70 Mar 2009 - Feb 2011 |
-27.26 Mar 2007 - Feb 2009 |
13.72% |
3 Years |
9.70 |
28.55 Apr 2003 - Mar 2006 |
-15.10 Mar 2006 - Feb 2009 |
12.08% |
5 Years |
9.52 |
22.20 Oct 2002 - Sep 2007 |
-3.82 Mar 2004 - Feb 2009 |
6.30% |
7 Years |
9.21 |
19.30 Oct 1990 - Sep 1997 |
0.21 Mar 2002 - Feb 2009 |
0.00% |
10 Years |
8.96 |
16.43 Oct 1990 - Sep 2000 |
0.73 Mar 1999 - Feb 2009 |
0.00% |
15 Years |
8.34 |
12.57 Oct 1990 - Sep 2005 |
4.23 Mar 1994 - Feb 2009 |
0.00% |
20 Years |
8.38 |
12.89 Nov 1987 - Oct 2007 |
4.83 Apr 2000 - Mar 2020 |
0.00% |
If you need a deeper detail about rolling returns, please refer to the Betterment Robo Advisor 100 Portfolio: Rolling Returns page.
Seasonality
Betterment Robo Advisor 100 Portfolio: in which months is it better to invest?
For further information about the seasonality, check the Asset Class Seasonality page.
Monthly Average Return (%) and Gain Frequency | ||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|
Return (%) | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
Average Win % |
0.47 57% |
0.51 60% |
0.83 64% |
2.23 81% |
0.85 69% |
-0.11 56% |
1.29 60% |
-0.40 60% |
-0.29 57% |
0.62 63% |
1.25 69% |
2.59 77% |
Best Year |
8.5 2019 |
9.3 1991 |
9.6 2009 |
12.8 2009 |
9.3 1990 |
6.7 2019 |
9.4 2009 |
5.2 2020 |
9.8 2010 |
11.8 2011 |
12.6 2020 |
13.0 1991 |
Worst Year |
-10.5 2009 |
-10.4 2009 |
-15.6 2020 |
-7.1 2022 |
-8.9 2010 |
-8.8 2008 |
-9.6 2002 |
-16.1 1998 |
-10.9 2001 |
-20.6 1987 |
-7.9 2008 |
-7.7 2018 |
Monthly/Yearly Returns
Betterment Robo Advisor 100 Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?
Yearly Return(%) |
Monthly Return(%) |
|||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Year | Total | Infl.Adj | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
2022 |
-17.83 | -21.03 | -3.7 | -2.5 | 1.3 | -7.1 | 1.1 | -8.1 | ||||||
2021 |
+18.02 | +10.20 | 0.5 | 3.5 | 3.3 | 3.5 | 2.0 | 0.4 | -0.3 | 2.2 | -3.8 | 4.4 | -2.9 | 4.2 |
2020 |
+12.47 | +11.05 | -2.5 | -7.8 | -15.6 | 10.0 | 4.6 | 2.9 | 4.7 | 5.2 | -2.6 | -1.4 | 12.6 | 5.1 |
2019 |
+25.35 | +22.57 | 8.5 | 2.5 | 0.7 | 3.4 | -6.5 | 6.7 | -0.2 | -2.7 | 2.7 | 2.6 | 2.4 | 3.5 |
2018 |
-10.13 | -11.81 | 5.2 | -4.5 | -1.0 | 0.3 | 0.5 | -0.7 | 3.3 | 0.5 | 0.0 | -7.7 | 2.0 | -7.7 |
2017 |
+23.37 | +20.79 | 2.7 | 2.5 | 1.3 | 1.4 | 1.7 | 0.9 | 2.6 | 0.1 | 2.4 | 2.0 | 1.9 | 1.6 |
2016 |
+11.17 | +8.94 | -5.6 | -0.8 | 8.0 | 1.2 | 0.2 | 0.3 | 4.2 | 0.6 | 0.9 | -2.0 | 2.3 | 1.9 |
2015 |
-3.25 | -3.86 | -1.8 | 5.6 | -1.1 | 2.2 | 0.1 | -2.2 | 0.2 | -6.6 | -3.4 | 7.1 | -0.1 | -2.6 |
2014 |
+4.80 | +4.12 | -4.6 | 4.9 | 1.0 | 0.5 | 1.9 | 2.1 | -1.8 | 2.8 | -3.7 | 2.0 | 1.2 | -1.3 |
2013 |
+25.26 | +23.39 | 4.3 | 0.1 | 2.6 | 2.4 | 0.1 | -2.1 | 5.1 | -2.8 | 5.4 | 4.0 | 1.9 | 2.0 |
2012 |
+17.46 | +15.43 | 6.1 | 4.3 | 1.3 | -1.3 | -8.3 | 5.0 | 0.5 | 2.5 | 3.0 | -0.6 | 1.4 | 3.2 |
2011 |
-5.87 | -8.66 | 1.1 | 3.2 | 0.6 | 3.5 | -1.7 | -1.6 | -2.4 | -7.4 | -10.1 | 11.8 | -1.0 | -0.3 |
2010 |
+15.28 | +13.64 | -4.3 | 2.4 | 6.8 | 0.9 | -8.9 | -4.4 | 8.7 | -4.5 | 9.8 | 3.6 | -1.4 | 7.6 |
2009 |
+33.82 | +30.16 | -10.5 | -10.4 | 9.6 | 12.8 | 9.0 | -0.7 | 9.4 | 3.3 | 5.2 | -3.1 | 5.5 | 2.7 |
2008 |
-39.26 | -39.25 | -6.6 | -1.7 | -0.8 | 5.5 | 2.0 | -8.8 | -1.9 | -0.8 | -10.0 | -19.8 | -7.9 | 5.3 |
2007 |
+8.88 | +4.58 | 1.5 | -1.3 | 2.2 | 3.7 | 3.6 | -0.7 | -3.0 | 0.7 | 5.1 | 3.9 | -5.1 | -1.6 |
2006 |
+21.56 | +18.57 | 6.0 | -0.6 | 2.7 | 3.0 | -4.6 | 0.1 | 0.4 | 2.2 | 1.1 | 4.2 | 3.2 | 2.5 |
2005 |
+12.96 | +9.31 | -2.1 | 3.9 | -3.0 | -2.1 | 2.6 | 1.9 | 4.5 | 0.6 | 3.0 | -3.4 | 4.1 | 2.6 |
2004 |
+18.09 | +14.27 | 2.1 | 2.3 | -0.3 | -3.9 | 1.4 | 2.6 | -3.6 | 1.1 | 2.9 | 2.4 | 6.4 | 3.9 |
2003 |
+38.64 | +35.88 | -2.8 | -2.4 | -0.7 | 9.1 | 6.8 | 2.3 | 2.9 | 3.5 | 0.2 | 6.9 | 2.0 | 6.1 |
2002 |
-16.20 | -18.23 | -1.6 | 0.0 | 4.9 | -1.3 | -0.7 | -5.8 | -9.6 | 0.4 | -10.4 | 5.9 | 6.3 | -4.0 |
2001 |
-10.62 | -12.03 | 3.8 | -7.4 | -6.6 | 7.8 | 0.1 | -2.3 | -2.5 | -3.8 | -10.9 | 2.9 | 6.5 | 3.0 |
2000 |
-8.25 | -11.30 | -5.1 | 1.5 | 4.9 | -4.3 | -2.7 | 2.8 | -2.0 | 4.6 | -3.6 | -1.8 | -6.7 | 4.7 |
1999 |
+29.44 | +26.07 | 1.1 | -2.5 | 5.0 | 7.4 | -2.4 | 5.2 | -1.4 | -0.7 | -1.2 | 4.4 | 4.0 | 8.1 |
1998 |
+11.29 | +9.53 | -0.2 | 7.6 | 4.3 | 0.6 | -3.3 | 0.0 | -1.7 | -16.1 | 4.1 | 8.7 | 5.4 | 3.6 |
1997 |
+15.46 | +13.53 | 2.5 | 1.1 | -3.0 | 2.1 | 6.8 | 4.3 | 4.9 | -5.4 | 5.4 | -6.1 | 1.3 | 1.6 |
1996 |
+15.79 | +12.01 | 3.0 | 0.7 | 1.6 | 2.7 | 1.2 | -0.3 | -4.9 | 2.5 | 3.6 | 0.5 | 5.3 | -0.8 |
1995 |
+21.40 | +18.41 | -1.5 | 1.1 | 3.0 | 3.2 | 2.6 | 1.1 | 4.3 | -0.3 | 2.4 | -2.2 | 3.5 | 2.5 |
1994 |
-0.71 | -3.22 | 5.6 | -3.2 | -5.2 | 2.5 | 0.7 | -1.2 | 2.6 | 4.1 | -2.6 | 1.8 | -5.0 | 0.0 |
1993 |
+31.23 | +27.64 | 3.3 | 1.8 | 6.0 | 2.2 | 1.4 | 1.4 | 2.4 | 4.7 | -1.0 | 3.3 | -4.2 | 6.7 |
1992 |
+2.17 | -0.77 | 0.3 | -0.5 | -3.0 | 1.7 | 4.5 | -4.5 | 2.5 | -0.8 | -0.8 | -0.4 | 2.6 | 0.9 |
1991 |
+38.61 | +34.59 | 4.5 | 9.3 | 0.1 | 1.5 | 4.6 | -5.5 | 4.0 | 3.3 | 1.5 | 3.5 | -5.1 | 13.0 |
1990 |
-12.28 | -17.44 | -6.0 | -1.0 | -1.8 | -3.1 | 9.3 | 0.1 | 2.2 | -11.7 | -9.6 | 6.0 | 2.0 | 2.6 |
1989 |
+33.54 | +27.62 | 6.2 | 0.7 | -0.5 | 4.4 | 2.8 | -1.4 | 7.1 | 3.3 | 3.5 | -3.7 | 2.8 | 4.6 |
1988 |
+24.10 | +18.86 | 6.9 | 5.4 | 0.0 | 1.5 | -0.9 | 4.7 | -0.3 | -3.3 | 3.3 | 2.6 | 0.9 | 1.5 |
1987 |
- | - | 1.1 | 2.2 | -0.9 | 1.3 | 4.3 | 4.6 | -1.9 | -20.6 | -4.1 | 4.2 |
Portofolio Returns, up to December 2006, 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
- VOE - Vanguard Mid-Cap Value: simulated historical serie, up to December 2006
- IJS - iShares S&P Small-Cap 600 Value: simulated historical serie, up to December 2000
Portfolio efficiency
Is the Betterment Robo Advisor 100 Portfolio actually efficient, compared to other Lazy Portfolios?
Overall Ratings
The Betterment Robo Advisor 100 Portfolio is classified as Very High Risk.
Less than 25%
25% - 49.99%
50% - 74.99%
At least 75%
Very High Risk Portfolios |
All Portfolios |
||
---|---|---|---|
25 Years Ann. Return (Inflation Adjusted) |
+7.00%
(+4.47%) |
Poor : 1 / 5
|
Average : 2.8 / 5
|
Standard Deviation over 25 Years |
16.28% |
Average : 2.8 / 5
|
Bad : 1.9 / 5
|
Maximum Drawdown over 25 Years |
-54.55% |
Average : 2.4 / 5
|
Bad : 1.4 / 5
|
Easy to manage | 6 ETFs |
Average : 2.5 / 5
|
Average : 2.5 / 5
|
Rating assigned considering all the Very High Risk Portfolios | Rating assigned considering all the Portfolios in the database |
Best Classic Portfolios, with Very High Risk
30 Years Stats (%) |
% Allocation |
|||||||
---|---|---|---|---|---|---|---|---|
Portfolio | Jul 2022 | Return▾ | Drawdown | Stocks | Bonds | Comm | ||
Technology |
+1.92 | +13.42 | -81.08 | 100 | 0 | 0 | ||
US Stocks |
+0.85 | +9.81 | -50.84 | 100 | 0 | 0 | ||
Warren Buffett Portfolio Warren Buffett |
+0.84 | +9.38 | -45.52 | 90 | 10 | 0 | ||
Aggressive Global Income |
-0.51 | +9.37 | -52.63 | 80 | 20 | 0 | ||
Stocks/Bonds 80/20 |
+0.89 | +9.06 | -41.09 | 80 | 20 | 0 |
Last update: Jul 05 2022, 03:00PM Eastern Time.