Data Source: from March 1987 to September 2021

Last Update: 30 September 2021

The Betterment Robo Advisor 100 Portfolio is exposed for 100% on the Stock Market.

It's a Very High Risk portfolio and it can be replicated with 6 ETFs.

In the last 10 years, the portfolio obtained a 12.31% compound annual return, with a 13.68% standard deviation.

In the last 25 years, a 8.39% compound annual return, with a 16.14% standard deviation.

In 2020, the portfolio granted a 1.94% dividend yield. If you are interested in getting periodic income, please refer to the Betterment Robo Advisor 100 Portfolio: Dividend Yield page.

Asset Allocation and ETFs

The Betterment Robo Advisor 100 Portfolio has the following asset allocation:

100% Stocks
0% Fixed Income
0% Commodities

The Betterment Robo Advisor 100 Portfolio can be replicated 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
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 100 Portfolio guaranteed the following returns.

BETTERMENT ROBO ADVISOR 100 PORTFOLIO RETURNS (%)
Last Update: 30 September 2021
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*) 20Y(*) 25Y(*)
Betterment Robo Advisor 100 Portfolio -3.75 -1.92 +3.95 +30.37 +11.02 +12.27 +12.31 +9.29 +8.39
Components
VTI
Vanguard Total Stock Market
-4.46 -0.03 +8.10 +32.16 +16.05 +16.88 +16.60 +10.07 +9.79
EFA
iShares MSCI EAFE
-3.26 -1.10 +4.22 +25.44 +7.53 +8.64 +8.13 +6.44 +5.10
EEM
iShares MSCI Emerging Markets
-3.87 -8.65 -5.14 +15.96 +7.76 +8.29 +5.81 +10.20 +6.12
VTV
Vanguard Value
-3.94 -0.95 +4.14 +32.59 +9.86 +12.14 +14.05 +8.41 +8.67
VOE
Vanguard Mid-Cap Value
-3.79 -0.23 +4.44 +40.42 +9.85 +10.81 +14.13 +10.63 +10.68
IJS
iShares S&P Small-Cap 600 Value
-1.46 -4.03 +0.66 +66.24 +8.16 +11.74 +14.78 +10.60 +10.64
(*) 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 100 Portfolio: Dividend Yield page.

Historical Returns

Betterment Robo Advisor 100 Portfolio - Historical returns and stats.

BETTERMENT ROBO ADVISOR 100 PORTFOLIO
Last Update: 30 September 2021
Swipe left to see all data
Period Returns
Sep 2021
Standard
Deviation *
Max
Drawdown
Months
Pos - Neg
1M
-3.75%
-3.75%
Sep 2021 - Sep 2021
0 - 1
3M
-1.92%
-3.75%
Sep 2021 - Sep 2021
1 - 2
6M
+3.95%
-3.75%
Sep 2021 - Sep 2021
4 - 2
YTD
+11.70%
-3.75%
Sep 2021 - Sep 2021
7 - 2
1Y
+30.37%
13.49%
-3.75%
Sep 2021 - Sep 2021
9 - 3
3Y
+11.02%
annualized
18.66%
-24.13%
Jan 2020 - Mar 2020
24 - 12
5Y
+12.27%
annualized
15.04%
-24.13%
Jan 2020 - Mar 2020
44 - 16
10Y
+12.31%
annualized
13.68%
-24.13%
Jan 2020 - Mar 2020
84 - 36
20Y
+9.29%
annualized
15.91%
-54.55%
Nov 2007 - Feb 2009
157 - 83
25Y
+8.39%
annualized
16.14%
-54.55%
Nov 2007 - Feb 2009
191 - 109
MAX
01 Mar 1987
+9.58%
annualized
15.70%
-54.55%
Nov 2007 - Feb 2009
269 - 146
* Annualized St.Dev. of monthly returns

Best Classic Portfolios, with Very High Risk, ordered by 25 Years annualized return.

25 Years Stats
% Allocation
Portfolio Return Drawdown Stocks Bonds Comm.
Technology
+13.30% -81.08% 100 0 0 Compare
US Stocks
+9.79% -50.84% 100 0 0 Compare
Warren Buffett
+9.32% -45.53% 90 10 0 Compare
Aggressive Global Income
+9.18% -52.62% 80 20 0 Compare
Stocks/Bonds 80/20
+9.12% -41.09% 80 20 0 Compare

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns ( more details)

Betterment Robo Advisor 100 Portfolio: annualized rolling and average returns

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Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+11.03% +63.57%
Mar 2009 - Feb 2010
-46.95%
Mar 2008 - Feb 2009
24.01%
2 Years
+10.06% +41.70%
Mar 2009 - Feb 2011
-27.26%
Mar 2007 - Feb 2009
14.03%
3 Years
+9.64% +28.55%
Apr 2003 - Mar 2006
-15.10%
Mar 2006 - Feb 2009
12.37%
5 Years
+9.50% +22.20%
Oct 2002 - Sep 2007
-3.82%
Mar 2004 - Feb 2009
6.46%
7 Years
+9.22% +19.30%
Oct 1990 - Sep 1997
+0.21%
Mar 2002 - Feb 2009
0.00%
10 Years
+8.92% +16.43%
Oct 1990 - Sep 2000
+0.73%
Mar 1999 - Feb 2009
0.00%
15 Years
+8.40% +12.57%
Oct 1990 - Sep 2005
+4.23%
Mar 1994 - Feb 2009
0.00%
20 Years
+8.36% +12.89%
Nov 1987 - Oct 2007
+4.83%
Apr 2000 - Mar 2020
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 100 Portfolio: Rolling Returns page.

Seasonality and Yearly/Monthly Returns

Betterment Robo Advisor 100 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 %
0.59
59%
0.60
62%
0.82
63%
2.50
83%
0.84
69%
0.12
57%
1.29
60%
-0.40
60%
-0.29
57%
0.51
62%
1.37
71%
2.55
76%
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
-4.3
2000
-8.9
2010
-8.8
2008
-9.6
2002
-16.1
1998
-10.9
2001
-20.6
1987
-8.0
2008
-7.7
2018
Statistics calculated for the period Mar 1987 - Sep 2021

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

Monthly Returns of Betterment Robo Advisor 100 Portfolio

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Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021
+11.70% 0.5 3.6 3.3 3.5 2.1 0.4 -0.3 2.2 -3.8
2020
+12.47% -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% 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% 5.2 -4.5 -1.0 0.3 0.5 -0.7 3.3 0.5 0.0 -7.7 2.1 -7.7
2017
+23.37% 2.7 2.5 1.3 1.4 1.7 1.0 2.6 0.1 2.4 2.0 1.9 1.7
2016
+11.17% -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% -1.8 5.6 -1.1 2.2 0.1 -2.3 0.2 -6.6 -3.4 7.1 -0.1 -2.6
2014
+4.80% -4.6 4.9 1.0 0.6 1.9 2.2 -1.8 2.8 -3.7 2.0 1.2 -1.3
2013
+25.26% 4.3 0.1 2.7 2.4 0.1 -2.1 5.1 -2.8 5.4 4.0 1.9 2.1
2012
+17.46% 6.1 4.3 1.3 -1.3 -8.3 5.1 0.5 2.5 3.0 -0.6 1.4 3.2
2011
-5.87% 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% -4.3 2.5 6.8 0.9 -8.9 -4.4 8.7 -4.5 9.8 3.7 -1.4 7.6
2009
+33.82% -10.5 -10.4 9.6 12.8 9.0 -0.8 9.4 3.3 5.2 -3.1 5.5 2.7
2008
-39.26% -6.6 -1.7 -0.8 5.5 2.0 -8.8 -1.9 -0.9 -10.0 -19.9 -8.0 5.3
2007
+8.88% 1.5 -1.3 2.2 3.7 3.6 -0.7 -3.0 0.7 5.2 4.0 -5.1 -1.6
2006
+21.56% 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% -2.1 3.9 -3.0 -2.1 2.6 1.9 4.6 0.7 3.0 -3.4 4.1 2.6
2004
+18.09% 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% -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% -1.6 0.1 4.9 -1.3 -0.7 -5.8 -9.6 0.4 -10.4 5.9 6.3 -4.0
2001
-10.62% 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% -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% 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% -0.3 7.7 4.3 0.6 -3.3 0.0 -1.7 -16.1 4.1 8.7 5.4 3.6
1997
+15.46% 2.5 1.1 -3.0 2.1 6.8 4.4 4.9 -5.4 5.4 -6.1 1.3 1.6
1996
+15.79% 3.0 0.7 1.7 2.7 1.2 -0.3 -4.9 2.5 3.6 0.5 5.3 -0.8
1995
+21.40% -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% 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% 3.3 1.8 6.0 2.2 1.4 1.4 2.4 4.7 -1.1 3.3 -4.2 6.7
1992
+2.17% 0.3 -0.5 -3.0 1.7 4.5 -4.5 2.5 -0.9 -0.8 -0.4 2.6 0.9
1991
+38.61% 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% -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% 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% 6.9 5.4 0.0 1.5 -0.9 4.7 -0.3 -3.4 3.3 2.6 0.9 1.6

* Note:
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
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