Data Source: from March 1987 to December 2021

Last Update: 31 December 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 11.83% compound annual return, with a 13.37% standard deviation.

In the last 25 years, a 8.42% compound annual return, with a 16.16% standard deviation.

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: 31 December 2021
Swipe left to see all data
1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*) 20Y(*) 25Y(*)
Betterment Robo Advisor 100 Portfolio +4.18 +5.66 +3.63 +18.02 +18.50 +13.03 +11.83 +8.93 +8.42
--- Inflation Adjusted return +3.69 +3.37 +0.22 +10.17 +14.45 +9.82 +9.51 +6.47 +6.00
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
VOE
Vanguard Mid-Cap Value
+6.15 +8.30 +8.05 +28.76 +19.09 +11.60 +13.57 +10.46 +10.64
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
(*) 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 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

Historical returns and stats of Betterment Robo Advisor 100 Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

BETTERMENT ROBO ADVISOR 100 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
+4.18%
+3.69%
0.00%
1 - 0
3M
+5.66%
+3.37%
-2.90%
Nov 2021 - Nov 2021
2 - 1
6M
+3.63%
+0.22%
-3.75%
Sep 2021 - Sep 2021
3 - 3
YTD
+18.02%
+10.17%
8.97%
-3.75%
Sep 2021 - Sep 2021
9 - 3
75% pos
1Y
+18.02%
+10.17%
8.97%
-3.75%
Sep 2021 - Sep 2021
9 - 3
75% pos
3Y
+18.50%
annualized
+14.45%
annualized
17.49%
-24.14%
Jan 2020 - Mar 2020
25 - 11
69% pos
5Y
+13.03%
annualized
+9.82%
annualized
15.21%
-24.14%
Jan 2020 - Mar 2020
44 - 16
73% pos
10Y
+11.83%
annualized
+9.51%
annualized
13.37%
-24.14%
Jan 2020 - Mar 2020
85 - 35
71% pos
20Y
+8.93%
annualized
+6.47%
annualized
15.91%
-54.55%
Nov 2007 - Feb 2009
156 - 84
65% pos
25Y
+8.42%
annualized
+6.00%
annualized
16.16%
-54.55%
Nov 2007 - Feb 2009
191 - 109
64% pos
MAX
01 Mar 1987
+9.69%
annualized
+6.83%
annualized
15.68%
-54.55%
Nov 2007 - Feb 2009
271 - 147
65% pos
(*)Annualized St.Dev. of monthly returns

Portfolio efficiency

Is the Betterment Robo Advisor 100 Portfolio actually efficient, compared to other Lazy Portfolios?

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
+9.88% -50.84% 100 0 0 Compare
Warren Buffett Portfolio
Warren Buffett
+9.38% -45.53% 90 10 0 Compare
Aggressive Global Income
+9.25% -52.62% 80 20 0 Compare
Stocks/Bonds 80/20
+9.17% -41.09% 80 20 0 Compare

See all portfolios

Our overall ratings, assigned to the Betterment Robo Advisor 100 Portfolio. The portfolio is classified as Very High 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%
Very High Risk
Portfolios
All
Portfolios
25 Years Ann. Return
(Inflation Adjusted)
+8.42%
(+6.00%)
Average : 2.7 / 5
Good : 3.9 / 5
Standard Deviation
over 25 Years
16.16%
Average : 2.9 / 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

Capital Growth

Time Range:

An investment of 1000$, since January 1997, now would be worth 7550.82$, with a total return of 655.08% (8.42% annualized).

The Inflation Adjusted Capital now would be 4287.54$, with a net total return of 328.75% (6.00% 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
-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
-14.58% Feb 2018 Dec 2018 11 Oct 2019 10 21
-13.71% Jun 2015 Feb 2016 9 Sep 2016 7 16
-6.42% Aug 1997 Oct 1997 3 Feb 1998 4 7
-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
-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
-2.99% Mar 1997 Mar 1997 1 May 1997 2 3
-2.90% Nov 2021 Nov 2021 1 Dec 2021 1 2
-2.77% Aug 2013 Aug 2013 1 Sep 2013 1 2
-2.44% May 1999 May 1999 1 Jun 1999 1 2

Rolling Returns ( more details)

Betterment Robo Advisor 100 Portfolio: annualized rolling and average returns

Swipe left to see all data
Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+11.13% +63.57%
Mar 2009 - Feb 2010
-46.95%
Mar 2008 - Feb 2009
23.83%
2 Years
+10.10% +41.70%
Mar 2009 - Feb 2011
-27.26%
Mar 2007 - Feb 2009
13.92%
3 Years
+9.69% +28.55%
Apr 2003 - Mar 2006
-15.10%
Mar 2006 - Feb 2009
12.27%
5 Years
+9.53% +22.20%
Oct 2002 - Sep 2007
-3.82%
Mar 2004 - Feb 2009
6.41%
7 Years
+9.22% +19.30%
Oct 1990 - Sep 1997
+0.21%
Mar 2002 - Feb 2009
0.00%
10 Years
+8.94% +16.43%
Oct 1990 - Sep 2000
+0.73%
Mar 1999 - Feb 2009
0.00%
15 Years
+8.39% +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%

* 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

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%
0.62
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
-4.3
2000
-8.9
2010
-8.8
2008
-9.6
2002
-16.1
1998
-10.9
2001
-20.6
1987
-7.9
2008
-7.7
2018
Statistics calculated for the period Mar 1987 - Dec 2021

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

Monthly/Yearly Returns

Betterment Robo Advisor 100 Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
271 Positive Months (65%) - 147 Negative Months (35%)
Mar 1987 - 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
+18.02 +10.17 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 +11.03 -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 +22.58 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 -11.82 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 +20.83 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

* 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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