Betterment Robo Advisor 100 Portfolio: ETF allocation and returns

Last Update: 30 September 2020

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 8.63% compound annual return, with a 13.99% standard deviation.

In 2019, the portfolio granted a 2.92% 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 %	JKI	iShares Morningstar 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 2020

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	1M	3M	6M	1Y	*3Y^()**	*5Y^()**	*10Y^()**
Betterment Robo Advisor 100 Portfolio	-2.69	+7.13	+26.89	+4.11	+4.46	+9.15	+8.63
*Components*
VTI - Vanguard Total Stock Market	-3.54	+9.24	+33.25	+14.90	+11.63	+13.68	+13.48
EFA - iShares MSCI EAFE	-2.05	+4.57	+20.74	+0.09	+0.48	+5.08	+4.54
EEM - iShares MSCI Emerging Markets	-1.01	+10.25	+29.94	+10.81	+1.84	+8.47	+1.94
VTV - Vanguard Value	-2.22	+5.67	+19.09	-3.46	+4.35	+9.25	+10.79
JKI - iShares Morningstar Mid-Cap Value	-2.71	+4.54	+24.25	-15.68	-1.98	+5.41	+9.18
IJS - iShares S&P Small-Cap 600 Value	-5.18	+2.19	+23.62	-16.76	-4.57	+4.83	+8.70

(*) 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 2020

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Period	Returns Sep 2020	Standard Deviation *	Max Drawdown	Months Pos - Neg
1M	-2.69%		-2.69% Sep 2020 - Sep 2020	0 - 1
3M	+7.13%		-2.69% Sep 2020 - Sep 2020	2 - 1
6M	+26.89%		-2.69% Sep 2020 - Sep 2020	5 - 1
YTD	-4.16%		-24.46% Jan 2020 - Mar 2020	5 - 4
1Y	+4.11%	22.89%	-24.46% Jan 2020 - Mar 2020	8 - 4
3Y	+4.46% annualized	17.35%	-24.46% Jan 2020 - Mar 2020	24 - 12
5Y	+9.15% annualized	14.76%	-24.46% Jan 2020 - Mar 2020	43 - 17
10Y	+8.63% annualized	13.99%	-24.46% Jan 2020 - Mar 2020	81 - 39
MAX 01 Jan 2002	+7.66% annualized	16.03%	-54.67% Nov 2007 - Feb 2009	145 - 80

* Annualized St.Dev. of monthly returns

Best Very High Risk Porftolios, ordered by 10Y annualized return.

Portfolio	10Y Return ▾	Stocks	Bonds
Technology	+20.14%	100	0	Compare
US Stocks	+13.48%	100	0	Compare
Warren Buffett	+12.62%	90	10	Compare
Second Grader's Starter Paul Farrell	+9.82%	90	10	Compare
Edge Select Aggressive Merrill Lynch	+9.41%	84	16	Compare

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Capital Growth

Time Range:

Drawdowns

Time Range:

Worst drawdowns since September 2010.

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-24.46%	Jan 2020	Mar 2020	3	in progress	6	9
-21.50%	May 2011	Sep 2011	5	Dec 2012	15	20
-14.45%	Feb 2018	Dec 2018	11	Oct 2019	10	21
-13.49%	Jun 2015	Feb 2016	9	Sep 2016	7	16
-4.64%	Jan 2014	Jan 2014	1	Feb 2014	1	2
-3.90%	Sep 2014	Jan 2015	5	Feb 2015	1	6
-2.81%	Aug 2013	Aug 2013	1	Sep 2013	1	2
-2.07%	Jun 2013	Jun 2013	1	Jul 2013	1	2
-1.92%	Oct 2016	Oct 2016	1	Nov 2016	1	2
-1.88%	Jul 2014	Jul 2014	1	Aug 2014	1	2
-1.44%	Nov 2010	Nov 2010	1	Dec 2010	1	2
-1.11%	Mar 2015	Mar 2015	1	Apr 2015	1	2

Worst drawdowns since December 2001.

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-54.67%	Nov 2007	Feb 2009	16	Jan 2013	47	63
-24.90%	Apr 2002	Sep 2002	6	Oct 2003	13	19
-24.46%	Jan 2020	Mar 2020	3	in progress	6	9
-14.45%	Feb 2018	Dec 2018	11	Oct 2019	10	21
-13.49%	Jun 2015	Feb 2016	9	Sep 2016	7	16
-4.90%	Mar 2005	Apr 2005	2	Jul 2005	3	5
-4.64%	Jan 2014	Jan 2014	1	Feb 2014	1	2
-4.61%	May 2006	May 2006	1	Oct 2006	5	6
-4.14%	Mar 2004	Apr 2004	2	Oct 2004	6	8
-3.90%	Sep 2014	Jan 2015	5	Feb 2015	1	6
-3.68%	Jun 2007	Jul 2007	2	Sep 2007	2	4
-3.45%	Oct 2005	Oct 2005	1	Nov 2005	1	2
-2.81%	Aug 2013	Aug 2013	1	Sep 2013	1	2
-2.07%	Jun 2013	Jun 2013	1	Jul 2013	1	2
-2.06%	Jan 2005	Jan 2005	1	Feb 2005	1	2
-1.92%	Oct 2016	Oct 2016	1	Nov 2016	1	2
-1.88%	Jul 2014	Jul 2014	1	Aug 2014	1	2
-1.58%	Jan 2002	Jan 2002	1	Mar 2002	2	3
-1.26%	Feb 2007	Feb 2007	1	Mar 2007	1	2
-1.11%	Mar 2015	Mar 2015	1	Apr 2015	1	2

Rolling Returns

Betterment Robo Advisor 100 Portfolio: annualized rolling and average returns

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	*Return ()**			Negative Periods
Rolling Period	Average	Best	Worst	Negative Periods
1 Year	+9.83%	+63.97% Mar 2009 - Feb 2010	-47.13% Mar 2008 - Feb 2009	26.17%
2 Years	+9.34%	+41.82% Mar 2009 - Feb 2011	-27.41% Mar 2007 - Feb 2009	14.36%
3 Years	+8.96%	+28.40% Apr 2003 - Mar 2006	-15.15% Mar 2006 - Feb 2009	14.74%
5 Years	+8.02%	+22.15% Oct 2002 - Sep 2007	-3.91% Mar 2004 - Feb 2009	9.04%
7 Years	+7.56%	+14.23% Mar 2009 - Feb 2016	+0.13% Mar 2002 - Feb 2009	0.00%
10 Years	+7.87%	+14.04% Mar 2009 - Feb 2019	+4.48% Feb 2006 - Jan 2016	0.00%
15 Years	+8.40%	+10.98% Feb 2003 - Jan 2018	+5.76% Apr 2005 - Mar 2020	0.00%

* Annualized rolling and average returns over full calendar month periods

Seasonality and Yearly/Monthly Returns

Betterment Robo Advisor 100 Portfolio Seasonality

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	Months
Return (%)	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
Average	-0.3	0.1	1.0	2.7	0.2	-0.1	1.3	-0.1	0.1	1.1	1.4	1.4
Best	8.5 2019	5.6 2015	9.7 2009	12.9 2009	9.0 2009	6.7 2019	9.4 2009	5.3 2020	9.8 2010	11.7 2011	6.4 2004	7.6 2010
Worst	-10.8 2009	-10.5 2009	-15.7 2020	-3.9 2004	-9.0 2010	-8.8 2008	-9.6 2002	-7.5 2011	-10.4 2002	-19.7 2008	-8.0 2008	-7.8 2018
Gain Frequency	47	58	63	79	68	53	63	68	68	67	72	67

Detail of Monthly Returns

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		Months
Year	Return	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2020	-4.16%	-2.6	-7.9	-15.7	10.0	4.5	3.0	4.6	5.3	-2.7
2019	+25.11%	8.5	2.4	0.7	3.3	-6.5	6.7	-0.1	-2.7	2.8	2.6	2.3	3.5
2018	-10.01%	5.2	-4.5	-1.0	0.4	0.5	-0.7	3.2	0.6	0.0	-7.6	2.1	-7.8
2017	+23.03%	2.6	2.4	1.3	1.3	1.6	1.0	2.6	0.1	2.5	2.0	1.9	1.6
2016	+11.85%	-5.5	-0.6	8.0	1.3	0.2	0.3	4.2	0.6	0.9	-1.9	2.5	1.9
2015	-3.29%	-1.8	5.6	-1.1	2.2	0.1	-2.3	0.2	-6.6	-3.4	7.1	-0.1	-2.5
2014	+4.59%	-4.6	5.0	1.1	0.6	1.9	2.2	-1.9	2.9	-3.7	1.9	1.1	-1.3
2013	+25.56%	4.4	0.1	2.7	2.4	0.2	-2.1	5.2	-2.8	5.4	4.0	1.9	2.1
2012	+17.53%	6.0	4.4	1.3	-1.3	-8.3	5.0	0.5	2.4	3.0	-0.6	1.4	3.3
2011	-6.04%	1.1	3.2	0.6	3.4	-1.7	-1.6	-2.4	-7.5	-10.2	11.7	-1.0	-0.3
2010	+15.18%	-4.4	2.5	6.8	0.9	-9.0	-4.5	8.7	-4.4	9.8	3.6	-1.4	7.6
2009	+33.61%	-10.8	-10.5	9.7	12.9	9.0	-0.7	9.4	3.4	5.1	-3.2	5.5	2.7
2008	-39.19%	-6.4	-1.9	-0.9	5.4	1.9	-8.8	-1.7	-0.8	-9.9	-19.7	-8.0	5.2
2007	+8.74%	1.5	-1.3	2.2	3.7	3.6	-0.7	-3.0	0.6	5.1	3.9	-5.1	-1.6
2006	+21.83%	5.9	-0.6	2.8	3.0	-4.6	0.2	0.6	2.2	1.1	4.2	3.2	2.5
2005	+12.61%	-2.1	4.0	-3.0	-2.0	2.5	1.9	4.5	0.5	2.9	-3.5	4.1	2.5
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

* Note:
Portofolio Returns, up to December 2004, 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:

EEM - iShares MSCI Emerging Markets: simulated historical serie, up to December 2003

VTV - Vanguard Value: simulated historical serie, up to December 2004

JKI - iShares Morningstar Mid-Cap Value: simulated historical serie, up to December 2004