Betterment Robo Advisor 20 Portfolio: ETF allocation and returns

Data Source: from January 1996 to September 2021

Last Update: 30 September 2021

The Betterment Robo Advisor 20 Portfolio is exposed for 19.9% 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 4.1% compound annual return, with a 3.18% standard deviation.

In the last 25 years, a 5.35% compound annual return, with a 3.90% standard deviation.

In 2020, the portfolio granted a 1.58% dividend yield. If you are interested in getting periodic income, please refer to the Betterment Robo Advisor 20 Portfolio: Dividend Yield page.

Asset Allocation and ETFs

The Betterment Robo Advisor 20 Portfolio has the following asset allocation:

        19.9% Stocks
      
        80.1% Fixed Income
      
        0% Commodities

The Betterment Robo Advisor 20 Portfolio can be replicated with the following ETFs:

Weight	Ticker	ETF Name	Investment Themes
6.30 %	VTI	Vanguard Total Stock Market	Equity, U.S., Large Cap
5.60 %	EFA	iShares MSCI EAFE	Equity, EAFE, Large Cap
3.70 %	EEM	iShares MSCI Emerging Markets	Equity, Emerging Markets, Large Cap
1.70 %	VTV	Vanguard Value	Equity, U.S., Large Cap, Value
1.40 %	VOE	Vanguard Mid-Cap Value	Equity, U.S., Mid Cap
1.20 %	IJS	iShares S&P Small-Cap 600 Value	Equity, U.S., Small Cap, Value
42.80 %	SHY	iShares 1-3 Year Treasury Bond	Bond, U.S., Short Term
10.70 %	BSV	Vanguard Short-Term Bond	Bond, U.S., Short Term
9.80 %	BNDX	Vanguard Total International Bond	Bond, Developed Markets, All-Term
7.60 %	BND	Vanguard Total Bond Market	Bond, U.S., All-Term
5.90 %	EMB	iShares JP Morgan USD Em Mkts Bd	Bond, Emerging Markets, All-Term
3.30 %	TIP	iShares TIPS Bond	Bond, U.S., All-Term

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 20 Portfolio guaranteed the following returns.

BETTERMENT ROBO ADVISOR 20 PORTFOLIO RETURNS (%)

Last Update: 30 September 2021

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	1M	3M	6M	1Y	*3Y^()**	*5Y^()**	*10Y^()**	*20Y^()**	*25Y^()**
Betterment Robo Advisor 20 Portfolio	-1.26	-0.49	+1.25	+5.53	+5.10	+4.18	+4.10	+4.88	+5.35
*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
SHY iShares 1-3 Year Treasury Bond	-0.10	+0.03	-0.02	-0.10	+2.53	+1.51	+1.03	+2.20	+3.12
BSV Vanguard Short-Term Bond	-0.30	+0.01	+0.28	-0.03	+3.56	+2.10	+1.75	+2.92	+3.73
BNDX Vanguard Total International Bond	-1.08	-0.03	+0.15	-1.08	+3.98	+2.63	+4.08	+5.06	+5.33
BND Vanguard Total Bond Market	-1.01	-0.05	+1.88	-1.04	+5.36	+2.88	+2.88	+4.09	+4.86
EMB iShares JP Morgan USD Em Mkts Bd	-2.64	-1.22	+3.01	+3.20	+5.43	+3.36	+5.14	+8.56	+9.45
TIP iShares TIPS Bond	-0.78	+1.71	+4.97	+4.88	+7.23	+4.13	+2.97	+4.99	+5.88

(*) 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 20 Portfolio: Dividend Yield page.

Readings that may interest you

The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair ...

Guide to investing in Stocks, Bonds, ETFS and Mutual Funds: A Beginner's ...

Der ultimative ETF FÜR EINSTEIGER Investment Guide: Wie Sie in ETFs clever ...

Historical Returns

Betterment Robo Advisor 20 Portfolio - Historical returns and stats.

BETTERMENT ROBO ADVISOR 20 PORTFOLIO

Last Update: 30 September 2021

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Period	Returns Sep 2021	Standard Deviation *	Max Drawdown	Months Pos - Neg
1M	-1.26%		-1.26% Sep 2021 - Sep 2021	0 - 1
3M	-0.49%		-1.26% Sep 2021 - Sep 2021	2 - 1
6M	+1.25%		-1.26% Sep 2021 - Sep 2021	5 - 1
YTD	+1.70%		-1.26% Sep 2021 - Sep 2021	7 - 2
1Y	+5.53%	3.24%	-1.26% Sep 2021 - Sep 2021	9 - 3
3Y	+5.10% annualized	4.11%	-4.38% Feb 2020 - Mar 2020	27 - 9
5Y	+4.18% annualized	3.40%	-4.38% Feb 2020 - Mar 2020	45 - 15
10Y	+4.10% annualized	3.18%	-4.38% Feb 2020 - Mar 2020	87 - 33
20Y	+4.88% annualized	3.74%	-9.96% May 2008 - Feb 2009	177 - 63
25Y	+5.35% annualized	3.90%	-9.96% May 2008 - Feb 2009	217 - 83
MAX 01 Jan 1996	+5.39% annualized	3.87%	-9.96% May 2008 - Feb 2009	224 - 85

* Annualized St.Dev. of monthly returns

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

	25 Years Stats		% Allocation
Portfolio	Return▾	Drawdown	Stocks	Bonds	Comm.
High Yield Bonds Income	+7.14%	-23.98%	0	100	0	Compare
All Country World 20/80	+6.24%	-14.04%	20	80	0	Compare
Stocks/Bonds 20/80	+6.14%	-8.42%	20	80	0	Compare
All Country World Bonds	+5.81%	-8.82%	0	100	0	Compare
Dimensional Retirement Income Fund DFA	+5.77%	-12.91%	20.4	79.6	0	Compare

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Worst drawdowns since October 1996 - Chart and Data

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-9.96%	May 2008	Feb 2009	10	Jul 2009	5	15
-4.38%	Feb 2020	Mar 2020	2	Jun 2020	3	5
-4.06%	May 1998	Aug 1998	4	Oct 1998	2	6
-3.26%	Jun 2011	Sep 2011	4	Jan 2012	4	8
-2.69%	May 2015	Sep 2015	5	Jun 2016	9	14
-2.38%	Jun 2002	Jul 2002	2	Nov 2002	4	6
-2.28%	Apr 2004	Apr 2004	1	Sep 2004	5	6
-2.19%	May 2013	Jun 2013	2	Oct 2013	4	6
-2.15%	Feb 2018	Oct 2018	9	Jan 2019	3	12
-1.76%	May 2012	May 2012	1	Jul 2012	2	3
-1.59%	May 2010	Jun 2010	2	Jul 2010	1	3
-1.47%	Feb 2001	Mar 2001	2	May 2001	2	4
-1.47%	Apr 2000	May 2000	2	Jun 2000	1	3
-1.41%	Aug 1997	Aug 1997	1	Sep 1997	1	2
-1.38%	Oct 2016	Nov 2016	2	Feb 2017	3	5
-1.37%	Oct 1997	Oct 1997	1	Jan 1998	3	4
-1.36%	May 1999	May 1999	1	Oct 1999	5	6
-1.26%	Sep 2021	Sep 2021	1	in progress		1
-1.26%	Jan 2000	Jan 2000	1	Feb 2000	1	2
-1.19%	Mar 1997	Mar 1997	1	May 1997	2	3

Worst drawdowns since January 1996 - Chart and Data

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-9.96%	May 2008	Feb 2009	10	Jul 2009	5	15
-4.38%	Feb 2020	Mar 2020	2	Jun 2020	3	5
-4.06%	May 1998	Aug 1998	4	Oct 1998	2	6
-3.26%	Jun 2011	Sep 2011	4	Jan 2012	4	8
-2.69%	May 2015	Sep 2015	5	Jun 2016	9	14
-2.38%	Jun 2002	Jul 2002	2	Nov 2002	4	6
-2.28%	Apr 2004	Apr 2004	1	Sep 2004	5	6
-2.19%	May 2013	Jun 2013	2	Oct 2013	4	6
-2.15%	Feb 2018	Oct 2018	9	Jan 2019	3	12
-1.76%	May 2012	May 2012	1	Jul 2012	2	3
-1.59%	May 2010	Jun 2010	2	Jul 2010	1	3
-1.47%	Feb 2001	Mar 2001	2	May 2001	2	4
-1.47%	Apr 2000	May 2000	2	Jun 2000	1	3
-1.41%	Aug 1997	Aug 1997	1	Sep 1997	1	2
-1.38%	Oct 2016	Nov 2016	2	Feb 2017	3	5
-1.37%	Oct 1997	Oct 1997	1	Jan 1998	3	4
-1.36%	May 1999	May 1999	1	Oct 1999	5	6
-1.26%	Jan 2000	Jan 2000	1	Feb 2000	1	2
-1.26%	Sep 2021	Sep 2021	1	in progress		1
-1.19%	Mar 1997	Mar 1997	1	May 1997	2	3

Rolling Returns ( more details)

Betterment Robo Advisor 20 Portfolio: annualized rolling and average returns

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	*Return ()**			Negative Periods
Rolling Period	Average	Best	Worst	Negative Periods
1 Year	+5.50%	+17.13% Mar 2009 - Feb 2010	-9.64% Mar 2008 - Feb 2009	6.71%
2 Years	+5.35%	+11.93% Mar 2009 - Feb 2011	-1.58% Mar 2007 - Feb 2009	1.05%
3 Years	+5.27%	+9.13% Mar 2009 - Feb 2012	+1.25% Mar 2006 - Feb 2009	0.00%
5 Years	+5.21%	+8.13% Nov 2002 - Oct 2007	+2.25% Jan 2014 - Dec 2018	0.00%
7 Years	+5.20%	+7.77% Apr 1997 - Mar 2004	+2.69% Apr 2013 - Mar 2020	0.00%
10 Years	+5.21%	+7.28% Apr 1997 - Mar 2007	+3.28% Apr 2010 - Mar 2020	0.00%
15 Years	+5.21%	+6.67% May 1996 - Apr 2011	+4.08% Apr 2005 - Mar 2020	0.00%
20 Years	+5.17%	+5.78% Aug 1996 - Jul 2016	+4.61% 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 20 Portfolio: Rolling Returns page.

Seasonality and Yearly/Monthly Returns

Betterment Robo Advisor 20 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.

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	Monthly Average Return (%) and Gain Frequency
Return (%)	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
Average Win %	0.36 69%	0.24 77%	0.38 81%	0.81 88%	0.20 58%	0.33 65%	0.51 73%	0.26 73%	0.38 62%	0.42 64%	0.68 80%	0.81 80%
Best Year	2.4 2019	1.8 1998	2.6 2009	2.9 2009	2.4 2009	2.1 2019	2.7 2009	1.7 2000	2.9 1998	2.5 2011	2.8 2020	3.4 2008
Worst Year	-2.9 2009	-2.6 2009	-3.6 2020	-2.3 2004	-1.8 2012	-1.7 2008	-1.3 2002	-3.6 1998	-2.5 2008	-4.9 2008	-1.0 2010	-0.7 2015

Statistics calculated for the period Jan 1996 - Sep 2021

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

Monthly Returns of Betterment Robo Advisor 20 Portfolio

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		Months
Year	Return	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2021	+1.70%	-0.1	0.1	0.5	1.0	0.6	0.2	0.3	0.4	-1.3
2020	+6.01%	0.3	-0.8	-3.6	2.5	1.2	0.9	1.5	0.8	-0.5	-0.3	2.8	1.3
2019	+9.57%	2.4	0.6	1.0	0.8	-0.7	2.1	0.1	0.5	0.3	0.8	0.4	1.1
2018	-1.42%	0.7	-1.3	0.2	-0.3	0.2	-0.2	0.8	0.2	-0.1	-1.8	0.7	-0.6
2017	+6.24%	0.7	0.8	0.4	0.6	0.6	0.0	0.8	0.5	0.3	0.5	0.3	0.6
2016	+4.01%	-0.5	0.3	2.0	0.4	0.0	1.1	1.1	0.1	0.3	-0.8	-0.6	0.6
2015	-0.31%	0.6	0.8	0.0	0.5	-0.1	-0.8	0.2	-1.6	-0.4	1.5	-0.2	-0.7
2014	+2.92%	-0.5	1.3	0.2	0.4	0.9	0.5	-0.4	1.0	-1.1	0.8	0.4	-0.6
2013	+3.86%	0.6	0.2	0.5	1.0	-0.9	-1.3	1.3	-1.0	1.7	1.2	0.3	0.2
2012	+6.18%	1.7	1.0	0.1	0.2	-1.8	1.2	0.8	0.7	1.0	-0.1	0.6	0.7
2011	+1.94%	0.3	0.6	0.2	1.4	0.1	-0.3	0.3	-1.0	-2.2	2.5	-0.3	0.4
2010	+6.55%	-0.1	0.7	1.4	0.7	-1.5	-0.1	2.1	-0.1	2.1	1.1	-1.0	1.2
2009	+10.31%	-2.9	-2.6	2.6	2.9	2.4	0.1	2.7	1.4	2.0	-0.6	1.9	0.0
2008	-4.00%	0.2	0.4	-0.1	0.5	0.0	-1.7	0.0	0.2	-2.5	-4.9	0.8	3.4
2007	+7.51%	0.3	0.6	0.8	1.1	0.5	-0.1	0.1	0.8	1.8	1.5	0.1	-0.1
2006	+7.81%	1.4	0.1	0.3	0.8	-1.1	0.2	0.9	1.3	0.6	1.3	1.3	0.5
2005	+5.11%	-0.3	0.6	-0.8	0.3	1.1	0.8	0.5	0.9	0.5	-1.1	1.2	1.1
2004	+6.10%	0.7	1.0	0.5	-2.3	0.2	0.7	-0.3	1.3	0.7	0.9	1.1	1.4
2003	+12.15%	-0.3	0.4	0.1	2.4	2.3	0.5	-0.5	1.1	1.3	1.3	0.6	2.4
2002	+3.70%	0.2	0.8	0.3	1.0	0.3	-1.1	-1.3	1.4	-1.0	1.2	1.0	0.9
2001	+5.73%	2.2	-0.9	-0.6	1.4	0.6	0.0	0.8	0.3	-1.1	1.9	0.7	0.5
2000	+6.02%	-1.3	1.3	1.8	-1.0	-0.5	1.9	0.3	1.7	-0.2	-0.1	-0.2	2.1
1999	+8.74%	0.5	-1.2	1.9	2.4	-1.4	1.2	-0.3	-0.1	0.6	1.4	1.2	2.2
1998	+7.78%	0.7	1.8	1.1	0.7	-0.5	0.1	0.0	-3.6	2.9	2.3	1.2	1.1
1997	+7.86%	0.5	0.5	-1.2	1.1	2.4	1.7	2.0	-1.4	2.2	-1.4	0.3	0.9
1996	+8.41%	1.4	-0.9	0.2	0.7	0.4	0.8	-0.5	0.9	1.9	1.3	2.3	-0.3

* 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:

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
SHY - iShares 1-3 Year Treasury Bond: simulated historical serie, up to December 2002
BSV - Vanguard Short-Term Bond: simulated historical serie, up to December 2007
BNDX - Vanguard Total International Bond: simulated historical serie, up to December 2013
BND - Vanguard Total Bond Market: simulated historical serie, up to December 2007
EMB - iShares JP Morgan USD Em Mkts Bd: simulated historical serie, up to December 2007
TIP - iShares TIPS Bond: simulated historical serie, up to December 2003