Last Update: 30 September 2020

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 3.6% compound annual return, with a 3.21% standard deviation.

In 2019, the portfolio granted a 2.70% 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 % JKI iShares Morningstar 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 2020
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*)
Betterment Robo Advisor 20 Portfolio -0.55 +1.72 +6.50 +4.26 +3.75 +4.14 +3.60
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
SHY - iShares 1-3 Year Treasury Bond 0.00 +0.07 +0.29 +3.45 +2.50 +1.67 +1.15
BSV - Vanguard Short-Term Bond +0.01 +0.35 +2.00 +4.91 +3.43 +2.52 +1.96
BNDX - Vanguard Total International Bond +0.86 +1.04 +3.95 +2.21 +5.10 +4.36 +4.58
BND - Vanguard Total Bond Market -0.10 +0.40 +4.56 +7.06 +5.26 +4.17 +3.50
EMB - iShares JP Morgan USD Em Mkts Bd -2.08 +2.43 +17.03 +2.02 +3.20 +5.77 +4.75
TIP - iShares TIPS Bond -0.38 +2.85 +7.70 +9.73 +5.66 +4.47 +3.42
(*) 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.

Historical Returns

Betterment Robo Advisor 20 Portfolio - Historical returns and stats.

BETTERMENT ROBO ADVISOR 20 PORTFOLIO
Last Update: 30 September 2020
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Period Returns
Sep 2020		 Standard
Deviation *		 Max
Drawdown		 Months
Pos - Neg
1M
-0.55%
-0.55%
Sep 2020 - Sep 2020
0 - 1
3M
+1.72%
-0.55%
Sep 2020 - Sep 2020
2 - 1
6M
+6.50%
-0.55%
Sep 2020 - Sep 2020
5 - 1
YTD
+2.06%
-4.42%
Feb 2020 - Mar 2020
6 - 3
1Y
+4.26%
5.06%
-4.42%
Feb 2020 - Mar 2020
9 - 3
3Y
+3.75%
annualized
3.83%
-4.42%
Feb 2020 - Mar 2020
26 - 10
5Y
+4.14%
annualized
3.30%
-4.42%
Feb 2020 - Mar 2020
44 - 16
10Y
+3.60%
annualized
3.21%
-4.42%
Feb 2020 - Mar 2020
86 - 34
MAX
01 Jan 2008
+3.68%
annualized
4.07%
-9.99%
May 2008 - Feb 2009
107 - 46

* Annualized St.Dev. of monthly returns

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Robo Advisor 20
Betterment		 +3.60% 19.9 80.1 0

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Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns

Betterment Robo Advisor 20 Portfolio: annualized rolling and average returns

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Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
 +3.97% +17.16%
Mar 2009 - Feb 2010 		-9.69%
Mar 2008 - Feb 2009 		11.27%
2 Years
 +4.04% +11.93%
Mar 2009 - Feb 2011 		+0.82%
Mar 2014 - Feb 2016 		0.00%
3 Years
 +3.93% +9.12%
Mar 2009 - Feb 2012 		+1.80%
Feb 2013 - Jan 2016 		0.00%
5 Years
 +3.75% +7.06%
Mar 2009 - Feb 2014 		+2.26%
Jan 2014 - Dec 2018 		0.00%
7 Years
 +3.72% +5.24%
Mar 2009 - Feb 2016 		+2.69%
Apr 2013 - Mar 2020 		0.00%
10 Years
 +3.94% +4.86%
Mar 2009 - Feb 2019 		+3.27%
Apr 2010 - Mar 2020 		0.00%

* Annualized rolling and average returns over full calendar month periods

Seasonality and Yearly/Monthly Returns

Betterment Robo Advisor 20 Portfolio Seasonality

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Months
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average 0.2 0.1 0.4 0.9 0.0 0.1 0.9 0.1 0.1 0.0 0.3 0.5
Best 2.4
2019 		1.3
2014 		2.6
2009 		2.9
2009 		2.4
2009 		2.1
2019 		2.7
2009 		1.4
2009 		2.0
2010 		2.5
2011 		1.9
2009 		3.4
2008
Worst -2.9
2009 		-2.6
2009 		-3.6
2020 		-0.3
2018 		-1.8
2012 		-1.7
2008 		-0.4
2014 		-1.6
2015 		-2.5
2008 		-4.8
2008 		-1.0
2010 		-0.7
2015
Gain
Frequency		 69 77 85 92 46 54 92 69 54 58 67 75

Detail of Monthly Returns

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Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020
 +2.06% 0.3 -0.9 -3.6 2.5 1.2 0.9 1.4 0.9 -0.6
2019
 +9.52% 2.4 0.6 1.0 0.8 -0.7 2.1 0.1 0.5 0.3 0.7 0.4 1.1
2018
 -1.40% 0.7 -1.3 0.2 -0.3 0.2 -0.2 0.8 0.2 -0.1 -1.7 0.7 -0.6
2017
 +6.18% 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
 +4.13% -0.5 0.3 2.0 0.4 0.0 1.1 1.1 0.1 0.4 -0.8 -0.6 0.6
2015
 -0.32% 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
 +2.88% -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
 +3.92% 0.6 0.2 0.6 1.0 -0.9 -1.3 1.3 -1.0 1.7 1.2 0.3 0.2
2012
 +6.19% 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
 +1.91% 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
 +6.53% -0.1 0.7 1.4 0.7 -1.5 -0.1 2.1 0.0 2.0 1.1 -1.0 1.2
2009
 +10.27% -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
 -3.99% 0.2 0.4 -0.1 0.5 0.0 -1.7 0.0 0.2 -2.5 -4.8 0.7 3.4

* 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:

BNDX - Vanguard Total International Bond: simulated historical serie, up to December 2013

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