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
Swipe left to see all data
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.

Historical Returns

Betterment Robo Advisor 20 Portfolio - Historical returns and stats.

BETTERMENT ROBO ADVISOR 20 PORTFOLIO
Last Update: 30 September 2021
Swipe left to see all data
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:

Rolling Returns ( more details)

Betterment Robo Advisor 20 Portfolio: annualized rolling and average returns

Swipe left to see all data
Return (*) Negative
Periods
Rolling Period Average Best Worst
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.

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 %
0.36
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
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