Last Update: 31 January 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 3.95% compound annual return, with a 2.99% standard deviation.

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

Historical Returns

Betterment Robo Advisor 20 Portfolio - Historical returns and stats.

Returns, capital growth, stats are calculated assuming a rebalancing of the portfolio at the beginning of each year (i.e. at every January 1st).

BETTERMENT ROBO ADVISOR 20 PORTFOLIO
Last Update: 31 January 2020
Swipe left to see all data
Period Returns
Jan 2020
Standard
Deviation *
Max
Drawdown
Months
Pos - Neg
1M
+0.26%
0.00%
1 - 0
3M
+1.67%
0.00%
3 - 0
6M
+3.19%
0.00%
6 - 0
YTD
+0.26%
0.00%
1 - 0
1Y
+7.25%
2.22%
-0.68%
May 2019 - May 2019
11 - 1
3Y
+4.52%
annualized
2.56%
-2.11%
Feb 2018 - Oct 2018
29 - 7
5Y
+3.47%
annualized
2.66%
-2.69%
May 2015 - Sep 2015
43 - 17
10Y
+3.95%
annualized
2.99%
-3.26%
Jun 2011 - Sep 2011
86 - 34
MAX
01 Jan 2008
+3.73%
annualized
3.93%
-9.99%
May 2008 - Feb 2009
102 - 43

* Annualized St.Dev. of monthly returns

Best Low Risk Porftolios, ordered by 10Y annualized return.

Portfolio 10Y Return ▾ #ETF Stocks Bonds Comm.
Edge Select Conservative
Merrill Lynch
+4.92% 12 21 79 0
10-year Treasury
+4.53% 1 0 100 0
Dimensional Retirement Income Fund
DFA
+4.36% 7 20.4 79.6 0
Robo Advisor 20
Betterment
+3.95% 12 19.9 80.1 0
Conservative Income
Charles Schwab
+3.55% 6 5 95 0

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns

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
+3.97% +17.16%
Mar 2009 - Feb 2010
-9.69%
Mar 2008 - Feb 2009
11.94%
2 Years
+4.04% +11.93%
Mar 2009 - Feb 2011
+0.82%
Mar 2014 - Feb 2016
0.00%
3 Years
+3.95% +9.12%
Mar 2009 - Feb 2012
+1.80%
Feb 2013 - Jan 2016
0.00%
5 Years
+3.78% +7.06%
Mar 2009 - Feb 2014
+2.26%
Jan 2014 - Dec 2018
0.00%
7 Years
+3.78% +5.24%
Mar 2009 - Feb 2016
+3.05%
Nov 2011 - Oct 2018
0.00%
10 Years
+4.02% +4.86%
Mar 2009 - Feb 2019
+3.54%
May 2008 - Apr 2018
0.00%

* Annualized rolling and average returns over full calendar month periods

Yearly Returns - Monthly Returns Heatmap

Swipe left to see all data
Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020
+0.26% 0.3
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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