Betterment Robo Advisor 20 Portfolio: ETF allocation and returns

Last Update: 31 May 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 3.74% compound annual return, with a 3.27% 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

Portfolio and ETF Returns

The Betterment Robo Advisor 20 Portfolio guaranteed the following returns.

BETTERMENT ROBO ADVISOR 20 PORTFOLIO RETURNS (%)

Last Update: 31 May 2020

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	1M	3M	6M	1Y	*3Y^()**	*5Y^()**	*10Y^()**
Betterment Robo Advisor 20 Portfolio	+1.24	+0.05	+0.49	+4.63	+3.42	+3.06	+3.74
*Components*
VTI - Vanguard Total Stock Market	+5.40	+2.65	-2.97	+11.28	+9.52	+9.14	+12.78
EFA - iShares MSCI EAFE	+5.43	-4.18	-11.55	-2.83	-0.42	+0.70	+5.24
EEM - iShares MSCI Emerging Markets	+2.97	-6.89	-9.43	-4.64	-0.61	+0.51	+2.00
VTV - Vanguard Value	+2.88	-3.08	-12.43	+0.08	+4.80	+6.16	+10.74
JKI - iShares Morningstar Mid-Cap Value	+3.61	-11.09	-22.74	-12.59	-2.72	+2.04	+8.83
IJS - iShares S&P Small-Cap 600 Value	+2.55	-13.30	-24.94	-14.11	-3.46	+1.41	+8.08
SHY - iShares 1-3 Year Treasury Bond	-0.08	+1.44	+3.08	+4.44	+2.52	+1.72	+1.24
BSV - Vanguard Short-Term Bond	+0.56	+1.81	+3.90	+5.92	+3.31	+2.49	+2.15
BNDX - Vanguard Total International Bond	+0.41	-0.65	+1.59	+5.21	+4.60	+4.03	+4.92
BND - Vanguard Total Bond Market	+0.67	+1.97	+5.64	+9.75	+5.18	+4.02	+3.79
EMB - iShares JP Morgan USD Em Mkts Bd	+6.27	-5.66	-2.91	+1.31	+2.14	+3.84	+5.30
TIP - iShares TIPS Bond	+0.65	+1.88	+5.38	+8.06	+4.31	+3.27	+3.41

(*) 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: 31 May 2020

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Period	Returns May 2020	Standard Deviation *	Max Drawdown	Months Pos - Neg
1M	+1.24%		0.00%	1 - 0
3M	+0.05%		-3.59% Mar 2020 - Mar 2020	2 - 1
6M	+0.49%		-4.42% Feb 2020 - Mar 2020	4 - 2
YTD	-0.56%		-4.42% Feb 2020 - Mar 2020	3 - 2
1Y	+4.63%	5.13%	-4.42% Feb 2020 - Mar 2020	10 - 2
3Y	+3.42% annualized	3.73%	-4.42% Feb 2020 - Mar 2020	27 - 9
5Y	+3.06% annualized	3.38%	-4.42% Feb 2020 - Mar 2020	42 - 18
10Y	+3.74% annualized	3.27%	-4.42% Feb 2020 - Mar 2020	85 - 35
MAX 01 Jan 2008	+3.56% annualized	4.10%	-9.99% May 2008 - Feb 2009	104 - 45

* Annualized St.Dev. of monthly returns

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

Portfolio	10Y Return ▾	#ETF	Stocks	Bonds
High Yield Bonds Income	+6.14%	4	0	100	Compare
10-year Treasury	+4.88%	1	0	100	Compare
Edge Select Conservative Merrill Lynch	+4.71%	12	21	79	Compare
Dimensional Retirement Income Fund DFA	+4.23%	7	20.4	79.6	Compare
Robo Advisor 20 Betterment	+3.74%	12	19.9	80.1

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Capital Growth

Time Range:

Drawdowns

Time Range:

Worst drawdowns since May 2010.

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-4.42%	Feb 2020	Mar 2020	2	in progress	2	4
-3.26%	Jun 2011	Sep 2011	4	Jan 2012	4	8
-2.69%	May 2015	Sep 2015	5	Apr 2016	7	12
-2.16%	May 2013	Jun 2013	2	Oct 2013	4	6
-2.11%	Feb 2018	Oct 2018	9	Jan 2019	3	12
-1.76%	May 2012	May 2012	1	Jul 2012	2	3
-1.31%	Oct 2016	Nov 2016	2	Feb 2017	3	5
-1.14%	Sep 2014	Sep 2014	1	Nov 2014	2	3
-0.96%	Nov 2010	Nov 2010	1	Dec 2010	1	2
-0.68%	May 2019	May 2019	1	Jun 2019	1	2
-0.56%	Dec 2014	Dec 2014	1	Jan 2015	1	2
-0.54%	Jan 2014	Jan 2014	1	Feb 2014	1	2
-0.41%	Jul 2014	Jul 2014	1	Aug 2014	1	2
-0.07%	Oct 2012	Oct 2012	1	Nov 2012	1	2
-0.06%	Jun 2010	Jun 2010	1	Jul 2010	1	2
-0.04%	May 2016	May 2016	1	Jun 2016	1	2
-0.04%	Aug 2010	Aug 2010	1	Sep 2010	1	2

Worst drawdowns since December 2007.

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-9.99%	May 2008	Feb 2009	10	Jul 2009	5	15
-4.42%	Feb 2020	Mar 2020	2	in progress	2	4
-3.26%	Jun 2011	Sep 2011	4	Jan 2012	4	8
-2.69%	May 2015	Sep 2015	5	Apr 2016	7	12
-2.16%	May 2013	Jun 2013	2	Oct 2013	4	6
-2.11%	Feb 2018	Oct 2018	9	Jan 2019	3	12
-1.76%	May 2012	May 2012	1	Jul 2012	2	3
-1.60%	May 2010	Jun 2010	2	Jul 2010	1	3
-1.31%	Oct 2016	Nov 2016	2	Feb 2017	3	5
-1.14%	Sep 2014	Sep 2014	1	Nov 2014	2	3
-0.96%	Nov 2010	Nov 2010	1	Dec 2010	1	2
-0.68%	May 2019	May 2019	1	Jun 2019	1	2
-0.56%	Dec 2014	Dec 2014	1	Jan 2015	1	2
-0.56%	Oct 2009	Oct 2009	1	Nov 2009	1	2
-0.54%	Jan 2014	Jan 2014	1	Feb 2014	1	2
-0.41%	Jul 2014	Jul 2014	1	Aug 2014	1	2
-0.14%	Jan 2010	Jan 2010	1	Feb 2010	1	2
-0.13%	Mar 2008	Mar 2008	1	Apr 2008	1	2
-0.07%	Oct 2012	Oct 2012	1	Nov 2012	1	2
-0.04%	Aug 2010	Aug 2010	1	Sep 2010	1	2

Rolling Returns

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	+3.96%	+17.16% Mar 2009 - Feb 2010	-9.69% Mar 2008 - Feb 2009	11.59%
2 Years	+4.02%	+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	+3.74%	+7.06% Mar 2009 - Feb 2014	+2.26% Jan 2014 - Dec 2018	0.00%
7 Years	+3.73%	+5.24% Mar 2009 - Feb 2016	+2.69% Apr 2013 - Mar 2020	0.00%
10 Years	+3.96%	+4.86% Mar 2009 - Feb 2019	+3.27% Apr 2010 - Mar 2020	0.00%

* Annualized rolling and average returns over full calendar month periods

Yearly Returns - Monthly Returns Heatmap

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		Months
Year	Return	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2020	-0.56%	0.3	-0.9	-3.6	2.5	1.2
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