Betterment Robo Advisor 50 Portfolio: ETF allocation and returns

Last Update: 31 July 2020

The Betterment Robo Advisor 50 Portfolio is exposed for 49.9% on the Stock Market.

It's a Medium Risk portfolio and it can be replicated with 10 ETFs.

In the last 10 years, the portfolio obtained a 6.77% compound annual return, with a 7.84% standard deviation.

In 2019, the portfolio granted a 3.22% dividend yield. If you are interested in getting periodic income, please refer to the Betterment Robo Advisor 50 Portfolio: Dividend Yield page.

Asset Allocation and ETFs

The Betterment Robo Advisor 50 Portfolio has the following asset allocation:

        49.9% Stocks
      
        50.1% Fixed Income
      
        0% Commodities

The Betterment Robo Advisor 50 Portfolio can be replicated with the following ETFs:

Weight	Ticker	ETF Name	Investment Themes
16.20 %	VTI	Vanguard Total Stock Market	Equity, U.S., Large Cap
13.70 %	EFA	iShares MSCI EAFE	Equity, EAFE, Large Cap
9.00 %	EEM	iShares MSCI Emerging Markets	Equity, Emerging Markets, Large Cap
4.40 %	VTV	Vanguard Value	Equity, U.S., Large Cap, Value
3.60 %	JKI	iShares Morningstar Mid-Cap Value	Equity, U.S., Mid Cap
3.00 %	IJS	iShares S&P Small-Cap 600 Value	Equity, U.S., Small Cap, Value
18.40 %	BNDX	Vanguard Total International Bond	Bond, Developed Markets, All-Term
14.70 %	BND	Vanguard Total Bond Market	Bond, U.S., All-Term
10.70 %	EMB	iShares JP Morgan USD Em Mkts Bd	Bond, Emerging Markets, All-Term
6.30 %	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 50 Portfolio guaranteed the following returns.

BETTERMENT ROBO ADVISOR 50 PORTFOLIO RETURNS (%)

Last Update: 31 July 2020

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	1M	3M	6M	1Y	*3Y^()**	*5Y^()**	*10Y^()**
Betterment Robo Advisor 50 Portfolio	+3.17	+8.35	-0.28	+4.51	+5.06	+5.67	+6.77
*Components*
VTI - Vanguard Total Stock Market	+5.74	+14.00	+2.15	+10.85	+11.37	+10.87	+13.59
EFA - iShares MSCI EAFE	+1.94	+11.24	-6.75	-1.27	+0.40	+2.02	+4.87
EEM - iShares MSCI Emerging Markets	+8.25	+18.84	+3.40	+6.45	+1.99	+5.42	+2.55
VTV - Vanguard Value	+3.74	+5.64	-10.15	-4.86	+4.57	+6.99	+10.91
JKI - iShares Morningstar Mid-Cap Value	+3.16	+8.85	-18.08	-15.74	-1.94	+3.59	+9.41
IJS - iShares S&P Small-Cap 600 Value	+2.58	+8.95	-17.23	-16.33	-2.69	+3.13	+8.97
BNDX - Vanguard Total International Bond	+0.95	+1.91	+1.50	+3.83	+5.25	+4.36	+4.88
BND - Vanguard Total Bond Market	+1.45	+2.82	+5.88	+10.55	+5.76	+4.51	+3.77
EMB - iShares JP Morgan USD Em Mkts Bd	+3.86	+13.65	-0.37	+3.89	+4.29	+5.60	+5.34
TIP - iShares TIPS Bond	+2.33	+4.01	+6.24	+10.48	+5.59	+4.05	+3.65

(*) 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 50 Portfolio: Dividend Yield page.

Historical Returns

Betterment Robo Advisor 50 Portfolio - Historical returns and stats.

BETTERMENT ROBO ADVISOR 50 PORTFOLIO

Last Update: 31 July 2020

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Period	Returns Jul 2020	Standard Deviation *	Max Drawdown	Months Pos - Neg
1M	+3.17%		0.00%	1 - 0
3M	+8.35%		0.00%	3 - 0
6M	-0.28%		-13.05% Feb 2020 - Mar 2020	4 - 2
YTD	-0.76%		-13.47% Jan 2020 - Mar 2020	4 - 3
1Y	+4.51%	13.19%	-13.47% Jan 2020 - Mar 2020	8 - 4
3Y	+5.06% annualized	9.65%	-13.47% Jan 2020 - Mar 2020	25 - 11
5Y	+5.67% annualized	8.44%	-13.47% Jan 2020 - Mar 2020	42 - 18
10Y	+6.77% annualized	7.84%	-13.47% Jan 2020 - Mar 2020	81 - 39
MAX 01 Jan 2008	+5.54% annualized	9.88%	-28.85% Jan 2008 - Feb 2009	97 - 54

* Annualized St.Dev. of monthly returns

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

Portfolio	10Y Return ▾	Stocks	Bonds	Comm.
Couch Potato Scott Burns	+8.84%	50	50	0	Compare
All Weather Portfolio Ray Dalio	+8.11%	30	55	15	Compare
Stocks/Bonds 40/60	+7.85%	40	60	0	Compare
Permanent Portfolio Harry Browne	+7.36%	25	50	25	Compare
Edge Select Moderately Conservative Merrill Lynch	+6.83%	37	63	0	Compare

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Capital Growth

Time Range:

Drawdowns

Time Range:

Worst drawdowns since July 2010.

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-13.47%	Jan 2020	Mar 2020	3	in progress	4	7
-9.51%	May 2011	Sep 2011	5	Feb 2012	5	10
-7.37%	Feb 2018	Dec 2018	11	Apr 2019	4	15
-7.02%	May 2015	Jan 2016	9	Jul 2016	6	15
-4.39%	Apr 2012	May 2012	2	Aug 2012	3	5
-3.81%	May 2013	Jun 2013	2	Sep 2013	3	5
-2.79%	May 2019	May 2019	1	Jun 2019	1	2
-2.46%	Sep 2014	Sep 2014	1	Feb 2015	5	6
-1.86%	Jan 2014	Jan 2014	1	Feb 2014	1	2
-1.68%	Oct 2016	Nov 2016	2	Jan 2017	2	4
-1.67%	Nov 2010	Nov 2010	1	Dec 2010	1	2
-0.90%	Aug 2010	Aug 2010	1	Sep 2010	1	2
-0.87%	Jul 2014	Jul 2014	1	Aug 2014	1	2
-0.43%	Mar 2015	Mar 2015	1	Apr 2015	1	2
-0.34%	Aug 2019	Aug 2019	1	Sep 2019	1	2
-0.15%	Oct 2012	Oct 2012	1	Nov 2012	1	2

Worst drawdowns since December 2007.

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-28.85%	Jan 2008	Feb 2009	14	Mar 2010	13	27
-13.47%	Jan 2020	Mar 2020	3	in progress	4	7
-9.51%	May 2011	Sep 2011	5	Feb 2012	5	10
-7.37%	Feb 2018	Dec 2018	11	Apr 2019	4	15
-7.02%	May 2015	Jan 2016	9	Jul 2016	6	15
-5.55%	May 2010	Jun 2010	2	Sep 2010	3	5
-4.39%	Apr 2012	May 2012	2	Aug 2012	3	5
-3.81%	May 2013	Jun 2013	2	Sep 2013	3	5
-2.79%	May 2019	May 2019	1	Jun 2019	1	2
-2.46%	Sep 2014	Sep 2014	1	Feb 2015	5	6
-1.86%	Jan 2014	Jan 2014	1	Feb 2014	1	2
-1.68%	Oct 2016	Nov 2016	2	Jan 2017	2	4
-1.67%	Nov 2010	Nov 2010	1	Dec 2010	1	2
-0.87%	Jul 2014	Jul 2014	1	Aug 2014	1	2
-0.43%	Mar 2015	Mar 2015	1	Apr 2015	1	2
-0.34%	Aug 2019	Aug 2019	1	Sep 2019	1	2
-0.15%	Oct 2012	Oct 2012	1	Nov 2012	1	2

Rolling Returns

Betterment Robo Advisor 50 Portfolio: annualized rolling and average returns

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	*Return ()**			Negative Periods
Rolling Period	Average	Best	Worst	Negative Periods
1 Year	+6.81%	+38.86% Mar 2009 - Feb 2010	-26.87% Mar 2008 - Feb 2009	19.29%
2 Years	+7.24%	+26.02% Mar 2009 - Feb 2011	-1.67% Apr 2018 - Mar 2020	3.13%
3 Years	+7.26%	+18.64% Mar 2009 - Feb 2012	+1.77% Apr 2017 - Mar 2020	0.00%
5 Years	+7.03%	+14.67% Mar 2009 - Feb 2014	+2.69% Apr 2015 - Mar 2020	0.00%
7 Years	+7.02%	+10.38% Mar 2009 - Feb 2016	+4.00% Apr 2013 - Mar 2020	0.00%
10 Years	+7.22%	+9.75% Mar 2009 - Feb 2019	+5.31% 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	-0.76%	-0.5	-3.5	-9.9	5.9	2.9	2.0	3.2
2019	+17.29%	5.2	1.2	1.2	1.7	-2.8	4.3	0.2	-0.3	1.1	1.4	1.0	2.2
2018	-5.31%	2.2	-2.8	0.0	-0.2	0.2	-0.4	1.9	0.1	0.0	-4.4	1.2	-3.0
2017	+14.03%	1.5	1.7	0.8	1.1	1.2	0.3	1.7	0.6	1.0	1.2	1.0	1.2
2016	+8.32%	-2.2	0.3	4.7	0.8	0.1	1.5	2.5	0.4	0.6	-1.5	-0.2	1.2
2015	-1.57%	0.2	2.5	-0.4	1.2	-0.3	-1.8	0.4	-3.7	-1.5	3.8	-0.1	-1.5
2014	+5.37%	-1.9	2.9	0.7	0.7	1.8	1.2	-0.9	2.0	-2.5	1.4	0.7	-0.9
2013	+10.33%	1.6	0.3	1.3	2.0	-1.5	-2.4	2.9	-2.1	3.6	2.7	0.8	0.9
2012	+13.22%	3.7	2.5	0.5	-0.1	-4.3	3.0	1.2	1.5	2.1	-0.2	1.1	1.7
2011	+1.09%	0.4	1.7	0.6	2.5	-0.4	-0.8	-0.1	-3.2	-5.2	6.1	-0.7	0.7
2010	+11.57%	-1.7	1.4	3.7	1.1	-4.4	-1.2	4.8	-0.9	4.9	2.2	-1.7	3.4
2009	+22.95%	-6.2	-5.9	5.8	7.2	5.5	0.1	5.9	2.6	3.9	-1.5	3.5	1.1
2008	-19.41%	-2.3	-0.5	-0.6	2.4	0.6	-4.6	-0.7	-0.1	-6.7	-12.7	-1.5	6.6

* 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