Last Update: 31 May 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 6.58% compound annual return, with a 7.91% 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

Portfolio and ETF Returns

The Betterment Robo Advisor 50 Portfolio guaranteed the following returns.

BETTERMENT ROBO ADVISOR 50 PORTFOLIO RETURNS (%)
Last Update: 31 May 2020
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*)
Betterment Robo Advisor 50 Portfolio +2.93 -1.85 -3.68 +3.71 +3.94 +4.28 +6.58
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
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 50 Portfolio: Dividend Yield page.

Historical Returns

Betterment Robo Advisor 50 Portfolio - Historical returns and stats.

BETTERMENT ROBO ADVISOR 50 PORTFOLIO
Last Update: 31 May 2020
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Period Returns
May 2020		 Standard
Deviation *		 Max
Drawdown		 Months
Pos - Neg
1M
+2.93%
0.00%
1 - 0
3M
-1.85%
-9.91%
Mar 2020 - Mar 2020
2 - 1
6M
-3.68%
-13.47%
Jan 2020 - Mar 2020
3 - 3
YTD
-5.73%
-13.47%
Jan 2020 - Mar 2020
2 - 3
1Y
+3.71%
13.36%
-13.47%
Jan 2020 - Mar 2020
8 - 4
3Y
+3.94%
annualized
9.50%
-13.47%
Jan 2020 - Mar 2020
25 - 11
5Y
+4.28%
annualized
8.38%
-13.47%
Jan 2020 - Mar 2020
41 - 19
10Y
+6.58%
annualized
7.91%
-13.47%
Jan 2020 - Mar 2020
80 - 40
MAX
01 Jan 2008
+5.18%
annualized
9.91%
-28.85%
Jan 2008 - Feb 2009
95 - 54

* Annualized St.Dev. of monthly returns

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

Portfolio 10Y Return ▾ #ETF Stocks Bonds Comm.
Couch Potato
Scott Burns		 +8.35% 2 50 50 0 Compare
All Weather Portfolio
Ray Dalio		 +7.78% 5 30 55 15 Compare
Stocks/Bonds 40/60
 +7.57% 2 40 60 0 Compare
Permanent Portfolio
Harry Browne		 +6.73% 4 25 50 25 Compare
Edge Select Moderately Conservative
Merrill Lynch		 +6.71% 12 37 63 0 Compare

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns

Betterment Robo Advisor 50 Portfolio: annualized rolling and average returns

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Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
 +6.87% +38.86%
Mar 2009 - Feb 2010 		-26.87%
Mar 2008 - Feb 2009 		19.57%
2 Years
 +7.28% +26.02%
Mar 2009 - Feb 2011 		-1.67%
Apr 2018 - Mar 2020 		3.17%
3 Years
 +7.30% +18.64%
Mar 2009 - Feb 2012 		+1.77%
Apr 2017 - Mar 2020 		0.00%
5 Years
 +7.06% +14.67%
Mar 2009 - Feb 2014 		+2.69%
Apr 2015 - Mar 2020 		0.00%
7 Years
 +7.06% +10.38%
Mar 2009 - Feb 2016 		+4.00%
Apr 2013 - Mar 2020 		0.00%
10 Years
 +7.24% +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
 -5.73% -0.5 -3.5 -9.9 5.9 2.9
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

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