Last Update: 30 September 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 6.45% compound annual return, with a 7.75% 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:
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.
| 1M | 3M | 6M | 1Y | 3Y(*) | 5Y(*) | 10Y(*) | |
|---|---|---|---|---|---|---|---|
| Betterment Robo Advisor 50 Portfolio | -1.37 | +4.07 | +15.70 | +4.68 | +4.78 | +6.99 | +6.45 |
| Components | |||||||
| VTI - Vanguard Total Stock Market | -3.54 | +9.24 | +33.25 | +14.90 | +11.63 | +13.68 | +13.48 |
| EFA - iShares MSCI EAFE | -2.05 | +4.57 | +20.74 | +0.09 | +0.48 | +5.08 | +4.54 |
| EEM - iShares MSCI Emerging Markets | -1.01 | +10.25 | +29.94 | +10.81 | +1.84 | +8.47 | +1.94 |
| VTV - Vanguard Value | -2.22 | +5.67 | +19.09 | -3.46 | +4.35 | +9.25 | +10.79 |
| JKI - iShares Morningstar Mid-Cap Value | -2.71 | +4.54 | +24.25 | -15.68 | -1.98 | +5.41 | +9.18 |
| IJS - iShares S&P Small-Cap 600 Value | -5.18 | +2.19 | +23.62 | -16.76 | -4.57 | +4.83 | +8.70 |
| BNDX - Vanguard Total International Bond | +0.86 | +1.04 | +3.95 | +2.21 | +5.10 | +4.36 | +4.58 |
| BND - Vanguard Total Bond Market | -0.10 | +0.40 | +4.56 | +7.06 | +5.26 | +4.17 | +3.50 |
| EMB - iShares JP Morgan USD Em Mkts Bd | -2.08 | +2.43 | +17.03 | +2.02 | +3.20 | +5.77 | +4.75 |
| TIP - iShares TIPS Bond | -0.38 | +2.85 | +7.70 | +9.73 | +5.66 | +4.47 | +3.42 |
- 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.
| Period | Returns Sep 2020 |
Standard Deviation * |
Max Drawdown |
Months Pos - Neg |
|---|---|---|---|---|
|
1M
|
-1.37%
|
-1.37%
Sep 2020 - Sep 2020
|
0 - 1 | |
|
3M
|
+4.07%
|
-1.37%
Sep 2020 - Sep 2020
|
2 - 1 | |
|
6M
|
+15.70%
|
-1.37%
Sep 2020 - Sep 2020
|
5 - 1 | |
|
YTD
|
+0.11%
|
-13.47%
Jan 2020 - Mar 2020
|
5 - 4 | |
|
1Y
|
+4.68%
|
13.40%
|
-13.47%
Jan 2020 - Mar 2020
|
8 - 4 |
|
3Y
|
+4.78%
annualized
|
9.76%
|
-13.47%
Jan 2020 - Mar 2020
|
24 - 12 |
|
5Y
|
+6.99%
annualized
|
8.25%
|
-13.47%
Jan 2020 - Mar 2020
|
43 - 17 |
|
10Y
|
+6.45%
annualized
|
7.75%
|
-13.47%
Jan 2020 - Mar 2020
|
81 - 39 |
|
MAX
01 Jan 2008
|
+5.54%
annualized
|
9.84%
|
-28.85%
Jan 2008 - Feb 2009
|
98 - 55 |
* 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 |
+8.67% | 50 | 50 | 0 | Compare | |
| Stocks/Bonds 40/60 |
+7.64% | 40 | 60 | 0 | Compare | |
| All Weather Portfolio Ray Dalio |
+7.44% | 30 | 55 | 15 | Compare | |
| Permanent Portfolio Harry Browne |
+6.62% | 25 | 50 | 25 | Compare | |
| Edge Select Moderately Conservative Merrill Lynch |
+6.58% | 37 | 63 | 0 | Compare |
Capital Growth
Drawdowns
Rolling Returns
Betterment Robo Advisor 50 Portfolio: annualized rolling and average returns
| Return (*) | Negative Periods |
|||
|---|---|---|---|---|
| Rolling Period | Average | Best | Worst | |
| 1 Year |
+6.80% |
+38.86% Mar 2009 - Feb 2010 |
-26.87% Mar 2008 - Feb 2009 |
19.01% |
| 2 Years |
+7.21% |
+26.02% Mar 2009 - Feb 2011 |
-1.67% Apr 2018 - Mar 2020 |
3.08% |
| 3 Years |
+7.22% |
+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 |
+7.00% |
+10.38% Mar 2009 - Feb 2016 |
+4.00% Apr 2013 - Mar 2020 |
0.00% |
| 10 Years |
+7.19% |
+9.75% Mar 2009 - Feb 2019 |
+5.31% Apr 2010 - Mar 2020 |
0.00% |
* Annualized rolling and average returns over full calendar month periods
Seasonality and Yearly/Monthly Returns
Betterment Robo Advisor 50 Portfolio Seasonality
| Months | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return (%) | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| Average | 0.0 | 0.1 | 0.6 | 2.0 | -0.1 | 0.1 | 1.8 | -0.1 | 0.0 | -0.1 | 0.4 | 1.1 |
| Best |
5.2 2019 |
2.9 2014 |
5.8 2009 |
7.2 2009 |
5.5 2009 |
4.3 2019 |
5.9 2009 |
2.6 2009 |
4.9 2010 |
6.1 2011 |
3.5 2009 |
6.6 2008 |
| Worst |
-6.2 2009 |
-5.9 2009 |
-9.9 2020 |
-0.2 2018 |
-4.4 2010 |
-4.6 2008 |
-0.9 2014 |
-3.7 2015 |
-6.7 2008 |
-12.7 2008 |
-1.7 2010 |
-3.0 2018 |
| Gain Frequency |
54 | 69 | 69 | 85 | 54 | 54 | 77 | 54 | 62 | 58 | 58 | 75 |
Detail of Monthly Returns
| Months | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year | Return | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| 2020 |
+0.11% | -0.5 | -3.5 | -9.9 | 5.9 | 2.9 | 2.0 | 3.2 | 2.3 | -1.4 | |||
| 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