Data Source: from January 1995 to December 2021
Last Update: 31 December 2021
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 7.69% compound annual return, with a 7.52% standard deviation.
In the last 25 years, a 7.63% compound annual return, with a 9.18% standard deviation.
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 % | VOE | Vanguard 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(*) | 20Y(*) | 25Y(*) | |
|---|---|---|---|---|---|---|---|---|---|
| Betterment Robo Advisor 50 Portfolio | +2.25 | +3.00 | +1.78 | +7.95 | +11.54 | +8.44 | +7.69 | +7.60 | +7.63 |
| --- Inflation Adjusted return | +1.77 | +0.77 | -1.56 | +0.77 | +7.74 | +5.37 | +5.46 | +5.17 | +5.22 |
| Components | |||||||||
|
VTI Vanguard Total Stock Market |
+3.79 | +9.11 | +9.08 | +25.67 | +25.73 | +17.96 | +16.29 | +9.91 | +9.88 |
|
EFA iShares MSCI EAFE |
+4.41 | +2.84 | +1.71 | +11.46 | +13.53 | +9.55 | +7.92 | +6.26 | +5.22 |
|
EEM iShares MSCI Emerging Markets |
+1.53 | -1.57 | -10.09 | -3.61 | +10.06 | +9.16 | +4.73 | +8.87 | +5.94 |
|
VTV Vanguard Value |
+6.95 | +9.34 | +8.31 | +26.51 | +17.58 | +12.48 | +13.74 | +8.48 | +8.66 |
|
VOE Vanguard Mid-Cap Value |
+6.15 | +8.30 | +8.05 | +28.76 | +19.09 | +11.60 | +13.57 | +10.46 | +10.64 |
|
IJS iShares S&P Small-Cap 600 Value |
+4.12 | +4.30 | +0.09 | +30.53 | +18.47 | +10.04 | +13.33 | +9.82 | +10.48 |
|
BNDX Vanguard Total International Bond |
-0.74 | -0.14 | -0.17 | -2.28 | +3.32 | +3.03 | +3.80 | +4.96 | +5.22 |
|
BND Vanguard Total Bond Market |
-0.31 | -0.04 | -0.08 | -1.86 | +4.78 | +3.54 | +2.75 | +4.09 | +4.73 |
|
EMB iShares JP Morgan USD Em Mkts Bd |
+2.16 | +0.40 | -0.82 | -2.24 | +5.98 | +4.41 | +4.59 | +7.91 | +9.09 |
|
TIP iShares TIPS Bond |
+0.40 | +2.39 | +4.14 | +5.67 | +8.26 | +5.18 | +2.93 | +5.18 | +5.79 |
- a rebalancing of the components at the beginning of each year (i.e. at every January 1st)
- the reinvestment of dividends
Inflation is updated to Dec 2021. Current inflation (annualized) is 1Y: 7.12% , 3Y: 3.53% , 5Y: 2.92% , 10Y: 2.12% , 20Y: 2.31% , 25Y: 2.29%
In 2021, the portfolio granted a 2.80% dividend yield. If you are interested in getting periodic income, please refer to the Betterment Robo Advisor 50 Portfolio: Dividend Yield page.
Historical Returns
Historical returns and stats of Betterment Robo Advisor 50 Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.
| Period | Return Dec 2021 update |
Return Inflation Adjusted |
Standard Deviation(*) |
Max Drawdown |
Months Pos - Neg |
|---|---|---|---|---|---|
|
1M
Dec 2021
|
+2.25%
|
+1.77%
|
0.00%
|
1 - 0
|
|
|
3M
|
+3.00%
|
+0.77%
|
-1.52%
Nov 2021 - Nov 2021
|
2 - 1
|
|
|
6M
|
+1.78%
|
-1.56%
|
-2.64%
Sep 2021 - Sep 2021
|
4 - 2
|
|
|
YTD
|
+7.95%
|
+0.77%
|
5.00%
|
-2.64%
Sep 2021 - Sep 2021
|
9 - 3
75% pos
|
|
1Y
|
+7.95%
|
+0.77%
|
5.00%
|
-2.64%
Sep 2021 - Sep 2021
|
9 - 3
75% pos
|
|
3Y
|
+11.54%
annualized
|
+7.74%
annualized
|
9.89%
|
-13.31%
Jan 2020 - Mar 2020
|
26 - 10
72% pos
|
|
5Y
|
+8.44%
annualized
|
+5.37%
annualized
|
8.48%
|
-13.31%
Jan 2020 - Mar 2020
|
44 - 16
73% pos
|
|
10Y
|
+7.69%
annualized
|
+5.46%
annualized
|
7.52%
|
-13.31%
Jan 2020 - Mar 2020
|
84 - 36
70% pos
|
|
20Y
|
+7.60%
annualized
|
+5.17%
annualized
|
8.93%
|
-30.72%
Nov 2007 - Feb 2009
|
160 - 80
67% pos
|
|
25Y
|
+7.63%
annualized
|
+5.22%
annualized
|
9.18%
|
-30.72%
Nov 2007 - Feb 2009
|
196 - 104
65% pos
|
|
MAX
01 Jan 1995
|
+8.30%
annualized
|
+5.83%
annualized
|
8.96%
|
-30.72%
Nov 2007 - Feb 2009
|
215 - 109
66% pos
|
Portfolio efficiency
Is the Betterment Robo Advisor 50 Portfolio actually efficient, compared to other Lazy Portfolios?
Best Classic Portfolios, with Medium Risk, ordered by 25 Years annualized return.
25 Years Stats |
% Allocation |
||||||
|---|---|---|---|---|---|---|---|
| Portfolio | Return▾ | Drawdown | Stocks | Bonds | Comm. | ||
| Couch Potato Scott Burns |
+8.33% | -27.03% | 50 | 50 | 0 | Compare | |
| All Weather Portfolio Ray Dalio |
+7.89% | -12.19% | 30 | 55 | 15 | Compare | |
| Robo Advisor 50 Betterment |
+7.63% | -30.72% | 49.9 | 50.1 | 0 | ||
| Simplified Permanent Portfolio |
+7.48% | -13.28% | 25 | 50 | 25 | Compare | |
| Stocks/Bonds 40/60 |
+7.24% | -19.17% | 40 | 60 | 0 | Compare | |
Our overall ratings, assigned to the Betterment Robo Advisor 50 Portfolio. The portfolio is classified as Medium Risk.
Less than 25%
25% - 49.99%
50% - 74.99%
At least 75%
| Medium Risk Portfolios |
All Portfolios |
||
|---|---|---|---|
| 25 Years Ann. Return (Inflation Adjusted) |
+7.63%
(+5.22%) |
Excellent : 4 / 5
|
Good : 3.4 / 5
|
| Standard Deviation over 25 Years |
9.18% |
Poor : 1 / 5
|
Good : 3.6 / 5
|
| Maximum Drawdown over 25 Years |
-30.72% |
Poor : 1 / 5
|
Good : 3.1 / 5
|
| Easy to manage | 10 ETFs |
Poor : 1 / 5
|
Poor : 1 / 5
|
| Rating assigned considering all the Medium Risk Portfolios | Rating assigned considering all the Portfolios in the database |
Capital Growth
An investment of 1000$, since January 1997, now would be worth 6290.88$, with a total return of 529.09% (7.63% annualized).
The Inflation Adjusted Capital now would be 3572.12$, with a net total return of 257.21% (5.22% annualized).
Drawdowns
Worst drawdowns since January 1997 - Chart and Data
Drawdown period |
Recovery period |
Total |
||||
|---|---|---|---|---|---|---|
| Drawdown | Start | Bottom | #Months | End | #Months | #Months |
| -30.72% | Nov 2007 | Feb 2009 | 16 | Apr 2010 | 14 | 30 |
| -13.31% | Jan 2020 | Mar 2020 | 3 | Aug 2020 | 5 | 8 |
| -12.79% | May 1998 | Aug 1998 | 4 | Dec 1998 | 4 | 8 |
| -10.86% | May 2002 | Sep 2002 | 5 | May 2003 | 8 | 13 |
| -9.49% | May 2011 | Sep 2011 | 5 | Feb 2012 | 5 | 10 |
| -8.54% | Feb 2001 | Sep 2001 | 8 | Mar 2002 | 6 | 14 |
| -7.45% | Feb 2018 | Dec 2018 | 11 | Apr 2019 | 4 | 15 |
| -7.06% | May 2015 | Jan 2016 | 9 | Jul 2016 | 6 | 15 |
| -5.51% | May 2010 | Jun 2010 | 2 | Sep 2010 | 3 | 5 |
| -4.79% | Sep 2000 | Nov 2000 | 3 | Jan 2001 | 2 | 5 |
| -4.36% | Apr 2012 | May 2012 | 2 | Aug 2012 | 3 | 5 |
| -3.98% | Oct 1997 | Oct 1997 | 1 | Feb 1998 | 4 | 5 |
| -3.94% | Apr 2000 | May 2000 | 2 | Aug 2000 | 3 | 5 |
| -3.88% | May 2013 | Jun 2013 | 2 | Sep 2013 | 3 | 5 |
| -3.66% | Apr 2004 | Apr 2004 | 1 | Sep 2004 | 5 | 6 |
| -3.29% | Aug 1997 | Aug 1997 | 1 | Sep 1997 | 1 | 2 |
| -2.84% | Jan 2000 | Jan 2000 | 1 | Mar 2000 | 2 | 3 |
| -2.78% | May 2019 | May 2019 | 1 | Jun 2019 | 1 | 2 |
| -2.76% | May 2006 | May 2006 | 1 | Aug 2006 | 3 | 4 |
| -2.64% | Sep 2021 | Sep 2021 | 1 | Dec 2021 | 3 | 4 |
Rolling Returns ( more details)
Betterment Robo Advisor 50 Portfolio: annualized rolling and average returns
| Return (*) | Negative Periods |
|||
|---|---|---|---|---|
| Rolling Period | Average | Best | Worst | |
| 1 Year |
+8.58% |
+38.73% Mar 2009 - Feb 2010 |
-26.75% Mar 2008 - Feb 2009 |
15.97% |
| 2 Years |
+7.99% |
+25.98% Mar 2009 - Feb 2011 |
-12.50% Mar 2007 - Feb 2009 |
8.31% |
| 3 Years |
+7.75% |
+18.65% Mar 2009 - Feb 2012 |
-5.43% Mar 2006 - Feb 2009 |
2.77% |
| 5 Years |
+7.59% |
+14.97% Oct 2002 - Sep 2007 |
+0.88% Mar 2004 - Feb 2009 |
0.00% |
| 7 Years |
+7.48% |
+10.71% Sep 1998 - Aug 2005 |
+3.86% Mar 2002 - Feb 2009 |
0.00% |
| 10 Years |
+7.63% |
+10.66% Mar 1995 - Feb 2005 |
+4.87% Mar 1999 - Feb 2009 |
0.00% |
| 15 Years |
+7.51% |
+9.11% Apr 1995 - Mar 2010 |
+5.79% Apr 2005 - Mar 2020 |
0.00% |
| 20 Years |
+7.48% |
+8.92% Mar 1995 - Feb 2015 |
+5.98% Apr 2000 - Mar 2020 |
0.00% |
* Annualized rolling and average returns over full calendar month periods
If you need a deeper detail about rolling returns, please refer to the Betterment Robo Advisor 50 Portfolio: Rolling Returns page.
Seasonality
Betterment Robo Advisor 50 Portfolio Seasonality: in which months is it better to invest?
In the table below, the average monthly return is represented.
Below each return, it's also mentioned the probability of obtaining a positive monthly result (Win %).
Both the Average Return and the Gain Frequency are useful to get an idea of what happened in the past.
| Monthly Average Return (%) and Gain Frequency | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return (%) | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| Average Win % |
0.28 56% |
0.34 67% |
0.67 70% |
1.74 81% |
0.35 59% |
0.38 63% |
0.76 59% |
0.02 63% |
0.32 67% |
0.67 63% |
1.28 70% |
1.60 78% |
| Best Year |
5.2 2019 |
4.4 1998 |
5.7 2009 |
7.1 2009 |
5.5 2009 |
4.3 2019 |
5.9 2009 |
2.9 2000 |
4.9 2010 |
6.1 2011 |
6.7 2020 |
6.7 2008 |
| Worst Year |
-6.1 2009 |
-5.8 2009 |
-9.9 2020 |
-3.7 2004 |
-4.4 2010 |
-4.5 2008 |
-5.0 2002 |
-10.2 1998 |
-6.8 2008 |
-12.8 2008 |
-2.4 2000 |
-3.0 2018 |
For further information about the seasonality, check the Asset Class Seasonality page.
Monthly/Yearly Returns
Betterment Robo Advisor 50 Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?
Yearly Return(%) |
Monthly Return(%) |
|||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year | Total | Infl.Adj | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| 2021 |
+7.95 | +0.77 | -0.1 | 0.8 | 1.3 | 2.2 | 1.3 | 0.5 | 0.4 | 1.1 | -2.6 | 2.3 | -1.5 | 2.2 |
| 2020 |
+9.50 | +8.10 | -0.4 | -3.4 | -9.9 | 5.9 | 2.9 | 2.0 | 3.2 | 2.2 | -1.3 | -0.7 | 6.7 | 3.0 |
| 2019 |
+17.41 | +14.81 | 5.2 | 1.3 | 1.2 | 1.8 | -2.8 | 4.3 | 0.2 | -0.3 | 1.0 | 1.4 | 1.0 | 2.2 |
| 2018 |
-5.36 | -7.15 | 2.3 | -2.8 | 0.0 | -0.3 | 0.1 | -0.4 | 1.9 | 0.1 | 0.0 | -4.4 | 1.2 | -3.0 |
| 2017 |
+14.19 | +11.84 | 1.5 | 1.7 | 0.8 | 1.1 | 1.2 | 0.3 | 1.7 | 0.7 | 1.0 | 1.2 | 1.0 | 1.2 |
| 2016 |
+8.00 | +5.83 | -2.2 | 0.2 | 4.7 | 0.8 | 0.1 | 1.5 | 2.5 | 0.4 | 0.6 | -1.6 | -0.3 | 1.2 |
| 2015 |
-1.55 | -2.18 | 0.2 | 2.5 | -0.4 | 1.2 | -0.3 | -1.8 | 0.4 | -3.7 | -1.6 | 3.8 | -0.1 | -1.6 |
| 2014 |
+5.47 | +4.79 | -1.8 | 2.9 | 0.7 | 0.7 | 1.8 | 1.2 | -0.8 | 2.0 | -2.4 | 1.5 | 0.8 | -0.9 |
| 2013 |
+10.19 | +8.55 | 1.6 | 0.3 | 1.3 | 2.0 | -1.5 | -2.4 | 2.8 | -2.0 | 3.6 | 2.7 | 0.8 | 0.9 |
| 2012 |
+13.19 | +11.23 | 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 |
+1.17 | -1.84 | 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 |
+11.61 | +10.03 | -1.6 | 1.3 | 3.7 | 1.0 | -4.4 | -1.2 | 4.7 | -0.9 | 4.9 | 2.2 | -1.7 | 3.4 |
| 2009 |
+23.06 | +19.69 | -6.1 | -5.8 | 5.7 | 7.1 | 5.5 | 0.1 | 5.9 | 2.5 | 4.0 | -1.5 | 3.5 | 1.1 |
| 2008 |
-19.44 | -19.42 | -2.3 | -0.4 | -0.6 | 2.4 | 0.7 | -4.5 | -0.7 | -0.1 | -6.8 | -12.8 | -1.5 | 6.7 |
| 2007 |
+8.19 | +3.92 | 0.6 | 0.1 | 1.3 | 2.1 | 1.4 | -0.6 | -1.1 | 0.7 | 3.5 | 2.8 | -2.1 | -0.6 |
| 2006 |
+13.22 | +10.43 | 3.2 | -0.1 | 0.8 | 1.6 | -2.8 | 0.1 | 1.1 | 1.9 | 0.8 | 2.6 | 2.3 | 1.1 |
| 2005 |
+9.54 | +6.00 | -0.7 | 1.9 | -1.8 | -0.3 | 1.9 | 1.4 | 1.9 | 1.1 | 1.6 | -2.4 | 2.4 | 2.1 |
| 2004 |
+12.75 | +9.10 | 1.5 | 1.6 | 0.5 | -3.7 | 0.6 | 1.6 | -1.3 | 1.8 | 1.7 | 1.7 | 3.4 | 2.7 |
| 2003 |
+24.96 | +22.47 | -0.9 | 0.0 | -0.2 | 5.3 | 4.7 | 1.0 | 0.0 | 2.4 | 1.4 | 3.5 | 1.3 | 4.1 |
| 2002 |
-2.56 | -4.92 | -0.2 | 0.9 | 2.0 | 0.3 | -0.2 | -3.4 | -5.0 | 1.8 | -4.4 | 3.1 | 3.3 | -0.3 |
| 2001 |
+1.49 | -0.12 | 3.2 | -3.4 | -2.7 | 3.5 | 0.6 | -0.7 | -0.2 | -0.7 | -5.1 | 2.9 | 2.9 | 1.5 |
| 2000 |
+1.53 | -1.85 | -2.8 | 1.9 | 3.2 | -2.5 | -1.5 | 2.6 | -0.4 | 2.9 | -1.6 | -0.9 | -2.4 | 3.2 |
| 1999 |
+17.87 | +14.80 | 0.7 | -1.7 | 3.5 | 5.1 | -2.5 | 2.7 | -0.9 | -0.5 | 0.2 | 2.8 | 2.5 | 5.0 |
| 1998 |
+8.83 | +7.11 | 0.2 | 4.4 | 2.2 | 0.8 | -2.0 | -0.3 | -0.6 | -10.2 | 4.4 | 5.4 | 3.0 | 2.2 |
| 1997 |
+10.06 | +8.22 | 0.8 | 0.8 | -2.4 | 1.4 | 4.6 | 3.1 | 3.2 | -3.3 | 4.0 | -4.0 | 0.6 | 1.2 |
| 1996 |
+13.19 | +9.49 | 2.1 | -0.9 | 0.8 | 1.8 | 0.7 | 0.5 | -1.8 | 1.7 | 3.0 | 1.2 | 4.0 | -0.6 |
| 1995 |
+20.93 | +17.94 | -0.3 | 0.8 | 1.2 | 3.1 | 3.8 | 0.7 | 2.4 | 0.7 | 2.0 | -0.6 | 3.0 | 2.6 |
* 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:
- VTI - Vanguard Total Stock Market: simulated historical serie, up to December 2001
- EFA - iShares MSCI EAFE: simulated historical serie, up to December 2001
- EEM - iShares MSCI Emerging Markets: simulated historical serie, up to December 2003
- VTV - Vanguard Value: simulated historical serie, up to December 2004
- VOE - Vanguard Mid-Cap Value: simulated historical serie, up to December 2006
- IJS - iShares S&P Small-Cap 600 Value: simulated historical serie, up to December 2000
- BNDX - Vanguard Total International Bond: simulated historical serie, up to December 2013
- BND - Vanguard Total Bond Market: simulated historical serie, up to December 2007
- EMB - iShares JP Morgan USD Em Mkts Bd: simulated historical serie, up to December 2007
- TIP - iShares TIPS Bond: simulated historical serie, up to December 2003