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:

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: 30 September 2020
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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
(*) 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: 30 September 2020
Swipe left to see all data
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

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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
+6.80% +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

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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

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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

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