Data Source: from January 1996 to September 2021
Last Update: 30 September 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 8.01% compound annual return, with a 7.67% standard deviation.
In the last 25 years, a 7.7% compound annual return, with a 9.18% standard deviation.
In 2020, the portfolio granted a 2.06% 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 % | 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 | -2.64 | -1.18 | +2.78 | +14.35 | +8.14 | +7.67 | +8.01 | +7.83 | +7.70 |
| Components | |||||||||
|
VTI Vanguard Total Stock Market |
-4.46 | -0.03 | +8.10 | +32.16 | +16.05 | +16.88 | +16.60 | +10.07 | +9.79 |
|
EFA iShares MSCI EAFE |
-3.26 | -1.10 | +4.22 | +25.44 | +7.53 | +8.64 | +8.13 | +6.44 | +5.10 |
|
EEM iShares MSCI Emerging Markets |
-3.87 | -8.65 | -5.14 | +15.96 | +7.76 | +8.29 | +5.81 | +10.20 | +6.12 |
|
VTV Vanguard Value |
-3.94 | -0.95 | +4.14 | +32.59 | +9.86 | +12.14 | +14.05 | +8.41 | +8.67 |
|
VOE Vanguard Mid-Cap Value |
-3.79 | -0.23 | +4.44 | +40.42 | +9.85 | +10.81 | +14.13 | +10.63 | +10.68 |
|
IJS iShares S&P Small-Cap 600 Value |
-1.46 | -4.03 | +0.66 | +66.24 | +8.16 | +11.74 | +14.78 | +10.60 | +10.64 |
|
BNDX Vanguard Total International Bond |
-1.08 | -0.03 | +0.15 | -1.08 | +3.98 | +2.63 | +4.08 | +5.06 | +5.33 |
|
BND Vanguard Total Bond Market |
-1.01 | -0.05 | +1.88 | -1.04 | +5.36 | +2.88 | +2.88 | +4.09 | +4.86 |
|
EMB iShares JP Morgan USD Em Mkts Bd |
-2.64 | -1.22 | +3.01 | +3.20 | +5.43 | +3.36 | +5.14 | +8.56 | +9.45 |
|
TIP iShares TIPS Bond |
-0.78 | +1.71 | +4.97 | +4.88 | +7.23 | +4.13 | +2.97 | +4.99 | +5.88 |
- 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 2021 |
Standard Deviation * |
Max Drawdown |
Months Pos - Neg |
|---|---|---|---|---|
|
1M
|
-2.64%
|
-2.64%
Sep 2021 - Sep 2021
|
0 - 1 | |
|
3M
|
-1.18%
|
-2.64%
Sep 2021 - Sep 2021
|
2 - 1 | |
|
6M
|
+2.78%
|
-2.64%
Sep 2021 - Sep 2021
|
5 - 1 | |
|
YTD
|
+4.80%
|
-2.64%
Sep 2021 - Sep 2021
|
7 - 2 | |
|
1Y
|
+14.35%
|
7.53%
|
-2.64%
Sep 2021 - Sep 2021
|
9 - 3 |
|
3Y
|
+8.14%
annualized
|
10.43%
|
-13.31%
Jan 2020 - Mar 2020
|
25 - 11 |
|
5Y
|
+7.67%
annualized
|
8.44%
|
-13.31%
Jan 2020 - Mar 2020
|
43 - 17 |
|
10Y
|
+8.01%
annualized
|
7.67%
|
-13.31%
Jan 2020 - Mar 2020
|
84 - 36 |
|
20Y
|
+7.83%
annualized
|
8.93%
|
-30.72%
Nov 2007 - Feb 2009
|
161 - 79 |
|
25Y
|
+7.70%
annualized
|
9.18%
|
-30.72%
Nov 2007 - Feb 2009
|
196 - 104 |
|
MAX
01 Jan 1996
|
+7.80%
annualized
|
9.09%
|
-30.72%
Nov 2007 - Feb 2009
|
203 - 106 |
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 |
+8.32% | -27.03% | 50 | 50 | 0 | Compare | |
| All Weather Portfolio Ray Dalio |
+7.92% | -12.19% | 30 | 55 | 15 | Compare | |
| Robo Advisor 50 Betterment |
+7.70% | -30.72% | 49.9 | 50.1 | 0 | ||
| Stocks/Bonds 40/60 |
+7.27% | -19.17% | 40 | 60 | 0 | Compare | |
| Dynamic 40/60 Income |
+7.22% | -29.85% | 40 | 60 | 0 | Compare | |
Capital Growth
Drawdowns
Rolling Returns ( more details)
Betterment Robo Advisor 50 Portfolio: annualized rolling and average returns
| Return (*) | Negative Periods |
|||
|---|---|---|---|---|
| Rolling Period | Average | Best | Worst | |
| 1 Year |
+8.19% |
+38.73% Mar 2009 - Feb 2010 |
-26.75% Mar 2008 - Feb 2009 |
16.78% |
| 2 Years |
+7.65% |
+25.98% Mar 2009 - Feb 2011 |
-12.50% Mar 2007 - Feb 2009 |
8.74% |
| 3 Years |
+7.49% |
+18.65% Mar 2009 - Feb 2012 |
-5.43% Mar 2006 - Feb 2009 |
2.92% |
| 5 Years |
+7.35% |
+14.97% Oct 2002 - Sep 2007 |
+0.88% Mar 2004 - Feb 2009 |
0.00% |
| 7 Years |
+7.41% |
+10.71% Sep 1998 - Aug 2005 |
+3.86% Mar 2002 - Feb 2009 |
0.00% |
| 10 Years |
+7.47% |
+9.88% May 1997 - Apr 2007 |
+4.87% Mar 1999 - Feb 2009 |
0.00% |
| 15 Years |
+7.43% |
+8.68% Feb 2003 - Jan 2018 |
+5.79% Apr 2005 - Mar 2020 |
0.00% |
| 20 Years |
+7.30% |
+8.01% Sep 1998 - Aug 2018 |
+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 and Yearly/Monthly Returns
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 % |
0.30 58% |
0.33 65% |
0.65 69% |
1.69 81% |
0.22 58% |
0.37 62% |
0.70 58% |
-0.01 62% |
0.25 65% |
0.65 64% |
1.32 72% |
1.53 76% |
| 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 |
-5.9 2009 |
-9.9 2020 |
-3.7 2004 |
-4.4 2010 |
-4.6 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 Returns of Betterment Robo Advisor 50 Portfolio
| Months | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year | Return | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| 2021 |
+4.80% | -0.2 | 0.8 | 1.4 | 2.2 | 1.3 | 0.5 | 0.4 | 1.1 | -2.6 | |||
| 2020 |
+9.50% | -0.4 | -3.4 | -9.9 | 5.9 | 2.9 | 2.0 | 3.2 | 2.2 | -1.3 | -0.8 | 6.7 | 3.0 |
| 2019 |
+17.41% | 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% | 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% | 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% | -2.3 | 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% | 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% | -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% | 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% | 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% | 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% | -1.6 | 1.3 | 3.7 | 1.0 | -4.4 | -1.2 | 4.8 | -0.9 | 4.9 | 2.2 | -1.7 | 3.4 |
| 2009 |
+23.06% | -6.1 | -5.9 | 5.7 | 7.1 | 5.5 | 0.1 | 5.9 | 2.5 | 4.0 | -1.5 | 3.5 | 1.1 |
| 2008 |
-19.44% | -2.3 | -0.4 | -0.6 | 2.4 | 0.7 | -4.6 | -0.8 | -0.1 | -6.8 | -12.8 | -1.5 | 6.7 |
| 2007 |
+8.19% | 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% | 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% | -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% | 1.5 | 1.6 | 0.5 | -3.7 | 0.6 | 1.6 | -1.3 | 1.8 | 1.7 | 1.7 | 3.4 | 2.8 |
| 2003 |
+24.96% | -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% | -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% | 3.3 | -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% | -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% | 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% | 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% | 0.8 | 0.8 | -2.4 | 1.4 | 4.7 | 3.1 | 3.2 | -3.3 | 4.0 | -4.0 | 0.6 | 1.2 |
| 1996 |
+13.19% | 2.1 | -0.9 | 0.8 | 1.8 | 0.7 | 0.5 | -1.8 | 1.7 | 3.0 | 1.2 | 4.0 | -0.6 |
* 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