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:

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 % 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
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: 31 December 2021
Swipe left to see all data
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
(*) 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

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.

BETTERMENT ROBO ADVISOR 50 PORTFOLIO
Last Update: 31 December 2021
Swipe left to see all data
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
(*)Annualized St.Dev. of monthly returns

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

See all portfolios

Our overall ratings, assigned to the Betterment Robo Advisor 50 Portfolio. The portfolio is classified as Medium Risk.

Very High Risk
Bond weight:
Less than 25%
High Risk
Bond weight:
25% - 49.99%
Medium Risk
Bond weight:
50% - 74.99%
Low Risk
Bond weight:
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

Time Range:

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

Time Range:

Worst drawdowns since January 1997 - Chart and Data

Swipe left to see all 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

Swipe left to see all data
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.

Swipe left to see all data
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
Statistics calculated for the period Jan 1995 - Dec 2021

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?

MONTHLY RETURNS HISTOGRAM
215 Positive Months (66%) - 109 Negative Months (34%)
Jan 1995 - Dec 2021
Swipe left to see all data
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
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