Data Source: from January 1992 to June 2022
Consolidated Returns as of 30 June 2022
Live Update: Jul 05 2022, 02:00PM Eastern Time
PORTFOLIO • LIVE PERFORMANCE (USD currency)
1.01%
1 Day
Jul 05 2022, 02:00PM Eastern Time
0.26%
Current Month
July 2022

The Betterment Robo Advisor 50 Portfolio is a Medium Risk portfolio and can be implemented with 10 ETFs.

It's exposed for 49.9% on the Stock Market.

In the last 30 Years, the Betterment Robo Advisor 50 Portfolio obtained a 7.71% compound annual return, with a 8.95% 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 implemented 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.

According to the available data source, let's assume we built the portfolio on January 1992.

Portfolio returns are calculated in USD, assuming: July 2022 return is calculated on the hypothesis of a newly built portfolio, with the starting asset allocation.
BETTERMENT ROBO ADVISOR 50 PORTFOLIO RETURNS
Consolidated returns as of 30 June 2022
Live Update: Jul 05 2022, 02:00PM Eastern Time
Swipe left to see all data
  Chg (%) Return (%)
Return (%) as of Jun 30, 2022
  1 Day Time ET(*) Jul 2022 1M 6M 1Y 5Y(*) 10Y(*) 30Y(*)
Betterment Robo Advisor 50 Portfolio -1.01 -0.26 -5.37 -14.95 -13.44 3.62 5.43 7.71
US Inflation Adjusted return -5.37 -18.27 -19.53 0.02 2.89 5.11
Components
VTI
Vanguard Total Stock Market
-0.84 01:59PM
Jul 05 2022
0.21 -8.23 -21.32 -14.17 10.53 12.52 9.81
EFA
iShares MSCI EAFE
-2.92 01:59PM
Jul 05 2022
-2.69 -8.72 -18.78 -17.39 2.23 5.36 5.01
EEM
iShares MSCI Emerging Markets
-1.73 02:00PM
Jul 05 2022
-2.34 -5.14 -17.20 -25.55 1.56 2.33 6.09
VTV
Vanguard Value
-2.33 01:59PM
Jul 05 2022
-1.35 -7.89 -9.29 -1.75 9.23 11.77 9.47
VOE
Vanguard Mid-Cap Value
-2.13 01:59PM
Jul 05 2022
-0.83 -10.53 -13.05 -6.05 7.10 11.30 10.92
IJS
iShares S&P Small-Cap 600 Value
-1.71 02:00PM
Jul 05 2022
-0.63 -8.96 -14.31 -14.23 6.57 10.79 11.03
BNDX
Vanguard Total International Bond
-0.10 01:59PM
Jul 05 2022
0.54 -1.72 -9.84 -10.00 0.81 2.34 5.36
BND
Vanguard Total Bond Market
0.26 02:00PM
Jul 05 2022
1.06 -1.66 -10.35 -10.42 0.84 1.40 4.63
EMB
iShares JP Morgan USD Em Mkts Bd
-0.95 02:00PM
Jul 05 2022
0.44 -6.15 -20.28 -20.94 -1.34 1.59 9.35
TIP
iShares TIPS Bond
-0.12 01:59PM
Jul 05 2022
1.49 -3.11 -9.04 -5.27 3.04 1.57 5.80
(*) Returns over 1 year are annualized
(*) Eastern Time (ET - America/New York)

US Inflation is updated to May 2022. Waiting for updates, inflation of Jun 2022 is set to 0%. Current inflation (annualized) is 1Y: 7.57% , 5Y: 3.61% , 10Y: 2.46% , 30Y: 2.47%

Portfolio Dividends

In 2021, the Betterment Robo Advisor 50 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 as of Jun 30, 2022

Historical returns and stats of Betterment Robo Advisor 50 Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

BETTERMENT ROBO ADVISOR 50 PORTFOLIO
Consolidated returns as of 30 June 2022
Data Source: from January 1992 to June 2022
Swipe left to see all data
Period Return (%)
as of Jun 2022
Return (%)
Infl.Adj.
Standard
Deviation (%)
Max
Drawdown (%)
Months
Pos - Neg
1M
Jun 2022
-5.37
-5.37
-5.37
Jun 2022 - Jun 2022
0 - 1
3M
-10.08
-11.24
-10.08
Apr 2022 - Jun 2022
1 - 2
6M
-14.95
-18.27
-14.95
Jan 2022 - Jun 2022
1 - 5
YTD
-14.95
-18.27
-14.95
Jan 2022 - Jun 2022
1 - 5
1Y
-13.44
-19.53
8.79
-14.95
Jan 2022 - Jun 2022
5 - 7
42% pos
3Y(*)
1.99
-2.41
10.62
-14.95
Jan 2022 - Jun 2022
22 - 14
61% pos
5Y(*)
3.62
0.02
9.45
-14.95
Jan 2022 - Jun 2022
39 - 21
65% pos
10Y(*)
5.43
2.89
7.84
-14.95
Jan 2022 - Jun 2022
81 - 39
68% pos
15Y(*)
4.93
2.57
9.73
-30.72
Nov 2007 - Feb 2009
113 - 67
63% pos
20Y(*)
6.77
4.21
9.13
-30.72
Nov 2007 - Feb 2009
158 - 82
66% pos
25Y(*)
6.59
4.07
9.31
-30.72
Nov 2007 - Feb 2009
192 - 108
64% pos
30Y(*)
7.71
5.11
8.95
-30.72
Nov 2007 - Feb 2009
235 - 125
65% pos
MAX(*)
01 Jan 1992
7.58
4.98
8.92
-30.72
Nov 2007 - Feb 2009
237 - 129
65% pos
(*) Returns over 1 year are annualized

Returns and stats are calculated assuming a yearly rebalancing of the components weight. How do returns change with different rebalancing strategies?

Capital Growth as of Jun 30, 2022

An investment of 1000$, since July 1992, now would be worth 9272.35$, with a total return of 827.23% (7.71% annualized).

The Inflation Adjusted Capital now would be 4456.85$, with a net total return of 345.68% (5.11% annualized).
An investment of 1000$, since January 1992, now would be worth 9295.45$, with a total return of 829.55% (7.58% annualized).

The Inflation Adjusted Capital now would be 4407.36$, with a net total return of 340.74% (4.98% annualized).

Drawdowns

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
-14.95% Jan 2022 Jun 2022 6 in progress 6
-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
-7.31% Feb 1994 Jun 1994 5 May 1995 11 16
-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
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
-14.95% Jan 2022 Jun 2022 6 in progress 6
-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
-7.31% Feb 1994 Jun 1994 5 May 1995 11 16
-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

Rolling Returns ( more details)

Betterment Robo Advisor 50 Portfolio: annualized rolling and average returns

Swipe left to see all data
Rolling
Period
Return (*) Negative
Periods
Average (%) Best (%) Worst (%)
1 Year
8.63 38.73
Mar 2009 - Feb 2010
-26.75
Mar 2008 - Feb 2009
15.77%
2 Years
8.28 25.98
Mar 2009 - Feb 2011
-12.50
Mar 2007 - Feb 2009
7.29%
3 Years
8.10 18.65
Mar 2009 - Feb 2012
-5.43
Mar 2006 - Feb 2009
2.42%
5 Years
8.02 14.97
Oct 2002 - Sep 2007
0.88
Mar 2004 - Feb 2009
0.00%
7 Years
7.86 12.80
Jan 1993 - Dec 1999
3.86
Mar 2002 - Feb 2009
0.00%
10 Years
7.80 10.66
Mar 1995 - Feb 2005
4.87
Mar 1999 - Feb 2009
0.00%
15 Years
7.75 10.87
Nov 1992 - Oct 2007
4.93
Jul 2007 - Jun 2022
0.00%
20 Years
7.80 9.11
Apr 1992 - Mar 2012
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: in which months is it better to invest?

Both the Average Return and the Gain Frequency (Win %) are useful to get an idea of what happened in the past.

For further information about the seasonality, check the Asset Class Seasonality page.
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 %
0.32
55%
0.19
61%
0.49
65%
1.45
81%
0.47
61%
0.13
58%
0.91
63%
0.20
63%
0.21
63%
0.69
63%
1.04
67%
1.66
77%
Best
Year
5.2
2019
4.4
1998
5.7
2009
7.1
2009
5.5
2009
4.3
2019
5.9
2009
3.7
1993
4.9
2010
6.1
2011
6.7
2020
6.7
2008
Worst
Year
-6.1
2009
-5.8
2009
-9.9
2020
-5.5
2022
-4.4
2010
-5.4
2022
-5.0
2002
-10.2
1998
-6.8
2008
-12.8
2008
-2.4
1994
-3.0
2018
Statistics calculated for the period Jan 1992 - Jun 2022

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
237 Positive Months (65%) - 129 Negative Months (35%)
Jan 1992 - Jun 2022
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
2022
-14.95 -18.27 -2.8 -2.2 -0.5 -5.5 0.6 -5.4
2021
+7.95 +0.79 -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 +8.12 -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 -7.14 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 +11.81 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
1994
-3.66 -6.10 3.3 -3.2 -4.0 0.9 0.0 -1.2 2.0 2.0 -1.8 1.0 -2.4 -0.2
1993
+24.85 +21.43 2.6 2.0 3.4 1.4 0.8 2.1 2.0 3.7 -0.4 2.6 -2.4 4.8
1992
+5.53 +2.49 -0.9 0.0 -1.8 1.0 3.9 -1.8 2.6 -0.2 0.1 -1.0 1.5 2.2

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

Portfolio efficiency

Is the Betterment Robo Advisor 50 Portfolio actually efficient, compared to other Lazy Portfolios?

Overall Ratings

The Betterment Robo Advisor 50 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)
+6.59%
(+4.07%)
Bad : 1.7 / 5
Average : 2.6 / 5
Standard Deviation
over 25 Years
9.31%
Poor : 1 / 5
Good : 3.5 / 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

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Jul 2022 return refers to period 01-05 July 2022.
Last update: Jul 05 2022, 02:00PM Eastern Time.
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