Last Update: 31 March 2021
The Betterment Robo Advisor 80 Portfolio is exposed for 80% on the Stock Market.
It's a Very High Risk portfolio and it can be replicated with 10 ETFs.
In the last 10 years, the portfolio obtained a 8.63% compound annual return, with a 11.75% standard deviation.
In 2020, the portfolio granted a 1.97% dividend yield. If you are interested in getting periodic income, please refer to the Betterment Robo Advisor 80 Portfolio: Dividend Yield page.
Asset Allocation and ETFs
The Betterment Robo Advisor 80 Portfolio has the following asset allocation:
The Betterment Robo Advisor 80 Portfolio can be replicated with the following ETFs:
| Weight | Ticker | ETF Name | Investment Themes | |
|---|---|---|---|---|
| 27.00 % | VTI | Vanguard Total Stock Market | Equity, U.S., Large Cap | |
| 22.10 % | VEA | Vanguard FTSE Developed Markets | Equity, EAFE, Large Cap | |
| 12.80 % | EEM | iShares MSCI Emerging Markets | Equity, Emerging Markets, Large Cap | |
| 7.20 % | VTV | Vanguard Value | Equity, U.S., Large Cap, Value | |
| 5.90 % | VOE | Vanguard Mid-Cap Value | Equity, U.S., Mid Cap | |
| 5.00 % | IJS | iShares S&P Small-Cap 600 Value | Equity, U.S., Small Cap, Value | |
| 7.20 % | BNDX | Vanguard Total International Bond | Bond, Developed Markets, All-Term | |
| 6.80 % | BND | Vanguard Total Bond Market | Bond, U.S., All-Term | |
| 3.60 % | EMB | iShares JP Morgan USD Em Mkts Bd | Bond, Emerging Markets, All-Term | |
| 2.40 % | TIP | iShares TIPS Bond | Bond, U.S., All-Term |
Portfolio and ETF Returns
The Betterment Robo Advisor 80 Portfolio guaranteed the following returns.
| 1M | 3M | 6M | 1Y | 3Y(*) | 5Y(*) | 10Y(*) | |
|---|---|---|---|---|---|---|---|
| Betterment Robo Advisor 80 Portfolio | +2.57 | +5.36 | +19.82 | +47.03 | +9.85 | +11.31 | +8.63 |
| Components | |||||||
| VTI - Vanguard Total Stock Market | +3.65 | +6.54 | +22.26 | +62.90 | +17.17 | +16.69 | +13.80 |
| VEA - Vanguard FTSE Developed Markets | +2.77 | +4.51 | +21.72 | +50.88 | +6.59 | +9.66 | +5.98 |
| EEM - iShares MSCI Emerging Markets | -0.73 | +3.23 | +22.24 | +58.83 | +5.68 | +11.59 | +3.05 |
| VTV - Vanguard Value | +6.66 | +11.11 | +27.32 | +51.62 | +11.41 | +12.73 | +11.64 |
| VOE - Vanguard Mid-Cap Value | +6.17 | +13.84 | +34.44 | +69.88 | +9.89 | +11.66 | +11.32 |
| IJS - iShares S&P Small-Cap 600 Value | +5.61 | +24.32 | +65.15 | +104.15 | +11.88 | +13.92 | +11.91 |
| BNDX - Vanguard Total International Bond | -0.01 | -2.29 | -1.22 | +2.68 | +3.99 | +3.28 | +4.56 |
| BND - Vanguard Total Bond Market | -1.27 | -3.64 | -2.86 | +1.56 | +4.67 | +3.08 | +3.32 |
| EMB - iShares JP Morgan USD Em Mkts Bd | -0.73 | -5.47 | +0.18 | +17.25 | +3.64 | +4.51 | +4.96 |
| TIP - iShares TIPS Bond | -0.26 | -1.68 | -0.09 | +7.61 | +5.50 | +3.71 | +3.28 |
- 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 80 Portfolio: Dividend Yield page.
Historical Returns
Betterment Robo Advisor 80 Portfolio - Historical returns and stats.
| Period | Returns Mar 2021 |
Standard Deviation * |
Max Drawdown |
Months Pos - Neg |
|---|---|---|---|---|
|
1M
|
+2.57%
|
0.00%
|
1 - 0 | |
|
3M
|
+5.36%
|
0.00%
|
3 - 0 | |
|
6M
|
+19.82%
|
-1.13%
Oct 2020 - Oct 2020
|
5 - 1 | |
|
YTD
|
+5.36%
|
0.00%
|
3 - 0 | |
|
1Y
|
+47.03%
|
11.65%
|
-3.13%
Sep 2020 - Oct 2020
|
10 - 2 |
|
3Y
|
+9.85%
annualized
|
15.19%
|
-19.90%
Jan 2020 - Mar 2020
|
24 - 12 |
|
5Y
|
+11.31%
annualized
|
12.26%
|
-19.90%
Jan 2020 - Mar 2020
|
45 - 15 |
|
10Y
|
+8.63%
annualized
|
11.75%
|
-19.90%
Jan 2020 - Mar 2020
|
79 - 41 |
|
MAX
01 Jan 2008
|
+6.89%
annualized
|
14.23%
|
-42.55%
Jan 2008 - Feb 2009
|
100 - 59 |
* Annualized St.Dev. of monthly returns
Best Very High Risk Porftolios, ordered by 10Y annualized return.
| Portfolio | 10Y Return ▾ | Stocks | Bonds | Comm. | ||
|---|---|---|---|---|---|---|
| Technology |
+19.92% | 100 | 0 | 0 | Compare | |
| US Stocks |
+13.80% | 100 | 0 | 0 | Compare | |
| Warren Buffett |
+12.75% | 90 | 10 | 0 | Compare | |
| Stocks/Bonds 80/20 |
+11.80% | 80 | 20 | 0 | Compare | |
| Second Grader's Starter Paul Farrell |
+10.29% | 90 | 10 | 0 | Compare |
Capital Growth
Drawdowns
Rolling Returns ( more details)
Betterment Robo Advisor 80 Portfolio: annualized rolling and average returns
| Return (*) | Negative Periods |
|||
|---|---|---|---|---|
| Rolling Period | Average | Best | Worst | |
| 1 Year |
+8.21% |
+53.11% Mar 2009 - Feb 2010 |
-38.93% Mar 2008 - Feb 2009 |
22.97% |
| 2 Years |
+8.59% |
+35.20% Mar 2009 - Feb 2011 |
-6.15% Jun 2008 - May 2010 |
8.82% |
| 3 Years |
+8.52% |
+23.07% Mar 2009 - Feb 2012 |
+0.48% Jan 2008 - Dec 2010 |
0.00% |
| 5 Years |
+8.58% |
+18.83% Mar 2009 - Feb 2014 |
+2.41% Apr 2015 - Mar 2020 |
0.00% |
| 7 Years |
+8.41% |
+12.68% Mar 2009 - Feb 2016 |
+4.61% Apr 2013 - Mar 2020 |
0.00% |
| 10 Years |
+8.48% |
+12.33% Mar 2009 - Feb 2019 |
+5.89% Apr 2010 - 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 80 Portfolio: Rolling Returns page.
Seasonality and Yearly/Monthly Returns
Betterment Robo Advisor 80 Portfolio Seasonality
| Months | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return (%) | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| Average | -0.3 | 0.3 | 1.0 | 2.8 | -0.3 | -0.1 | 2.2 | -0.5 | 0.0 | -0.1 | 1.4 | 1.5 |
| Best |
7.3 2019 |
4.3 2015 |
8.0 2009 |
10.5 2009 |
7.6 2009 |
5.7 2019 |
8.1 2009 |
4.0 2020 |
7.7 2010 |
9.3 2011 |
10.2 2020 |
5.9 2010 |
| Worst |
-8.8 2009 |
-8.4 2009 |
-13.3 2020 |
-0.9 2012 |
-7.2 2010 |
-7.0 2008 |
-1.5 2011 |
-5.7 2011 |
-8.7 2008 |
-16.7 2008 |
-5.1 2008 |
-5.9 2018 |
| Gain Frequency |
50 | 64 | 71 | 92 | 54 | 46 | 69 | 54 | 54 | 54 | 69 | 77 |
Detail of Monthly Returns
| Months | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year | Return | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| 2021 |
+5.36% | 0.2 | 2.5 | 2.6 | |||||||||
| 2020 |
+11.77% | -1.7 | -6.0 | -13.3 | 8.4 | 3.9 | 2.5 | 4.2 | 4.0 | -2.0 | -1.1 | 10.2 | 4.4 |
| 2019 |
+22.23% | 7.3 | 1.9 | 0.8 | 2.7 | -5.1 | 5.7 | -0.1 | -1.7 | 2.1 | 2.1 | 1.9 | 3.1 |
| 2018 |
-8.43% | 4.0 | -3.9 | -0.5 | 0.0 | 0.4 | -0.6 | 2.6 | 0.5 | 0.0 | -6.5 | 1.7 | -5.9 |
| 2017 |
+20.00% | 2.3 | 2.2 | 1.1 | 1.2 | 1.5 | 0.8 | 2.3 | 0.4 | 1.9 | 1.7 | 1.6 | 1.6 |
| 2016 |
+10.10% | -4.2 | -0.3 | 6.8 | 1.1 | 0.1 | 0.9 | 3.5 | 0.5 | 0.8 | -1.9 | 1.3 | 1.6 |
| 2015 |
-2.47% | -0.9 | 4.3 | -0.8 | 1.9 | -0.1 | -2.0 | 0.2 | -5.4 | -2.6 | 5.8 | -0.1 | -2.1 |
| 2014 |
+5.04% | -3.5 | 4.1 | 0.9 | 0.6 | 1.9 | 1.8 | -1.4 | 2.5 | -3.3 | 1.8 | 1.0 | -1.1 |
| 2013 |
+19.28% | 3.2 | 0.2 | 2.1 | 2.3 | -0.5 | -2.2 | 4.2 | -2.4 | 4.7 | 3.5 | 1.5 | 1.6 |
| 2012 |
+15.60% | 5.2 | 3.6 | 0.9 | -0.9 | -6.7 | 4.2 | 0.8 | 2.1 | 2.6 | -0.4 | 1.2 | 2.6 |
| 2011 |
-3.14% | 0.9 | 2.6 | 0.6 | 3.2 | -1.3 | -1.3 | -1.5 | -5.7 | -8.2 | 9.3 | -0.8 | 0.1 |
| 2010 |
+13.80% | -3.3 | 2.1 | 5.5 | 1.0 | -7.2 | -3.0 | 7.1 | -3.0 | 7.7 | 3.1 | -1.5 | 5.9 |
| 2009 |
+29.62% | -8.8 | -8.4 | 8.0 | 10.5 | 7.6 | -0.5 | 8.1 | 3.0 | 4.7 | -2.6 | 4.8 | 2.1 |
| 2008 |
-31.22% | -4.8 | -1.2 | -0.7 | 4.2 | 1.4 | -7.0 | -1.5 | -0.5 | -8.7 | -16.7 | -5.1 | 5.8 |
* 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