Betterment Robo Advisor 80 Portfolio: ETF allocation and returns

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 8.96% compound annual return, with a 10.85% standard deviation (Last Update: October 2019).

Asset Allocation and ETFs

The Betterment Robo Advisor 80 Portfolio has the following asset allocation:

        80% Stocks
      
        20% Fixed Income
      
        0% Commodities

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 %	VWO	Vanguard FTSE Emerging Markets	Equity, Emerging Markets, Large Cap
7.20 %	VTV	Vanguard Value	Equity, U.S., Large Cap, Value
5.90 %	JKI	iShares Morningstar 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

Returns, capital growth, stats are calculated assuming a rebalancing of the portfolio at the beginning of each year (i.e. at every January 1st).

Historical Returns

Betterment Robo Advisor 80 Portfolio - Historical returns and stats:

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Range	Returns Oct 2019	Standard Deviation *	Max Drawdown	Months Pos - Neg
1M	+2.02%		0.00%	1 - 0
YTD	+16.52%		-4.97% May 2019 - May 2019	8 - 2
1Y	+11.59%	12.56%	-5.88% Dec 2018 - Dec 2018	9 - 3
3Y	+9.43% annualized	9.29%	-11.77% Feb 2018 - Dec 2018	28 - 8
5Y	+6.52% annualized	9.46%	-11.77% Feb 2018 - Dec 2018	40 - 20
10Y	+8.96% annualized	10.85%	-16.97% May 2011 - Sep 2011	80 - 40
MAX Dec 2007	+5.89% annualized	13.61%	-42.72% Jan 2008 - Feb 2009	89 - 53

* Annualized St.Dev. of monthly returns

Best Very High Risk Porftolios, ordered by 10Y annualized return.

Portfolio	10Y Return ▾	#ETF	Stocks	Bonds
US Stocks	+13.64%	1	100	0
Warren Buffett	+12.48%	2	90	10
Second Grader's Starter Paul Farrell	+10.24%	3	90	10
Ultimate Buy and Hold Strategy Paul Merriman	+10.18%	10	100	0
Core Four Rick Ferri	+9.81%	4	80	20

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Worst drawdowns since October 2009.

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-16.97%	May 2011	Sep 2011	5	Sep 2012	12	17
-11.77%	Feb 2018	Dec 2018	11	Apr 2019	4	15
-10.78%	May 2015	Feb 2016	10	Jul 2016	5	15
-9.93%	May 2010	Jun 2010	2	Sep 2010	3	5
-4.97%	May 2019	May 2019	1	Jun 2019	1	2
-3.50%	Jan 2014	Jan 2014	1	Feb 2014	1	2
-3.23%	Jan 2010	Jan 2010	1	Mar 2010	2	3
-3.23%	Sep 2014	Sep 2014	1	Feb 2015	5	6
-2.68%	May 2013	Jun 2013	2	Jul 2013	1	3
-2.52%	Aug 2013	Aug 2013	1	Sep 2013	1	2
-1.70%	Aug 2019	Aug 2019	1	Sep 2019	1	2
-1.64%	Oct 2016	Oct 2016	1	Dec 2016	2	3
-1.54%	Nov 2010	Nov 2010	1	Dec 2010	1	2
-1.42%	Jul 2014	Jul 2014	1	Aug 2014	1	2
-0.86%	Mar 2015	Mar 2015	1	Apr 2015	1	2
-0.41%	Oct 2012	Oct 2012	1	Nov 2012	1	2

Worst drawdowns since December 2007.

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	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-42.72%	Jan 2008	Feb 2009	14	Dec 2010	22	36
-16.97%	May 2011	Sep 2011	5	Sep 2012	12	17
-11.77%	Feb 2018	Dec 2018	11	Apr 2019	4	15
-10.78%	May 2015	Feb 2016	10	Jul 2016	5	15
-4.97%	May 2019	May 2019	1	Jun 2019	1	2
-3.50%	Jan 2014	Jan 2014	1	Feb 2014	1	2
-3.23%	Sep 2014	Sep 2014	1	Feb 2015	5	6
-2.68%	May 2013	Jun 2013	2	Jul 2013	1	3
-2.52%	Aug 2013	Aug 2013	1	Sep 2013	1	2
-1.70%	Aug 2019	Aug 2019	1	Sep 2019	1	2
-1.64%	Oct 2016	Oct 2016	1	Dec 2016	2	3
-1.42%	Jul 2014	Jul 2014	1	Aug 2014	1	2
-0.86%	Mar 2015	Mar 2015	1	Apr 2015	1	2
-0.41%	Oct 2012	Oct 2012	1	Nov 2012	1	2

Rolling Returns

Betterment Robo Advisor 80 Portfolio: annualized rolling and average returns

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	*Return ()**			Negative Periods
Rolling Period	Average	Best	Worst	Negative Periods
1 Year	+8.14%	+53.80% Mar 2009 - Feb 2010	-39.19% Mar 2008 - Feb 2009	22.90%
2 Years	+9.07%	+35.61% Mar 2009 - Feb 2011	-5.93% Jun 2008 - May 2010	7.56%
3 Years	+8.97%	+23.25% Mar 2009 - Feb 2012	+0.57% Jan 2008 - Dec 2010	0.00%
5 Years	+8.90%	+18.95% Mar 2009 - Feb 2014	+2.62% Jan 2008 - Dec 2012	0.00%
7 Years	+8.84%	+12.85% Mar 2009 - Feb 2016	+5.26% Jan 2008 - Dec 2014	0.00%
10 Years	+8.83%	+12.43% Mar 2009 - Feb 2019	+6.29% Jan 2008 - Dec 2017	0.00%

* Annualized rolling and average returns over full calendar month periods

Yearly Returns - Monthly Returns Heatmap

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		Months
Year	Return	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2019	+16.52%	7.3	2.0	1.0	2.6	-5.0	5.6	0.1	-1.7	2.0	2.0
2018	-8.27%	4.0	-3.8	-0.6	0.1	0.5	-0.7	2.6	0.4	-0.1	-6.3	1.8	-5.9
2017	+19.00%	2.1	2.2	1.0	1.2	1.2	0.8	2.2	0.4	1.9	1.6	1.6	1.5
2016	+10.80%	-4.3	-0.1	6.7	1.2	0.1	0.9	3.5	0.5	0.8	-1.6	1.5	1.5
2015	-2.45%	-0.9	4.3	-0.9	1.9	-0.0	-2.0	0.1	-5.6	-2.5	5.6	-0.1	-2.0
2014	+5.37%	-3.5	4.1	1.0	0.6	1.9	1.9	-1.4	2.6	-3.2	1.8	1.0	-1.2
2013	+19.36%	3.3	0.2	2.1	2.4	-0.5	-2.2	4.2	-2.5	4.7	3.5	1.4	1.6
2012	+15.67%	5.2	3.6	1.0	-1.0	-6.8	4.1	0.8	2.1	2.7	-0.4	1.2	2.7
2011	-3.27%	0.9	2.6	0.5	3.3	-1.3	-1.3	-1.5	-5.7	-8.3	9.3	-0.9	0.1
2010	+14.10%	-3.2	2.1	5.5	1.0	-7.2	-3.0	7.0	-2.9	7.6	3.1	-1.5	6.0
2009	+30.39%	-9.0	-8.0	7.5	10.8	7.9	-0.5	8.1	3.1	4.7	-2.4	4.7	2.1
2008	-31.62%	-4.7	-1.2	-0.8	4.1	1.2	-7.2	-1.2	-0.7	-8.6	-16.7	-5.0	5.5

* 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