The Betterment Robo Advisor 80 Portfolio is a Very High Risk portfolio and can be implemented with 10 ETFs.
It's exposed for 80% on the Stock Market.
In the last 30 Years, the Betterment Robo Advisor 80 Portfolio obtained a 8.34% compound annual return, with a 12.68% standard deviation.
Asset Allocation and ETFs
The Betterment Robo Advisor 80 Portfolio has the following asset allocation:
The Betterment Robo Advisor 80 Portfolio can be implemented 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.
Portfolio returns are calculated in USD, assuming:
- No fees or capital gain taxes
- a rebalancing of the components at the beginning of each year (at every January 1st). How do returns change with different rebalancing strategies?
- the reinvestment of dividends
Chg (%) | Return (%) | Return (%) as of Jun 30, 2022 |
|||||||
---|---|---|---|---|---|---|---|---|---|
1 Day | Time ET(*) | Jul 2022 | 1M | 6M | 1Y | 5Y(*) | 10Y(*) | 30Y(*) | |
Betterment Robo Advisor 80 Portfolio | -1.52 | -0.88 | -7.08 | -16.65 | -14.38 | 5.46 | 7.67 | 8.34 | |
US Inflation Adjusted return | -7.08 | -19.90 | -20.41 | 1.79 | 5.08 | 5.72 | |||
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 |
VEA Vanguard FTSE Developed Markets |
-3.03 |
01:59PM Jul 05 2022 |
-2.82 | -9.19 | -18.92 | -18.07 | 2.71 | 5.87 | 5.27 |
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 |
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 80 Portfolio granted a 2.47% dividend yield. If you are interested in getting periodic income, please refer to the Betterment Robo Advisor 80 Portfolio: Dividend Yield page.
Historical Returns as of Jun 30, 2022
Historical returns and stats of Betterment Robo Advisor 80 Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.
Period | Return (%) as of Jun 2022 |
Return (%) Infl.Adj. |
Standard Deviation (%) |
Max Drawdown (%) |
Months Pos - Neg |
---|---|---|---|---|---|
1M
Jun 2022
|
-7.08
|
-7.08
|
-7.08
Jun 2022 - Jun 2022
|
0 - 1
|
|
3M
|
-12.37
|
-13.51
|
-12.37
Apr 2022 - Jun 2022
|
1 - 2
|
|
6M
|
-16.65
|
-19.90
|
-16.65
Jan 2022 - Jun 2022
|
2 - 4
|
|
YTD
|
-16.65
|
-19.90
|
-16.65
Jan 2022 - Jun 2022
|
2 - 4
|
|
1Y
|
-14.38
|
-20.41
|
11.64
|
-16.65
Jan 2022 - Jun 2022
|
5 - 7
42% pos
|
3Y(*)
|
4.48
|
-0.03
|
14.92
|
-19.91
Jan 2020 - Mar 2020
|
22 - 14
61% pos
|
5Y(*)
|
5.46
|
1.79
|
13.55
|
-19.91
Jan 2020 - Mar 2020
|
39 - 21
65% pos
|
10Y(*)
|
7.67
|
5.08
|
11.19
|
-19.91
Jan 2020 - Mar 2020
|
80 - 40
67% pos
|
15Y(*)
|
5.41
|
3.04
|
13.95
|
-45.47
Nov 2007 - Feb 2009
|
111 - 69
62% pos
|
20Y(*)
|
7.75
|
5.18
|
13.16
|
-45.47
Nov 2007 - Feb 2009
|
155 - 85
65% pos
|
25Y(*)
|
6.97
|
4.44
|
13.35
|
-45.47
Nov 2007 - Feb 2009
|
186 - 114
62% pos
|
30Y(*)
|
8.34
|
5.72
|
12.68
|
-45.47
Nov 2007 - Feb 2009
|
229 - 131
64% pos
|
MAX(*)
01 Jan 1992
|
8.16
|
5.54
|
12.63
|
-45.47
Nov 2007 - Feb 2009
|
231 - 135
63% pos
|
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
The Inflation Adjusted Capital now would be 5309.60$, with a net total return of 430.96% (5.72% annualized).
The Inflation Adjusted Capital now would be 5182.93$, with a net total return of 418.29% (5.54% annualized).
Drawdowns
Drawdown period |
Recovery period |
Total |
||||
---|---|---|---|---|---|---|
Drawdown | Start | Bottom | #Months | End | #Months | #Months |
-45.47% | Nov 2007 | Feb 2009 | 16 | Mar 2011 | 25 | 41 |
-26.34% | Apr 2000 | Sep 2002 | 30 | Dec 2003 | 15 | 45 |
-19.91% | Jan 2020 | Mar 2020 | 3 | Aug 2020 | 5 | 8 |
-17.08% | May 1998 | Aug 1998 | 4 | Jan 1999 | 5 | 9 |
-16.93% | May 2011 | Sep 2011 | 5 | Sep 2012 | 12 | 17 |
-16.65% | Jan 2022 | Jun 2022 | 6 | in progress | 6 | |
-11.94% | Feb 2018 | Dec 2018 | 11 | Jun 2019 | 6 | 17 |
-10.90% | May 2015 | Feb 2016 | 10 | Jul 2016 | 5 | 15 |
-7.81% | Feb 1994 | Mar 1994 | 2 | May 1995 | 14 | 16 |
-5.30% | Aug 1997 | Oct 1997 | 3 | Feb 1998 | 4 | 7 |
-4.17% | Jan 2000 | Jan 2000 | 1 | Mar 2000 | 2 | 3 |
-3.88% | Mar 2005 | Apr 2005 | 2 | Jun 2005 | 2 | 4 |
-3.82% | May 2006 | May 2006 | 1 | Oct 2006 | 5 | 6 |
-3.74% | Jun 1996 | Jul 1996 | 2 | Sep 1996 | 2 | 4 |
-3.63% | Apr 2004 | Apr 2004 | 1 | Sep 2004 | 5 | 6 |
-3.55% | Nov 1993 | Nov 1993 | 1 | Dec 1993 | 1 | 2 |
-3.48% | Jan 2014 | Jan 2014 | 1 | Feb 2014 | 1 | 2 |
-3.34% | Sep 2021 | Sep 2021 | 1 | Oct 2021 | 1 | 2 |
-3.25% | Sep 2014 | Sep 2014 | 1 | Feb 2015 | 5 | 6 |
-3.13% | Sep 2020 | Oct 2020 | 2 | Nov 2020 | 1 | 3 |
Drawdown period |
Recovery period |
Total |
||||
---|---|---|---|---|---|---|
Drawdown | Start | Bottom | #Months | End | #Months | #Months |
-45.47% | Nov 2007 | Feb 2009 | 16 | Mar 2011 | 25 | 41 |
-26.34% | Apr 2000 | Sep 2002 | 30 | Dec 2003 | 15 | 45 |
-19.91% | Jan 2020 | Mar 2020 | 3 | Aug 2020 | 5 | 8 |
-17.08% | May 1998 | Aug 1998 | 4 | Jan 1999 | 5 | 9 |
-16.93% | May 2011 | Sep 2011 | 5 | Sep 2012 | 12 | 17 |
-16.65% | Jan 2022 | Jun 2022 | 6 | in progress | 6 | |
-11.94% | Feb 2018 | Dec 2018 | 11 | Jun 2019 | 6 | 17 |
-10.90% | May 2015 | Feb 2016 | 10 | Jul 2016 | 5 | 15 |
-7.81% | Feb 1994 | Mar 1994 | 2 | May 1995 | 14 | 16 |
-5.30% | Aug 1997 | Oct 1997 | 3 | Feb 1998 | 4 | 7 |
-4.17% | Jan 2000 | Jan 2000 | 1 | Mar 2000 | 2 | 3 |
-3.88% | Mar 2005 | Apr 2005 | 2 | Jun 2005 | 2 | 4 |
-3.82% | May 2006 | May 2006 | 1 | Oct 2006 | 5 | 6 |
-3.74% | Jun 1996 | Jul 1996 | 2 | Sep 1996 | 2 | 4 |
-3.63% | Apr 2004 | Apr 2004 | 1 | Sep 2004 | 5 | 6 |
-3.55% | Nov 1993 | Nov 1993 | 1 | Dec 1993 | 1 | 2 |
-3.48% | Jan 2014 | Jan 2014 | 1 | Feb 2014 | 1 | 2 |
-3.45% | Jun 1992 | Jun 1992 | 1 | Dec 1992 | 6 | 7 |
-3.34% | Sep 2021 | Sep 2021 | 1 | Oct 2021 | 1 | 2 |
-3.25% | Sep 2014 | Sep 2014 | 1 | Feb 2015 | 5 | 6 |
Rolling Returns ( more details)
Betterment Robo Advisor 80 Portfolio: annualized rolling and average returns
Rolling Period |
Return (*) | Negative Periods |
||
---|---|---|---|---|
Average (%) | Best (%) | Worst (%) | ||
1 Year |
9.78 |
53.11 Mar 2009 - Feb 2010 |
-38.93 Mar 2008 - Feb 2009 |
22.25% |
2 Years |
9.10 |
35.20 Mar 2009 - Feb 2011 |
-21.06 Mar 2007 - Feb 2009 |
14.58% |
3 Years |
8.69 |
24.05 Apr 2003 - Mar 2006 |
-10.85 Mar 2006 - Feb 2009 |
12.39% |
5 Years |
8.47 |
19.36 Oct 2002 - Sep 2007 |
-1.56 Mar 2004 - Feb 2009 |
1.30% |
7 Years |
8.14 |
15.41 Jan 1993 - Dec 1999 |
1.96 Mar 2002 - Feb 2009 |
0.00% |
10 Years |
7.93 |
12.33 Mar 2009 - Feb 2019 |
2.59 Mar 1999 - Feb 2009 |
0.00% |
15 Years |
7.84 |
11.75 Nov 1992 - Oct 2007 |
5.19 Mar 1994 - Feb 2009 |
0.00% |
20 Years |
7.90 |
9.04 Mar 1995 - Feb 2015 |
5.44 Apr 2000 - Mar 2020 |
0.00% |
If you need a deeper detail about rolling returns, please refer to the Betterment Robo Advisor 80 Portfolio: Rolling Returns page.
Seasonality
Betterment Robo Advisor 80 Portfolio: in which months is it better to invest?
For further information about the seasonality, check the Asset Class Seasonality page.
Monthly Average Return (%) and Gain Frequency | ||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|
Return (%) | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
Average Win % |
0.24 52% |
0.16 58% |
0.80 68% |
2.00 81% |
0.49 65% |
-0.01 52% |
0.94 57% |
-0.12 63% |
-0.04 53% |
0.96 63% |
1.35 70% |
1.97 77% |
Best Year |
7.3 2019 |
6.3 1998 |
8.0 2009 |
10.5 2009 |
7.6 2009 |
5.7 2019 |
8.1 2009 |
4.3 1993 |
7.7 2010 |
9.3 2011 |
10.2 2020 |
6.9 1999 |
Worst Year |
-8.8 2009 |
-8.4 2009 |
-13.3 2020 |
-6.5 2022 |
-7.2 2010 |
-7.1 2022 |
-7.7 2002 |
-13.6 1998 |
-8.7 2008 |
-16.7 2008 |
-5.1 2008 |
-5.9 2018 |
Monthly/Yearly Returns
Betterment Robo Advisor 80 Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?
Yearly Return(%) |
Monthly Return(%) |
|||||||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Year | Total | Infl.Adj | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
2022 |
-16.65 | -19.90 | -3.4 | -2.2 | 0.6 | -6.5 | 0.8 | -7.1 | ||||||
2021 |
+13.94 | +6.39 | 0.2 | 2.5 | 2.6 | 3.0 | 1.8 | 0.4 | -0.1 | 1.7 | -3.3 | 3.6 | -2.4 | 3.4 |
2020 |
+11.77 | +10.36 | -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 | +19.53 | 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 | -10.15 | 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 | +17.50 | 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 | +7.89 | -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 | -3.09 | -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 | +4.36 | -3.5 | 4.1 | 0.9 | 0.6 | 1.9 | 1.8 | -1.4 | 2.5 | -3.3 | 1.7 | 1.0 | -1.1 |
2013 |
+19.28 | +17.50 | 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 | +13.60 | 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 | -6.02 | 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 | +12.19 | -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 | +26.07 | -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 | -31.20 | -4.8 | -1.2 | -0.7 | 4.2 | 1.4 | -7.0 | -1.5 | -0.5 | -8.7 | -16.7 | -5.1 | 5.8 |
2007 |
+8.95 | +4.65 | 1.1 | -0.7 | 1.8 | 3.1 | 2.8 | -0.6 | -2.2 | 0.7 | 4.5 | 3.6 | -4.0 | -1.1 |
2006 |
+18.35 | +15.43 | 5.0 | -0.4 | 1.9 | 2.5 | -3.8 | 0.0 | 0.7 | 2.1 | 0.9 | 3.6 | 2.8 | 1.9 |
2005 |
+11.65 | +8.05 | -1.5 | 3.2 | -2.5 | -1.4 | 2.4 | 1.7 | 3.5 | 0.7 | 2.6 | -2.9 | 3.3 | 2.3 |
2004 |
+16.21 | +12.45 | 1.9 | 2.0 | 0.1 | -3.6 | 1.0 | 2.0 | -2.6 | 1.2 | 2.5 | 2.1 | 5.4 | 3.4 |
2003 |
+32.69 | +30.05 | -2.0 | -1.5 | -0.5 | 7.4 | 5.8 | 1.9 | 2.0 | 2.8 | 0.7 | 5.6 | 1.7 | 5.1 |
2002 |
-10.81 | -12.97 | -0.9 | 0.3 | 3.8 | -0.9 | -0.2 | -5.0 | -7.7 | 1.1 | -8.0 | 4.9 | 4.7 | -2.4 |
2001 |
-5.95 | -7.43 | 3.6 | -5.8 | -5.0 | 6.0 | 0.3 | -1.7 | -1.5 | -2.5 | -8.4 | 2.9 | 4.9 | 2.3 |
2000 |
-4.45 | -7.63 | -4.2 | 1.6 | 4.2 | -3.6 | -2.2 | 2.7 | -1.3 | 3.9 | -2.8 | -1.5 | -4.9 | 4.1 |
1999 |
+24.78 | +21.52 | 1.0 | -2.2 | 4.4 | 6.4 | -2.4 | 4.2 | -1.2 | -0.6 | -0.7 | 3.8 | 3.4 | 6.9 |
1998 |
+10.36 | +8.61 | -0.1 | 6.3 | 3.5 | 0.7 | -2.7 | -0.1 | -1.2 | -13.6 | 4.2 | 7.3 | 4.4 | 3.0 |
1997 |
+13.10 | +11.21 | 1.8 | 0.9 | -2.7 | 1.8 | 5.9 | 3.8 | 4.2 | -4.6 | 4.8 | -5.3 | 1.0 | 1.4 |
1996 |
+14.48 | +10.74 | 2.6 | 0.1 | 1.3 | 2.3 | 1.0 | 0.0 | -3.7 | 2.1 | 3.3 | 0.8 | 4.8 | -0.7 |
1995 |
+21.01 | +18.03 | -1.0 | 1.0 | 2.3 | 3.2 | 3.1 | 0.9 | 3.5 | 0.1 | 2.2 | -1.5 | 3.2 | 2.5 |
1994 |
-1.85 | -4.34 | 4.7 | -3.2 | -4.8 | 1.9 | 0.4 | -1.1 | 2.3 | 3.3 | -2.3 | 1.5 | -4.0 | -0.1 |
1993 |
+28.78 | +25.26 | 3.1 | 1.9 | 5.0 | 1.9 | 1.2 | 1.7 | 2.3 | 4.3 | -0.8 | 3.0 | -3.6 | 6.0 |
1992 |
+3.38 | +0.40 | -0.2 | -0.4 | -2.5 | 1.4 | 4.3 | -3.5 | 2.6 | -0.6 | -0.4 | -0.6 | 2.1 | 1.4 |
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
- VEA - Vanguard FTSE Developed Markets: simulated historical serie, up to December 2007
- 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 80 Portfolio actually efficient, compared to other Lazy Portfolios?
Overall Ratings
The Betterment Robo Advisor 80 Portfolio is classified as Very High Risk.
Less than 25%
25% - 49.99%
50% - 74.99%
At least 75%
Very High Risk Portfolios |
All Portfolios |
||
---|---|---|---|
25 Years Ann. Return (Inflation Adjusted) |
+6.97%
(+4.44%) |
Poor : 1 / 5
|
Average : 2.8 / 5
|
Standard Deviation over 25 Years |
13.35% |
Excellent : 4.3 / 5
|
Average : 2.6 / 5
|
Maximum Drawdown over 25 Years |
-45.47% |
Excellent : 4.9 / 5
|
Average : 2 / 5
|
Easy to manage | 10 ETFs |
Poor : 1 / 5
|
Poor : 1 / 5
|
Rating assigned considering all the Very High Risk Portfolios | Rating assigned considering all the Portfolios in the database |
Best Classic Portfolios, with Very High Risk
30 Years Stats (%) |
% Allocation |
|||||||
---|---|---|---|---|---|---|---|---|
Portfolio | Jul 2022 | Return▾ | Drawdown | Stocks | Bonds | Comm | ||
Technology |
+1.22 | +13.42 | -81.08 | 100 | 0 | 0 | ||
US Stocks |
+0.21 | +9.81 | -50.84 | 100 | 0 | 0 | ||
Warren Buffett Portfolio Warren Buffett |
+0.23 | +9.38 | -45.52 | 90 | 10 | 0 | ||
Aggressive Global Income |
-0.99 | +9.37 | -52.63 | 80 | 20 | 0 | ||
Stocks/Bonds 80/20 |
+0.38 | +9.06 | -41.09 | 80 | 20 | 0 |
Last update: Jul 05 2022, 02:00PM Eastern Time.