Last Update: 30 September 2020
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 7.86% compound annual return, with a 11.46% standard deviation.
In 2019, the portfolio granted a 3.02% 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 % | 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 |
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 | -2.07 | +6.14 | +22.60 | +4.89 | +4.73 | +8.45 | +7.86 |
| Components | |||||||
| VTI - Vanguard Total Stock Market | -3.54 | +9.24 | +33.25 | +14.90 | +11.63 | +13.68 | +13.48 |
| VEA - Vanguard FTSE Developed Markets | -1.79 | +6.01 | +23.96 | +2.08 | +0.92 | +5.79 | +4.99 |
| EEM - iShares MSCI Emerging Markets | -1.01 | +10.25 | +29.94 | +10.81 | +1.84 | +8.47 | +1.94 |
| VTV - Vanguard Value | -2.22 | +5.67 | +19.09 | -3.46 | +4.35 | +9.25 | +10.79 |
| JKI - iShares Morningstar Mid-Cap Value | -2.71 | +4.54 | +24.25 | -15.68 | -1.98 | +5.41 | +9.18 |
| IJS - iShares S&P Small-Cap 600 Value | -5.18 | +2.19 | +23.62 | -16.76 | -4.57 | +4.83 | +8.70 |
| BNDX - Vanguard Total International Bond | +0.86 | +1.04 | +3.95 | +2.21 | +5.10 | +4.36 | +4.58 |
| BND - Vanguard Total Bond Market | -0.10 | +0.40 | +4.56 | +7.06 | +5.26 | +4.17 | +3.50 |
| EMB - iShares JP Morgan USD Em Mkts Bd | -2.08 | +2.43 | +17.03 | +2.02 | +3.20 | +5.77 | +4.75 |
| TIP - iShares TIPS Bond | -0.38 | +2.85 | +7.70 | +9.73 | +5.66 | +4.47 | +3.42 |
- 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 Sep 2020 |
Standard Deviation * |
Max Drawdown |
Months Pos - Neg |
|---|---|---|---|---|
|
1M
|
-2.07%
|
-2.07%
Sep 2020 - Sep 2020
|
0 - 1 | |
|
3M
|
+6.14%
|
-2.07%
Sep 2020 - Sep 2020
|
2 - 1 | |
|
6M
|
+22.60%
|
-2.07%
Sep 2020 - Sep 2020
|
5 - 1 | |
|
YTD
|
-2.13%
|
-20.17%
Jan 2020 - Mar 2020
|
5 - 4 | |
|
1Y
|
+4.89%
|
19.10%
|
-20.17%
Jan 2020 - Mar 2020
|
8 - 4 |
|
3Y
|
+4.73%
annualized
|
14.34%
|
-20.17%
Jan 2020 - Mar 2020
|
23 - 13 |
|
5Y
|
+8.45%
annualized
|
12.16%
|
-20.17%
Jan 2020 - Mar 2020
|
42 - 18 |
|
10Y
|
+7.86%
annualized
|
11.46%
|
-20.17%
Jan 2020 - Mar 2020
|
79 - 41 |
|
MAX
01 Jan 2008
|
+5.62%
annualized
|
14.20%
|
-42.67%
Jan 2008 - Feb 2009
|
95 - 58 |
* Annualized St.Dev. of monthly returns
Best Very High Risk Porftolios, ordered by 10Y annualized return.
| Portfolio | 10Y Return ▾ | Stocks | Bonds | Comm. | ||
|---|---|---|---|---|---|---|
| Technology |
+20.14% | 100 | 0 | 0 | Compare | |
| US Stocks |
+13.48% | 100 | 0 | 0 | Compare | |
| Warren Buffett |
+12.62% | 90 | 10 | 0 | Compare | |
| Second Grader's Starter Paul Farrell |
+9.82% | 90 | 10 | 0 | Compare | |
| Edge Select Aggressive Merrill Lynch |
+9.41% | 84 | 16 | 0 | Compare |
Capital Growth
Drawdowns
Rolling Returns
Betterment Robo Advisor 80 Portfolio: annualized rolling and average returns
| Return (*) | Negative Periods |
|||
|---|---|---|---|---|
| Rolling Period | Average | Best | Worst | |
| 1 Year |
+7.77% |
+53.38% Mar 2009 - Feb 2010 |
-39.09% Mar 2008 - Feb 2009 |
23.94% |
| 2 Years |
+8.40% |
+35.28% Mar 2009 - Feb 2011 |
-6.11% Jun 2008 - May 2010 |
9.23% |
| 3 Years |
+8.59% |
+23.06% Mar 2009 - Feb 2012 |
+0.44% Jan 2008 - Dec 2010 |
0.00% |
| 5 Years |
+8.49% |
+18.87% Mar 2009 - Feb 2014 |
+2.39% Apr 2015 - Mar 2020 |
0.00% |
| 7 Years |
+8.48% |
+12.71% Mar 2009 - Feb 2016 |
+4.58% Apr 2013 - Mar 2020 |
0.00% |
| 10 Years |
+8.50% |
+12.37% Mar 2009 - Feb 2019 |
+5.86% Apr 2010 - Mar 2020 |
0.00% |
* Annualized rolling and average returns over full calendar month periods
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 | -0.4 | 0.1 | 0.9 | 2.8 | -0.3 | -0.1 | 2.2 | -0.4 | 0.0 | -0.1 | 0.6 | 1.3 |
| Best |
7.4 2019 |
4.3 2015 |
8.1 2009 |
10.6 2009 |
7.6 2009 |
5.7 2019 |
8.1 2009 |
4.1 2020 |
7.7 2010 |
9.3 2011 |
4.8 2009 |
5.9 2010 |
| Worst |
-9.0 2009 |
-8.5 2009 |
-13.4 2020 |
-0.9 2012 |
-7.2 2010 |
-7.1 2008 |
-1.5 2011 |
-5.7 2011 |
-8.6 2008 |
-16.6 2008 |
-5.2 2008 |
-5.9 2018 |
| Gain Frequency |
46 | 62 | 69 | 92 | 54 | 46 | 69 | 54 | 54 | 58 | 67 | 75 |
Detail of Monthly Returns
| Months | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year | Return | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| 2020 |
-2.13% | -1.8 | -6.1 | -13.4 | 8.4 | 3.9 | 2.6 | 4.1 | 4.1 | -2.1 | |||
| 2019 |
+22.05% | 7.4 | 1.9 | 0.8 | 2.7 | -5.1 | 5.7 | 0.0 | -1.8 | 2.1 | 2.1 | 1.8 | 3.1 |
| 2018 |
-8.34% | 4.0 | -3.9 | -0.5 | 0.1 | 0.5 | -0.6 | 2.6 | 0.5 | -0.1 | -6.4 | 1.8 | -5.9 |
| 2017 |
+19.74% | 2.3 | 2.1 | 1.1 | 1.2 | 1.4 | 0.8 | 2.3 | 0.3 | 1.9 | 1.7 | 1.6 | 1.6 |
| 2016 |
+10.63% | -4.2 | -0.2 | 6.8 | 1.1 | 0.1 | 0.9 | 3.5 | 0.5 | 0.9 | -1.8 | 1.5 | 1.6 |
| 2015 |
-2.50% | -0.9 | 4.3 | -0.8 | 1.9 | -0.1 | -2.1 | 0.1 | -5.4 | -2.6 | 5.7 | -0.1 | -2.1 |
| 2014 |
+4.87% | -3.5 | 4.1 | 0.9 | 0.6 | 1.9 | 1.8 | -1.4 | 2.5 | -3.3 | 1.7 | 0.9 | -1.1 |
| 2013 |
+19.51% | 3.3 | 0.2 | 2.1 | 2.3 | -0.5 | -2.2 | 4.3 | -2.4 | 4.7 | 3.5 | 1.5 | 1.6 |
| 2012 |
+15.65% | 5.2 | 3.6 | 0.9 | -0.9 | -6.8 | 4.1 | 0.8 | 2.1 | 2.6 | -0.4 | 1.2 | 2.6 |
| 2011 |
-3.28% | 0.9 | 2.6 | 0.6 | 3.2 | -1.3 | -1.3 | -1.5 | -5.7 | -8.2 | 9.3 | -0.9 | 0.1 |
| 2010 |
+13.72% | -3.4 | 2.1 | 5.5 | 1.0 | -7.2 | -3.1 | 7.1 | -3.0 | 7.7 | 3.1 | -1.5 | 5.9 |
| 2009 |
+29.45% | -9.0 | -8.5 | 8.1 | 10.6 | 7.6 | -0.5 | 8.1 | 3.1 | 4.7 | -2.6 | 4.8 | 2.1 |
| 2008 |
-31.16% | -4.7 | -1.3 | -0.8 | 4.1 | 1.4 | -7.1 | -1.3 | -0.5 | -8.6 | -16.6 | -5.2 | 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