Last Update: 30 June 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 9.13% compound annual return, with a 11.71% 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:

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 % 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
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 80 Portfolio guaranteed the following returns.

BETTERMENT ROBO ADVISOR 80 PORTFOLIO RETURNS (%)
Last Update: 30 June 2021
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*)
Betterment Robo Advisor 80 Portfolio +0.44 +5.28 +10.92 +34.02 +11.81 +12.01 +9.13
Components
VTI - Vanguard Total Stock Market +2.48 +8.13 +15.21 +44.42 +18.73 +17.90 +14.70
VEA - Vanguard FTSE Developed Markets -0.93 +5.74 +10.51 +36.44 +9.27 +10.90 +6.36
EEM - iShares MSCI Emerging Markets +0.95 +3.84 +7.20 +39.95 +10.70 +12.18 +3.57
VTV - Vanguard Value -1.25 +5.13 +16.81 +41.44 +12.82 +13.03 +12.27
VOE - Vanguard Mid-Cap Value -2.01 +4.69 +19.18 +50.03 +11.04 +12.08 +11.91
IJS - iShares S&P Small-Cap 600 Value -0.71 +4.90 +30.41 +77.03 +10.60 +14.24 +12.71
BNDX - Vanguard Total International Bond +0.37 +0.18 -2.12 -0.01 +3.98 +2.82 +4.43
BND - Vanguard Total Bond Market +0.90 +1.93 -1.78 -0.59 +5.41 +2.98 +3.29
EMB - iShares JP Morgan USD Em Mkts Bd +0.86 +4.28 -1.42 +7.01 +6.64 +4.25 +5.01
TIP - iShares TIPS Bond +0.72 +3.21 +1.47 +6.05 +6.32 +3.99 +3.26
(*) annualized
Portfolio returns are calculated assuming:
  • 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.

Readings that may interest you
Exchange-Traded Funds For Dummies
The RICH Method: The definitive guide to getting money and success. Reduce your ...
Action Workbook Based On Principles By Ray Dalio

Historical Returns

Betterment Robo Advisor 80 Portfolio - Historical returns and stats.

BETTERMENT ROBO ADVISOR 80 PORTFOLIO
Last Update: 30 June 2021
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Period Returns
Jun 2021		 Standard
Deviation *		 Max
Drawdown		 Months
Pos - Neg
1M
+0.44%
0.00%
1 - 0
3M
+5.28%
0.00%
3 - 0
6M
+10.92%
0.00%
6 - 0
YTD
+10.92%
0.00%
6 - 0
1Y
+34.02%
10.56%
-3.13%
Sep 2020 - Oct 2020
10 - 2
3Y
+11.81%
annualized
15.21%
-19.90%
Jan 2020 - Mar 2020
25 - 11
5Y
+12.01%
annualized
12.29%
-19.90%
Jan 2020 - Mar 2020
45 - 15
10Y
+9.13%
annualized
11.71%
-19.90%
Jan 2020 - Mar 2020
81 - 39
MAX
01 Jan 2008
+7.16%
annualized
14.11%
-42.55%
Jan 2008 - Feb 2009
103 - 59

* Annualized St.Dev. of monthly returns

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Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns ( more details)

Betterment Robo Advisor 80 Portfolio: annualized rolling and average returns

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Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
 +8.78% +53.11%
Mar 2009 - Feb 2010 		-38.93%
Mar 2008 - Feb 2009 		22.52%
2 Years
 +8.75% +35.20%
Mar 2009 - Feb 2011 		-6.15%
Jun 2008 - May 2010 		8.63%
3 Years
 +8.59% +23.07%
Mar 2009 - Feb 2012 		+0.48%
Jan 2008 - Dec 2010 		0.00%
5 Years
 +8.68% +18.83%
Mar 2009 - Feb 2014 		+2.41%
Apr 2015 - Mar 2020 		0.00%
7 Years
 +8.42% +12.68%
Mar 2009 - Feb 2016 		+4.61%
Apr 2013 - Mar 2020 		0.00%
10 Years
 +8.51% +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

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Months
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average -0.3 0.3 1.0 2.8 -0.2 0.0 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 93 57 50 69 54 54 54 69 77

Detail of Monthly Returns

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Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2021
 +10.92% 0.2 2.5 2.6 3.0 1.8 0.4
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

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