Data Source: from January 1985 to February 2023 (~38 years)
Consolidated Returns as of 28 February 2023
Live Update: Mar 20 2023
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.87%
1 Day
Mar 20 2023
2.25%
Current Month
March 2023

The Betterment Robo Advisor 90 Portfolio is a Very High Risk portfolio and can be implemented with 11 ETFs.

It's exposed for 90.1% on the Stock Market.

In the last 30 Years, the Betterment Robo Advisor 90 Portfolio obtained a 8.37% compound annual return, with a 14.39% standard deviation.

Asset Allocation and ETFs

The Betterment Robo Advisor 90 Portfolio has the following asset allocation:

90.1% Stocks
9.9% Fixed Income
0% Commodities

The Betterment Robo Advisor 90 Portfolio can be implemented with the following ETFs:

Weight Ticker ETF Name Investment Themes
30.90 %
VTI Vanguard Total Stock Market Equity, U.S., Large Cap
24.60 %
VEA Vanguard FTSE Developed Markets Equity, EAFE, Large Cap
14.00 %
EEM iShares MSCI Emerging Markets Equity, Emerging Markets, Large Cap
8.20 %
VTV Vanguard Value Equity, U.S., Large Cap, Value
6.70 %
VOE Vanguard Mid-Cap Value Equity, U.S., Mid Cap
5.70 %
IJS iShares S&P Small-Cap 600 Value Equity, U.S., Small Cap, Value
3.50 %
BND Vanguard Total Bond Market Bond, U.S., All-Term
2.90 %
BNDX Vanguard Total International Bond Bond, Developed Markets, All-Term
1.70 %
EMB iShares JP Morgan USD Em Mkts Bd Bond, Emerging Markets, All-Term
1.20 %
TIP iShares TIPS Bond Bond, U.S., All-Term
0.60 %
BIL SPDR Blmbg Barclays 1-3 Mth T-Bill Bond, U.S., Ultra Short-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 as of Feb 28, 2023

The Betterment Robo Advisor 90 Portfolio guaranteed the following returns.

Portfolio returns are calculated in USD, assuming: March 2023 return is calculated on the hypothesis of a newly built portfolio, with the starting asset allocation.
BETTERMENT ROBO ADVISOR 90 PORTFOLIO RETURNS
Consolidated returns as of 28 February 2023
Live Update: Mar 20 2023
Swipe left to see all data
  Chg (%) Return (%)
Return (%) as of Feb 28, 2023
  1 Day Time ET(*) Mar 2023 1M 6M 1Y 5Y 10Y 30Y MAX
(~38Y)
Betterment Robo Advisor 90 Portfolio 0.87 -2.25 -3.48 3.96 -7.05 5.09 7.59 8.37 10.30
US Inflation Adjusted return -4.02 2.35 -12.34 1.19 4.84 5.72 7.31
Components
VTI
Vanguard Total Stock Market 		0.87 Mar 20 2023 -1.32 -2.40 1.41 -8.31 9.34 11.82 9.64 9.03
VEA
Vanguard FTSE Developed Markets 		1.15 Mar 20 2023 -2.20 -3.47 10.79 -4.82 2.80 5.11 5.61 8.11
EEM
iShares MSCI Emerging Markets 		0.37 Mar 20 2023 -1.26 -7.57 -1.58 -16.23 -2.35 0.92 5.83 7.41
VTV
Vanguard Value 		1.39 Mar 20 2023 -3.59 -3.24 5.02 -0.39 8.39 11.01 9.29 9.93
VOE
Vanguard Mid-Cap Value 		1.47 Mar 20 2023 -6.93 -3.56 4.35 -1.64 7.32 10.40 10.61 11.73
IJS
iShares S&P Small-Cap 600 Value 		1.22 Mar 20 2023 -9.35 -1.73 9.45 -0.24 7.77 10.41 10.74 12.91
BND
Vanguard Total Bond Market 		-0.43 Mar 20 2023 2.08 -2.90 -2.30 -9.97 0.49 1.05 4.25 4.49
BNDX
Vanguard Total International Bond 		-0.08 Mar 20 2023 2.83 -1.50 -1.94 -9.67 0.01 1.50 4.87 6.58
EMB
iShares JP Morgan USD Em Mkts Bd 		0.01 Mar 20 2023 -0.77 -3.04 2.03 -10.19 -1.04 1.21 9.05 9.44
TIP
iShares TIPS Bond 		0.09 Mar 20 2023 1.44 -1.35 -4.27 -11.42 2.21 0.98 5.20 6.82
BIL
SPDR Blmbg Barclays 1-3 Mth T-Bill 		0.01 Mar 20 2023 0.30 0.35 1.68 2.07 1.18 0.66 2.19 3.99
Returns over 1 year are annualized | Available data source: since Jan 1985
(*) Eastern Time (ET - America/New York)

US Inflation is updated to Feb 2023. Current inflation (annualized) is 1Y: 6.04% , 5Y: 3.86% , 10Y: 2.63% , 30Y: 2.51%

Live update: World Markets and Indexes

Portfolio Metrics as of Feb 28, 2023

Metrics of Betterment Robo Advisor 90 Portfolio, updated as of 28 February 2023.

Portfolio metrics are calculated based on monthly returns, assuming:
BETTERMENT ROBO ADVISOR 90 PORTFOLIO
Portfolio Metrics
Data Source: 1 January 1985 - 28 February 2023 (~38 years)
Swipe left to see all data
Metrics as of Feb 28, 2023
1M 3M 6M 1Y 3Y 5Y 10Y 20Y 30Y MAX
(~38Y)
Portfolio
Return (%)		 -3.48 -0.38 3.96 -7.05 7.87 5.09 7.59 9.13 8.37 10.30
US Inflation (%) 0.56 1.05 1.58 6.04 5.16 3.86 2.63 2.51 2.51 2.79
Infl. Adjusted
Return (%)		 -4.02 -1.41 2.35 -12.34 2.57 1.19 4.84 6.45 5.72 7.31
Returns / Inflation rates over 1 year are annualized.
RISK INDICATORS
Standard Deviation (%) 20.48 18.55 16.64 13.49 14.70 14.39 14.55
Sharpe Ratio -0.45 0.39 0.24 0.51 0.54 0.43 0.43
Sortino Ratio -0.65 0.51 0.31 0.68 0.71 0.56 0.56
MAXIMUM DRAWDOWN
Drawdown Depth (%) -19.57 -23.36 -23.36 -23.36 -50.07 -50.07 -50.07
Start (yyyy mm) 2022 04 2022 01 2022 01 2022 01 2007 11 2007 11 2007 11
Bottom (yyyy mm) 2022 09 2022 09 2022 09 2022 09 2009 02 2009 02 2009 02
Start to Bottom (# months) 6 9 9 9 16 16 16
Start to Recovery (# months) in progress
> 11
> 14
> 14
> 14
62
62
62
ROLLING PERIOD RETURNS - Annualized
Best Return (%) 58.27 26.29 23.28 16.52 13.32 11.33
Worst Return (%) -42.94 -12.87 -2.57 1.70 5.16 8.17
% Positive Periods 76% 90% 97% 100% 100% 100%
MONTHS
Positive 0 1 3 6 22 36 77 154 225 294
Negative 1 2 3 6 14 24 43 86 135 164
% Positive 0% 33% 50% 50% 61% 60% 64% 64% 63% 64%
WITHDRAWAL RATES (WR)
Safe WR (%) 40.02 21.95 14.34 11.32 8.45 12.17
Perpetual WR (%) 2.51 1.17 4.62 6.06 5.41 6.81
Terms and Definitions
  • Annualized Portfolio Return: it's the annualized geometric mean return of the portfolio
  • Standard Deviation: it's a measure of the dispersion of returns around the mean
  • Sharpe Ratio: it's a measure of risk-adjusted performance of the portfolio. It's calculated by dividing the excess return of the portfolio over the risk-free rate by the portfolio standard deviation. The risk-free rate here considered is the 1-3 Mth T-Bill return.
  • Sortino Ratio: another measure of risk-adjusted performance of the portfolio. It's a modification of the Sharpe Ratio (same formula but the denominator is the portfolio downside standard deviation).
  • Maximum Drawdown: a drawdown refers to the decline in value from a relative peak value to a relative trough. A maximum drawdown is the maximum observed loss from a peak to a trough of a portfolio before a new peak is attained.
  • Rolling Returns: returns over a time frame (best, worst, % of positive returns).
  • Pos./Neg. Months: number of months with positive/negative return.
  • Safe Withdrawal Rate (SWR): it's the percentage of the original portfolio balance that can be withdrawn at the end of each year with inflation adjustment, without the portfolio running out of money (dollar amount withdrawal).
  • Perpetual Withdrawal Rate (PWR): it's the percentage of portfolio balance that can be withdrawn at the end of each year, while retaining the inflation adjusted portfolio balance (percentage withdrawal).

Portfolio Components Correlation

Correlation measures to what degree the returns of the two assets move in relation to each other.

Correlation coefficient is a numerical value between -1 and +1.

If one variable goes up by a certain amount, the correlation coefficient indicates which way the other variable moves and by how much.

Asset correlations are calculated based on monthly returns.
COMPONENTS MONTHLY CORRELATIONS
Monthly correlations as of 28 February 2023
Swipe left to see all data
 
 
 
 
 
 
 
 
 
 
 
Asset VTI VEA EEM VTV VOE IJS BND BNDX EMB TIP BIL
VTI
1.00
0.90
0.63
0.92
0.96
0.95
0.72
0.84
0.80
0.86
0.03
VEA
0.90
1.00
0.86
0.87
0.92
0.86
0.86
0.86
0.95
0.86
0.22
EEM
0.63
0.86
1.00
0.59
0.67
0.58
0.88
0.71
0.91
0.67
0.28
VTV
0.92
0.87
0.59
1.00
0.97
0.92
0.59
0.70
0.74
0.78
-0.04
VOE
0.96
0.92
0.67
0.97
1.00
0.95
0.69
0.78
0.80
0.85
-0.01
IJS
0.95
0.86
0.58
0.92
0.95
1.00
0.67
0.81
0.70
0.85
0.01
BND
0.72
0.86
0.88
0.59
0.69
0.67
1.00
0.89
0.91
0.81
0.20
BNDX
0.84
0.86
0.71
0.70
0.78
0.81
0.89
1.00
0.83
0.89
0.08
EMB
0.80
0.95
0.91
0.74
0.80
0.70
0.91
0.83
1.00
0.79
0.29
TIP
0.86
0.86
0.67
0.78
0.85
0.85
0.81
0.89
0.79
1.00
0.03
BIL
0.03
0.22
0.28
-0.04
-0.01
0.01
0.20
0.08
0.29
0.03
1.00
 
 
 
 
 
 
 
 
 
 
 
Asset VTI VEA EEM VTV VOE IJS BND BNDX EMB TIP BIL
VTI
1.00
0.91
0.72
0.93
0.94
0.89
0.44
0.48
0.72
0.59
-0.22
VEA
0.91
1.00
0.85
0.90
0.91
0.86
0.48
0.47
0.81
0.55
-0.13
EEM
0.72
0.85
1.00
0.70
0.75
0.72
0.49
0.41
0.79
0.43
-0.12
VTV
0.93
0.90
0.70
1.00
0.97
0.90
0.27
0.33
0.64
0.43
-0.23
VOE
0.94
0.91
0.75
0.97
1.00
0.94
0.32
0.40
0.70
0.48
-0.24
IJS
0.89
0.86
0.72
0.90
0.94
1.00
0.25
0.33
0.59
0.41
-0.24
BND
0.44
0.48
0.49
0.27
0.32
0.25
1.00
0.88
0.70
0.83
0.09
BNDX
0.48
0.47
0.41
0.33
0.40
0.33
0.88
1.00
0.69
0.83
0.02
EMB
0.72
0.81
0.79
0.64
0.70
0.59
0.70
0.69
1.00
0.63
-0.01
TIP
0.59
0.55
0.43
0.43
0.48
0.41
0.83
0.83
0.63
1.00
-0.15
BIL
-0.22
-0.13
-0.12
-0.23
-0.24
-0.24
0.09
0.02
-0.01
-0.15
1.00
 
 
 
 
 
 
 
 
 
 
 
Asset VTI VEA EEM VTV VOE IJS BND BNDX EMB TIP BIL
VTI
1.00
0.88
0.68
0.94
0.94
0.87
0.33
0.38
0.64
0.44
-0.16
VEA
0.88
1.00
0.83
0.85
0.87
0.77
0.39
0.37
0.75
0.47
-0.09
EEM
0.68
0.83
1.00
0.66
0.69
0.62
0.41
0.33
0.74
0.43
-0.06
VTV
0.94
0.85
0.66
1.00
0.96
0.88
0.18
0.25
0.56
0.30
-0.18
VOE
0.94
0.87
0.69
0.96
1.00
0.92
0.25
0.33
0.63
0.36
-0.20
IJS
0.87
0.77
0.62
0.88
0.92
1.00
0.15
0.23
0.49
0.27
-0.19
BND
0.33
0.39
0.41
0.18
0.25
0.15
1.00
0.87
0.71
0.83
0.04
BNDX
0.38
0.37
0.33
0.25
0.33
0.23
0.87
1.00
0.67
0.79
-0.05
EMB
0.64
0.75
0.74
0.56
0.63
0.49
0.71
0.67
1.00
0.66
-0.03
TIP
0.44
0.47
0.43
0.30
0.36
0.27
0.83
0.79
0.66
1.00
-0.06
BIL
-0.16
-0.09
-0.06
-0.18
-0.20
-0.19
0.04
-0.05
-0.03
-0.06
1.00
 
 
 
 
 
 
 
 
 
 
 
Asset VTI VEA EEM VTV VOE IJS BND BNDX EMB TIP BIL
VTI
1.00
0.83
0.74
0.94
0.90
0.86
0.14
0.14
0.57
0.19
-0.03
VEA
0.83
1.00
0.80
0.81
0.78
0.74
0.15
0.17
0.58
0.19
-0.04
EEM
0.74
0.80
1.00
0.70
0.69
0.66
0.14
0.16
0.66
0.19
-0.03
VTV
0.94
0.81
0.70
1.00
0.94
0.85
0.10
0.11
0.55
0.16
-0.01
VOE
0.90
0.78
0.69
0.94
1.00
0.90
0.13
0.16
0.56
0.21
-0.03
IJS
0.86
0.74
0.66
0.85
0.90
1.00
0.06
0.11
0.49
0.12
-0.03
BND
0.14
0.15
0.14
0.10
0.13
0.06
1.00
0.66
0.49
0.83
0.15
BNDX
0.14
0.17
0.16
0.11
0.16
0.11
0.66
1.00
0.36
0.61
0.06
EMB
0.57
0.58
0.66
0.55
0.56
0.49
0.49
0.36
1.00
0.44
0.07
TIP
0.19
0.19
0.19
0.16
0.21
0.12
0.83
0.61
0.44
1.00
0.10
BIL
-0.03
-0.04
-0.03
-0.01
-0.03
-0.03
0.15
0.06
0.07
0.10
1.00
 
 
 
 
 
 
 
 
 
 
 
Asset VTI VEA EEM VTV VOE IJS BND BNDX EMB TIP BIL
VTI
1.00
0.73
0.71
0.94
0.91
0.87
0.18
0.19
0.55
0.22
0.00
VEA
0.73
1.00
0.66
0.71
0.68
0.65
0.18
0.21
0.52
0.21
0.03
EEM
0.71
0.66
1.00
0.68
0.67
0.64
0.18
0.19
0.61
0.21
0.03
VTV
0.94
0.71
0.68
1.00
0.94
0.86
0.17
0.18
0.54
0.21
0.02
VOE
0.91
0.68
0.67
0.94
1.00
0.91
0.18
0.21
0.55
0.23
-0.01
IJS
0.87
0.65
0.64
0.86
0.91
1.00
0.09
0.14
0.48
0.14
-0.02
BND
0.18
0.18
0.18
0.17
0.18
0.09
1.00
0.74
0.51
0.88
0.22
BNDX
0.19
0.21
0.19
0.18
0.21
0.14
0.74
1.00
0.42
0.71
0.15
EMB
0.55
0.52
0.61
0.54
0.55
0.48
0.51
0.42
1.00
0.47
0.06
TIP
0.22
0.21
0.21
0.21
0.23
0.14
0.88
0.71
0.47
1.00
0.16
BIL
0.00
0.03
0.03
0.02
-0.01
-0.02
0.22
0.15
0.06
0.16
1.00

Portfolio Dividends

In 2022, the Betterment Robo Advisor 90 Portfolio granted a 1.95% dividend yield. If you are interested in getting periodic income, please refer to the Betterment Robo Advisor 90 Portfolio: Dividend Yield page.

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Capital Growth as of Feb 28, 2023

An investment of 1000$, since March 1993, now would be worth 11164.24$, with a total return of 1016.42% (8.37% annualized).

The Inflation Adjusted Capital now would be 5310.47$, with a net total return of 431.05% (5.72% annualized).
An investment of 1000$, since January 1985, now would be worth 42143.07$, with a total return of 4114.31% (10.30% annualized).

The Inflation Adjusted Capital now would be 14750.92$, with a net total return of 1375.09% (7.31% annualized).

Drawdowns

Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-50.07% Nov 2007 Feb 2009 16 Dec 2012 46 62
-32.03% Apr 2000 Sep 2002 30 Jan 2004 16 46
-23.36% Jan 2022 Sep 2022 9 in progress 5 14
-22.15% Jan 2020 Mar 2020 3 Nov 2020 8 11
-18.63% May 1998 Aug 1998 4 Jan 1999 5 9
-13.38% Feb 2018 Dec 2018 11 Oct 2019 10 21
-12.25% May 2015 Feb 2016 10 Aug 2016 6 16
-8.05% Feb 1994 Mar 1994 2 May 1995 14 16
-5.90% Aug 1997 Oct 1997 3 Feb 1998 4 7
-4.61% Jan 2000 Jan 2000 1 Mar 2000 2 3
-4.52% Jun 1996 Jul 1996 2 Sep 1996 2 4
-4.48% Mar 2005 Apr 2005 2 Jul 2005 3 5
-4.18% May 2006 May 2006 1 Oct 2006 5 6
-4.04% Jan 2014 Jan 2014 1 Feb 2014 1 2
-3.89% Nov 1993 Nov 1993 1 Dec 1993 1 2
-3.67% Mar 2004 Apr 2004 2 Sep 2004 5 7
-3.56% Sep 2021 Sep 2021 1 Oct 2021 1 2
-3.51% Sep 2014 Sep 2014 1 Feb 2015 5 6
-3.19% Jun 2007 Jul 2007 2 Sep 2007 2 4
-3.14% Oct 2005 Oct 2005 1 Nov 2005 1 2
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-50.07% Nov 2007 Feb 2009 16 Dec 2012 46 62
-32.03% Apr 2000 Sep 2002 30 Jan 2004 16 46
-23.49% Sep 1987 Nov 1987 3 Jan 1989 14 17
-23.36% Jan 2022 Sep 2022 9 in progress 5 14
-22.15% Jan 2020 Mar 2020 3 Nov 2020 8 11
-18.78% Jan 1990 Sep 1990 9 Feb 1991 5 14
-18.63% May 1998 Aug 1998 4 Jan 1999 5 9
-13.38% Feb 2018 Dec 2018 11 Oct 2019 10 21
-12.25% May 2015 Feb 2016 10 Aug 2016 6 16
-8.05% Feb 1994 Mar 1994 2 May 1995 14 16
-5.90% Aug 1997 Oct 1997 3 Feb 1998 4 7
-5.35% Sep 1986 Sep 1986 1 Jan 1987 4 5
-5.09% Jun 1991 Jun 1991 1 Aug 1991 2 3
-4.61% Jan 2000 Jan 2000 1 Mar 2000 2 3
-4.60% Nov 1991 Nov 1991 1 Dec 1991 1 2
-4.52% Jun 1996 Jul 1996 2 Sep 1996 2 4
-4.48% Mar 2005 Apr 2005 2 Jul 2005 3 5
-4.18% May 2006 May 2006 1 Oct 2006 5 6
-4.04% Jan 2014 Jan 2014 1 Feb 2014 1 2
-4.00% Jun 1992 Jun 1992 1 Dec 1992 6 7

Rolling Returns ( more details)

Betterment Robo Advisor 90 Portfolio: annualized rolling and average returns

Swipe left to see all data
Rolling
Period		 Return (*) Negative
Periods
Average (%) Best (%) Worst (%)
1 Year
 11.27 58.27
Mar 2009 - Feb 2010 		-42.94
Mar 2008 - Feb 2009 		23.71%
2 Years
 10.52 38.42
Mar 2009 - Feb 2011 		-24.07
Mar 2007 - Feb 2009 		12.64%
3 Years
 10.00 26.29
Apr 2003 - Mar 2006 		-12.87
Mar 2006 - Feb 2009 		10.40%
5 Years
 9.74 23.28
Jan 1985 - Dec 1989 		-2.57
Mar 2004 - Feb 2009 		2.51%
7 Years
 9.59 19.59
Jan 1985 - Dec 1991 		1.15
Mar 2002 - Feb 2009 		0.00%
10 Years
 9.39 16.52
Jan 1985 - Dec 1994 		1.70
Mar 1999 - Feb 2009 		0.00%
15 Years
 8.85 16.86
Jan 1985 - Dec 1999 		4.74
Mar 1994 - Feb 2009 		0.00%
20 Years
 8.92 13.32
Jan 1985 - Dec 2004 		5.16
Apr 2000 - Mar 2020 		0.00%
30 Years
 9.46 11.33
Jan 1985 - Dec 2014 		8.17
Oct 1992 - Sep 2022 		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 90 Portfolio: Rolling Returns page.

Seasonality

In which months is it better to invest in Betterment Robo Advisor 90 Portfolio?

Both the Average Return and the Gain Frequency (Win %) are useful to get an idea of what happened in the past.

For further information about the seasonality, check the Asset Class Seasonality page.
Swipe left to see all data
Monthly Average Return (%) and Gain Frequency
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average
Gain Frequency
2.01
60%
-1.46
40%
-2.12
60%
1.81
80%
0.36
80%
0.21
60%
2.56
60%
0.27
60%
-2.53
20%
0.84
60%
4.17
80%
0.27
60%
 Capital Growth on monthly avg returns
100
102.01
100.51
98.38
100.16
100.52
100.73
103.31
103.59
100.97
101.81
106.06
106.35
Best 8.0
2019 		3.1
2021 		3.0
2021 		9.4
2020 		4.2
2020 		6.2
2019 		5.8
2022 		4.7
2020 		2.4
2019 		6.3
2022 		11.4
2020 		4.9
2020
Worst -3.5
2022 		-6.9
2020 		-14.6
2020 		-6.8
2022 		-5.8
2019 		-7.6
2022 		-0.3
2021 		-3.7
2022 		-9.1
2022 		-7.2
2018 		-2.7
2021 		-6.9
2018
Monthly Seasonality over the period Mar 2018 - Feb 2023
Swipe left to see all data
Monthly Average Return (%) and Gain Frequency
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average
Gain Frequency
0.68
50%
-0.04
50%
0.05
70%
1.65
90%
0.51
70%
0.03
60%
2.23
70%
-0.38
60%
-1.10
40%
1.61
70%
2.72
80%
0.30
60%
 Capital Growth on monthly avg returns
100
100.68
100.65
100.70
102.35
102.88
102.91
105.21
104.81
103.65
105.32
108.19
108.51
Best 8.0
2019 		5.0
2015 		7.5
2016 		9.4
2020 		4.2
2020 		6.2
2019 		5.8
2022 		4.7
2020 		5.0
2013 		6.4
2015 		11.4
2020 		4.9
2020
Worst -4.9
2016 		-6.9
2020 		-14.6
2020 		-6.8
2022 		-5.8
2019 		-7.6
2022 		-1.6
2014 		-6.0
2015 		-9.1
2022 		-7.2
2018 		-2.7
2021 		-6.9
2018
Monthly Seasonality over the period Mar 2013 - Feb 2023
Swipe left to see all data
Monthly Average Return (%) and Gain Frequency
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average
Gain Frequency
1.16
62%
0.69
62%
0.91
63%
1.98
82%
0.98
66%
0.09
55%
1.28
61%
-0.19
61%
-0.63
50%
0.85
66%
1.53
71%
2.28
74%
 Capital Growth on monthly avg returns
100
101.16
101.86
102.78
104.82
105.84
105.93
107.29
107.08
106.41
107.31
108.95
111.44
Best 11.2
1987 		8.5
1991 		8.8
2009 		11.6
2009 		8.6
1990 		6.2
2019 		8.8
2009 		6.7
1986 		8.7
2010 		10.6
2011 		11.4
2020 		12.3
1991
Worst -9.7
2009 		-9.3
2009 		-14.6
2020 		-6.8
2022 		-8.1
2010 		-7.9
2008 		-8.7
2002 		-14.8
1998 		-9.6
2001 		-19.0
1987 		-6.5
2008 		-6.9
2018
Monthly Seasonality over the period Jan 1985 - Feb 2023

Monthly/Yearly Returns

Betterment Robo Advisor 90 Portfolio data source starts from January 1985: let's focus on monthly and yearly returns.

We are providing two different views:
  • Histogram: it shows the distribution of the returns recorded so far
  • Plain Table: it shows the detailed monthly and yearly returns
MONTHLY RETURNS HISTOGRAM
Jan 1985 - Feb 2023
294 Positive Months (64%) - 164 Negative Months (36%)
MONTHLY RETURNS TABLE
Jan 1985 - Feb 2023
(Scroll down to see all data)
Swipe left to see all data
Yearly Return(%)
Monthly Return(%)
Year Total Infl.Adj Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023
 +3.57 +2.18 7.3 -3.5
2022
 -15.33 -20.46 -3.5 -2.2 1.0 -6.8 0.9 -7.6 5.8 -3.7 -9.1 6.3 8.1 -3.8
2021
 +16.04 +8.41 0.4 3.1 3.0 3.3 1.9 0.4 -0.3 2.0 -3.6 4.0 -2.7 3.8
2020
 +12.42 +10.91 -2.1 -6.9 -14.6 9.4 4.2 2.7 4.6 4.7 -2.3 -1.3 11.4 4.9
2019
 +23.85 +21.08 8.0 2.2 0.7 3.0 -5.8 6.2 -0.1 -2.2 2.4 2.3 2.2 3.4
2018
 -9.42 -11.12 4.6 -4.3 -0.7 0.1 0.5 -0.7 2.9 0.6 0.0 -7.2 1.9 -6.9
2017
 +21.88 +19.36 2.5 2.3 1.2 1.3 1.5 0.9 2.5 0.3 2.2 1.9 1.8 1.6
2016
 +10.80 +8.54 -4.9 -0.5 7.5 1.2 0.1 0.6 3.9 0.5 0.9 -1.9 1.8 1.7
2015
 -2.80 -3.50 -1.4 5.0 -0.9 2.1 -0.1 -2.1 0.1 -6.0 -3.0 6.4 -0.1 -2.3
2014
 +4.90 +4.12 -4.0 4.5 1.0 0.6 1.9 2.0 -1.6 2.7 -3.5 1.9 1.1 -1.2
2013
 +22.35 +20.53 3.8 0.2 2.3 2.4 -0.2 -2.2 4.6 -2.5 5.0 3.7 1.8 1.8
2012
 +16.43 +14.44 5.7 4.0 1.1 -1.2 -7.5 4.6 0.6 2.3 2.8 -0.5 1.3 2.9
2011
 -4.58 -7.32 1.0 2.9 0.6 3.4 -1.6 -1.5 -2.0 -6.5 -9.2 10.6 -0.9 -0.1
2010
 +14.53 +12.84 -3.9 2.3 6.1 0.9 -8.1 -3.7 7.9 -3.7 8.7 3.4 -1.5 6.8
2009
 +31.75 +28.26 -9.7 -9.3 8.8 11.6 8.3 -0.7 8.8 3.1 5.0 -2.9 5.2 2.4
2008
 -35.20 -35.26 -5.7 -1.5 -0.8 4.9 1.7 -7.9 -1.7 -0.7 -9.3 -18.2 -6.5 5.5
2007
 +9.10 +4.83 1.3 -0.9 2.0 3.4 3.2 -0.6 -2.6 0.7 4.8 3.8 -4.6 -1.3
2006
 +20.04 +17.07 5.6 -0.5 2.3 2.8 -4.2 0.0 0.6 2.2 1.0 3.9 3.0 2.1
2005
 +12.34 +8.63 -1.8 3.7 -2.7 -1.8 2.6 1.7 4.1 0.6 2.9 -3.1 3.6 2.4
2004
 +17.30 +13.61 2.0 2.2 0.0 -3.7 1.1 2.2 -3.0 1.0 2.8 2.2 6.0 3.6
2003
 +35.45 +32.95 -2.4 -2.0 -0.5 8.2 6.2 2.2 2.7 3.0 0.4 6.2 1.8 5.5
2002
 -13.60 -15.61 -1.2 0.1 4.4 -1.3 -0.3 -5.5 -8.7 0.8 -9.3 5.6 5.3 -3.2
2001
 -8.35 -9.75 3.7 -6.6 -5.8 6.9 0.2 -2.0 -2.0 -3.1 -9.6 2.9 5.7 2.7
2000
 -6.41 -9.47 -4.6 1.5 4.5 -3.9 -2.4 2.7 -1.7 4.2 -3.2 -1.6 -5.8 4.4
1999
 +27.16 +23.83 1.0 -2.3 4.7 6.9 -2.4 4.7 -1.3 -0.7 -1.0 4.1 3.7 7.5
1998
 +10.74 +8.99 -0.2 7.0 3.9 0.6 -3.0 0.0 -1.4 -14.8 4.1 8.0 5.0 3.3
1997
 +14.35 +12.44 2.2 1.0 -2.9 2.0 6.3 4.1 4.6 -5.0 5.1 -5.7 1.2 1.5
1996
 +15.14 +11.43 2.8 0.4 1.5 2.5 1.1 -0.2 -4.4 2.3 3.5 0.6 5.0 -0.8
1995
 +21.12 +18.12 -1.3 1.1 2.7 3.2 2.8 1.0 3.9 -0.1 2.3 -1.9 3.3 2.5
1994
 -1.23 -3.80 5.2 -3.2 -5.0 2.2 0.6 -1.1 2.5 3.7 -2.5 1.6 -4.6 -0.1
1993
 +29.97 +26.49 3.2 1.8 5.5 2.0 1.3 1.5 2.4 4.5 -0.9 3.2 -3.9 6.3
1992
 +2.72 -0.17 0.1 -0.5 -2.8 1.6 4.4 -4.0 2.5 -0.7 -0.6 -0.5 2.4 1.1
1991
 +36.99 +32.92 4.2 8.5 0.1 1.5 4.3 -5.1 3.8 3.3 1.6 3.3 -4.6 12.3
1990
 -10.32 -15.48 -5.6 -0.9 -1.6 -2.9 8.6 0.3 2.2 -10.8 -8.5 5.6 2.0 2.5
1989
 +31.85 +25.99 5.7 0.7 -0.4 4.2 2.8 -1.0 6.6 2.9 3.3 -3.2 2.7 4.3
1988
 +22.55 +17.37 6.7 5.0 -0.1 1.3 -0.9 4.5 -0.4 -3.0 3.2 2.5 0.7 1.5
1987
 +1.77 -2.55 11.2 3.5 0.7 1.7 -1.0 1.3 4.0 4.2 -2.0 -19.0 -3.7 3.9
1986
 +26.81 +25.43 1.2 7.7 7.2 1.2 1.9 3.1 -1.9 6.7 -5.3 0.7 2.5 -0.1
1985
 +36.53 +31.53 8.2 1.6 0.7 0.5 5.9 2.0 0.3 0.2 -2.8 4.5 6.5 4.5

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
  • BND - Vanguard Total Bond Market: simulated historical serie, up to December 2007
  • BNDX - Vanguard Total International Bond: simulated historical serie, up to December 2013
  • 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
  • BIL - SPDR Blmbg Barclays 1-3 Mth T-Bill: simulated historical serie, up to December 2007

Portfolio efficiency

Compared to the Betterment Robo Advisor 90 Portfolio, the following portfolios granted a higher return over 30 Years and a less severe drawdown at the same time.

Swipe left to see all data
30 Years Stats (%)
% Allocation
Portfolio Return▾ Dev.Std Drawdown Stocks Bonds Comm
Stocks/Bonds 80/20 Momentum
 +10.78 12.19 -43.61 80 20 0
US Stocks Minimum Volatility
 +9.51 13.66 -43.27 100 0 0
Stocks/Bonds 60/40 Momentum
 +9.38 9.41 -32.52 60 40 0
Warren Buffett Portfolio
Warren Buffett 		+9.21 13.51 -45.52 90 10 0
Stocks/Bonds 80/20
 +8.84 12.34 -41.09 80 20 0
Robust
Alpha Architect 		+8.81 10.97 -44.20 70 20 10
Simple Path to Wealth
JL Collins 		+8.61 11.61 -38.53 75 25 0
Mid-Fifties
Burton Malkiel 		+8.51 12.91 -46.21 80 20 0
Late Thirties to Early Forties
Burton Malkiel 		+8.45 13.54 -48.28 85 15 0
Sheltered Sam 80/20
Bill Bernstein 		+8.41 12.09 -45.06 77.6 20 2.4
Robo Advisor 90
Betterment 		+8.37 14.39 -50.07 90.1 9.9 0

Here's a list containing the Best Classic Portfolios, with the highest returns over 30 Years and Very High Risk categorization.

Swipe left to see all data
30 Years Stats (%)
% Allocation
Portfolio Return▾ Dev.Std Drawdown Stocks Bonds Comm
Technology
 +13.03 23.91 -81.08 100 0 0
US Stocks Momentum
 +11.99 15.12 -53.85 100 0 0
Stocks/Bonds 80/20 Momentum
 +10.78 12.19 -43.61 80 20 0
US Stocks
 +9.64 15.38 -50.84 100 0 0
US Stocks Value
 +9.57 15.20 -55.41 100 0 0
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