Data Source: from January 1996 to September 2021
Last Update: 30 September 2021
The Betterment Robo Advisor 90 Portfolio is exposed for 90.1% on the Stock Market.
It's a Very High Risk portfolio and it can be replicated with 11 ETFs.
In the last 10 years, the portfolio obtained a 11.57% compound annual return, with a 12.50% standard deviation.
In the last 25 years, a 8.37% compound annual return, with a 14.69% standard deviation.
In 2020, the portfolio granted a 1.94% dividend yield. If you are interested in getting periodic income, please refer to the Betterment Robo Advisor 90 Portfolio: Dividend Yield page.
Asset Allocation and ETFs
The Betterment Robo Advisor 90 Portfolio has the following asset allocation:
The Betterment Robo Advisor 90 Portfolio can be replicated 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 |
Portfolio and ETF Returns
The Betterment Robo Advisor 90 Portfolio guaranteed the following returns.
| 1M | 3M | 6M | 1Y | 3Y(*) | 5Y(*) | 10Y(*) | 20Y(*) | 25Y(*) | |
|---|---|---|---|---|---|---|---|---|---|
| Betterment Robo Advisor 90 Portfolio | -3.56 | -1.92 | +3.66 | +27.30 | +10.63 | +11.50 | +11.57 | +9.13 | +8.37 |
| Components | |||||||||
|
VTI Vanguard Total Stock Market |
-4.46 | -0.03 | +8.10 | +32.16 | +16.05 | +16.88 | +16.60 | +10.07 | +9.79 |
|
VEA Vanguard FTSE Developed Markets |
-3.38 | -1.62 | +4.04 | +26.63 | +8.23 | +9.20 | +8.70 | +6.84 | +5.42 |
|
EEM iShares MSCI Emerging Markets |
-3.87 | -8.65 | -5.14 | +15.96 | +7.76 | +8.29 | +5.81 | +10.20 | +6.12 |
|
VTV Vanguard Value |
-3.94 | -0.95 | +4.14 | +32.59 | +9.86 | +12.14 | +14.05 | +8.41 | +8.67 |
|
VOE Vanguard Mid-Cap Value |
-3.79 | -0.23 | +4.44 | +40.42 | +9.85 | +10.81 | +14.13 | +10.63 | +10.68 |
|
IJS iShares S&P Small-Cap 600 Value |
-1.46 | -4.03 | +0.66 | +66.24 | +8.16 | +11.74 | +14.78 | +10.60 | +10.64 |
|
BND Vanguard Total Bond Market |
-1.01 | -0.05 | +1.88 | -1.04 | +5.36 | +2.88 | +2.88 | +4.09 | +4.86 |
|
BNDX Vanguard Total International Bond |
-1.08 | -0.03 | +0.15 | -1.08 | +3.98 | +2.63 | +4.08 | +5.06 | +5.33 |
|
EMB iShares JP Morgan USD Em Mkts Bd |
-2.64 | -1.22 | +3.01 | +3.20 | +5.43 | +3.36 | +5.14 | +8.56 | +9.45 |
|
TIP iShares TIPS Bond |
-0.78 | +1.71 | +4.97 | +4.88 | +7.23 | +4.13 | +2.97 | +4.99 | +5.88 |
|
BIL SPDR Blmbg Barclays 1-3 Mth T-Bill |
+0.01 | -0.01 | -0.04 | -0.06 | +0.96 | +0.96 | +0.45 | +1.15 | +1.92 |
- 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 90 Portfolio: Dividend Yield page.
Historical Returns
Betterment Robo Advisor 90 Portfolio - Historical returns and stats.
| Period | Returns Sep 2021 |
Standard Deviation * |
Max Drawdown |
Months Pos - Neg |
|---|---|---|---|---|
|
1M
|
-3.56%
|
-3.56%
Sep 2021 - Sep 2021
|
0 - 1 | |
|
3M
|
-1.92%
|
-3.56%
Sep 2021 - Sep 2021
|
1 - 2 | |
|
6M
|
+3.66%
|
-3.56%
Sep 2021 - Sep 2021
|
4 - 2 | |
|
YTD
|
+10.40%
|
-3.56%
Sep 2021 - Sep 2021
|
7 - 2 | |
|
1Y
|
+27.30%
|
12.31%
|
-3.56%
Sep 2021 - Sep 2021
|
9 - 3 |
|
3Y
|
+10.63%
annualized
|
17.14%
|
-22.15%
Jan 2020 - Mar 2020
|
24 - 12 |
|
5Y
|
+11.50%
annualized
|
13.81%
|
-22.15%
Jan 2020 - Mar 2020
|
43 - 17 |
|
10Y
|
+11.57%
annualized
|
12.50%
|
-22.15%
Jan 2020 - Mar 2020
|
81 - 39 |
|
20Y
|
+9.13%
annualized
|
14.47%
|
-50.07%
Nov 2007 - Feb 2009
|
154 - 86 |
|
25Y
|
+8.37%
annualized
|
14.69%
|
-50.07%
Nov 2007 - Feb 2009
|
187 - 113 |
|
MAX
01 Jan 1996
|
+8.51%
annualized
|
14.54%
|
-50.07%
Nov 2007 - Feb 2009
|
194 - 115 |
Best Classic Portfolios, with Very High Risk, ordered by 25 Years annualized return.
25 Years Stats |
% Allocation |
||||||
|---|---|---|---|---|---|---|---|
| Portfolio | Return▾ | Drawdown | Stocks | Bonds | Comm. | ||
| Technology |
+13.30% | -81.08% | 100 | 0 | 0 | Compare | |
| US Stocks |
+9.79% | -50.84% | 100 | 0 | 0 | Compare | |
| Warren Buffett |
+9.32% | -45.53% | 90 | 10 | 0 | Compare | |
| Aggressive Global Income |
+9.18% | -52.62% | 80 | 20 | 0 | Compare | |
| Stocks/Bonds 80/20 |
+9.12% | -41.09% | 80 | 20 | 0 | Compare | |
Capital Growth
Drawdowns
Rolling Returns ( more details)
Betterment Robo Advisor 90 Portfolio: annualized rolling and average returns
| Return (*) | Negative Periods |
|||
|---|---|---|---|---|
| Rolling Period | Average | Best | Worst | |
| 1 Year |
+9.57% |
+58.27% Mar 2009 - Feb 2010 |
-42.94% Mar 2008 - Feb 2009 |
25.84% |
| 2 Years |
+8.33% |
+38.42% Mar 2009 - Feb 2011 |
-24.07% Mar 2007 - Feb 2009 |
18.53% |
| 3 Years |
+7.89% |
+26.29% Apr 2003 - Mar 2006 |
-12.87% Mar 2006 - Feb 2009 |
16.06% |
| 5 Years |
+7.47% |
+20.84% Oct 2002 - Sep 2007 |
-2.57% Mar 2004 - Feb 2009 |
4.00% |
| 7 Years |
+7.51% |
+13.43% Mar 2009 - Feb 2016 |
+1.15% Mar 2002 - Feb 2009 |
0.00% |
| 10 Years |
+7.61% |
+13.18% Mar 2009 - Feb 2019 |
+1.70% Mar 1999 - Feb 2009 |
0.00% |
| 15 Years |
+7.50% |
+10.68% Feb 2003 - Jan 2018 |
+5.71% Feb 2001 - Jan 2016 |
0.00% |
| 20 Years |
+7.32% |
+9.13% Oct 2001 - Sep 2021 |
+5.16% Apr 2000 - 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 90 Portfolio: Rolling Returns page.
Seasonality and Yearly/Monthly Returns
Betterment Robo Advisor 90 Portfolio Seasonality: in which months is it better to invest?
In the table below, the average monthly return is represented.
Below each return, it's also mentioned the probability of obtaining a positive monthly result (Win %).
Both the Average Return and the Gain Frequency are useful to get an idea of what happened in the past.
| Monthly Average Return (%) and Gain Frequency | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return (%) | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| Average Win % |
0.10 54% |
0.28 62% |
1.02 65% |
2.53 81% |
0.21 58% |
0.32 54% |
0.66 50% |
-0.55 62% |
-0.09 58% |
1.00 64% |
1.97 76% |
1.93 72% |
| Best Year |
8.0 2019 |
7.0 1998 |
8.8 2009 |
11.6 2009 |
8.3 2009 |
6.2 2019 |
8.8 2009 |
4.7 2020 |
8.7 2010 |
10.6 2011 |
11.4 2020 |
7.5 1999 |
| Worst Year |
-9.7 2009 |
-9.4 2009 |
-14.6 2020 |
-3.9 2000 |
-8.1 2010 |
-7.9 2008 |
-8.7 2002 |
-14.8 1998 |
-9.6 2001 |
-18.2 2008 |
-6.5 2008 |
-6.9 2018 |
For further information about the seasonality, check the Asset Class Seasonality page.
Monthly Returns of Betterment Robo Advisor 90 Portfolio
| Months | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year | Return | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| 2021 |
+10.40% | 0.4 | 3.1 | 3.0 | 3.3 | 1.9 | 0.4 | -0.3 | 2.0 | -3.6 | |||
| 2020 |
+12.42% | -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% | 8.0 | 2.2 | 0.7 | 3.1 | -5.8 | 6.2 | -0.1 | -2.2 | 2.4 | 2.3 | 2.2 | 3.4 |
| 2018 |
-9.42% | 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% | 2.5 | 2.3 | 1.2 | 1.3 | 1.5 | 0.9 | 2.5 | 0.3 | 2.2 | 1.9 | 1.8 | 1.7 |
| 2016 |
+10.80% | -4.9 | -0.5 | 7.5 | 1.2 | 0.1 | 0.6 | 3.9 | 0.5 | 0.9 | -2.0 | 1.8 | 1.7 |
| 2015 |
-2.80% | -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% | -4.0 | 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% | 3.8 | 0.2 | 2.4 | 2.4 | -0.2 | -2.2 | 4.6 | -2.5 | 5.0 | 3.7 | 1.8 | 1.8 |
| 2012 |
+16.43% | 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% | 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% | -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% | -9.7 | -9.4 | 8.8 | 11.6 | 8.3 | -0.7 | 8.8 | 3.1 | 5.0 | -2.9 | 5.2 | 2.4 |
| 2008 |
-35.20% | -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% | 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% | 5.6 | -0.5 | 2.3 | 2.8 | -4.2 | 0.0 | 0.6 | 2.2 | 1.0 | 3.9 | 3.0 | 2.2 |
| 2005 |
+12.34% | -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% | 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% | -2.4 | -2.0 | -0.6 | 8.2 | 6.3 | 2.2 | 2.7 | 3.0 | 0.4 | 6.3 | 1.8 | 5.5 |
| 2002 |
-13.60% | -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% | 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% | -4.6 | 1.5 | 4.5 | -3.9 | -2.4 | 2.8 | -1.7 | 4.2 | -3.2 | -1.7 | -5.8 | 4.4 |
| 1999 |
+27.16% | 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% | -0.2 | 7.0 | 3.9 | 0.6 | -3.0 | 0.0 | -1.5 | -14.8 | 4.1 | 8.0 | 5.0 | 3.3 |
| 1997 |
+14.35% | 2.2 | 1.0 | -2.9 | 2.0 | 6.4 | 4.1 | 4.6 | -5.0 | 5.1 | -5.7 | 1.2 | 1.5 |
| 1996 |
+15.14% | 2.8 | 0.4 | 1.5 | 2.5 | 1.1 | -0.2 | -4.4 | 2.3 | 3.5 | 0.6 | 5.0 | -0.8 |
* 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:
- 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