Data Source: from January 1995 to December 2021

Last Update: 31 December 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 11.12% compound annual return, with a 12.24% standard deviation.

In the last 25 years, a 8.38% compound annual return, with a 14.71% 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 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
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 90 Portfolio guaranteed the following returns.

BETTERMENT ROBO ADVISOR 90 PORTFOLIO RETURNS (%)
Last Update: 31 December 2021
Swipe left to see all data
1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*) 20Y(*) 25Y(*)
Betterment Robo Advisor 90 Portfolio +3.79 +5.10 +3.09 +16.04 +17.34 +12.27 +11.12 +8.81 +8.38
--- Inflation Adjusted return +3.31 +2.83 -0.30 +8.32 +13.34 +9.08 +8.82 +6.35 +5.95
Components
VTI
Vanguard Total Stock Market
+3.79 +9.11 +9.08 +25.67 +25.73 +17.96 +16.29 +9.91 +9.88
VEA
Vanguard FTSE Developed Markets
+4.34 +2.70 +1.04 +11.67 +14.54 +10.12 +8.44 +6.66 +5.54
EEM
iShares MSCI Emerging Markets
+1.53 -1.57 -10.09 -3.61 +10.06 +9.16 +4.73 +8.87 +5.94
VTV
Vanguard Value
+6.95 +9.34 +8.31 +26.51 +17.58 +12.48 +13.74 +8.48 +8.66
VOE
Vanguard Mid-Cap Value
+6.15 +8.30 +8.05 +28.76 +19.09 +11.60 +13.57 +10.46 +10.64
IJS
iShares S&P Small-Cap 600 Value
+4.12 +4.30 +0.09 +30.53 +18.47 +10.04 +13.33 +9.82 +10.48
BND
Vanguard Total Bond Market
-0.31 -0.04 -0.08 -1.86 +4.78 +3.54 +2.75 +4.09 +4.73
BNDX
Vanguard Total International Bond
-0.74 -0.14 -0.17 -2.28 +3.32 +3.03 +3.80 +4.96 +5.22
EMB
iShares JP Morgan USD Em Mkts Bd
+2.16 +0.40 -0.82 -2.24 +5.98 +4.41 +4.59 +7.91 +9.09
TIP
iShares TIPS Bond
+0.40 +2.39 +4.14 +5.67 +8.26 +5.18 +2.93 +5.18 +5.79
BIL
SPDR Blmbg Barclays 1-3 Mth T-Bill
0.00 -0.03 -0.04 -0.10 +0.77 +0.95 +0.45 +1.12 +1.86
(*) 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

Inflation is updated to Dec 2021. Current inflation (annualized) is 1Y: 7.12% , 3Y: 3.53% , 5Y: 2.92% , 10Y: 2.12% , 20Y: 2.31% , 25Y: 2.29%

In 2021, the portfolio granted a 2.36% dividend yield. If you are interested in getting periodic income, please refer to the Betterment Robo Advisor 90 Portfolio: Dividend Yield page.

Historical Returns

Historical returns and stats of Betterment Robo Advisor 90 Portfolio. Total Returns and Inflation Adjusted Returns are both mentioned.

BETTERMENT ROBO ADVISOR 90 PORTFOLIO
Last Update: 31 December 2021
Swipe left to see all data
Period Return
Dec 2021
update
Return
Inflation
Adjusted
Standard
Deviation(*)
Max
Drawdown
Months
Pos - Neg
1M
Dec 2021
+3.79%
+3.31%
0.00%
1 - 0
3M
+5.10%
+2.83%
-2.67%
Nov 2021 - Nov 2021
2 - 1
6M
+3.09%
-0.30%
-3.56%
Sep 2021 - Sep 2021
3 - 3
YTD
+16.04%
+8.32%
8.23%
-3.56%
Sep 2021 - Sep 2021
9 - 3
75% pos
1Y
+16.04%
+8.32%
8.23%
-3.56%
Sep 2021 - Sep 2021
9 - 3
75% pos
3Y
+17.34%
annualized
+13.34%
annualized
16.07%
-22.15%
Jan 2020 - Mar 2020
25 - 11
69% pos
5Y
+12.27%
annualized
+9.08%
annualized
13.96%
-22.15%
Jan 2020 - Mar 2020
43 - 17
72% pos
10Y
+11.12%
annualized
+8.82%
annualized
12.24%
-22.15%
Jan 2020 - Mar 2020
82 - 38
68% pos
20Y
+8.81%
annualized
+6.35%
annualized
14.47%
-50.07%
Nov 2007 - Feb 2009
153 - 87
64% pos
25Y
+8.38%
annualized
+5.95%
annualized
14.71%
-50.07%
Nov 2007 - Feb 2009
187 - 113
62% pos
MAX
01 Jan 1995
+9.07%
annualized
+6.58%
annualized
14.30%
-50.07%
Nov 2007 - Feb 2009
205 - 119
63% pos
(*)Annualized St.Dev. of monthly returns

Portfolio efficiency

Is the Betterment Robo Advisor 90 Portfolio actually efficient, compared to other Lazy Portfolios?

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
+9.88% -50.84% 100 0 0 Compare
Warren Buffett Portfolio
Warren Buffett
+9.38% -45.53% 90 10 0 Compare
Aggressive Global Income
+9.25% -52.62% 80 20 0 Compare
Stocks/Bonds 80/20
+9.17% -41.09% 80 20 0 Compare

See all portfolios

Our overall ratings, assigned to the Betterment Robo Advisor 90 Portfolio. The portfolio is classified as Very High Risk.

Very High Risk
Bond weight:
Less than 25%
High Risk
Bond weight:
25% - 49.99%
Medium Risk
Bond weight:
50% - 74.99%
Low Risk
Bond weight:
At least 75%
Very High Risk
Portfolios
All
Portfolios
25 Years Ann. Return
(Inflation Adjusted)
+8.38%
(+5.95%)
Average : 2.6 / 5
Good : 3.8 / 5
Standard Deviation
over 25 Years
14.71%
Good : 3.6 / 5
Average : 2.2 / 5
Maximum Drawdown
over 25 Years
-50.07%
Good : 3.6 / 5
Bad : 1.7 / 5
Easy to manage 11 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

Capital Growth

Time Range:

An investment of 1000$, since January 1997, now would be worth 7471.35$, with a total return of 647.13% (8.38% annualized).

The Inflation Adjusted Capital now would be 4242.42$, with a net total return of 324.24% (5.95% annualized).

Drawdowns

Time Range:

Worst drawdowns since January 1997 - Chart and Data

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
-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
-5.90% Aug 1997 Oct 1997 3 Feb 1998 4 7
-4.61% Jan 2000 Jan 2000 1 Mar 2000 2 3
-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
-3.67% 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
-2.90% Jul 1999 Sep 1999 3 Oct 1999 1 4
-2.85% Mar 1997 Mar 1997 1 May 1997 2 3
-2.67% Nov 2021 Nov 2021 1 Dec 2021 1 2
-2.54% Aug 2013 Aug 2013 1 Sep 2013 1 2

Rolling Returns ( more details)

Betterment Robo Advisor 90 Portfolio: annualized rolling and average returns

Swipe left to see all data
Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+10.07% +58.27%
Mar 2009 - Feb 2010
-42.94%
Mar 2008 - Feb 2009
24.60%
2 Years
+8.78% +38.42%
Mar 2009 - Feb 2011
-24.07%
Mar 2007 - Feb 2009
17.61%
3 Years
+8.27% +26.29%
Apr 2003 - Mar 2006
-12.87%
Mar 2006 - Feb 2009
15.22%
5 Years
+7.87% +20.84%
Oct 2002 - Sep 2007
-2.57%
Mar 2004 - Feb 2009
3.77%
7 Years
+7.54% +13.43%
Mar 2009 - Feb 2016
+1.15%
Mar 2002 - Feb 2009
0.00%
10 Years
+7.77% +13.18%
Mar 2009 - Feb 2019
+1.70%
Mar 1999 - Feb 2009
0.00%
15 Years
+7.52% +10.68%
Feb 2003 - Jan 2018
+5.71%
Feb 2001 - Jan 2016
0.00%
20 Years
+7.53% +9.20%
Nov 2001 - Oct 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

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.

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
Win %
0.05
52%
0.31
63%
1.08
67%
2.55
81%
0.31
59%
0.35
56%
0.77
52%
-0.54
59%
-0.01
59%
1.01
63%
1.85
74%
2.02
74%
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
-9.3
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
Statistics calculated for the period Jan 1995 - Dec 2021

For further information about the seasonality, check the Asset Class Seasonality page.

Monthly/Yearly Returns

Betterment Robo Advisor 90 Portfolio monthly and yearly returns: how is the distribution of the returns recorded so far?

MONTHLY RETURNS HISTOGRAM
205 Positive Months (63%) - 119 Negative Months (37%)
Jan 1995 - Dec 2021
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
2021
+16.04 +8.32 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 +10.97 -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 +21.11 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 +19.37 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 +8.57 -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 -3.42 -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 +4.22 -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 +20.52 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 +14.42 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 -7.41 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 +12.90 -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 +28.14 -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 -35.18 -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 +4.80 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 +17.09 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 +8.71 -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 +13.51 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 +32.74 -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 -15.69 -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 -9.79 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 -9.52 -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 +23.84 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 +12.45 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 +11.37 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 +18.13 -1.3 1.1 2.7 3.2 2.8 1.0 3.9 -0.1 2.3 -1.9 3.3 2.5

* 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
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