Last Update: 30 September 2020

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 8.3% compound annual return, with a 12.77% standard deviation.

In 2019, the portfolio granted a 2.95% 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:

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 % JKI iShares Morningstar 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: 30 September 2020
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*)
Betterment Robo Advisor 90 Portfolio -2.35 +6.83 +25.11 +4.80 +4.66 +8.89 +8.30
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
BND - Vanguard Total Bond Market -0.10 +0.40 +4.56 +7.06 +5.26 +4.17 +3.50
BNDX - Vanguard Total International Bond +0.86 +1.04 +3.95 +2.21 +5.10 +4.36 +4.58
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
BIL - SPDR Blmbg Barclays 1-3 Mth T-Bill -0.02 -0.01 -0.05 +0.78 +1.45 +0.98 +0.46
(*) 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 90 Portfolio: Dividend Yield page.

Historical Returns

Betterment Robo Advisor 90 Portfolio - Historical returns and stats.

BETTERMENT ROBO ADVISOR 90 PORTFOLIO
Last Update: 30 September 2020
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Period Returns
Sep 2020
Standard
Deviation *
Max
Drawdown
Months
Pos - Neg
1M
-2.35%
-2.35%
Sep 2020 - Sep 2020
0 - 1
3M
+6.83%
-2.35%
Sep 2020 - Sep 2020
2 - 1
6M
+25.11%
-2.35%
Sep 2020 - Sep 2020
5 - 1
YTD
-2.98%
-22.45%
Jan 2020 - Mar 2020
5 - 4
1Y
+4.80%
21.16%
-22.45%
Jan 2020 - Mar 2020
8 - 4
3Y
+4.66%
annualized
15.96%
-22.45%
Jan 2020 - Mar 2020
23 - 13
5Y
+8.89%
annualized
13.55%
-22.45%
Jan 2020 - Mar 2020
42 - 18
10Y
+8.30%
annualized
12.77%
-22.45%
Jan 2020 - Mar 2020
78 - 42
MAX
01 Jan 2008
+5.55%
annualized
15.78%
-47.09%
Jan 2008 - Feb 2009
94 - 59

* Annualized St.Dev. of monthly returns

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Capital Growth

Time Range:

Drawdowns

Time Range:

Rolling Returns

Betterment Robo Advisor 90 Portfolio: annualized rolling and average returns

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Return (*) Negative
Periods
Rolling Period Average Best Worst
1 Year
+8.07% +58.59%
Mar 2009 - Feb 2010
-43.12%
Mar 2008 - Feb 2009
26.06%
2 Years
+8.76% +38.52%
Mar 2009 - Feb 2011
-8.31%
Jun 2008 - May 2010
10.77%
3 Years
+8.99% +24.56%
Mar 2009 - Feb 2012
-0.79%
Jan 2008 - Dec 2010
1.69%
5 Years
+8.93% +20.28%
Mar 2009 - Feb 2014
+1.62%
Jan 2008 - Dec 2012
0.00%
7 Years
+8.93% +13.47%
Mar 2009 - Feb 2016
+4.70%
Apr 2013 - Mar 2020
0.00%
10 Years
+8.89% +13.23%
Mar 2009 - Feb 2019
+5.98%
Apr 2010 - Mar 2020
0.00%

* Annualized rolling and average returns over full calendar month periods

Seasonality and Yearly/Monthly Returns

Betterment Robo Advisor 90 Portfolio Seasonality

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Months
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average -0.5 0.0 0.9 3.1 -0.4 -0.1 2.3 -0.6 0.0 0.0 0.7 1.3
Best 8.0
2019
4.9
2015
8.9
2009
11.8
2009
8.3
2009
6.2
2019
8.8
2009
4.8
2020
8.7
2010
10.5
2011
5.2
2009
6.8
2010
Worst -9.9
2009
-9.5
2009
-14.7
2020
-1.2
2012
-8.1
2010
-7.9
2008
-2.0
2011
-6.6
2011
-9.3
2011
-18.0
2008
-6.6
2008
-6.9
2018
Gain
Frequency
46 62 69 92 54 46 69 54 54 58 67 67

Detail of Monthly Returns

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Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020
-2.98% -2.3 -7.0 -14.7 9.4 4.2 2.8 4.4 4.8 -2.4
2019
+23.64% 8.0 2.1 0.7 3.0 -5.8 6.2 -0.1 -2.3 2.5 2.3 2.1 3.4
2018
-9.31% 4.5 -4.3 -0.7 0.2 0.5 -0.7 2.8 0.6 -0.1 -7.1 1.9 -6.9
2017
+21.58% 2.5 2.2 1.2 1.2 1.5 0.9 2.5 0.2 2.2 1.9 1.8 1.6
2016
+11.40% -4.9 -0.4 7.5 1.2 0.1 0.6 3.9 0.5 1.0 -1.9 2.0 1.7
2015
-2.83% -1.4 4.9 -0.9 2.1 0.0 -2.1 0.0 -6.0 -2.9 6.4 -0.1 -2.3
2014
+4.71% -4.1 4.5 1.0 0.6 1.9 2.0 -1.6 2.7 -3.6 1.8 1.0 -1.2
2013
+22.61% 3.8 0.2 2.4 2.4 -0.1 -2.1 4.7 -2.6 5.1 3.7 1.7 1.8
2012
+16.49% 5.7 4.0 1.1 -1.2 -7.6 4.6 0.6 2.3 2.8 -0.5 1.3 3.0
2011
-4.73% 1.0 2.9 0.6 3.4 -1.6 -1.4 -2.0 -6.6 -9.3 10.5 -0.9 -0.1
2010
+14.44% -3.9 2.3 6.1 1.0 -8.1 -3.8 7.9 -3.7 8.7 3.4 -1.5 6.8
2009
+31.56% -9.9 -9.5 8.9 11.8 8.3 -0.7 8.8 3.2 4.9 -2.9 5.2 2.4
2008
-35.13% -5.5 -1.6 -0.8 4.8 1.7 -7.9 -1.6 -0.6 -9.2 -18.0 -6.6 5.5

* 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:

BNDX - Vanguard Total International Bond: simulated historical serie, up to December 2013

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