Last Update: 31 May 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 8.19% compound annual return, with a 13.20% 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

Portfolio and ETF Returns

The Betterment Robo Advisor 90 Portfolio guaranteed the following returns.

BETTERMENT ROBO ADVISOR 90 PORTFOLIO RETURNS (%)
Last Update: 31 May 2020
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1M 3M 6M 1Y 3Y(*) 5Y(*) 10Y(*)
Betterment Robo Advisor 90 Portfolio +4.20 -2.79 -8.62 +1.42 +3.42 +4.50 +8.19
Components
VTI - Vanguard Total Stock Market +5.40 +2.65 -2.97 +11.28 +9.52 +9.14 +12.78
VEA - Vanguard FTSE Developed Markets +5.58 -4.13 -11.05 -2.35 -0.18 +1.15 +5.57
EEM - iShares MSCI Emerging Markets +2.97 -6.89 -9.43 -4.64 -0.61 +0.51 +2.00
VTV - Vanguard Value +2.88 -3.08 -12.43 +0.08 +4.80 +6.16 +10.74
JKI - iShares Morningstar Mid-Cap Value +3.61 -11.09 -22.74 -12.59 -2.72 +2.04 +8.83
IJS - iShares S&P Small-Cap 600 Value +2.55 -13.30 -24.94 -14.11 -3.46 +1.41 +8.08
BND - Vanguard Total Bond Market +0.67 +1.97 +5.64 +9.75 +5.18 +4.02 +3.79
BNDX - Vanguard Total International Bond +0.41 -0.65 +1.59 +5.21 +4.60 +4.03 +4.92
EMB - iShares JP Morgan USD Em Mkts Bd +6.27 -5.66 -2.91 +1.31 +2.14 +3.84 +5.30
TIP - iShares TIPS Bond +0.65 +1.88 +5.38 +8.06 +4.31 +3.27 +3.41
BIL - SPDR Blmbg Barclays 1-3 Mth T-Bill -0.02 +0.17 +0.52 +1.49 +1.57 +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: 31 May 2020
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Period Returns
May 2020
Standard
Deviation *
Max
Drawdown
Months
Pos - Neg
1M
+4.20%
0.00%
1 - 0
3M
-2.79%
-14.69%
Mar 2020 - Mar 2020
2 - 1
6M
-8.62%
-22.45%
Jan 2020 - Mar 2020
3 - 3
YTD
-11.63%
-22.45%
Jan 2020 - Mar 2020
2 - 3
1Y
+1.42%
21.08%
-22.45%
Jan 2020 - Mar 2020
7 - 5
3Y
+3.42%
annualized
15.53%
-22.45%
Jan 2020 - Mar 2020
24 - 12
5Y
+4.50%
annualized
13.69%
-22.45%
Jan 2020 - Mar 2020
40 - 20
10Y
+8.19%
annualized
13.20%
-22.45%
Jan 2020 - Mar 2020
77 - 43
MAX
01 Jan 2008
+4.91%
annualized
15.88%
-47.09%
Jan 2008 - Feb 2009
91 - 58

* Annualized St.Dev. of monthly returns

Best Very High Risk Porftolios, ordered by 10Y annualized return.

Portfolio 10Y Return ▾ #ETF Stocks Bonds Comm.
Technology
+18.99% 1 100 0 0 Compare
US Stocks
+12.78% 1 100 0 0 Compare
Warren Buffett
+12.02% 2 90 10 0 Compare
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+9.60% 3 90 10 0 Compare
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+9.18% 12 84 16 0 Compare

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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
+8.19% +58.59%
Mar 2009 - Feb 2010
-43.12%
Mar 2008 - Feb 2009
26.09%
2 Years
+8.96% +38.52%
Mar 2009 - Feb 2011
-8.31%
Jun 2008 - May 2010
11.11%
3 Years
+9.14% +24.56%
Mar 2009 - Feb 2012
-0.79%
Jan 2008 - Dec 2010
1.75%
5 Years
+9.00% +20.28%
Mar 2009 - Feb 2014
+1.62%
Jan 2008 - Dec 2012
0.00%
7 Years
+9.03% +13.47%
Mar 2009 - Feb 2016
+4.70%
Apr 2013 - Mar 2020
0.00%
10 Years
+8.90% +13.23%
Mar 2009 - Feb 2019
+5.98%
Apr 2010 - Mar 2020
0.00%

* Annualized rolling and average returns over full calendar month periods

Yearly Returns - Monthly Returns Heatmap

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Months
Year Return Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2020
-11.63% -2.3 -7.0 -14.7 9.4 4.2
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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