Last Update: 30 June 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 9.74% compound annual return, with a 13.07% 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(*) | |
|---|---|---|---|---|---|---|---|
| Betterment Robo Advisor 90 Portfolio | +0.42 | +5.69 | +12.56 | +38.80 | +12.61 | +13.09 | +9.74 |
| Components | |||||||
| VTI - Vanguard Total Stock Market | +2.48 | +8.13 | +15.21 | +44.42 | +18.73 | +17.90 | +14.70 |
| VEA - Vanguard FTSE Developed Markets | -0.93 | +5.74 | +10.51 | +36.44 | +9.27 | +10.90 | +6.36 |
| EEM - iShares MSCI Emerging Markets | +0.95 | +3.84 | +7.20 | +39.95 | +10.70 | +12.18 | +3.57 |
| VTV - Vanguard Value | -1.25 | +5.13 | +16.81 | +41.44 | +12.82 | +13.03 | +12.27 |
| VOE - Vanguard Mid-Cap Value | -2.01 | +4.69 | +19.18 | +50.03 | +11.04 | +12.08 | +11.91 |
| IJS - iShares S&P Small-Cap 600 Value | -0.71 | +4.90 | +30.41 | +77.03 | +10.60 | +14.24 | +12.71 |
| BND - Vanguard Total Bond Market | +0.90 | +1.93 | -1.78 | -0.59 | +5.41 | +2.98 | +3.29 |
| BNDX - Vanguard Total International Bond | +0.37 | +0.18 | -2.12 | -0.01 | +3.98 | +2.82 | +4.43 |
| EMB - iShares JP Morgan USD Em Mkts Bd | +0.86 | +4.28 | -1.42 | +7.01 | +6.64 | +4.25 | +5.01 |
| TIP - iShares TIPS Bond | +0.72 | +3.21 | +1.47 | +6.05 | +6.32 | +3.99 | +3.26 |
| BIL - SPDR Blmbg Barclays 1-3 Mth T-Bill | -0.02 | -0.03 | -0.05 | -0.06 | +1.12 | +0.97 | +0.45 |
- 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 Jun 2021 |
Standard Deviation * |
Max Drawdown |
Months Pos - Neg |
|---|---|---|---|---|
|
1M
|
+0.42%
|
0.00%
|
1 - 0 | |
|
3M
|
+5.69%
|
0.00%
|
3 - 0 | |
|
6M
|
+12.56%
|
0.00%
|
6 - 0 | |
|
YTD
|
+12.56%
|
0.00%
|
6 - 0 | |
|
1Y
|
+38.80%
|
11.81%
|
-3.52%
Sep 2020 - Oct 2020
|
10 - 2 |
|
3Y
|
+12.61%
annualized
|
16.95%
|
-22.15%
Jan 2020 - Mar 2020
|
25 - 11 |
|
5Y
|
+13.09%
annualized
|
13.70%
|
-22.15%
Jan 2020 - Mar 2020
|
45 - 15 |
|
10Y
|
+9.74%
annualized
|
13.07%
|
-22.15%
Jan 2020 - Mar 2020
|
80 - 40 |
|
MAX
01 Jan 2008
|
+7.33%
annualized
|
15.69%
|
-46.95%
Jan 2008 - Feb 2009
|
102 - 60 |
* Annualized St.Dev. of monthly returns
Best Very High Risk Porftolios, ordered by 10Y annualized return.
| Portfolio | 10Y Return ▾ | Stocks | Bonds | Comm. | ||
|---|---|---|---|---|---|---|
| Technology |
+21.25% | 100 | 0 | 0 | Compare | |
| US Stocks |
+14.70% | 100 | 0 | 0 | Compare | |
| Warren Buffett |
+13.58% | 90 | 10 | 0 | Compare | |
| Stocks/Bonds 80/20 |
+12.51% | 80 | 20 | 0 | Compare | |
| Second Grader's Starter Paul Farrell |
+10.95% | 90 | 10 | 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 |
+9.25% |
+58.27% Mar 2009 - Feb 2010 |
-42.94% Mar 2008 - Feb 2009 |
24.50% |
| 2 Years |
+9.14% |
+38.42% Mar 2009 - Feb 2011 |
-8.37% Jun 2008 - May 2010 |
10.07% |
| 3 Years |
+9.00% |
+24.56% Mar 2009 - Feb 2012 |
-0.75% Jan 2008 - Dec 2010 |
0.79% |
| 5 Years |
+9.16% |
+20.23% Mar 2009 - Feb 2014 |
+1.67% Jan 2008 - Dec 2012 |
0.00% |
| 7 Years |
+8.88% |
+13.43% Mar 2009 - Feb 2016 |
+4.74% Apr 2013 - Mar 2020 |
0.00% |
| 10 Years |
+8.92% |
+13.18% Mar 2009 - Feb 2019 |
+6.02% Apr 2010 - 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
| Months | ||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return (%) | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| Average | -0.4 | 0.3 | 1.1 | 3.1 | -0.2 | -0.1 | 2.3 | -0.6 | 0.0 | -0.1 | 1.5 | 1.6 |
| Best |
8.0 2019 |
5.0 2015 |
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 |
6.8 2010 |
| Worst |
-9.7 2009 |
-9.4 2009 |
-14.6 2020 |
-1.2 2012 |
-8.1 2010 |
-7.9 2008 |
-2.0 2011 |
-6.5 2011 |
-9.3 2008 |
-18.2 2008 |
-6.5 2008 |
-6.9 2018 |
| Gain Frequency |
50 | 64 | 71 | 93 | 57 | 50 | 69 | 54 | 54 | 54 | 69 | 69 |
Detail of Monthly Returns
| Months | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year | Return | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
| 2021 |
+12.56% | 0.4 | 3.1 | 3.0 | 3.3 | 1.9 | 0.4 | ||||||
| 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 |
* 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