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:
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 | +3.79 | +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 |
- 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.
| 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
|
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 | Returnâ–¾ | 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 | |
Our overall ratings, assigned to the Betterment Robo Advisor 90 Portfolio. The portfolio is classified as Very High Risk.
Less than 25%
25% - 49.99%
50% - 74.99%
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
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
Worst drawdowns since January 1997 - Chart and 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
| 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.
| 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 |
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?
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