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:
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.
| 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 |
- 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 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
Best Very High Risk Porftolios, ordered by 10Y annualized return.
| Portfolio | 10Y Return ▾ | Stocks | Bonds | Comm. | ||
|---|---|---|---|---|---|---|
| Technology |
+20.14% | 100 | 0 | 0 | Compare | |
| US Stocks |
+13.48% | 100 | 0 | 0 | Compare | |
| Warren Buffett |
+12.62% | 90 | 10 | 0 | Compare | |
| Second Grader's Starter Paul Farrell |
+9.82% | 90 | 10 | 0 | Compare | |
| Edge Select Aggressive Merrill Lynch |
+9.41% | 84 | 16 | 0 | Compare |
Capital Growth
Drawdowns
Rolling Returns
Betterment Robo Advisor 90 Portfolio: annualized rolling and average returns
| 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
| 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
| 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