Betterment Robo Advisor 90 Portfolio: ETF allocation and returns

Last Update: 31 July 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 8.55% compound annual return, with a 13.00% 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: 31 July 2020

Swipe left to see all data

	1M	3M	6M	1Y	*3Y^()**	*5Y^()**	*10Y^()**
Betterment Robo Advisor 90 Portfolio	+4.44	+11.85	-2.95	+2.63	+4.71	+6.44	+8.55
*Components*
VTI - Vanguard Total Stock Market	+5.74	+14.00	+2.15	+10.85	+11.37	+10.87	+13.59
VEA - Vanguard FTSE Developed Markets	+2.63	+12.14	-5.96	+0.02	+0.67	+2.68	+5.24
EEM - iShares MSCI Emerging Markets	+8.25	+18.84	+3.40	+6.45	+1.99	+5.42	+2.55
VTV - Vanguard Value	+3.74	+5.64	-10.15	-4.86	+4.57	+6.99	+10.91
JKI - iShares Morningstar Mid-Cap Value	+3.16	+8.85	-18.08	-15.74	-1.94	+3.59	+9.41
IJS - iShares S&P Small-Cap 600 Value	+2.58	+8.95	-17.23	-16.33	-2.69	+3.13	+8.97
BND - Vanguard Total Bond Market	+1.45	+2.82	+5.88	+10.55	+5.76	+4.51	+3.77
BNDX - Vanguard Total International Bond	+0.95	+1.91	+1.50	+3.83	+5.25	+4.36	+4.88
EMB - iShares JP Morgan USD Em Mkts Bd	+3.86	+13.65	-0.37	+3.89	+4.29	+5.60	+5.34
TIP - iShares TIPS Bond	+2.33	+4.01	+6.24	+10.48	+5.59	+4.05	+3.65
BIL - SPDR Blmbg Barclays 1-3 Mth T-Bill	+0.01	-0.01	+0.30	+1.13	+1.52	+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 July 2020

Swipe left to see all data

Period	Returns Jul 2020	Standard Deviation *	Max Drawdown	Months Pos - Neg
1M	+4.44%		0.00%	1 - 0
3M	+11.85%		0.00%	3 - 0
6M	-2.95%		-20.65% Feb 2020 - Mar 2020	4 - 2
YTD	-5.14%		-22.45% Jan 2020 - Mar 2020	4 - 3
1Y	+2.63%	20.81%	-22.45% Jan 2020 - Mar 2020	8 - 4
3Y	+4.71% annualized	15.72%	-22.45% Jan 2020 - Mar 2020	24 - 12
5Y	+6.44% annualized	13.78%	-22.45% Jan 2020 - Mar 2020	41 - 19
10Y	+8.55% annualized	13.00%	-22.45% Jan 2020 - Mar 2020	78 - 42
MAX 01 Jan 2008	+5.44% annualized	15.82%	-47.09% Jan 2008 - Feb 2009	93 - 58

* Annualized St.Dev. of monthly returns

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

Portfolio	10Y Return ▾	Stocks	Bonds
Technology	+20.47%	100	0	Compare
US Stocks	+13.59%	100	0	Compare
Warren Buffett	+12.68%	90	10	Compare
Second Grader's Starter Paul Farrell	+10.04%	90	10	Compare
Edge Select Aggressive Merrill Lynch	+9.65%	84	16	Compare

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

Worst drawdowns since July 2010.

Swipe left to see all data

	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-22.45%	Jan 2020	Mar 2020	3	in progress	4	7
-19.37%	May 2011	Sep 2011	5	Dec 2012	15	20
-13.25%	Feb 2018	Dec 2018	11	Oct 2019	10	21
-12.02%	May 2015	Feb 2016	10	Jul 2016	5	15
-4.10%	Jan 2014	Jan 2014	1	Feb 2014	1	2
-3.68%	Aug 2010	Aug 2010	1	Sep 2010	1	2
-3.56%	Sep 2014	Sep 2014	1	Feb 2015	5	6
-2.57%	Aug 2013	Aug 2013	1	Sep 2013	1	2
-2.25%	May 2013	Jun 2013	2	Jul 2013	1	3
-1.88%	Oct 2016	Oct 2016	1	Nov 2016	1	2
-1.62%	Jul 2014	Jul 2014	1	Aug 2014	1	2
-1.49%	Nov 2010	Nov 2010	1	Dec 2010	1	2
-0.92%	Mar 2015	Mar 2015	1	Apr 2015	1	2

Worst drawdowns since December 2007.

Swipe left to see all data

	Drawdown period			Recovery period		Total
Drawdown	Start	Bottom	#Months	End	#Months	#Months
-47.09%	Jan 2008	Feb 2009	14	Feb 2011	24	38
-22.45%	Jan 2020	Mar 2020	3	in progress	4	7
-19.37%	May 2011	Sep 2011	5	Dec 2012	15	20
-13.25%	Feb 2018	Dec 2018	11	Oct 2019	10	21
-12.02%	May 2015	Feb 2016	10	Jul 2016	5	15
-4.10%	Jan 2014	Jan 2014	1	Feb 2014	1	2
-3.56%	Sep 2014	Sep 2014	1	Feb 2015	5	6
-2.57%	Aug 2013	Aug 2013	1	Sep 2013	1	2
-2.25%	May 2013	Jun 2013	2	Jul 2013	1	3
-1.88%	Oct 2016	Oct 2016	1	Nov 2016	1	2
-1.62%	Jul 2014	Jul 2014	1	Aug 2014	1	2
-0.92%	Mar 2015	Mar 2015	1	Apr 2015	1	2

Rolling Returns

Betterment Robo Advisor 90 Portfolio: annualized rolling and average returns

Swipe left to see all data

	*Return ()**			Negative Periods
Rolling Period	Average	Best	Worst	Negative Periods
1 Year	+8.08%	+58.59% Mar 2009 - Feb 2010	-43.12% Mar 2008 - Feb 2009	26.43%
2 Years	+8.84%	+38.52% Mar 2009 - Feb 2011	-8.31% Jun 2008 - May 2010	10.94%
3 Years	+9.05%	+24.56% Mar 2009 - Feb 2012	-0.79% Jan 2008 - Dec 2010	1.72%
5 Years	+8.93%	+20.28% Mar 2009 - Feb 2014	+1.62% Jan 2008 - Dec 2012	0.00%
7 Years	+8.97%	+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

Yearly Returns - Monthly Returns Heatmap

Swipe left to see all data

		Months
Year	Return	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2020	-5.14%	-2.3	-7.0	-14.7	9.4	4.2	2.8	4.4
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