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 9.45% compound annual return, with a 12.17% standard deviation (Last Update: October 2019).

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 % VWO Vanguard FTSE 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

Returns, capital growth, stats are calculated assuming a rebalancing of the portfolio at the beginning of each year (i.e. at every January 1st).

Historical Returns

Betterment Robo Advisor 90 Portfolio - Historical returns and stats:

Swipe left to see all data
Range Returns
Oct 2019
Standard
Deviation *
Max
Drawdown
Months
Pos - Neg
1M
+2.26%
0.00%
1 - 0
YTD
+17.41%
-5.71%
May 2019 - May 2019
8 - 2
1Y
+11.47%
14.20%
-6.86%
Dec 2018 - Dec 2018
9 - 3
3Y
+10.11%
annualized
10.43%
-13.21%
Feb 2018 - Dec 2018
28 - 8
5Y
+6.84%
annualized
10.59%
-13.21%
Feb 2018 - Dec 2018
41 - 19
10Y
+9.45%
annualized
12.17%
-19.40%
May 2011 - Sep 2011
80 - 40
MAX
Dec 2007
+5.84%
annualized
15.14%
-47.16%
Jan 2008 - Feb 2009
89 - 53

* Annualized St.Dev. of monthly returns

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

Portfolio 10Y Return ▾ #ETF Stocks Bonds Comm.
US Stocks
+13.64% 1 100 0 0
Warren Buffett
+12.48% 2 90 10 0
Second Grader's Starter
Paul Farrell
+10.24% 3 90 10 0
Ultimate Buy and Hold Strategy
Paul Merriman
+10.18% 10 100 0 0
Core Four
Rick Ferri
+9.81% 4 80 20 0

See all portfolios

Capital Growth

Time Range:

Drawdowns

Time Range:

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
1 Year
+8.51% +59.03%
Mar 2009 - Feb 2010
-43.24%
Mar 2008 - Feb 2009
25.19%
2 Years
+9.52% +38.88%
Mar 2009 - Feb 2011
-8.14%
Jun 2008 - May 2010
8.40%
3 Years
+9.42% +24.75%
Mar 2009 - Feb 2012
-0.67%
Jan 2008 - Dec 2010
0.93%
5 Years
+9.38% +20.36%
Mar 2009 - Feb 2014
+1.70%
Jan 2008 - Dec 2012
0.00%
7 Years
+9.31% +13.62%
Mar 2009 - Feb 2016
+4.95%
Jan 2008 - Dec 2014
0.00%
10 Years
+9.21% +13.29%
Mar 2009 - Feb 2019
+6.27%
Jan 2008 - Dec 2017
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
2019
+17.41% 8.0 2.3 0.9 3.0 -5.7 6.1 0.0 -2.2 2.4 2.3
2018
-9.24% 4.6 -4.2 -0.8 0.2 0.6 -0.7 2.9 0.5 -0.2 -7.0 1.9 -6.9
2017
+20.77% 2.4 2.3 1.0 1.2 1.2 0.9 2.4 0.3 2.2 1.7 1.8 1.6
2016
+11.58% -5.0 -0.3 7.4 1.3 0.2 0.7 3.8 0.5 0.9 -1.7 2.1 1.7
2015
-2.78% -1.3 5.0 -1.0 2.2 0.1 -2.1 0.0 -6.1 -2.9 6.3 -0.1 -2.2
2014
+5.25% -4.1 4.5 1.1 0.6 1.9 2.1 -1.6 2.8 -3.5 1.9 1.1 -1.3
2013
+22.44% 3.9 0.1 2.4 2.5 -0.2 -2.1 4.6 -2.7 5.1 3.7 1.6 1.8
2012
+16.51% 5.6 4.0 1.2 -1.2 -7.6 4.6 0.7 2.2 2.8 -0.5 1.3 3.0
2011
-4.72% 1.1 2.9 0.5 3.5 -1.6 -1.5 -1.9 -6.6 -9.3 10.5 -0.9 -0.1
2010
+14.85% -3.8 2.4 6.2 1.0 -8.1 -3.6 7.8 -3.6 8.7 3.4 -1.5 6.9
2009
+32.59% -9.9 -8.9 8.3 12.1 8.7 -0.7 8.8 3.3 4.9 -2.7 5.1 2.4
2008
-35.64% -5.5 -1.5 -0.8 4.7 1.5 -8.0 -1.4 -0.9 -9.3 -18.2 -6.4 5.2

* 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

Share this page