iShares Lifepath Fund Portfolio vs Betterment Robo Advisor 50 Value Tilt Portfolio Portfolio Comparison

Simulation Settings

Period: January 1985 - June 2025 (~41 years)
Consolidated Returns as of 30 June 2025

Initial Amount: 1$

Rebalancing: at every Jan 1^st

Currency: USD

Inflation: US

(Change Settings)

Results

30 Years
(1995/07 - 2025/06)

All Data
(1985/01 - 2025/06)

Inflation Adjusted:

iShares Lifepath Fund Portfolio

1.00$
Invested Capital
July 1995
6.73$
Final Capital
June 2025
6.56%
Yearly Return
7.04%
Std Deviation
-21.23%
Max Drawdown
26months
Recovery Period

1.00$
Invested Capital
July 1995
3.20$
Final Capital
June 2025
3.95%
Yearly Return
7.04%
Std Deviation
-24.67%
Max Drawdown
46months*
Recovery Period
* in progress

1.00$
Invested Capital
January 1985
23.49$
Final Capital
June 2025
8.11%
Yearly Return
7.23%
Std Deviation
-21.23%
Max Drawdown
26months
Recovery Period

1.00$
Invested Capital
January 1985
7.73$
Final Capital
June 2025
5.18%
Yearly Return
7.23%
Std Deviation
-24.67%
Max Drawdown
46months*
Recovery Period
* in progress

Betterment Robo Advisor 50 Value Tilt Portfolio

1.00$
Invested Capital
July 1995
8.71$
Final Capital
June 2025
7.48%
Yearly Return
9.28%
Std Deviation
-30.72%
Max Drawdown
30months
Recovery Period

1.00$
Invested Capital
July 1995
4.14$
Final Capital
June 2025
4.85%
Yearly Return
9.28%
Std Deviation
-31.87%
Max Drawdown
36months
Recovery Period

1.00$
Invested Capital
January 1985
35.62$
Final Capital
June 2025
9.22%
Yearly Return
9.43%
Std Deviation
-30.72%
Max Drawdown
30months
Recovery Period

1.00$
Invested Capital
January 1985
11.72$
Final Capital
June 2025
6.27%
Yearly Return
9.43%
Std Deviation
-31.87%
Max Drawdown
36months
Recovery Period

As of June 2025, in the previous 30 Years, the iShares Lifepath Fund Portfolio obtained a 6.56% compound annual return, with a 7.04% standard deviation. It suffered a maximum drawdown of -21.23% that required 26 months to be recovered.

As of June 2025, in the previous 30 Years, the Betterment Robo Advisor 50 Value Tilt Portfolio obtained a 7.48% compound annual return, with a 9.28% standard deviation. It suffered a maximum drawdown of -30.72% that required 30 months to be recovered.

Disclaimer: The simulations on this website are provided in good faith but should NOT be taken as investment advice. We are not liable for any errors or actions based on this information. The authors of the website are not affiliated with the portfolio creators, who are the sole owners of their intellectual property. The translation of asset allocations into ETFs is based on the interpretation of LazyPortfolioETF.com and may not exactly reflect the original intent of the portfolio creators. Content is for informational, educational, illustrative, and entertainment purposes only.

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Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

iShares Lifepath Fund Portfolio

Weight (%)	Ticker	Name
22.09	VV	Vanguard Large-Cap
13.67	VEU	Vanguard FTSE All-World ex-US
4.15	IJR	iShares Core S&P Small-Cap
0.51	VNQ	Vanguard Real Estate
50.82	BND	Vanguard Total Bond Market
8.76	TIP	iShares TIPS Bond

Betterment Robo Advisor 50 Value Tilt Portfolio

Weight (%)	Ticker	Name
16.20	VTI	Vanguard Total Stock Market
13.70	EFA	iShares MSCI EAFE
9.00	EEM	iShares MSCI Emerging Markets
4.40	VTV	Vanguard Value
3.60	VOE	Vanguard Mid-Cap Value
3.00	IJS	iShares S&P Small-Cap 600 Value
18.40	BNDX	Vanguard Total International Bond
14.70	BND	Vanguard Total Bond Market
10.70	EMB	iShares JP Morgan USD Em Mkts Bd
6.30	TIP	iShares TIPS Bond

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Portfolio Returns as of Jun 30, 2025

Returns are calculated in USD, assuming:

no fees or capital gain taxes.
rebalancing: at every Jan 1^st.
dividend reinvestment, when applicable.

Return Comparison

Capital Growth

30 Years
(1995/07 - 2025/06)

All Data
(1985/01 - 2025/06)

Inflation Adjusted:

Swipe left to see all data

	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Lifepath Fund iShares	1 $	6.73 $	572.80%	6.56%
Robo Advisor 50 Value Tilt Betterment	1 $	8.71 $	771.45%	7.48%
	Jul 1995	Jun 2025

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Lifepath Fund iShares	1 $	3.20 $	219.76%	3.95%
Robo Advisor 50 Value Tilt Betterment	1 $	4.14 $	314.17%	4.85%
	Jul 1995	Jun 2025

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Lifepath Fund iShares	1 $	23.49 $	2 249.12%	8.11%
Robo Advisor 50 Value Tilt Betterment	1 $	35.62 $	3 461.91%	9.22%
	Jan 1985	Jun 2025

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Lifepath Fund iShares	1 $	7.73 $	672.88%	5.18%
Robo Advisor 50 Value Tilt Betterment	1 $	11.72 $	1 071.89%	6.27%
	Jan 1985	Jun 2025

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		Return (%) as of Jun 30, 2025
		YTD (6M)	1M	6M	1Y	5Y	10Y	30Y	MAX (~41Y)
	Lifepath Fund iShares	6.22	2.71	6.22	10.02	5.29	5.50	6.56	8.11
	Robo Advisor 50 Value Tilt Betterment	7.22	2.81	7.22	11.22	6.34	5.72	7.48	9.22
Returns over 1 year are annualized.

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Portfolio Metrics as of Jun 30, 2025

The following metrics, updated as of 30 June 2025, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON

Period: 1 July 2024 - 30 June 2025 (1 year)

Period: 1 July 2020 - 30 June 2025 (5 years)

Period: 1 July 2015 - 30 June 2025 (10 years)

Period: 1 July 1995 - 30 June 2025 (30 years)

Period: 1 January 1985 - 30 June 2025 (~41 years)

1 Year

5 Years

10 Years

30 Years

All (1985/01 - 2025/06)

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	Lifepath Fund	Robo Advisor 50 Value Tilt
Author	iShares	Betterment
ASSET ALLOCATION
Stocks	40.42%	49.9%
Fixed Income	59.58%	50.1%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	10.02	11.22
Infl. Adjusted (%)	7.41	8.58
DRAWDOWN
Deepest Drawdown Depth (%)	-2.33	-2.63
Start to Recovery (months)	3	3
Longest Drawdown Depth (%)	-2.33	-2.63
Start to Recovery (months)	3	3
Longest Negative Period (months)	7	7
RISK INDICATORS
Standard Deviation (%)	6.09	6.46
Sharpe Ratio	0.88	1.02
Sortino Ratio	1.08	1.25
Ulcer Index	1.05	1.09
Ratio: Return / Standard Deviation	1.64	1.74
Ratio: Return / Deepest Drawdown	4.31	4.26
Metrics calculated over the period 1 July 2024 - 30 June 2025

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	Lifepath Fund	Robo Advisor 50 Value Tilt
Author	iShares	Betterment
ASSET ALLOCATION
Stocks	40.42%	49.9%
Fixed Income	59.58%	50.1%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	5.29	6.34
Infl. Adjusted (%)	0.73	1.74
DRAWDOWN
Deepest Drawdown Depth (%)	-18.92	-20.25
Start to Recovery (months)	31	31
Longest Drawdown Depth (%)	-18.92	-20.25
Start to Recovery (months)	31	31
Longest Negative Period (months)	39	36
RISK INDICATORS
Standard Deviation (%)	9.21	10.15
Sharpe Ratio	0.28	0.36
Sortino Ratio	0.38	0.49
Ulcer Index	7.37	7.34
Ratio: Return / Standard Deviation	0.57	0.62
Ratio: Return / Deepest Drawdown	0.28	0.31
Metrics calculated over the period 1 July 2020 - 30 June 2025

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	Lifepath Fund	Robo Advisor 50 Value Tilt
Author	iShares	Betterment
ASSET ALLOCATION
Stocks	40.42%	49.9%
Fixed Income	59.58%	50.1%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	5.50	5.72
Infl. Adjusted (%)	2.38	2.60
DRAWDOWN
Deepest Drawdown Depth (%)	-18.92	-20.25
Start to Recovery (months)	31	31
Longest Drawdown Depth (%)	-18.92	-20.25
Start to Recovery (months)	31	31
Longest Negative Period (months)	39	39
RISK INDICATORS
Standard Deviation (%)	7.89	9.30
Sharpe Ratio	0.47	0.42
Sortino Ratio	0.62	0.56
Ulcer Index	5.42	5.67
Ratio: Return / Standard Deviation	0.70	0.62
Ratio: Return / Deepest Drawdown	0.29	0.28
Metrics calculated over the period 1 July 2015 - 30 June 2025

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	Lifepath Fund	Robo Advisor 50 Value Tilt
Author	iShares	Betterment
ASSET ALLOCATION
Stocks	40.42%	49.9%
Fixed Income	59.58%	50.1%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	6.56	7.48
Infl. Adjusted (%)	3.95	4.85
DRAWDOWN
Deepest Drawdown Depth (%)	-21.23	-30.72
Start to Recovery (months)	26	30
Longest Drawdown Depth (%)	-18.92	-20.25
Start to Recovery (months)	31	31
Longest Negative Period (months)	50	51
RISK INDICATORS
Standard Deviation (%)	7.04	9.28
Sharpe Ratio	0.61	0.56
Sortino Ratio	0.80	0.73
Ulcer Index	4.32	5.69
Ratio: Return / Standard Deviation	0.93	0.81
Ratio: Return / Deepest Drawdown	0.31	0.24
Metrics calculated over the period 1 July 1995 - 30 June 2025

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	Lifepath Fund	Robo Advisor 50 Value Tilt
Author	iShares	Betterment
ASSET ALLOCATION
Stocks	40.42%	49.9%
Fixed Income	59.58%	50.1%
Commodities	0%	0%
PERFORMANCES
Annualized Return (%)	8.11	9.22
Infl. Adjusted (%)	5.18	6.27
DRAWDOWN
Deepest Drawdown Depth (%)	-21.23	-30.72
Start to Recovery (months)	26	30
Longest Drawdown Depth (%)	-18.92	-20.25
Start to Recovery (months)	31	31
Longest Negative Period (months)	50	51
RISK INDICATORS
Standard Deviation (%)	7.23	9.43
Sharpe Ratio	0.68	0.64
Sortino Ratio	0.91	0.84
Ulcer Index	3.92	5.23
Ratio: Return / Standard Deviation	1.12	0.98
Ratio: Return / Deepest Drawdown	0.38	0.30
Metrics calculated over the period 1 January 1985 - 30 June 2025

Drawdowns

A drawdown refers to the decline in value from a relative peak value to a relative trough. A maximum drawdown is the maximum observed loss from a peak to a trough of a portfolio before a new peak is attained.

DRAWDOWN COMPARISON

Period: 1 July 1995 - 30 June 2025 (30 years)

Period: 1 January 1985 - 30 June 2025 (~41 years)

30 Years
(1995/07 - 2025/06)

Chart Table

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Lifepath Fund			Robo Advisor 50 Value Tilt
Drawdown (%)	Recovery (#Months)	From To	Drawdown (%)	Recovery (#Months)	From To
			-30.72	30	Nov 2007 Apr 2010
-21.23	26	Nov 2007 Dec 2009
			-20.25	31	Jan 2022 Jul 2024
-18.92	31	Jan 2022 Jul 2024
			-13.31	8	Jan 2020 Aug 2020
			-12.79	8	May 1998 Dec 1998
			-10.86	13	May 2002 May 2003
			-9.49	10	May 2011 Feb 2012
			-8.54	14	Feb 2001 Mar 2002
-8.33	5	Feb 2020 Jun 2020
			-7.45	15	Feb 2018 Apr 2019
-7.15	28	Feb 2001 May 2003
			-7.06	15	May 2015 Jul 2016
-5.64	9	May 2011 Jan 2012
			-5.51	5	May 2010 Sep 2010

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Lifepath Fund			Robo Advisor 50 Value Tilt
Drawdown (%)	Recovery (#Months)	From To	Drawdown (%)	Recovery (#Months)	From To
			-30.72	30	Nov 2007 Apr 2010
-21.23	26	Nov 2007 Dec 2009
			-20.25	31	Jan 2022 Jul 2024
-18.92	31	Jan 2022 Jul 2024
			-14.26	14	Sep 1987 Oct 1988
			-13.31	8	Jan 2020 Aug 2020
			-12.79	8	May 1998 Dec 1998
			-11.61	7	Aug 1990 Feb 1991
-10.86	13	Sep 1987 Sep 1988
			-10.86	13	May 2002 May 2003
			-9.49	10	May 2011 Feb 2012
			-8.54	14	Feb 2001 Mar 2002
-8.33	5	Feb 2020 Jun 2020
			-7.55	7	Jan 1990 Jul 1990
			-7.45	15	Feb 2018 Apr 2019

Rolling Returns

By selecting the 'Rolling Period', the chart and data will update. To study a different date range, change the Simulation Settings.

You can explore the Rolling Returns for a single portfolio, or check the return differential, by switching on "Head To Head" toggle.

Rolling Returns Comparison

Annualized Rolling Returns Chart

Rolling Returns Chart - Inflation Adjusted

Time Period: 1 January 1985 - 30 June 2025 (~41 years)

Rolling Period:

Lifepath Fund
Robo Advisor 50 Value Tilt

Head To Head (Ptf 1 vs Ptf 2):

US Inflation Adjusted:

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Yearly Returns

For each year, the following table provides the return and intra-year drawdown. The highlighted returns represent the highest values for that specific year.

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	Lifepath Fund		Robo Advisor 50 Value Tilt
Year	Return (%)	Drawdown (%)	Return (%)	Drawdown (%)
2025	6.22	-1.39	7.22	-1.48
2024	7.57	-2.89	7.90	-2.71
2023	11.93	-6.77	12.46	-7.30
2022	-15.14	-18.92	-14.79	-20.25
2021	8.05	-2.34	7.95	-2.64
2020	11.47	-8.33	9.50	-13.31
2019	16.20	-1.68	17.41	-2.78
2018	-3.49	-5.27	-5.36	-7.45
2017	11.24	0.00	14.19	0.00
2016	6.11	-1.80	8.00	-2.25
2015	-0.37	-4.45	-1.55	-6.85
2014	6.00	-1.78	5.47	-2.43
2013	9.07	-2.99	10.19	-3.88
2012	9.09	-2.74	13.19	-4.36
2011	3.66	-5.64	1.17	-9.49
2010	10.07	-3.83	11.61	-5.51
2009	15.04	-9.43	23.06	-11.58
2008	-12.05	-16.28	-19.44	-24.47
2007	7.94	-1.18	8.19	-2.74
2006	10.06	-1.54	13.22	-2.76
2005	5.27	-1.53	9.54	-2.36
2004	9.19	-2.78	12.75	-3.66
2003	16.31	-1.16	24.96	-1.03
2002	-1.88	-6.04	-2.56	-10.86
2001	-0.13	-5.51	1.49	-8.54
2000	3.22	-3.16	1.53	-4.79
1999	8.91	-2.48	17.87	-2.47
1998	13.44	-5.36	8.83	-12.79
1997	14.26	-3.07	10.06	-3.98
1996	8.55	-1.74	13.19	-1.81
1995	21.33	0.00	20.93	-0.56
1994	-0.37	-4.89	-3.66	-7.31
1993	13.45	-2.48	24.85	-2.42
1992	4.84	-2.92	5.53	-2.73
1991	19.41	-2.35	30.42	-3.25
1990	0.16	-7.10	-2.59	-11.61
1989	17.85	-0.92	24.37	-1.05
1988	12.45	-1.92	16.22	-2.20
1987	5.68	-10.86	0.64	-14.26
1986	22.44	-3.57	21.70	-4.04
1985	28.90	-0.72	30.70	-1.22

Table of contents

Resources & Extras

Asset Allocations and ETFs

Portfolio Returns as of Jun 30, 2025

Portfolio Metrics as of Jun 30, 2025

Drawdowns

Rolling Returns

Yearly Returns