Betterment Robo Advisor 0 vs Stocks/Bonds 20/80 Portfolio Comparison

Last Update: 29 February 2024

The Betterment Robo Advisor 0 Portfolio obtained a 3.13% compound annual return, with a 1.82% standard deviation, in the last 30 Years.

The Stocks/Bonds 20/80 Portfolio obtained a 5.66% compound annual return, with a 4.92% standard deviation, in the last 30 Years.

Summary

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Betterment Robo Advisor 0 Portfolio Stocks/Bonds 20/80 Portfolio
Portfolio Risk Low Low
Asset Allocation Stocks 0% 20%
Fixed Income 100% 80%
Commodities 0% 0%
30 Years Stats Return +3.13% +5.66%
Std Dev 1.82% 4.92%
Max Drawdown -5.86% -16.57%
All time Stats
(Since Jan 1871)
Return +4.44% +5.68%
Std Dev 3.53% 5.11%
Max Drawdown -8.48% -18.94%
Last Update: 29 February 2024

Historical Returns as of Feb 29, 2024

Comparison period starts from January 1871

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1M 6M 1Y 5Y 10Y 30Y MAX
Betterment Robo Advisor 0 Portfolio -0.44 +2.41 +4.20 +1.08 +0.95 +3.13 +4.44
Stocks/Bonds 20/80 Portfolio -0.02 +4.68 +8.40 +3.30 +3.58 +5.66 +5.68
Return over 1 year are annualized.

Capital Growth as of Feb 29, 2024

Betterment Robo Advisor 0 Portfolio: an investment of 1$, since March 1994, now would be worth 2.52$, with a total return of 152.07% (3.13% annualized).

Stocks/Bonds 20/80 Portfolio: an investment of 1$, since March 1994, now would be worth 5.21$, with a total return of 421.19% (5.66% annualized).

Betterment Robo Advisor 0 Portfolio: an investment of 1$, since January 1871, now would be worth 776.53$, with a total return of 77552.65% (4.44% annualized).

Stocks/Bonds 20/80 Portfolio: an investment of 1$, since January 1871, now would be worth 4719.99$, with a total return of 471898.99% (5.68% annualized).

Drawdowns

Drawdown comparison chart since March 1994.

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Betterment Robo Advisor 0 Portfolio
Stocks/Bonds 20/80 Portfolio
Drawdown Start Bottom
Date (#Months)
Recovery
Date (#Months)
Ulcer
Index
Drawdown Start Bottom
Date (#Months)
Recovery
Date (#Months)
Ulcer
Index
-16.57% Jan 2022 Sep 2022 (9) In progress (26) 10.75
-8.42% May 2008 Oct 2008 (6) Jul 2009 (15) 4.07
-5.86% Aug 2021 Oct 2022 (15) In progress (31) 3.41
-3.92% Feb 2020 Mar 2020 (2) Apr 2020 (3) 1.96
-3.69% Mar 1994 Jun 1994 (4) Feb 1995 (12) 2.23
-2.67% Sep 2018 Oct 2018 (2) Jan 2019 (5) 1.60
-2.58% Apr 2004 May 2004 (2) Sep 2004 (6) 1.65
-2.56% May 2013 Jun 2013 (2) Oct 2013 (6) 1.44
-2.40% Aug 2016 Nov 2016 (4) Apr 2017 (9) 1.09
-2.23% Apr 2000 May 2000 (2) Jun 2000 (3) 1.33
-2.17% Feb 1999 Feb 1999 (1) Apr 1999 (3) 1.18
-2.15% Jul 1998 Aug 1998 (2) Sep 1998 (3) 1.09
-2.13% Jul 2003 Jul 2003 (1) Sep 2003 (3) 1.21
-2.13% Jun 2002 Jul 2002 (2) Nov 2002 (6) 1.02
-2.05% Feb 2018 Apr 2018 (3) Aug 2018 (7) 1.16
-1.99% Feb 2001 Mar 2001 (2) Jul 2001 (6) 0.95
-1.90% Apr 2015 Aug 2015 (5) Mar 2016 (12) 1.00
-1.84% Sep 2005 Oct 2005 (2) Dec 2005 (4) 0.92
-1.82% Sep 2021 Sep 2021 (1) Dec 2021 (4) 0.85
-1.70% Mar 1997 Mar 1997 (1) Apr 1997 (2) 0.98

Drawdown comparison chart since January 1871.

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Betterment Robo Advisor 0 Portfolio
Stocks/Bonds 20/80 Portfolio
Drawdown Start Bottom
Date (#Months)
Recovery
Date (#Months)
Ulcer
Index
Drawdown Start Bottom
Date (#Months)
Recovery
Date (#Months)
Ulcer
Index
-18.94% Jun 1930 May 1932 (24) May 1933 (36) 9.19
-16.57% Jan 2022 Sep 2022 (9) In progress (26) 10.75
-10.14% Mar 1937 Mar 1938 (13) Oct 1938 (20) 4.99
-9.55% Jul 1895 Aug 1896 (14) Jan 1897 (19) 4.93
-8.48% Apr 1971 Jul 1971 (4) Apr 1972 (13) 3.82
-8.42% May 2008 Oct 2008 (6) Jul 2009 (15) 4.07
-8.25% Sep 1968 May 1970 (21) Nov 1970 (27) 4.01
-7.96% Nov 1973 Aug 1974 (10) Jan 1975 (15) 4.18
-7.75% Oct 1979 Mar 1980 (6) Apr 1980 (7) 4.21
-7.61% Jul 1895 Feb 1896 (8) Dec 1896 (18) 4.69
-7.49% Jul 1873 Nov 1873 (5) Feb 1874 (8) 3.85
-6.85% Apr 1971 Jul 1971 (4) Dec 1971 (9) 3.30
-6.76% Mar 1970 May 1970 (3) Nov 1970 (9) 3.50
-6.24% Apr 1940 May 1940 (2) Oct 1940 (7) 2.87
-6.20% Sep 1931 Jan 1932 (5) Jul 1932 (11) 2.88
-6.16% Nov 1919 May 1920 (7) Sep 1921 (23) 3.27
-6.14% Sep 1987 Nov 1987 (3) Feb 1988 (6) 3.45
-6.13% Dec 1892 Jul 1893 (8) Feb 1894 (15) 2.65
-5.99% Nov 1905 Dec 1907 (26) Apr 1908 (30) 2.40
-5.90% Aug 1941 Apr 1942 (9) Dec 1942 (17) 3.14

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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Year Return Drawdown Return Drawdown
2024
-0.13%
-0.44%
+0.07%
-0.02%
2023
+4.15%
-1.03%
+9.54%
-5.62%
2022
-4.20%
-5.09%
-14.39%
-16.57%
2021
-0.79%
-0.81%
+3.64%
-1.82%
2020
+3.37%
-0.09%
+10.38%
-3.92%
2019
+3.70%
-0.16%
+13.20%
-0.07%
2018
+1.44%
-0.46%
-1.13%
-2.67%
2017
+0.45%
-0.54%
+7.10%
-0.02%
2016
+0.92%
-0.77%
+4.58%
-2.40%
2015
+0.53%
-0.54%
+0.52%
-1.90%
2014
+0.63%
-0.29%
+7.16%
-0.89%
2013
+0.20%
-0.40%
+5.01%
-2.56%
2012
+0.55%
-0.21%
+5.82%
-0.62%
2011
+1.74%
-0.27%
+6.53%
-0.88%
2010
+2.60%
-0.49%
+8.44%
-0.76%
2009
+0.59%
-0.88%
+8.69%
-5.67%
2008
+6.99%
-1.21%
-1.91%
-8.42%
2007
+7.05%
-0.10%
+6.61%
-0.76%
2006
+4.11%
0.00%
+6.55%
-1.09%
2005
+1.66%
-0.35%
+3.18%
-1.84%
2004
+0.95%
-1.13%
+5.95%
-2.58%
2003
+2.62%
-0.63%
+9.33%
-2.13%
2002
+7.46%
-0.78%
+2.51%
-2.13%
2001
+7.87%
-1.01%
+4.55%
-1.99%
2000
+8.70%
-0.14%
+7.00%
-2.23%
1999
+2.14%
-0.84%
+4.16%
-2.17%
1998
+7.20%
-0.06%
+11.52%
-2.15%
1997
+6.60%
-0.20%
+13.75%
-1.70%
1996
+4.47%
-1.05%
+7.06%
-1.44%
1995
+12.23%
0.00%
+21.70%
0.00%
1994
-0.40%
-2.22%
-2.16%
-5.50%
1993
+6.46%
-0.42%
+9.87%
-1.10%
1992
+6.84%
-1.23%
+7.53%
-1.25%
1991
+11.81%
0.00%
+18.68%
-1.05%
1990
+9.78%
-0.10%
+5.70%
-3.09%
1989
+11.47%
-0.94%
+16.54%
-0.87%
1988
+5.93%
-0.32%
+9.35%
-2.17%
1987
+4.72%
-1.07%
+1.75%
-6.14%
1986
+10.57%
-0.34%
+15.00%
-3.14%
1985
+14.05%
-0.52%
+24.05%
-1.20%
1984
+14.05%
-0.98%
+12.45%
-5.25%
1983
+8.22%
-0.67%
+8.71%
-2.55%
1982
+22.41%
-1.29%
+29.01%
-2.01%
1981
+13.75%
-2.05%
+6.70%
-4.80%
1980
+8.59%
-5.20%
+8.94%
-7.35%
1979
+7.87%
-3.31%
+9.13%
-6.01%
1978
+3.26%
-0.86%
+2.61%
-3.91%
1977
+3.03%
-1.55%
+0.16%
-3.03%
1976
+8.68%
-1.91%
+16.30%
-1.12%
1975
+8.81%
-3.85%
+13.45%
-3.39%
1974
+6.86%
-2.80%
-1.00%
-7.35%
1973
+4.57%
-3.07%
-0.06%
-4.25%
1972
+3.83%
-1.75%
+5.70%
-0.85%
1971
+7.75%
-8.48%
+11.12%
-6.85%
1970
+13.86%
-6.76%
+14.75%
-7.32%
1969
+3.12%
-3.68%
-3.75%
-6.02%
1968
+4.61%
-4.17%
+5.00%
-3.25%
1967
+3.48%
-2.64%
+5.05%
-2.41%
1966
+5.16%
-3.11%
+2.23%
-5.06%
1965
+2.31%
-1.07%
+3.42%
-0.76%
1964
+3.89%
-0.04%
+6.40%
-0.13%
1963
+2.35%
-0.26%
+5.54%
-0.77%
1962
+4.28%
-0.84%
+2.64%
-4.17%
1961
+2.44%
-1.62%
+6.45%
-1.47%
1960
+8.87%
-0.84%
+10.61%
-1.16%
1959
+1.29%
-2.16%
+1.20%
-2.43%
1958
+1.45%
-4.65%
+6.71%
-1.94%
1957
+5.73%
-3.44%
+4.87%
-2.64%
1956
+1.25%
-1.72%
+0.46%
-2.85%
1955
+0.20%
-1.28%
+4.53%
-0.46%
1954
+2.54%
-1.08%
+12.38%
-1.01%
1953
+3.17%
-3.20%
+3.04%
-3.52%
1952
+1.89%
-1.78%
+4.52%
-1.67%
1951
+0.79%
-2.33%
+4.19%
-2.28%
1950
+0.61%
-0.57%
+5.97%
-1.39%
1949
+1.93%
-0.55%
+7.50%
-0.52%
1948
+1.49%
-1.03%
+2.55%
-2.14%
1947
+0.86%
-2.22%
+0.41%
-2.01%
1946
+1.06%
-1.42%
-0.68%
-5.01%
1945
+1.62%
-1.31%
+11.74%
-0.47%
1944
+1.25%
-0.01%
+6.06%
-0.20%
1943
+1.59%
-0.16%
+7.56%
-1.84%
1942
+0.66%
-0.54%
+4.38%
-2.52%
1941
+1.33%
-2.11%
-0.23%
-3.96%
1940
+1.49%
-2.58%
+2.01%
-6.24%
1939
+1.14%
-5.46%
+2.95%
-2.25%
1938
+2.10%
-0.68%
+9.18%
-5.26%
1937
+1.05%
-2.45%
-5.47%
-7.37%
1936
+1.62%
-0.53%
+10.35%
-1.34%
1935
+1.57%
-1.53%
+12.39%
-0.51%
1934
+2.99%
-2.75%
+6.29%
-2.22%
1933
+2.25%
-1.92%
+13.83%
-4.78%
1932
+7.90%
-2.44%
+8.09%
-5.48%
1931
+0.58%
-3.85%
-10.48%
-13.55%
1930
+7.14%
-0.18%
+0.53%
-4.69%
1929
+5.68%
-1.19%
+1.14%
-5.50%
1928
+1.48%
-1.06%
+6.99%
-1.64%
1927
+4.55%
-0.23%
+10.90%
-0.83%
1926
+4.13%
0.00%
+6.06%
-1.10%
1925
+2.62%
-0.39%
+7.69%
-1.29%
1924
+6.35%
-0.26%
+11.71%
-0.11%
1923
+4.16%
-0.04%
+4.04%
-1.81%
1922
+5.06%
-0.82%
+10.22%
-1.08%
1921
+11.15%
-0.11%
+12.53%
-1.28%
1920
+3.21%
-2.64%
-2.63%
-4.36%
1919
+3.91%
-0.46%
+5.70%
-1.88%
1918
+5.27%
-1.21%
+7.31%
-0.63%
1917
+1.18%
-2.90%
-5.08%
-5.08%
1916
+2.73%
-1.04%
+4.53%
-0.64%
1915
+5.06%
-0.83%
+11.23%
-0.64%
1914
+6.38%
-0.10%
+4.10%
-2.03%
1913
+5.50%
-1.77%
+2.14%
-1.72%
1912
+2.36%
-0.29%
+2.68%
-0.77%
1911
+4.07%
-0.98%
+3.97%
-1.88%
1910
+5.46%
-0.14%
+2.66%
-0.84%
1909
+1.83%
-1.28%
+4.37%
-0.57%
1908
+10.24%
-0.27%
+17.01%
-0.21%
1907
+3.42%
-2.59%
-5.10%
-5.87%
1906
+3.39%
-0.98%
+0.70%
-2.35%
1905
+1.74%
-2.66%
+4.77%
-1.63%
1904
+5.98%
-0.22%
+11.09%
-0.64%
1903
+4.76%
-0.98%
-1.70%
-4.31%
1902
+2.70%
-4.30%
+2.43%
-3.06%
1901
+3.21%
-0.94%
+5.34%
-2.36%
1900
+4.68%
-1.49%
+7.24%
-1.40%
1899
+0.54%
-2.20%
+0.41%
-2.47%
1898
+4.36%
-5.88%
+9.58%
-5.44%
1897
+5.17%
-1.20%
+8.74%
-0.88%
1896
+5.61%
-3.15%
+3.90%
-5.00%
1895
+0.36%
-6.35%
+1.03%
-5.16%
1894
+4.81%
-0.87%
+5.59%
-0.91%
1893
+7.84%
-1.42%
+0.02%
-6.08%
1892
+2.52%
-1.07%
+2.91%
-0.95%
1891
+7.13%
-3.00%
+8.10%
-2.84%
1890
+3.99%
-1.70%
-0.25%
-3.07%
1889
+2.76%
-0.62%
+3.40%
-0.84%
1888
+6.03%
-1.05%
+5.05%
-1.53%
1887
+4.63%
-1.46%
+1.03%
-2.94%
1886
+1.78%
-1.19%
+2.99%
-1.38%
1885
+5.13%
-0.62%
+10.27%
-0.77%
1884
+5.18%
-2.29%
+0.67%
-4.87%
1883
+6.15%
-0.73%
+2.34%
-1.36%
1882
+4.62%
-0.76%
+3.20%
-1.50%
1881
+3.91%
-2.22%
+2.83%
-3.42%
1880
+5.33%
-2.00%
+9.52%
-1.43%
1879
+3.25%
-1.50%
+12.21%
-0.58%
1878
+6.47%
-0.61%
+8.43%
-0.12%
1877
+3.83%
-1.64%
+2.70%
-2.64%
1876
+6.44%
-2.35%
+2.91%
-3.66%
1875
+4.78%
-3.58%
+6.26%
-2.56%
1874
+13.97%
-2.36%
+11.91%
-1.89%
1873
+8.44%
-4.46%
+2.89%
-7.49%
1872
+5.08%
-2.76%
+3.68%
-3.22%
1871
+3.54%
-1.78%
+5.34%
-1.82%