Betterment Robo Advisor 10 vs Stocks/Bonds 20/80 Portfolio Comparison

Last Update: 29 February 2024

The Betterment Robo Advisor 10 Portfolio obtained a 4.10% compound annual return, with a 2.54% 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 10 Portfolio Stocks/Bonds 20/80 Portfolio
Portfolio Risk Low Low
Asset Allocation Stocks 9.9% 20%
Fixed Income 90.1% 80%
Commodities 0% 0%
30 Years Stats Return +4.10% +5.66%
Std Dev 2.54% 4.92%
Max Drawdown -8.91% -16.57%
All time Stats
(Since Jan 1985)
Return +5.55% +7.02%
Std Dev 2.90% 5.21%
Max Drawdown -8.91% -16.57%
Last Update: 29 February 2024

Historical Returns as of Feb 29, 2024

Comparison period starts from January 1985

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1M 6M 1Y 5Y 10Y 30Y MAX
Betterment Robo Advisor 10 Portfolio -0.02 +3.28 +5.62 +1.85 +1.80 +4.10 +5.55
Stocks/Bonds 20/80 Portfolio -0.02 +4.68 +8.40 +3.30 +3.58 +5.66 +7.02
Return over 1 year are annualized.

Capital Growth as of Feb 29, 2024

Betterment Robo Advisor 10 Portfolio: an investment of 1$, since March 1994, now would be worth 3.33$, with a total return of 233.46% (4.10% 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 10 Portfolio: an investment of 1$, since January 1985, now would be worth 8.29$, with a total return of 728.68% (5.55% annualized).

Stocks/Bonds 20/80 Portfolio: an investment of 1$, since January 1985, now would be worth 14.26$, with a total return of 1326.23% (7.02% annualized).

Drawdowns

Drawdown comparison chart since March 1994.

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Betterment Robo Advisor 10 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
-8.91% Sep 2021 Sep 2022 (13) In progress (30) 4.95
-8.42% May 2008 Oct 2008 (6) Jul 2009 (15) 4.07
-3.92% Feb 2020 Mar 2020 (2) Apr 2020 (3) 1.96
-3.69% Mar 1994 Jun 1994 (4) Feb 1995 (12) 2.23
-3.55% Apr 2008 Oct 2008 (7) May 2009 (14) 1.66
-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

Drawdown comparison chart since January 1985.

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Betterment Robo Advisor 10 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
-8.91% Sep 2021 Sep 2022 (13) In progress (30) 4.95
-8.42% May 2008 Oct 2008 (6) Jul 2009 (15) 4.07
-6.14% Sep 1987 Nov 1987 (3) Feb 1988 (6) 3.45
-5.50% Feb 1994 Jun 1994 (5) Feb 1995 (13) 3.71
-3.92% Feb 2020 Mar 2020 (2) Apr 2020 (3) 1.96
-3.55% Apr 2008 Oct 2008 (7) May 2009 (14) 1.66
-3.17% Feb 1994 Jun 1994 (5) Feb 1995 (13) 2.21
-3.14% Sep 1986 Sep 1986 (1) Nov 1986 (3) 1.66
-3.09% Aug 1990 Sep 1990 (2) Nov 1990 (4) 2.07
-2.99% Apr 1987 May 1987 (2) Jul 1987 (4) 1.88
-2.91% Jan 1990 Jan 1990 (1) May 1990 (5) 1.94
-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% Mar 1988 May 1988 (3) Jun 1988 (4) 1.28
-2.17% Feb 1999 Feb 1999 (1) Apr 1999 (3) 1.18
-2.15% Jul 1998 Aug 1998 (2) Sep 1998 (3) 1.09

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
+0.06%
-0.02%
+0.07%
-0.02%
2023
+5.92%
-1.47%
+9.54%
-5.62%
2022
-6.66%
-8.39%
-14.39%
-16.57%
2021
+0.88%
-0.88%
+3.64%
-1.82%
2020
+4.71%
-1.19%
+10.38%
-3.92%
2019
+6.61%
0.00%
+13.20%
-0.07%
2018
+0.02%
-0.91%
-1.13%
-2.67%
2017
+3.34%
-0.02%
+7.10%
-0.02%
2016
+2.45%
-1.03%
+4.58%
-2.40%
2015
+0.10%
-1.18%
+0.52%
-1.90%
2014
+1.76%
-0.61%
+7.16%
-0.89%
2013
+1.99%
-1.31%
+5.01%
-2.56%
2012
+3.35%
-0.85%
+5.82%
-0.62%
2011
+1.84%
-1.48%
+6.53%
-0.88%
2010
+4.56%
-0.60%
+8.44%
-0.76%
2009
+5.43%
-3.09%
+8.69%
-5.67%
2008
+1.51%
-3.55%
-1.91%
-8.42%
2007
+7.32%
0.00%
+6.61%
-0.76%
2006
+5.96%
-0.47%
+6.55%
-1.09%
2005
+3.37%
-0.59%
+3.18%
-1.84%
2004
+3.50%
-1.68%
+5.95%
-2.58%
2003
+7.36%
-0.53%
+9.33%
-2.13%
2002
+5.59%
-0.24%
+2.51%
-2.13%
2001
+6.78%
-0.09%
+4.55%
-1.99%
2000
+7.31%
-0.69%
+7.00%
-2.23%
1999
+5.47%
-1.00%
+4.16%
-2.17%
1998
+7.51%
-1.05%
+11.52%
-2.15%
1997
+7.18%
-0.73%
+13.75%
-1.70%
1996
+6.42%
-0.77%
+7.06%
-1.44%
1995
+14.22%
0.00%
+21.70%
0.00%
1994
-1.25%
-3.17%
-2.16%
-5.50%
1993
+10.54%
-0.63%
+9.87%
-1.10%
1992
+6.61%
-1.12%
+7.53%
-1.25%
1991
+15.83%
-0.59%
+18.68%
-1.05%
1990
+7.24%
-1.52%
+5.70%
-3.09%
1989
+14.16%
-0.50%
+16.54%
-0.87%
1988
+8.05%
-0.37%
+9.35%
-2.17%
1987
+3.74%
-1.32%
+1.75%
-6.14%
1986
+12.96%
-1.17%
+15.00%
-3.14%
1985
+17.68%
-0.60%
+24.05%
-1.20%