As of June 2026, in the previous 30 Years, the Betterment Robo Advisor 10 Value Tilt Portfolio obtained a 4.08% compound annual return, with a 2.51% standard deviation. It suffered a maximum drawdown of -8.91% that required 35 months to be recovered.

As of June 2026, in the previous 30 Years, the Vanguard LifeStrategy Income Fund Portfolio obtained a 5.43% compound annual return, with a 4.83% standard deviation. It suffered a maximum drawdown of -16.61% that required 37 months to be recovered.

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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.

Table of contents

Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

Betterment
Betterment Robo Advisor 10 Value Tilt Portfolio
Weight
(%)		 Ticker Name
3.20
VTI
Vanguard Total Stock Market
2.80
EFA
iShares MSCI EAFE
1.90
EEM
iShares MSCI Emerging Markets
0.90
VTV
Vanguard Value
0.60
IJS
iShares S&P Small-Cap 600 Value
0.50
VOE
Vanguard Mid-Cap Value
61.40
SHY
iShares 1-3 Year Treasury Bond
15.40
BSV
Vanguard Short-Term Bond
4.90
BNDX
Vanguard Total International Bond
3.80
BND
Vanguard Total Bond Market
2.90
EMB
iShares JP Morgan USD Em Mkts Bd
1.70
TIP
iShares TIPS Bond
Vanguard
Vanguard LifeStrategy Income Fund Portfolio
Weight
(%)		 Ticker Name
12.00
VTI
Vanguard Total Stock Market
8.00
VEU
Vanguard FTSE All-World ex-US
56.00
BND
Vanguard Total Bond Market
24.00
BNDX
Vanguard Total International Bond

Portfolio Returns as of Jun 30, 2026

Return Comparison
Capital Growth
Inflation Adj:
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Return (%) as of Jun 30, 2026
YTD
(6M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~42Y)
http://www.lazyportfolioetf.com/wp-content/lzp-assets/img/author/avatar_betterment.webp Robo Advisor 10 Value Tilt
Betterment 		2.08 0.17 2.08 5.43 2.49 2.80 4.08 5.57
http://www.lazyportfolioetf.com/wp-content/lzp-assets/img/author/avatar_vanguard.webp LifeStrategy Income Fund
Vanguard 		3.24 0.22 3.24 7.59 2.42 3.93 5.43 7.06
Returns over 1 year are annualized.

Portfolio Metrics as of Jun 30, 2026

The following metrics, updated as of 30 June 2026, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
1Y
5Y
10Y
30Y
MAX
Period: ()
Swipe left to see all data
Robo Advisor 10 Value Tilt LifeStrategy Income Fund
Author Betterment Vanguard
ASSET ALLOCATION
Stocks 9.9% 20%
Fixed Income 90.1% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.43 7.59
Infl. Adjusted (%) 1.49 3.57
DRAWDOWN
Deepest Drawdown Depth (%) -1.39 -2.77
Start to Recovery (months) 3 3
Longest Drawdown Depth (%) -1.39 -2.77
Start to Recovery (months) 3 3
Longest Negative Period (months) 2 4
RISK INDICATORS
Standard Deviation (%) 2.26 4.17
Sharpe Ratio 0.71 0.90
Sortino Ratio 0.84 1.06
Ulcer Index 0.39 0.80
Ratio: Return / Standard Deviation 2.40 1.82
Ratio: Return / Deepest Drawdown 3.91 2.74
Metrics calculated over the period 1 July 2025 - 30 June 2026
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Robo Advisor 10 Value Tilt LifeStrategy Income Fund
Author Betterment Vanguard
ASSET ALLOCATION
Stocks 9.9% 20%
Fixed Income 90.1% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 2.49 2.42
Infl. Adjusted (%) -1.73 -1.80
DRAWDOWN
Deepest Drawdown Depth (%) -8.91 -16.61
Start to Recovery (months) 35 37
Longest Drawdown Depth (%) -8.91 -16.61
Start to Recovery (months) 35 37
Longest Negative Period (months) 35 43
RISK INDICATORS
Standard Deviation (%) 3.53 7.18
Sharpe Ratio -0.28 -0.15
Sortino Ratio -0.37 -0.20
Ulcer Index 3.55 7.29
Ratio: Return / Standard Deviation 0.70 0.34
Ratio: Return / Deepest Drawdown 0.28 0.15
Metrics calculated over the period 1 July 2021 - 30 June 2026
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Robo Advisor 10 Value Tilt LifeStrategy Income Fund
Author Betterment Vanguard
ASSET ALLOCATION
Stocks 9.9% 20%
Fixed Income 90.1% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 2.80 3.93
Infl. Adjusted (%) -0.54 0.56
DRAWDOWN
Deepest Drawdown Depth (%) -8.91 -16.61
Start to Recovery (months) 35 37
Longest Drawdown Depth (%) -8.91 -16.61
Start to Recovery (months) 35 37
Longest Negative Period (months) 45 52
RISK INDICATORS
Standard Deviation (%) 2.77 5.85
Sharpe Ratio 0.21 0.29
Sortino Ratio 0.28 0.39
Ulcer Index 2.53 5.22
Ratio: Return / Standard Deviation 1.01 0.67
Ratio: Return / Deepest Drawdown 0.31 0.24
Metrics calculated over the period 1 July 2016 - 30 June 2026
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Robo Advisor 10 Value Tilt LifeStrategy Income Fund
Author Betterment Vanguard
ASSET ALLOCATION
Stocks 9.9% 20%
Fixed Income 90.1% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 4.08 5.43
Infl. Adjusted (%) 1.49 2.80
DRAWDOWN
Deepest Drawdown Depth (%) -8.91 -16.61
Start to Recovery (months) 35 37
Longest Drawdown Depth (%) -8.91 -16.61
Start to Recovery (months) 35 37
Longest Negative Period (months) 45 52
RISK INDICATORS
Standard Deviation (%) 2.51 4.83
Sharpe Ratio 0.74 0.66
Sortino Ratio 1.01 0.88
Ulcer Index 1.53 3.31
Ratio: Return / Standard Deviation 1.63 1.12
Ratio: Return / Deepest Drawdown 0.46 0.33
Metrics calculated over the period 1 July 1996 - 30 June 2026
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Robo Advisor 10 Value Tilt LifeStrategy Income Fund
Author Betterment Vanguard
ASSET ALLOCATION
Stocks 9.9% 20%
Fixed Income 90.1% 80%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.57 7.06
Infl. Adjusted (%) 2.68 4.13
DRAWDOWN
Deepest Drawdown Depth (%) -8.91 -16.61
Start to Recovery (months) 35 37
Longest Drawdown Depth (%) -8.91 -16.61
Start to Recovery (months) 35 37
Longest Negative Period (months) 45 52
RISK INDICATORS
Standard Deviation (%) 2.87 5.11
Sharpe Ratio 0.83 0.76
Sortino Ratio 1.18 1.04
Ulcer Index 1.37 2.95
Ratio: Return / Standard Deviation 1.94 1.38
Ratio: Return / Deepest Drawdown 0.62 0.42
Metrics calculated over the period 1 January 1985 - 30 June 2026
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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
Inflation Adj:

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

Time to Target

What it shows: Months to reach your target capital from each historical entry point, accounting for your initial investment and periodic contributions.

Time to Target Comparison
Time to reach your Target Capital

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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Robo Advisor 10 Value Tilt LifeStrategy Income Fund
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2026
 2.08 -1.39 3.24 -2.77
2025
 7.20 -0.03 9.29 -0.93
2024
 4.64 -1.05 4.93 -2.43
2023
 5.92 -1.47 9.53 -5.05
2022
 -6.66 -8.39 -14.00 -16.30
2021
 0.88 -0.88 2.15 -1.71
2020
 4.71 -1.19 8.85 -4.47
2019
 6.61 0.00 12.26 -0.05
2018
 0.02 -0.91 -1.15 -2.37
2017
 3.34 -0.02 7.31 0.00
2016
 2.45 -1.03 4.45 -2.58
2015
 0.10 -1.18 0.26 -2.43
2014
 1.76 -0.61 6.50 -0.99
2013
 1.99 -1.31 3.78 -3.36
2012
 3.35 -0.85 7.54 -1.14
2011
 1.84 -1.48 5.49 -1.55
2010
 4.56 -0.60 8.55 -1.00
2009
 5.43 -3.09 12.18 -5.19
2008
 1.51 -3.55 -4.64 -10.54
2007
 7.32 0.00 6.96 -0.49
2006
 5.96 -0.47 7.11 -0.79
2005
 3.37 -0.59 4.54 -1.40
2004
 3.50 -1.68 7.04 -2.22
2003
 7.36 -0.53 10.09 -1.74
2002
 5.59 -0.24 3.19 -1.88
2001
 6.78 -0.09 4.39 -1.61
2000
 7.31 -0.69 6.07 -1.88
1999
 5.47 -1.00 4.89 -1.98
1998
 7.51 -1.05 12.95 -1.57
1997
 7.18 -0.73 7.78 -1.74
1996
 6.42 -0.77 6.01 -0.91
1995
 14.22 0.00 19.89 0.00
1994
 -1.25 -3.17 -2.48 -5.45
1993
 10.54 -0.63 13.03 -1.55
1992
 6.61 -1.12 6.76 -2.36
1991
 15.83 -0.59 18.32 -1.28
1990
 7.24 -1.52 3.86 -4.35
1989
 14.16 -0.50 14.71 -1.34
1988
 8.05 -0.37 10.36 -1.32
1987
 3.74 -1.32 4.45 -4.47
1986
 12.96 -1.17 19.21 -2.56
1985
 17.68 -0.60 26.25 -1.52
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