Betterment Robo Advisor 100 Value Tilt Portfolio vs Alpha Architect Robust Portfolio Portfolio Comparison

Simulation Settings

Period: January 1982 - February 2026 (~44 years)
Consolidated Returns as of 28 February 2026

Initial Amount: 1$

Rebalancing: at every Jan 1^st

Currency: USD

Inflation: US

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Results

30 Years
(1996/03 - 2026/02)

All Data
(1982/01 - 2026/02)

Inflation Adjusted:

Betterment Robo Advisor 100 Value Tilt Portfolio

1.00$
Invested Capital
March 1996
12.50$
Final Capital
February 2026
8.78%
Yearly Return
15.80%
Std Deviation
-54.55%
Max Drawdown
63months
Recovery Period

1.00$
Invested Capital
March 1996
5.91$
Final Capital
February 2026
6.10%
Yearly Return
15.80%
Std Deviation
-55.30%
Max Drawdown
71months
Recovery Period

1.00$
Invested Capital
January 1982
109.85$
Final Capital
February 2026
11.23%
Yearly Return
15.51%
Std Deviation
-54.55%
Max Drawdown
63months
Recovery Period

1.00$
Invested Capital
January 1982
31.56$
Final Capital
February 2026
8.13%
Yearly Return
15.51%
Std Deviation
-55.30%
Max Drawdown
71months
Recovery Period

Alpha Architect Robust Portfolio

1.00$
Invested Capital
March 1996
13.74$
Final Capital
February 2026
9.13%
Yearly Return
11.15%
Std Deviation
-44.20%
Max Drawdown
42months
Recovery Period

1.00$
Invested Capital
March 1996
6.50$
Final Capital
February 2026
6.44%
Yearly Return
11.15%
Std Deviation
-45.12%
Max Drawdown
65months
Recovery Period

1.00$
Invested Capital
January 1982
105.32$
Final Capital
February 2026
11.12%
Yearly Return
10.77%
Std Deviation
-44.20%
Max Drawdown
42months
Recovery Period

1.00$
Invested Capital
January 1982
30.26$
Final Capital
February 2026
8.03%
Yearly Return
10.77%
Std Deviation
-45.12%
Max Drawdown
65months
Recovery Period

As of February 2026, in the previous 30 Years, the Betterment Robo Advisor 100 Value Tilt Portfolio obtained a 8.78% compound annual return, with a 15.80% standard deviation. It suffered a maximum drawdown of -54.55% that required 63 months to be recovered.

As of February 2026, in the previous 30 Years, the Alpha Architect Robust Portfolio obtained a 9.13% compound annual return, with a 11.15% standard deviation. It suffered a maximum drawdown of -44.20% that required 42 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.

Resources & Extras

Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

Betterment Robo Advisor 100 Value Tilt Portfolio

Weight (%)	Ticker	Name
34.60	VTI	Vanguard Total Stock Market
27.30	EFA	iShares MSCI EAFE
15.00	EEM	iShares MSCI Emerging Markets
9.20	VTV	Vanguard Value
7.50	VOE	Vanguard Mid-Cap Value
6.40	IJS	iShares S&P Small-Cap 600 Value

Alpha Architect Robust Portfolio

Weight (%)	Ticker	Name
30.00	MTUM	iShares Edge MSCI USA Momentum Fctr
10.00	VNQ	Vanguard Real Estate
7.50	DLS	WisdomTree International SmallCp Div
7.50	IJS	iShares S&P Small-Cap 600 Value
7.50	VTV	Vanguard Value
7.50	EFV	iShares MSCI EAFE Value
20.00	IEI	iShares 3-7 Year Treasury Bond
10.00	GSG	iShares S&P GSCI Commodity Indexed Trust

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Portfolio Returns as of Feb 28, 2026

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
(1996/03 - 2026/02)

All Data
(1982/01 - 2026/02)

Inflation Adjusted:

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Robo Advisor 100 Value Tilt Betterment	1 $	12.50 $	1 149.85%	8.78%
Robust Alpha Architect	1 $	13.74 $	1 274.10%	9.13%
	Mar 1996	Feb 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Robo Advisor 100 Value Tilt Betterment	1 $	5.91 $	491.45%	6.10%
Robust Alpha Architect	1 $	6.50 $	550.25%	6.44%
	Mar 1996	Feb 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Robo Advisor 100 Value Tilt Betterment	1 $	109.85 $	10 885.47%	11.23%
Robust Alpha Architect	1 $	105.32 $	10 432.09%	11.12%
	Jan 1982	Feb 2026

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	Initial Amount $	Final Amount $	Total Return (%)	Annualized (%)
Robo Advisor 100 Value Tilt Betterment	1 $	31.56 $	3 056.02%	8.13%
Robust Alpha Architect	1 $	30.26 $	2 925.76%	8.03%
	Jan 1982	Feb 2026

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		Return (%) as of Feb 28, 2026
		YTD (2M)	1M	6M	1Y	5Y	10Y	30Y	MAX (~44Y)
	Robo Advisor 100 Value Tilt Betterment	7.19	2.83	14.46	26.76	10.96	12.50	8.78	11.23
	Robust Alpha Architect	5.56	1.90	8.74	18.17	8.97	9.99	9.13	11.12
Returns over 1 year are annualized.

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Portfolio Metrics as of Feb 28, 2026

The following metrics, updated as of 28 February 2026, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON

Period: 1 March 2025 - 28 February 2026 (1 year)

Period: 1 March 2021 - 28 February 2026 (5 years)

Period: 1 March 2016 - 28 February 2026 (10 years)

Period: 1 March 1996 - 28 February 2026 (30 years)

Period: 1 January 1982 - 28 February 2026 (~44 years)

1 Year

5 Years

10 Years

30 Years

All (1982/01 - 2026/02)

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	Robo Advisor 100 Value Tilt	Robust
Author	Betterment	Alpha Architect
ASSET ALLOCATION
Stocks	100%	70%
Fixed Income	0%	20%
Commodities	0%	10%
PERFORMANCES
Annualized Return (%)	26.76	18.17
Infl. Adjusted (%)	23.79	15.39
DRAWDOWN
Deepest Drawdown Depth (%)	-2.59	-2.37
Start to Recovery (months)	3	3
Longest Drawdown Depth (%)	-2.59	-2.37
Start to Recovery (months)	3	3
Longest Negative Period (months)	2	2
RISK INDICATORS
Standard Deviation (%)	7.28	6.45
Sharpe Ratio	3.12	2.19
Sortino Ratio	4.12	3.03
Ulcer Index	1.01	0.91
Ratio: Return / Standard Deviation	3.68	2.82
Ratio: Return / Deepest Drawdown	10.31	7.67
Metrics calculated over the period 1 March 2025 - 28 February 2026

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	Robo Advisor 100 Value Tilt	Robust
Author	Betterment	Alpha Architect
ASSET ALLOCATION
Stocks	100%	70%
Fixed Income	0%	20%
Commodities	0%	10%
PERFORMANCES
Annualized Return (%)	10.96	8.97
Infl. Adjusted (%)	6.25	4.33
DRAWDOWN
Deepest Drawdown Depth (%)	-24.17	-17.99
Start to Recovery (months)	26	28
Longest Drawdown Depth (%)	-24.17	-17.99
Start to Recovery (months)	26	28
Longest Negative Period (months)	32	32
RISK INDICATORS
Standard Deviation (%)	13.88	11.03
Sharpe Ratio	0.56	0.52
Sortino Ratio	0.74	0.68
Ulcer Index	7.44	6.26
Ratio: Return / Standard Deviation	0.79	0.81
Ratio: Return / Deepest Drawdown	0.45	0.50
Metrics calculated over the period 1 March 2021 - 28 February 2026

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	Robo Advisor 100 Value Tilt	Robust
Author	Betterment	Alpha Architect
ASSET ALLOCATION
Stocks	100%	70%
Fixed Income	0%	20%
Commodities	0%	10%
PERFORMANCES
Annualized Return (%)	12.50	9.99
Infl. Adjusted (%)	8.93	6.51
DRAWDOWN
Deepest Drawdown Depth (%)	-24.17	-19.09
Start to Recovery (months)	26	8
Longest Drawdown Depth (%)	-24.17	-17.99
Start to Recovery (months)	26	28
Longest Negative Period (months)	36	32
RISK INDICATORS
Standard Deviation (%)	14.55	11.29
Sharpe Ratio	0.72	0.70
Sortino Ratio	0.94	0.89
Ulcer Index	6.65	5.41
Ratio: Return / Standard Deviation	0.86	0.88
Ratio: Return / Deepest Drawdown	0.52	0.52
Metrics calculated over the period 1 March 2016 - 28 February 2026

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	Robo Advisor 100 Value Tilt	Robust
Author	Betterment	Alpha Architect
ASSET ALLOCATION
Stocks	100%	70%
Fixed Income	0%	20%
Commodities	0%	10%
PERFORMANCES
Annualized Return (%)	8.78	9.13
Infl. Adjusted (%)	6.10	6.44
DRAWDOWN
Deepest Drawdown Depth (%)	-54.55	-44.20
Start to Recovery (months)	63	42
Longest Drawdown Depth (%)	-54.55	-44.20
Start to Recovery (months)	63	42
Longest Negative Period (months)	118	62
RISK INDICATORS
Standard Deviation (%)	15.80	11.15
Sharpe Ratio	0.41	0.62
Sortino Ratio	0.54	0.79
Ulcer Index	13.29	8.38
Ratio: Return / Standard Deviation	0.56	0.82
Ratio: Return / Deepest Drawdown	0.16	0.21
Metrics calculated over the period 1 March 1996 - 28 February 2026

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	Robo Advisor 100 Value Tilt	Robust
Author	Betterment	Alpha Architect
ASSET ALLOCATION
Stocks	100%	70%
Fixed Income	0%	20%
Commodities	0%	10%
PERFORMANCES
Annualized Return (%)	11.23	11.12
Infl. Adjusted (%)	8.13	8.03
DRAWDOWN
Deepest Drawdown Depth (%)	-54.55	-44.20
Start to Recovery (months)	63	42
Longest Drawdown Depth (%)	-54.55	-44.20
Start to Recovery (months)	63	42
Longest Negative Period (months)	118	62
RISK INDICATORS
Standard Deviation (%)	15.51	10.77
Sharpe Ratio	0.49	0.70
Sortino Ratio	0.65	0.90
Ulcer Index	11.49	7.20
Ratio: Return / Standard Deviation	0.72	1.03
Ratio: Return / Deepest Drawdown	0.21	0.25
Metrics calculated over the period 1 January 1982 - 28 February 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

Period: 1 March 1996 - 28 February 2026 (30 years)

Period: 1 January 1982 - 28 February 2026 (~44 years)

30 Years
(1996/03 - 2026/02)

Chart Table

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Robo Advisor 100 Value Tilt			Robust
Drawdown (%)	Recovery (#Months)	From To	Drawdown (%)	Recovery (#Months)	From To
-54.55	63	Nov 2007 Jan 2013
			-44.20	42	Nov 2007 Apr 2011
-37.03	55	Apr 2000 Oct 2004
-24.17	26	Jan 2022 Feb 2024
-24.14	11	Jan 2020 Nov 2020
-20.12	11	May 1998 Mar 1999
			-19.09	8	Jan 2020 Aug 2020
			-17.99	28	Nov 2021 Feb 2024
-14.58	21	Feb 2018 Oct 2019
			-13.76	10	May 2011 Feb 2012
-13.71	16	Jun 2015 Sep 2016
			-12.58	28	Feb 2001 May 2003
			-11.72	9	Oct 2018 Jun 2019
			-10.75	5	Jul 1998 Nov 1998
			-7.83	13	Jun 2015 Jun 2016

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Robo Advisor 100 Value Tilt			Robust
Drawdown (%)	Recovery (#Months)	From To	Drawdown (%)	Recovery (#Months)	From To
-54.55	63	Nov 2007 Jan 2013
			-44.20	42	Nov 2007 Apr 2011
-37.03	55	Apr 2000 Oct 2004
-25.46	17	Sep 1987 Jan 1989
-24.17	26	Jan 2022 Feb 2024
-24.14	11	Jan 2020 Nov 2020
-20.93	14	Jan 1990 Feb 1991
-20.12	11	May 1998 Mar 1999
			-19.09	8	Jan 2020 Aug 2020
			-18.97	17	Sep 1987 Jan 1989
			-17.99	28	Nov 2021 Feb 2024
-17.47	10	Jan 1982 Oct 1982
-14.58	21	Feb 2018 Oct 2019
			-13.76	10	May 2011 Feb 2012
-13.71	16	Jun 2015 Sep 2016

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 1982 - 28 February 2026 (~44 years)

Rolling Period:

Robo Advisor 100 Value Tilt
Robust

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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	Robo Advisor 100 Value Tilt		Robust
Year	Return (%)	Drawdown (%)	Return (%)	Drawdown (%)
2026	7.19	0.00	5.56	0.00
2025	22.35	-2.59	16.31	-2.37
2024	13.15	-3.76	13.94	-3.80
2023	17.91	-10.44	8.53	-6.88
2022	-15.26	-24.17	-10.29	-17.33
2021	18.02	-3.75	17.40	-3.99
2020	12.47	-24.14	7.53	-19.09
2019	25.35	-6.47	20.35	-3.33
2018	-10.13	-14.58	-6.10	-11.72
2017	23.37	0.00	18.49	0.00
2016	11.17	-6.32	8.13	-3.96
2015	-3.25	-11.66	-0.63	-6.68
2014	4.80	-4.57	5.13	-2.85
2013	25.26	-2.77	19.10	-2.13
2012	17.46	-9.49	12.28	-6.42
2011	-5.87	-21.44	2.08	-13.76
2010	15.28	-12.96	14.95	-9.68
2009	33.82	-19.82	17.10	-18.31
2008	-39.26	-42.29	-29.35	-32.35
2007	8.88	-6.67	9.03	-3.32
2006	21.56	-4.63	14.56	-2.50
2005	12.96	-5.00	13.33	-2.38
2004	18.09	-4.14	18.01	-4.18
2003	38.64	-5.78	28.95	-2.12
2002	-16.20	-24.90	0.96	-8.47
2001	-10.62	-23.72	-7.16	-12.58
2000	-8.25	-13.29	9.39	-3.34
1999	29.44	-3.30	18.95	-2.74
1998	11.29	-20.12	13.95	-10.75
1997	15.46	-6.42	16.27	-2.68
1996	15.79	-5.24	20.00	-2.93
1995	21.40	-2.18	26.04	-0.64
1994	-0.71	-8.30	-1.64	-6.68
1993	31.23	-4.22	14.31	-2.17
1992	2.17	-4.49	8.50	-1.40
1991	38.61	-5.51	23.44	-3.45
1990	-12.28	-20.93	-1.58	-6.78
1989	33.54	-3.73	26.71	-1.47
1988	24.10	-3.67	15.37	-2.21
1987	2.12	-25.46	7.28	-18.97
1986	28.15	-5.66	23.86	-4.64
1985	38.11	-3.15	30.79	-1.26
1984	6.89	-6.80	6.69	-5.23
1983	23.93	-2.67	19.86	-1.91
1982	8.68	-17.47	23.06	-3.32

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Table of contents

Resources & Extras

Asset Allocations and ETFs

Portfolio Returns as of Feb 28, 2026

Portfolio Metrics as of Feb 28, 2026

Drawdowns

Rolling Returns

Yearly Returns