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

Simulation Settings
Period: January 1982 - June 2025 (~44 years)
Consolidated Returns as of 30 June 2025
Initial Amount: 1$
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
30 Years
(1995/07 - 2025/06)
All Data
(1982/01 - 2025/06)
Inflation Adjusted:
Betterment Robo Advisor 100 Value Tilt Portfolio
1.00$
Invested Capital
July 1995
12.02$
Final Capital
June 2025
8.64%
Yearly Return
15.81%
Std Deviation
-54.55%
Max Drawdown
63months
Recovery Period
1.00$
Invested Capital
July 1995
5.71$
Final Capital
June 2025
5.98%
Yearly Return
15.81%
Std Deviation
-55.30%
Max Drawdown
71months
Recovery Period
1.00$
Invested Capital
January 1982
92.28$
Final Capital
June 2025
10.96%
Yearly Return
15.61%
Std Deviation
-54.55%
Max Drawdown
63months
Recovery Period
1.00$
Invested Capital
January 1982
27.08$
Final Capital
June 2025
7.88%
Yearly Return
15.61%
Std Deviation
-55.30%
Max Drawdown
71months
Recovery Period
Alpha Architect Robust Portfolio
1.00$
Invested Capital
July 1995
14.07$
Final Capital
June 2025
9.21%
Yearly Return
11.16%
Std Deviation
-44.20%
Max Drawdown
42months
Recovery Period
1.00$
Invested Capital
July 1995
6.69$
Final Capital
June 2025
6.54%
Yearly Return
11.16%
Std Deviation
-45.12%
Max Drawdown
65months
Recovery Period
1.00$
Invested Capital
January 1982
93.94$
Final Capital
June 2025
11.01%
Yearly Return
10.84%
Std Deviation
-44.20%
Max Drawdown
42months
Recovery Period
1.00$
Invested Capital
January 1982
27.57$
Final Capital
June 2025
7.92%
Yearly Return
10.84%
Std Deviation
-45.12%
Max Drawdown
65months
Recovery Period

As of June 2025, in the previous 30 Years, the Betterment Robo Advisor 100 Value Tilt Portfolio obtained a 8.64% compound annual return, with a 15.81% standard deviation. It suffered a maximum drawdown of -54.55% that required 63 months to be recovered.

As of June 2025, in the previous 30 Years, the Alpha Architect Robust Portfolio obtained a 9.21% compound annual return, with a 11.16% standard deviation. It suffered a maximum drawdown of -44.20% that required 42 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.

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
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 Jun 30, 2025

Returns are calculated in USD, assuming:
  • no fees or capital gain taxes.
  • rebalancing: at every Jan 1st.
  • dividend reinvestment, when applicable.
Return Comparison
Capital Growth
30 Years
(1995/07 - 2025/06)
All Data
(1982/01 - 2025/06)
Inflation Adjusted:
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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 100 Value Tilt
Betterment
1 $ 12.02 $ 1 102.36% 8.64%
Alpha Architect Robust
Alpha Architect
1 $ 14.07 $ 1 307.16% 9.21%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 100 Value Tilt
Betterment
1 $ 5.71 $ 471.44% 5.98%
Alpha Architect Robust
Alpha Architect
1 $ 6.69 $ 568.77% 6.54%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 100 Value Tilt
Betterment
1 $ 92.28 $ 9 127.77% 10.96%
Alpha Architect Robust
Alpha Architect
1 $ 93.94 $ 9 294.16% 11.01%

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 100 Value Tilt
Betterment
1 $ 27.08 $ 2 607.93% 7.88%
Alpha Architect Robust
Alpha Architect
1 $ 27.57 $ 2 656.76% 7.92%

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Return (%) as of Jun 30, 2025
YTD
(6M)
1M 6M 1Y 5Y 10Y 30Y MAX
(~44Y)
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_betterment.webp Robo Advisor 100 Value Tilt
Betterment
10.17 4.24 10.17 15.29 12.97 9.18 8.64 10.96
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_alpha_architect.webp Robust
Alpha Architect
9.51 3.06 9.51 14.69 10.77 8.00 9.21 11.01
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 1982 - 30 June 2025 (~44 years)
1 Year
5 Years
10 Years
30 Years
All (1982/01 - 2025/06)
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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 (%) 15.29 14.69
Infl. Adjusted (%) 12.56 11.96
DRAWDOWN
Deepest Drawdown Depth (%) -3.76 -3.45
Start to Recovery (months) 6 3
Longest Drawdown Depth (%) -3.76 -3.45
Start to Recovery (months) 6 3
Longest Negative Period (months) 7 5
RISK INDICATORS
Standard Deviation (%) 9.66 8.55
Sharpe Ratio 1.10 1.17
Sortino Ratio 1.43 1.52
Ulcer Index 1.72 1.39
Ratio: Return / Standard Deviation 1.58 1.72
Ratio: Return / Deepest Drawdown 4.07 4.26
Metrics calculated over the period 1 July 2024 - 30 June 2025
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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 (%) 12.97 10.77
Infl. Adjusted (%) 8.08 5.97
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 (%) 15.13 12.04
Sharpe Ratio 0.68 0.67
Sortino Ratio 0.94 0.90
Ulcer Index 7.46 6.30
Ratio: Return / Standard Deviation 0.86 0.89
Ratio: Return / Deepest Drawdown 0.54 0.60
Metrics calculated over the period 1 July 2020 - 30 June 2025
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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 (%) 9.18 8.00
Infl. Adjusted (%) 5.96 4.81
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 (%) 15.04 11.53
Sharpe Ratio 0.49 0.54
Sortino Ratio 0.65 0.69
Ulcer Index 6.97 5.54
Ratio: Return / Standard Deviation 0.61 0.69
Ratio: Return / Deepest Drawdown 0.38 0.42
Metrics calculated over the period 1 July 2015 - 30 June 2025
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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 (%) 8.64 9.21
Infl. Adjusted (%) 5.98 6.54
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 (%) 15.81 11.16
Sharpe Ratio 0.40 0.62
Sortino Ratio 0.53 0.79
Ulcer Index 13.29 8.38
Ratio: Return / Standard Deviation 0.55 0.83
Ratio: Return / Deepest Drawdown 0.16 0.21
Metrics calculated over the period 1 July 1995 - 30 June 2025
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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 11.01
Infl. Adjusted (%) 7.88 7.92
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 (%) 15.61 10.84
Sharpe Ratio 0.47 0.68
Sortino Ratio 0.62 0.88
Ulcer Index 11.58 7.25
Ratio: Return / Standard Deviation 0.70 1.02
Ratio: Return / Deepest Drawdown 0.20 0.25
Metrics calculated over the period 1 January 1982 - 30 June 2025
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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 July 1995 - 30 June 2025 (30 years)
Period: 1 January 1982 - 30 June 2025 (~44 years)
30 Years
(1995/07 - 2025/06)

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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 - 30 June 2025 (~44 years)


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
(%)
2025
10.17 -2.59 9.51 -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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