Last Update: 31 October 2022

The Betterment Robo Advisor 100 Portfolio obtained a 8.52% compound annual return, with a 15.60% standard deviation, in the last 30 Years.

The Bill Bernstein Sheltered Sam 90/10 Portfolio obtained a 9.00% compound annual return, with a 13.50% standard deviation, in the last 30 Years.

Summary

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Betterment Robo Advisor 100 Portfolio Bill Bernstein Sheltered Sam 90/10 Portfolio
Risk Very High Very High
Asset Allocation Stocks 100% 87.3%
Fixed Income 0% 10%
Commodities 0% 2.7%
30 Years Stats Return +8.52% +9.00%
Std Dev 15.60% 13.50%
Max Drawdown -54.55% -50.12%

Last Update: 31 October 2022

Historical Returns as of Oct 31, 2022

Comparison period starts from January 1985

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1M 6M 1Y 5Y(*) 10Y(*) 30Y(*) MAX(*)
Betterment Robo Advisor 100 Portfolio +7.05 -8.21 -17.87 +4.69 +8.27 +8.52 +10.37
Bill Bernstein Sheltered Sam 90/10 Portfolio +7.71 -6.46 -12.33 +5.63 +8.46 +9.00 +10.38
(*) Returns over 1 year are annualized

Capital Growth as of Oct 31, 2022

Betterment Robo Advisor 100 Portfolio: an investment of 1000$, since November 1992, now would be worth 11625.02$, with a total return of 1062.50% (8.52% annualized).

Bill Bernstein Sheltered Sam 90/10 Portfolio: an investment of 1000$, since November 1992, now would be worth 13251.26$, with a total return of 1225.13% (9.00% annualized).

Betterment Robo Advisor 100 Portfolio: an investment of 1000$, since January 1985, now would be worth 41776.31$, with a total return of 4077.63% (10.37% annualized).

Bill Bernstein Sheltered Sam 90/10 Portfolio: an investment of 1000$, since January 1985, now would be worth 42004.32$, with a total return of 4100.43% (10.38% annualized).

Drawdowns

Drawdown comparison chart since October 1992.

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Betterment Robo Advisor 100 Portfolio
Bill Bernstein Sheltered Sam 90/10 Portfolio
Drawdown Start Bottom Drawdown Start Bottom
-54.55% Nov 2007 Feb 2009
-50.12% Nov 2007 Feb 2009
-37.03% Apr 2000 Sep 2002
-24.17% Jan 2022 Sep 2022
-24.14% Jan 2020 Mar 2020
-22.65% Jan 2020 Mar 2020
-21.79% Feb 2001 Sep 2002
-20.42% Jan 2022 Sep 2022
-20.12% May 1998 Aug 1998
-17.83% May 2011 Sep 2011
-17.68% May 1998 Aug 1998
-14.58% Feb 2018 Dec 2018
-13.71% Jun 2015 Feb 2016
-11.79% Sep 2018 Dec 2018
-9.22% Jun 2015 Jan 2016
-8.30% Feb 1994 Mar 1994
-7.26% Apr 2012 May 2012
-6.92% Feb 1994 Mar 1994
-6.55% Sep 2000 Nov 2000
-6.42% Aug 1997 Oct 1997

Drawdown comparison chart since January 1985.

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Betterment Robo Advisor 100 Portfolio
Bill Bernstein Sheltered Sam 90/10 Portfolio
Drawdown Start Bottom Drawdown Start Bottom
-54.55% Nov 2007 Feb 2009
-50.12% Nov 2007 Feb 2009
-37.03% Apr 2000 Sep 2002
-25.46% Sep 1987 Nov 1987
-24.17% Jan 2022 Sep 2022
-24.14% Jan 2020 Mar 2020
-23.28% Sep 1987 Nov 1987
-22.65% Jan 2020 Mar 2020
-21.79% Feb 2001 Sep 2002
-20.93% Jan 1990 Sep 1990
-20.42% Jan 2022 Sep 2022
-20.12% May 1998 Aug 1998
-17.83% May 2011 Sep 2011
-17.68% May 1998 Aug 1998
-15.69% Jan 1990 Sep 1990
-14.58% Feb 2018 Dec 2018
-13.71% Jun 2015 Feb 2016
-11.79% Sep 2018 Dec 2018
-9.22% Jun 2015 Jan 2016
-8.30% Feb 1994 Mar 1994

Yearly Returns

Yearly return comparison. Common historical serie start from January 1985.

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Year Betterment Robo Advisor 100 Portfolio Bill Bernstein Sheltered Sam 90/10 Portfolio
2022
-18.82% -14.29%
2021
+18.02% +21.12%
2020
+12.47% +7.74%
2019
+25.35% +23.13%
2018
-10.13% -7.66%
2017
+23.37% +16.40%
2016
+11.17% +13.70%
2015
-3.25% -2.36%
2014
+4.80% +8.20%
2013
+25.26% +22.71%
2012
+17.46% +15.32%
2011
-5.87% -1.13%
2010
+15.28% +16.61%
2009
+33.82% +25.94%
2008
-39.26% -32.87%
2007
+8.88% +3.28%
2006
+21.56% +20.79%
2005
+12.96% +10.17%
2004
+18.09% +17.49%
2003
+38.64% +33.96%
2002
-16.20% -10.94%
2001
-10.62% -3.78%
2000
-8.25% +3.21%
1999
+29.44% +15.58%
1998
+11.29% +8.73%
1997
+15.46% +19.08%
1996
+15.79% +17.88%
1995
+21.40% +24.96%
1994
-0.71% -1.28%
1993
+31.23% +24.08%
1992
+2.17% +9.51%
1991
+38.61% +30.09%
1990
-12.28% -9.73%
1989
+33.54% +25.02%
1988
+24.10% +19.40%
1987
+2.12% +3.64%
1986
+28.15% +24.84%
1985
+38.11% +33.45%
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