As of June 2026, in the previous 30 Years, the Betterment Robo Advisor 100 Value Tilt Portfolio obtained a 8.82% compound annual return, with a 15.91% standard deviation. It suffered a maximum drawdown of -54.55% that required 63 months to be recovered.

As of June 2026, in the previous 30 Years, the JL Collins Simple Path to Wealth Portfolio obtained a 9.08% compound annual return, with a 11.94% standard deviation. It suffered a maximum drawdown of -38.53% that required 38 months to be recovered.

Book Cover: Mastering ETF Investing
LazyPortfolioETF.com Logo
Your practical guide to Building Wealth.
Master ETF Investing & maximize profits with Lazy Portfolios & Passive Strategies.
English Book Italian Book
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 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
JL Collins
JL Collins Simple Path to Wealth Portfolio
Weight
(%)		 Ticker Name
75.00
VTI
Vanguard Total Stock Market
25.00
BND
Vanguard Total Bond Market

Portfolio Returns as of Jun 30, 2026

Return Comparison
Capital Growth
Inflation Adj:
Swipe left to see all data
Swipe left to see all data
Swipe left to see all data
Return (%) as of Jun 30, 2026
YTD
(6M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~51Y)
http://www.lazyportfolioetf.com/wp-content/lzp-assets/img/author/avatar_betterment.webp Robo Advisor 100 Value Tilt
Betterment 		14.05 0.87 14.05 26.67 10.33 12.13 8.82 11.55
http://www.lazyportfolioetf.com/wp-content/lzp-assets/img/author/avatar_jl_collins.webp Simple Path to Wealth
JL Collins 		8.46 -0.23 8.46 18.17 9.31 11.73 9.08 10.84
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 100 Value Tilt Simple Path to Wealth
Author Betterment JL Collins
ASSET ALLOCATION
Stocks 100% 75%
Fixed Income 0% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 26.67 18.17
Infl. Adjusted (%) 21.94 13.76
DRAWDOWN
Deepest Drawdown Depth (%) -6.32 -4.18
Start to Recovery (months) 2 3
Longest Drawdown Depth (%) -6.32 -4.18
Start to Recovery (months) 2 3
Longest Negative Period (months) 2 6
RISK INDICATORS
Standard Deviation (%) 11.41 9.45
Sharpe Ratio 2.00 1.52
Sortino Ratio 2.60 2.27
Ulcer Index 1.75 1.16
Ratio: Return / Standard Deviation 2.34 1.92
Ratio: Return / Deepest Drawdown 4.22 4.34
Metrics calculated over the period 1 July 2025 - 30 June 2026
Swipe left to see all data
Robo Advisor 100 Value Tilt Simple Path to Wealth
Author Betterment JL Collins
ASSET ALLOCATION
Stocks 100% 75%
Fixed Income 0% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.33 9.31
Infl. Adjusted (%) 5.78 4.81
DRAWDOWN
Deepest Drawdown Depth (%) -24.17 -22.24
Start to Recovery (months) 26 25
Longest Drawdown Depth (%) -24.17 -22.24
Start to Recovery (months) 26 25
Longest Negative Period (months) 29 28
RISK INDICATORS
Standard Deviation (%) 14.60 13.04
Sharpe Ratio 0.47 0.45
Sortino Ratio 0.63 0.60
Ulcer Index 7.48 8.02
Ratio: Return / Standard Deviation 0.71 0.71
Ratio: Return / Deepest Drawdown 0.43 0.42
Metrics calculated over the period 1 July 2021 - 30 June 2026
Swipe left to see all data
Robo Advisor 100 Value Tilt Simple Path to Wealth
Author Betterment JL Collins
ASSET ALLOCATION
Stocks 100% 75%
Fixed Income 0% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 12.13 11.73
Infl. Adjusted (%) 8.49 8.11
DRAWDOWN
Deepest Drawdown Depth (%) -24.17 -22.24
Start to Recovery (months) 26 25
Longest Drawdown Depth (%) -24.17 -22.24
Start to Recovery (months) 26 25
Longest Negative Period (months) 36 31
RISK INDICATORS
Standard Deviation (%) 14.77 12.36
Sharpe Ratio 0.67 0.77
Sortino Ratio 0.88 1.02
Ulcer Index 6.68 6.13
Ratio: Return / Standard Deviation 0.82 0.95
Ratio: Return / Deepest Drawdown 0.50 0.53
Metrics calculated over the period 1 July 2016 - 30 June 2026
Swipe left to see all data
Robo Advisor 100 Value Tilt Simple Path to Wealth
Author Betterment JL Collins
ASSET ALLOCATION
Stocks 100% 75%
Fixed Income 0% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.82 9.08
Infl. Adjusted (%) 6.11 6.36
DRAWDOWN
Deepest Drawdown Depth (%) -54.55 -38.53
Start to Recovery (months) 63 38
Longest Drawdown Depth (%) -54.55 -30.50
Start to Recovery (months) 63 52
Longest Negative Period (months) 118 122
RISK INDICATORS
Standard Deviation (%) 15.91 11.94
Sharpe Ratio 0.41 0.57
Sortino Ratio 0.54 0.75
Ulcer Index 13.30 9.48
Ratio: Return / Standard Deviation 0.55 0.76
Ratio: Return / Deepest Drawdown 0.16 0.24
Metrics calculated over the period 1 July 1996 - 30 June 2026
Swipe left to see all data
Robo Advisor 100 Value Tilt Simple Path to Wealth
Author Betterment JL Collins
ASSET ALLOCATION
Stocks 100% 75%
Fixed Income 0% 25%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 11.55 10.84
Infl. Adjusted (%) 7.66 6.97
DRAWDOWN
Deepest Drawdown Depth (%) -54.55 -38.53
Start to Recovery (months) 63 38
Longest Drawdown Depth (%) -54.55 -30.50
Start to Recovery (months) 63 52
Longest Negative Period (months) 118 122
RISK INDICATORS
Standard Deviation (%) 15.43 11.89
Sharpe Ratio 0.48 0.56
Sortino Ratio 0.63 0.74
Ulcer Index 10.94 7.86
Ratio: Return / Standard Deviation 0.75 0.91
Ratio: Return / Deepest Drawdown 0.21 0.28
Metrics calculated over the period 1 January 1976 - 30 June 2026
Book Cover: Mastering ETF Investing
LazyPortfolioETF.com Logo
Your practical guide to Building Wealth.
Master ETF Investing & maximize profits with Lazy Portfolios & Passive Strategies.
English Book Italian Book

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.

Swipe left to see all data
Robo Advisor 100 Value Tilt Simple Path to Wealth
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2026
 14.05 -6.32 8.46 -4.18
2025
 22.35 -2.59 14.59 -5.64
2024
 13.15 -3.76 18.20 -3.90
2023
 17.91 -10.44 20.89 -8.12
2022
 -15.26 -24.17 -17.91 -22.24
2021
 18.02 -3.75 18.79 -3.72
2020
 12.47 -24.14 17.70 -15.46
2019
 25.35 -6.47 25.21 -4.59
2018
 -10.13 -14.58 -3.94 -10.58
2017
 23.37 0.00 16.80 0.00
2016
 11.17 -6.32 10.25 -3.99
2015
 -3.25 -11.66 0.41 -6.60
2014
 4.80 -4.57 10.86 -1.99
2013
 25.26 -2.77 24.56 -2.57
2012
 17.46 -9.49 13.13 -4.80
2011
 -5.87 -21.44 2.71 -12.27
2010
 15.28 -12.96 14.62 -9.46
2009
 33.82 -19.82 22.58 -13.96
2008
 -39.26 -42.29 -26.02 -28.15
2007
 8.88 -6.67 5.76 -3.89
2006
 21.56 -4.63 12.84 -2.48
2005
 12.96 -5.00 5.33 -3.14
2004
 18.09 -4.14 10.65 -2.89
2003
 38.64 -5.78 24.06 -2.85
2002
 -16.20 -24.90 -13.29 -18.79
2001
 -10.62 -23.72 -6.12 -16.19
2000
 -8.25 -13.29 -5.08 -11.10
1999
 29.44 -3.30 17.67 -4.79
1998
 11.29 -20.12 19.59 -13.02
1997
 15.46 -6.42 25.61 -3.67
1996
 15.79 -5.24 16.62 -4.42
1995
 21.40 -2.18 31.38 -0.57
1994
 -0.71 -8.30 -0.79 -6.83
1993
 31.23 -4.22 10.39 -1.89
1992
 2.17 -4.49 8.62 -1.93
1991
 38.61 -5.51 28.11 -3.49
1990
 -12.28 -20.93 -2.40 -11.23
1989
 33.54 -3.73 24.50 -1.72
1988
 24.10 -3.67 14.83 -2.69
1987
 2.12 -25.46 2.34 -23.27
1986
 28.15 -5.66 14.71 -6.46
1985
 38.11 -3.15 29.02 -3.12
1984
 6.89 -6.80 5.39 -7.49
1983
 23.93 -2.67 18.30 -2.99
1982
 8.68 -17.47 23.16 -6.05
1981
 -3.48 -12.17 -0.76 -10.31
1980
 24.52 -12.44 25.59 -10.43
1979
 19.37 -7.99 19.52 -6.87
1978
 16.43 -9.58 6.63 -9.36
1977
 5.87 -3.49 -2.26 -6.16
1976
 20.93 -3.25 23.29 -1.55
Book Cover: Mastering ETF Investing
LazyPortfolioETF.com Logo
Your practical guide to Building Wealth.
Master ETF Investing & maximize profits with Lazy Portfolios & Passive Strategies.
English Book Italian Book