Betterment Robo Advisor 20 vs All Country World 20/80 Portfolio Comparison

Last Update: 31 March 2024

The Betterment Robo Advisor 20 Portfolio obtained a 5.16% compound annual return, with a 4.13% standard deviation, in the last 30 Years.

The All Country World 20/80 Portfolio obtained a 5.85% compound annual return, with a 5.60% standard deviation, in the last 30 Years.

Summary

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Betterment Robo Advisor 20 Portfolio All Country World 20/80 Portfolio
Portfolio Risk Low Low
Asset Allocation Stocks 19.9% 20%
Fixed Income 80.1% 80%
Commodities 0% 0%
30 Years Stats Return +5.16% +5.85%
Std Dev 4.13% 5.60%
Max Drawdown -12.16% -17.97%
All time Stats
(Since Jan 1985)		 Return +6.64% +7.29%
Std Dev 4.47% 5.88%
Max Drawdown -12.16% -17.97%
Last Update: 31 March 2024

Historical Returns as of Mar 31, 2024

Comparison period starts from January 1985

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1M 6M 1Y 5Y 10Y 30Y MAX
Betterment Robo Advisor 20 Portfolio +1.20 +7.07 +6.31 +2.62 +2.74 +5.16 +6.64
All Country World 20/80 Portfolio +1.55 +9.57 +7.69 +2.51 +3.35 +5.85 +7.29
Return over 1 year are annualized.

Capital Growth as of Mar 31, 2024

Betterment Robo Advisor 20 Portfolio: an investment of 1$, since April 1994, now would be worth 4.52$, with a total return of 352.03% (5.16% annualized).

All Country World 20/80 Portfolio: an investment of 1$, since April 1994, now would be worth 5.51$, with a total return of 450.53% (5.85% annualized).

Betterment Robo Advisor 20 Portfolio: an investment of 1$, since January 1985, now would be worth 12.48$, with a total return of 1148.43% (6.64% annualized).

All Country World 20/80 Portfolio: an investment of 1$, since January 1985, now would be worth 15.82$, with a total return of 1481.57% (7.29% annualized).

Drawdowns

Drawdown comparison chart since April 1994.

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Betterment Robo Advisor 20 Portfolio
All Country World 20/80 Portfolio
Drawdown Start Bottom
Date (#Months)		 Recovery
Date (#Months)		 Ulcer
Index		 Drawdown Start Bottom
Date (#Months)		 Recovery
Date (#Months)		 Ulcer
Index
-17.97% Sep 2021 Sep 2022 (13) In progress (31) 10.54
-14.04% May 2008 Oct 2008 (6) Aug 2009 (16) 7.48
-12.16% Sep 2021 Sep 2022 (13) In progress (31) 6.41
-9.97% May 2008 Feb 2009 (10) Jul 2009 (15) 5.26
-6.55% Feb 2020 Mar 2020 (2) Jun 2020 (5) 2.96
-4.73% Aug 1998 Aug 1998 (1) Oct 1998 (3) 2.44
-4.38% Feb 2020 Mar 2020 (2) Jun 2020 (5) 2.02
-4.30% May 2013 Jun 2013 (2) Feb 2014 (10) 2.22
-4.07% May 1998 Aug 1998 (4) Oct 1998 (6) 1.64
-3.57% Jun 2002 Jul 2002 (2) Nov 2002 (6) 2.02
-3.26% Jun 2011 Sep 2011 (4) Jan 2012 (8) 1.26
-3.05% May 2015 Sep 2015 (5) Mar 2016 (11) 1.77
-2.99% Oct 2016 Nov 2016 (2) Apr 2017 (7) 1.52
-2.82% Apr 2004 May 2004 (2) Sep 2004 (6) 1.79
-2.77% Feb 2018 Oct 2018 (9) Jan 2019 (12) 1.50
-2.69% May 2015 Sep 2015 (5) Jun 2016 (14) 1.54
-2.61% Aug 2011 Sep 2011 (2) Oct 2011 (3) 1.33
-2.38% Jun 2002 Jul 2002 (2) Nov 2002 (6) 1.35
-2.31% May 1999 May 1999 (1) Oct 1999 (6) 1.55
-2.28% Apr 2004 Apr 2004 (1) Sep 2004 (6) 1.44

Drawdown comparison chart since January 1985.

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Betterment Robo Advisor 20 Portfolio
All Country World 20/80 Portfolio
Drawdown Start Bottom
Date (#Months)		 Recovery
Date (#Months)		 Ulcer
Index		 Drawdown Start Bottom
Date (#Months)		 Recovery
Date (#Months)		 Ulcer
Index
-17.97% Sep 2021 Sep 2022 (13) In progress (31) 10.54
-14.04% May 2008 Oct 2008 (6) Aug 2009 (16) 7.48
-12.16% Sep 2021 Sep 2022 (13) In progress (31) 6.41
-9.97% May 2008 Feb 2009 (10) Jul 2009 (15) 5.26
-6.55% Feb 2020 Mar 2020 (2) Jun 2020 (5) 2.96
-6.27% Feb 1994 Jun 1994 (5) May 1995 (16) 4.39
-6.26% Sep 1987 Nov 1987 (3) Feb 1988 (6) 3.48
-5.58% Jan 1990 Apr 1990 (4) Jul 1990 (7) 2.94
-5.31% Aug 1990 Sep 1990 (2) Dec 1990 (5) 2.85
-4.85% Sep 1987 Nov 1987 (3) Feb 1988 (6) 2.85
-4.73% Aug 1998 Aug 1998 (1) Oct 1998 (3) 2.44
-4.47% Feb 1994 Jun 1994 (5) Apr 1995 (15) 3.06
-4.38% Feb 2020 Mar 2020 (2) Jun 2020 (5) 2.02
-4.30% May 2013 Jun 2013 (2) Feb 2014 (10) 2.22
-4.18% Aug 1990 Sep 1990 (2) Dec 1990 (5) 2.25
-4.07% May 1998 Aug 1998 (4) Oct 1998 (6) 1.64
-3.57% Jun 2002 Jul 2002 (2) Nov 2002 (6) 2.02
-3.26% Jun 2011 Sep 2011 (4) Jan 2012 (8) 1.26
-3.05% May 2015 Sep 2015 (5) Mar 2016 (11) 1.77
-2.99% Oct 2016 Nov 2016 (2) Apr 2017 (7) 1.52

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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Year Return Drawdown Return Drawdown
2024
+1.45%
 -0.16%
+1.47%
 -0.38%
2023
+7.68%
 -3.03%
+10.25%
 -5.13%
2022
-9.10%
 -11.83%
-14.66%
 -17.51%
2021
+2.61%
 -1.26%
+2.00%
 -1.92%
2020
+6.01%
 -4.38%
+8.36%
 -6.55%
2019
+9.57%
 -0.68%
+12.96%
 -0.19%
2018
-1.42%
 -2.14%
-1.87%
 -2.77%
2017
+6.24%
 0.00%
+8.23%
 -0.08%
2016
+4.01%
 -1.37%
+5.12%
 -2.99%
2015
-0.31%
 -2.69%
+0.31%
 -3.05%
2014
+2.92%
 -1.13%
+6.24%
 -1.20%
2013
+3.86%
 -2.19%
+2.59%
 -4.30%
2012
+6.18%
 -1.76%
+9.39%
 -1.73%
2011
+1.94%
 -3.26%
+4.99%
 -2.61%
2010
+6.55%
 -1.59%
+8.78%
 -1.65%
2009
+10.31%
 -5.34%
+14.11%
 -6.27%
2008
-4.00%
 -8.67%
-6.88%
 -14.04%
2007
+7.51%
 -0.09%
+6.77%
 -0.67%
2006
+7.81%
 -1.09%
+7.46%
 -1.15%
2005
+5.11%
 -1.09%
+5.53%
 -1.32%
2004
+6.10%
 -2.28%
+7.53%
 -2.82%
2003
+12.15%
 -0.49%
+12.92%
 -1.93%
2002
+3.70%
 -2.38%
+3.34%
 -3.57%
2001
+5.73%
 -1.48%
+6.33%
 -1.65%
2000
+6.02%
 -1.47%
+5.87%
 -1.99%
1999
+8.74%
 -1.36%
+7.97%
 -2.31%
1998
+7.78%
 -4.07%
+10.80%
 -4.73%
1997
+7.86%
 -1.41%
+7.03%
 -1.93%
1996
+8.41%
 -0.87%
+9.34%
 -1.45%
1995
+16.25%
 0.00%
+19.70%
 0.00%
1994
-2.09%
 -4.47%
-3.54%
 -6.27%
1993
+14.56%
 -1.13%
+15.69%
 -1.44%
1992
+6.45%
 -1.46%
+6.02%
 -2.92%
1991
+19.85%
 -1.32%
+18.43%
 -1.65%
1990
+4.63%
 -4.18%
+2.13%
 -5.58%
1989
+16.78%
 -0.08%
+13.30%
 -1.73%
1988
+10.19%
 -0.87%
+10.56%
 -1.30%
1987
+2.79%
 -4.85%
+4.29%
 -6.26%
1986
+15.37%
 -2.01%
+20.59%
 -2.84%
1985
+21.34%
 -0.68%
+26.72%
 -1.78%