Betterment Robo Advisor 80 Value Tilt Portfolio vs Paul Farrell Second Grader's Starter Portfolio Portfolio Comparison

Simulation Settings
Period: January 1985 - February 2026 (~41 years)
Consolidated Returns as of 28 February 2026
Initial Amount: 1$
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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The minimum date range must be at least 12 months. 'Date To' cannot be beyond February 2026.
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Results
30 Years
(1996/03 - 2026/02)
All Data
(1985/01 - 2026/02)
Inflation Adjusted:
Betterment Betterment Robo Advisor 80 Value Tilt Portfolio
1.00$
Invested Capital
March 1996
11.26$
Final Capital
February 2026
8.41%
Yearly Return
13.06%
Std Deviation
-45.47%
Max Drawdown
41months
Recovery Period
1.00$
Invested Capital
March 1996
5.33$
Final Capital
February 2026
5.74%
Yearly Return
13.06%
Std Deviation
-46.37%
Max Drawdown
63months
Recovery Period
1.00$
Invested Capital
January 1985
61.55$
Final Capital
February 2026
10.53%
Yearly Return
12.98%
Std Deviation
-45.47%
Max Drawdown
41months
Recovery Period
1.00$
Invested Capital
January 1985
19.83$
Final Capital
February 2026
7.53%
Yearly Return
12.98%
Std Deviation
-46.37%
Max Drawdown
63months
Recovery Period
Paul Farrell Paul Farrell Second Grader's Starter Portfolio
1.00$
Invested Capital
March 1996
11.97$
Final Capital
February 2026
8.63%
Yearly Return
13.91%
Std Deviation
-48.52%
Max Drawdown
59months
Recovery Period
1.00$
Invested Capital
March 1996
5.66$
Final Capital
February 2026
5.95%
Yearly Return
13.91%
Std Deviation
-49.37%
Max Drawdown
66months
Recovery Period
1.00$
Invested Capital
January 1985
58.47$
Final Capital
February 2026
10.39%
Yearly Return
13.53%
Std Deviation
-48.52%
Max Drawdown
59months
Recovery Period
1.00$
Invested Capital
January 1985
18.83$
Final Capital
February 2026
7.39%
Yearly Return
13.53%
Std Deviation
-49.37%
Max Drawdown
66months
Recovery Period

As of February 2026, in the previous 30 Years, the Betterment Robo Advisor 80 Value Tilt Portfolio obtained a 8.41% compound annual return, with a 13.06% standard deviation. It suffered a maximum drawdown of -45.47% that required 41 months to be recovered.

As of February 2026, in the previous 30 Years, the Paul Farrell Second Grader's Starter Portfolio obtained a 8.63% compound annual return, with a 13.91% standard deviation. It suffered a maximum drawdown of -48.52% that required 59 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.

Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

Betterment
Betterment Robo Advisor 80 Value Tilt Portfolio
Weight
(%)		 Ticker Name
27.00
VTI
Vanguard Total Stock Market
22.10
VEA
Vanguard FTSE Developed Markets
12.80
EEM
iShares MSCI Emerging Markets
7.20
VTV
Vanguard Value
5.90
VOE
Vanguard Mid-Cap Value
5.00
IJS
iShares S&P Small-Cap 600 Value
7.20
BNDX
Vanguard Total International Bond
6.80
BND
Vanguard Total Bond Market
3.60
EMB
iShares JP Morgan USD Em Mkts Bd
2.40
TIP
iShares TIPS Bond
Paul Farrell
Paul Farrell Second Grader's Starter Portfolio
Weight
(%)		 Ticker Name
60.00
VTI
Vanguard Total Stock Market
30.00
VEU
Vanguard FTSE All-World ex-US
10.00
BND
Vanguard Total Bond Market
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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 1st.
  • dividend reinvestment, when applicable.
Return Comparison
Capital Growth
30 Years
(1996/03 - 2026/02)
All Data
(1985/01 - 2026/02)
Inflation Adjusted:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 80 Value Tilt
Betterment 		1 $ 11.26 $ 1 026.21% 8.41%
Paul Farrell Second Grader's Starter
Paul Farrell 		1 $ 11.97 $ 1 097.02% 8.63%
Mar 1996 Feb 2026

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 80 Value Tilt
Betterment 		1 $ 5.33 $ 432.94% 5.74%
Paul Farrell Second Grader's Starter
Paul Farrell 		1 $ 5.66 $ 466.45% 5.95%
Mar 1996 Feb 2026

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 80 Value Tilt
Betterment 		1 $ 61.55 $ 6 055.46% 10.53%
Paul Farrell Second Grader's Starter
Paul Farrell 		1 $ 58.47 $ 5 747.22% 10.39%
Jan 1985 Feb 2026

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 80 Value Tilt
Betterment 		1 $ 19.83 $ 1 882.64% 7.53%
Paul Farrell Second Grader's Starter
Paul Farrell 		1 $ 18.83 $ 1 783.36% 7.39%
Jan 1985 Feb 2026

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Return (%) as of Feb 28, 2026
YTD
(2M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~41Y)
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_betterment.webp Robo Advisor 80 Value Tilt
Betterment 		6.83 2.97 13.64 24.64 9.12 10.65 8.41 10.53
http://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_paul_farrell.webp Second Grader's Starter
Paul Farrell 		4.18 1.47 10.84 22.53 10.84 12.58 8.63 10.39
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 1985 - 28 February 2026 (~41 years)
1 Year
5 Years
10 Years
30 Years
All (1985/01 - 2026/02)
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Robo Advisor 80 Value Tilt Second Grader's Starter
Author Betterment Paul Farrell
ASSET ALLOCATION
Stocks 80% 90%
Fixed Income 20% 10%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 24.64 22.53
Infl. Adjusted (%) 21.71 19.66
DRAWDOWN
Deepest Drawdown Depth (%) -2.15 -3.34
Start to Recovery (months) 3 3
Longest Drawdown Depth (%) -2.15 -3.34
Start to Recovery (months) 3 3
Longest Negative Period (months) 2 2
RISK INDICATORS
Standard Deviation (%) 6.23 7.24
Sharpe Ratio 3.31 2.55
Sortino Ratio 4.29 3.35
Ulcer Index 0.80 1.22
Ratio: Return / Standard Deviation 3.95 3.11
Ratio: Return / Deepest Drawdown 11.47 6.76
Metrics calculated over the period 1 March 2025 - 28 February 2026
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Robo Advisor 80 Value Tilt Second Grader's Starter
Author Betterment Paul Farrell
ASSET ALLOCATION
Stocks 80% 90%
Fixed Income 20% 10%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.12 10.84
Infl. Adjusted (%) 4.48 6.13
DRAWDOWN
Deepest Drawdown Depth (%) -22.63 -24.21
Start to Recovery (months) 27 26
Longest Drawdown Depth (%) -22.63 -24.21
Start to Recovery (months) 27 26
Longest Negative Period (months) 32 31
RISK INDICATORS
Standard Deviation (%) 12.25 13.13
Sharpe Ratio 0.48 0.58
Sortino Ratio 0.64 0.76
Ulcer Index 7.45 8.09
Ratio: Return / Standard Deviation 0.74 0.83
Ratio: Return / Deepest Drawdown 0.40 0.45
Metrics calculated over the period 1 March 2021 - 28 February 2026
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Robo Advisor 80 Value Tilt Second Grader's Starter
Author Betterment Paul Farrell
ASSET ALLOCATION
Stocks 80% 90%
Fixed Income 20% 10%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.65 12.58
Infl. Adjusted (%) 7.15 9.01
DRAWDOWN
Deepest Drawdown Depth (%) -22.63 -24.21
Start to Recovery (months) 27 26
Longest Drawdown Depth (%) -22.63 -24.21
Start to Recovery (months) 27 26
Longest Negative Period (months) 34 31
RISK INDICATORS
Standard Deviation (%) 12.39 13.26
Sharpe Ratio 0.69 0.79
Sortino Ratio 0.90 1.03
Ulcer Index 6.18 6.45
Ratio: Return / Standard Deviation 0.86 0.95
Ratio: Return / Deepest Drawdown 0.47 0.52
Metrics calculated over the period 1 March 2016 - 28 February 2026
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Robo Advisor 80 Value Tilt Second Grader's Starter
Author Betterment Paul Farrell
ASSET ALLOCATION
Stocks 80% 90%
Fixed Income 20% 10%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.41 8.63
Infl. Adjusted (%) 5.74 5.95
DRAWDOWN
Deepest Drawdown Depth (%) -45.47 -48.52
Start to Recovery (months) 41 59
Longest Drawdown Depth (%) -26.34 -39.03
Start to Recovery (months) 45 64
Longest Negative Period (months) 62 131
RISK INDICATORS
Standard Deviation (%) 13.06 13.91
Sharpe Ratio 0.47 0.46
Sortino Ratio 0.62 0.60
Ulcer Index 9.65 12.78
Ratio: Return / Standard Deviation 0.64 0.62
Ratio: Return / Deepest Drawdown 0.18 0.18
Metrics calculated over the period 1 March 1996 - 28 February 2026
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Robo Advisor 80 Value Tilt Second Grader's Starter
Author Betterment Paul Farrell
ASSET ALLOCATION
Stocks 80% 90%
Fixed Income 20% 10%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.53 10.39
Infl. Adjusted (%) 7.53 7.39
DRAWDOWN
Deepest Drawdown Depth (%) -45.47 -48.52
Start to Recovery (months) 41 59
Longest Drawdown Depth (%) -26.34 -39.03
Start to Recovery (months) 45 64
Longest Negative Period (months) 62 131
RISK INDICATORS
Standard Deviation (%) 12.98 13.53
Sharpe Ratio 0.57 0.53
Sortino Ratio 0.74 0.70
Ulcer Index 8.65 11.23
Ratio: Return / Standard Deviation 0.81 0.77
Ratio: Return / Deepest Drawdown 0.23 0.21
Metrics calculated over the period 1 January 1985 - 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 1985 - 28 February 2026 (~41 years)
30 Years
(1996/03 - 2026/02)

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Robo Advisor 80 Value Tilt Second Grader's Starter
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-48.52 59 Nov 2007
Sep 2012
-45.47 41 Nov 2007
Mar 2011
-39.03 64 Apr 2000
Jul 2005
-26.34 45 Apr 2000
Dec 2003
-24.21 26 Jan 2022
Feb 2024
-22.63 27 Jan 2022
Mar 2024
-19.91 8 Jan 2020
Aug 2020
-19.32 8 Jan 2020
Aug 2020
-17.08 9 May 1998
Jan 1999
-16.93 17 May 2011
Sep 2012
-14.32 5 Jul 1998
Nov 1998
-11.99 7 Oct 2018
Apr 2019
-11.94 17 Feb 2018
Jun 2019
-10.90 15 May 2015
Jul 2016
-10.88 14 Jun 2015
Jul 2016

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Robo Advisor 80 Value Tilt Second Grader's Starter
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-48.52 59 Nov 2007
Sep 2012
-45.47 41 Nov 2007
Mar 2011
-39.03 64 Apr 2000
Jul 2005
-26.34 45 Apr 2000
Dec 2003
-24.21 26 Jan 2022
Feb 2024
-22.63 27 Jan 2022
Mar 2024
-21.75 17 Sep 1987
Jan 1989
-21.31 17 Sep 1987
Jan 1989
-19.91 8 Jan 2020
Aug 2020
-19.32 8 Jan 2020
Aug 2020
-17.08 9 May 1998
Jan 1999
-16.95 14 Jan 1990
Feb 1991
-16.93 17 May 2011
Sep 2012
-16.71 14 Jan 1990
Feb 1991
-14.32 5 Jul 1998
Nov 1998

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 1985 - 28 February 2026 (~41 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 80 Value Tilt Second Grader's Starter
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2026
 6.83 0.00 4.18 0.00
2025
 20.23 -2.15 20.67 -3.62
2024
 10.89 -3.43 16.09 -3.63
2023
 15.58 -9.36 20.93 -9.14
2022
 -15.27 -22.63 -17.70 -24.21
2021
 13.94 -3.34 17.70 -3.84
2020
 11.77 -19.91 16.72 -19.32
2019
 22.23 -5.07 25.83 -5.44
2018
 -8.43 -11.94 -7.40 -11.99
2017
 20.00 0.00 21.30 0.00
2016
 10.10 -4.56 9.42 -5.60
2015
 -2.47 -9.73 -1.16 -9.62
2014
 5.04 -3.48 6.75 -3.49
2013
 19.28 -2.76 24.11 -2.56
2012
 15.60 -7.58 15.86 -7.88
2011
 -3.14 -16.93 -2.83 -17.88
2010
 13.80 -10.01 14.62 -11.38
2009
 29.62 -16.47 28.98 -17.20
2008
 -31.22 -35.02 -34.54 -37.04
2007
 8.95 -5.10 8.57 -5.03
2006
 18.35 -3.82 17.83 -3.36
2005
 11.65 -3.88 8.70 -3.82
2004
 16.21 -3.63 14.35 -3.09
2003
 32.69 -3.90 30.95 -4.37
2002
 -10.81 -19.32 -15.98 -22.25
2001
 -5.95 -17.73 -11.78 -21.62
2000
 -4.45 -9.52 -9.89 -14.07
1999
 24.78 -2.47 23.19 -3.08
1998
 10.36 -17.08 19.50 -14.32
1997
 13.10 -5.30 19.31 -4.84
1996
 14.48 -3.74 14.34 -4.50
1995
 21.01 -1.54 24.48 -1.28
1994
 -1.85 -7.81 2.56 -5.09
1993
 28.78 -3.55 16.32 -4.22
1992
 3.38 -3.45 1.74 -4.65
1991
 35.36 -4.65 23.80 -4.67
1990
 -8.39 -16.71 -10.22 -16.95
1989
 29.99 -2.71 22.09 -2.57
1988
 21.00 -3.11 18.82 -3.47
1987
 1.55 -21.31 10.87 -21.75
1986
 25.69 -5.02 29.27 -5.18
1985
 35.20 -2.37 36.18 -2.85
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