Betterment Robo Advisor 0 Portfolio: ETF allocation and returns

Data Source: from January 1871 to May 2023 (~152 years)
Consolidated Returns as of 31 May 2023
Live Update: Jun 02 2023
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.30%
1 Day
Jun 02 2023
0.14%
Current Month
June 2023

The Betterment Robo Advisor 0 Portfolio is a Low Risk portfolio and can be implemented with 2 ETFs.

It's exposed for 0% on the Stock Market.

In the last 30 Years, the Betterment Robo Advisor 0 Portfolio obtained a 3.13% compound annual return, with a 1.82% standard deviation.

Asset Allocation and ETFs

The Betterment Robo Advisor 0 Portfolio has the following asset allocation:

0% Stocks
100% Fixed Income
0% Commodities

The Betterment Robo Advisor 0 Portfolio can be implemented with the following ETFs:

Weight (%) Ticker ETF Name Investment Themes
80.00
SHY
iShares 1-3 Year Treasury Bond Bond, U.S., Short Term
20.00
BSV
Vanguard Short-Term Bond Bond, U.S., Short Term

Most of Lazy Portfolios are made of common components (asset classes), very simple and well defined. For a more complete view, find out the most common ETFs you can use to build your portfolio.

Portfolio and ETF Returns as of May 31, 2023

The Betterment Robo Advisor 0 Portfolio guaranteed the following returns.

Portfolio returns are calculated in USD, assuming: June 2023 return is calculated on the hypothesis of a newly built portfolio, with the starting asset allocation.
BETTERMENT ROBO ADVISOR 0 PORTFOLIO
Consolidated returns as of 31 May 2023
Live Update: Jun 02 2023
Swipe left to see all data
    Chg (%) Return (%) Return (%) as of May 31, 2023
    1 Day Time ET(*) Jun 2023 1M 6M 1Y 5Y 10Y 30Y MAX
(~152Y)
Betterment Robo Advisor 0 Portfolio -0.30 -0.14 -0.40 1.50 -0.20 0.96 0.74 3.13 4.45
US Inflation Adjusted return -0.40 -0.39 -3.84 -2.75 -1.89 0.61 2.28
Components
SHY
iShares 1-3 Year Treasury Bond -0.28 Jun 02 2023 -0.13 -0.38 1.41 -0.24 0.88 0.65 3.03 4.43
BSV
Vanguard Short-Term Bond -0.35 Jun 02 2023 -0.18 -0.47 1.86 -0.07 1.26 1.09 3.55 4.51
Returns over 1 year are annualized | Available data source: since Jan 1871
(*) Eastern Time (ET - America/New York)
US Inflation is updated to Apr 2023. Waiting for updates, inflation of May 2023 is set to 0%. Current inflation (annualized) is 1Y: 3.79% , 5Y: 3.81% , 10Y: 2.68% , 30Y: 2.51%

In 2022, the Betterment Robo Advisor 0 Portfolio granted a 1.27% dividend yield. If you are interested in getting periodic income, please refer to the Betterment Robo Advisor 0 Portfolio: Dividend Yield page.

Portfolio Metrics as of May 31, 2023

Metrics of Betterment Robo Advisor 0 Portfolio, updated as of 31 May 2023.

Portfolio metrics are calculated based on monthly returns, assuming:
BETTERMENT ROBO ADVISOR 0 PORTFOLIO
Portfolio Metrics
Data Source: 1 January 1871 - 31 May 2023 (~152 years)
Swipe left to see all data
Metrics as of May 31, 2023
1M 3M 6M 1Y 3Y 5Y 10Y 20Y 30Y MAX
(~152Y)
Portfolio Return (%) -0.40 1.57 1.50 -0.20 -1.13 0.96 0.74 1.73 3.13 4.45
US Inflation (%) 0.00 0.84 1.90 3.79 5.77 3.81 2.68 2.55 2.51 2.12
Infl. Adjusted Return (%) -0.40 0.73 -0.39 -3.84 -6.52 -2.75 -1.89 -0.80 0.61 2.28
Waiting for updates, inflation of May 2023 is temporarily set to 0%. Returns / Inflation rates over 1 year are annualized.
RISK INDICATORS
Standard Deviation (%) 2.99 2.07 1.93 1.49 1.55 1.82 3.54
Sharpe Ratio -1.12 -1.04 -0.19 -0.02 0.36 0.51 0.13
Sortino Ratio -1.66 -1.48 -0.26 -0.03 0.52 0.77 0.20
MAXIMUM DRAWDOWN
Drawdown Depth (%) -2.49 -5.86 -5.86 -5.86 -5.86 -5.86 -8.48
Start (yyyy mm) 2022 06 2021 08 2021 08 2021 08 2021 08 2021 08 1971 04
Bottom (yyyy mm) 2022 10 2022 10 2022 10 2022 10 2022 10 2022 10 1971 07
Start to Bottom (# months) 5 15 15 15 15 15 4
Start to Recovery (# months) in progress
11
> 22
> 22
> 22
> 22
> 22
13
ROLLING PERIOD RETURNS - Annualized
Best Return (%) 26.58 17.65 15.88 11.91 9.55 8.31
Worst Return (%) -5.55 -1.15 0.41 0.51 1.14 1.91
% Positive Periods 92% 99% 100% 100% 100% 100%
MONTHS
Positive 0 2 4 6 16 35 68 153 252 1282
Negative 1 1 2 6 20 25 52 87 108 547
% Positive 0% 67% 67% 50% 44% 58% 57% 64% 70% 70%
WITHDRAWAL RATES (WR)
Safe WR (%) 30.59 19.69 9.64 5.06 4.46 5.05
Perpetual WR (%) 0.00 0.00 0.00 0.00 0.61 2.23
Terms and Definitions
  • Annualized Portfolio Return: it's the annualized geometric mean return of the portfolio
  • Standard Deviation: it's a measure of the dispersion of returns around the mean
  • Sharpe Ratio: it's a measure of risk-adjusted performance of the portfolio. It's calculated by dividing the excess return of the portfolio over the risk-free rate by the portfolio standard deviation. The risk-free rate here considered is the 1-3 Mth T-Bill return.
  • Sortino Ratio: another measure of risk-adjusted performance of the portfolio. It's a modification of the Sharpe Ratio (same formula but the denominator is the portfolio downside standard deviation).
  • Maximum Drawdown: 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.
  • Rolling Returns: returns over a time frame (best, worst, % of positive returns).
  • Pos./Neg. Months: number of months with positive/negative return.
  • Safe Withdrawal Rate (SWR): it's the percentage of the original portfolio balance that can be withdrawn at the end of each year with inflation adjustment, without the portfolio running out of money (dollar amount withdrawal).
  • Perpetual Withdrawal Rate (PWR): it's the percentage of portfolio balance that can be withdrawn at the end of each year, while retaining the inflation adjusted portfolio balance (percentage withdrawal).

Portfolio Components Correlation

Correlation measures to what degree the returns of the two assets move in relation to each other.

Correlation coefficient is a numerical value between -1 and +1.

If one variable goes up by a certain amount, the correlation coefficient indicates which way the other variable moves and by how much.

Asset correlations are calculated based on monthly returns.
COMPONENTS MONTHLY CORRELATIONS
Monthly correlations as of 31 May 2023
Swipe left to see all data
Asset
SHY
BSV
SHY
-
0.98
BSV
0.98
-
Asset
SHY
BSV
SHY
-
0.94
BSV
0.94
-
Asset
SHY
BSV
SHY
-
0.94
BSV
0.94
-
Asset
SHY
BSV
SHY
-
0.80
BSV
0.80
-
Asset
SHY
BSV
SHY
-
0.95
BSV
0.95
-

If you want to learn more about historical correlations, you can find out here how the main asset class are correlated to each other.

Capital Growth as of May 31, 2023

An investment of 1000$, since June 1993, now would be worth 2524.53$, with a total return of 152.45% (3.13% annualized).

The Inflation Adjusted Capital now would be 1200.01$, with a net total return of 20.00% (0.61% annualized).
An investment of 1000$, since January 1871, now would be worth 756970.49$, with a total return of 75597.05% (4.45% annualized).

The Inflation Adjusted Capital now would be 31123.86$, with a net total return of 3012.39% (2.28% annualized).

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.

BETTERMENT ROBO ADVISOR 0 PORTFOLIO
Drawdown periods
Updated to May 2023
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-5.86% Aug 2021 Oct 2022 15 in progress 7 22
-2.22% Feb 1994 Apr 1994 3 Jan 1995 9 12
-1.21% Apr 2008 May 2008 2 Sep 2008 4 6
-1.13% Apr 2004 May 2004 2 Oct 2004 5 7
-1.05% Feb 1996 Apr 1996 3 Jul 1996 3 6
-1.01% Nov 2001 Dec 2001 2 Feb 2002 2 4
-1.00% Sep 2017 Feb 2018 6 Nov 2018 9 15
-0.88% Jan 2009 Feb 2009 2 Aug 2009 6 8
-0.84% Dec 2009 Dec 2009 1 Feb 2010 2 3
-0.84% Feb 1999 Feb 1999 1 Apr 1999 2 3
-0.78% Mar 2002 Mar 2002 1 Apr 2002 1 2
-0.77% Jul 2016 Nov 2016 5 Jul 2017 8 13
-0.63% Jul 2003 Aug 2003 2 Sep 2003 1 3
-0.58% Nov 2010 Mar 2011 5 Apr 2011 1 6
-0.57% Nov 2004 Mar 2005 5 May 2005 2 7
-0.54% Oct 2015 Dec 2015 3 Jan 2016 1 4
-0.52% Oct 2002 Nov 2002 2 Dec 2002 1 3
-0.40% May 2013 Jun 2013 2 Oct 2013 4 6
-0.40% Oct 2003 Nov 2003 2 Dec 2003 1 3
-0.35% Jul 2005 Jul 2005 1 Aug 2005 1 2
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months
-8.48% Apr 1971 Jul 1971 4 Apr 1972 9 13
-7.61% Jul 1895 Feb 1896 8 Dec 1896 10 18
-6.76% Mar 1970 May 1970 3 Nov 1970 6 9
-6.20% Sep 1931 Jan 1932 5 Jul 1932 6 11
-5.88% Feb 1898 Apr 1898 3 Jul 1898 3 6
-5.86% Aug 2021 Oct 2022 15 in progress 7 22
-5.46% Jun 1939 Sep 1939 4 Mar 1941 18 22
-5.20% Jan 1980 Feb 1980 2 Apr 1980 2 4
-4.69% Jul 1980 Nov 1980 5 Mar 1981 4 9
-4.65% Jul 1958 Sep 1958 3 Mar 1960 18 21
-4.46% Jul 1873 Oct 1873 4 Dec 1873 2 6
-4.30% Jun 1902 Jul 1902 2 Sep 1902 2 4
-4.17% Sep 1968 Dec 1968 4 Apr 1969 4 8
-3.85% Mar 1975 Apr 1975 2 Jun 1975 2 4
-3.81% Jul 1871 Feb 1872 8 May 1872 3 11
-3.68% Nov 1969 Dec 1969 2 Feb 1970 2 4
-3.58% Jul 1875 Jul 1875 1 Feb 1876 7 8
-3.44% Mar 1957 Jul 1957 5 Dec 1957 5 10
-3.31% Oct 1979 Oct 1979 1 Dec 1979 2 3
-3.30% Sep 1969 Sep 1969 1 Oct 1969 1 2

Rolling Returns ( more details)

A rolling return is a measure of investment performance that calculates the return of an investment over a set period of time, with the starting date rolling forward. This approach can provide a more accurate representation of the investment's historical performance and helps investors to evaluate the investment's consistency over time.

BETTERMENT ROBO ADVISOR 0 PORTFOLIO
Annualized Rolling Returns
Data Source: from January 1871 to May 2023
Swipe left to see all data
Rolling
Period
Annualized Return (%) Negative
Periods
Average Latest Best Worst
1 Year
4.52 -0.20 26.58
Oct 1981 - Sep 1982
-5.55
Oct 2021 - Sep 2022
7.59%
2 Years
4.53 -1.83 19.83
May 1981 - Apr 1983
-2.89
Nov 2020 - Oct 2022
1.55%
3 Years
4.54 -1.13 17.65
Mar 1980 - Feb 1983
-1.15
Mar 2020 - Feb 2023
0.78%
5 Years
4.53 0.96 15.88
Sep 1981 - Aug 1986
0.41
Jun 1948 - May 1953
0.00%
7 Years
4.53 0.73 14.06
Mar 1980 - Feb 1987
0.47
Nov 2015 - Oct 2022
0.00%
10 Years
4.55 0.74 11.91
Mar 1980 - Feb 1990
0.51
Nov 2012 - Oct 2022
0.00%
15 Years
4.59 1.20 10.39
Mar 1980 - Feb 1995
1.00
Jul 1938 - Jun 1953
0.00%
20 Years
4.62 1.73 9.55
Aug 1973 - Jul 1993
1.14
Jul 1933 - Jun 1953
0.00%
30 Years
4.65 3.13 8.31
Aug 1973 - Jul 2003
1.91
Nov 1933 - Oct 1963
0.00%
Annualized rolling and average returns over full calendar month periods

If you need a deeper detail about rolling returns, please refer to the Betterment Robo Advisor 0 Portfolio: Rolling Returns page.

Previous vs subsequent Returns

Considering all 10-year rolling periods, is there a relationship between past and future returns, at a given date?

In the following chart, we show how past returns (x-axis) and subsequent returns (y-axis) are related.

Neighboring data is aggregated and occurrences are indicated. It is possible to zoom by clicking or drawing the desired area

BETTERMENT ROBO ADVISOR 0 PORTFOLIO
Previous vs Next Returns - 10 Years annualized
Updated to May 2023

The annualized return of the last 10 years has been 0.74% (updated at May 31, 2023).

Seasonality

In which months is it better to invest in Betterment Robo Advisor 0 Portfolio?

Both the Average Return and the Gain Frequency (Win %) are useful to get an idea of what happened in the past.

For further information about the seasonality, check the Asset Class Seasonality page.
Swipe left to see all data
Monthly Average Return (%) and Gain Frequency
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average
Gain Frequency
0.22
80%
-0.13
40%
0.38
60%
0.07
80%
0.23
80%
-0.04
60%
0.16
60%
0.04
40%
-0.35
20%
-0.02
40%
0.23
60%
0.19
80%
 Capital Growth on monthly avg returns
100
100.22
100.09
100.47
100.53
100.76
100.72
100.89
100.93
100.57
100.55
100.79
100.98
Best 0.9
2023
0.9
2020
1.7
2023
0.4
2020
0.8
2019
0.5
2019
0.5
2022
0.9
2019
0.0
2020
0.3
2019
0.8
2022
0.8
2018
Worst -0.8
2022
-1.0
2023
-1.5
2022
-0.6
2022
-0.4
2023
-0.6
2022
0.0
2019
-0.9
2022
-1.3
2022
-0.4
2021
-0.1
2021
-0.2
2021
Monthly Seasonality over the period Jun 2018 - May 2023
Swipe left to see all data
Monthly Average Return (%) and Gain Frequency
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average
Gain Frequency
0.25
80%
-0.08
50%
0.25
70%
0.05
80%
0.17
80%
0.02
40%
0.12
60%
0.02
40%
-0.13
40%
0.00
40%
0.03
50%
0.03
50%
 Capital Growth on monthly avg returns
100
100.25
100.17
100.43
100.48
100.66
100.67
100.79
100.82
100.68
100.68
100.72
100.75
Best 0.9
2023
0.9
2020
1.7
2023
0.4
2020
0.8
2019
0.7
2016
0.5
2022
0.9
2019
0.3
2015
0.3
2019
0.8
2022
0.8
2018
Worst -0.8
2022
-1.0
2023
-1.5
2022
-0.6
2022
-0.4
2023
-0.6
2022
-0.1
2014
-0.9
2022
-1.3
2022
-0.4
2021
-0.6
2016
-0.3
2014
Monthly Seasonality over the period Jun 2013 - May 2023
Swipe left to see all data
Monthly Average Return (%) and Gain Frequency
Return (%) Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Average
Gain Frequency
0.28
69%
0.42
73%
0.44
76%
0.32
73%
0.40
71%
0.39
72%
0.12
63%
0.23
66%
0.39
67%
0.45
71%
0.54
69%
0.45
71%
 Capital Growth on monthly avg returns
100
100.28
100.70
101.14
101.47
101.87
102.27
102.40
102.63
103.03
103.49
104.04
104.51
Best 5.6
1968
6.6
1970
4.9
1971
8.9
1980
3.9
1980
2.2
1970
3.9
1982
4.6
1971
4.0
1902
5.5
1981
6.8
1970
5.5
1873
Worst -3.0
1896
-4.6
1980
-3.0
1898
-5.1
1970
-2.0
1971
-2.3
1902
-3.6
1875
-2.2
1980
-4.1
1939
-4.4
1895
-1.7
1933
-2.6
1969
Monthly Seasonality over the period Jan 1871 - May 2023

Monthly/Yearly Returns

Betterment Robo Advisor 0 Portfolio data source starts from January 1871: let's focus on monthly and yearly returns.

We are providing two different views:
  • Histogram: it shows the distribution of the returns recorded so far
  • Plain Table: it shows the detailed monthly and yearly returns
MONTHLY RETURNS HISTOGRAM
Jan 1871 - May 2023
1282 Positive Months (70%) - 547 Negative Months (30%)
MONTHLY RETURNS TABLE
Jan 1871 - May 2023
(Scroll down to see all data)
Swipe left to see all data
Yearly Return(%)
Monthly Return(%)
Year Total Infl.Adj Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2023
+1.40 -0.80 0.9 -1.0 1.7 0.3 -0.4
2022
-4.20 -10.01 -0.8 -0.5 -1.5 -0.6 0.6 -0.6 0.5 -0.9 -1.3 -0.1 0.8 0.1
2021
-0.79 -7.31 0.0 -0.1 -0.1 0.1 0.1 -0.2 0.2 0.0 -0.1 -0.4 -0.1 -0.2
2020
+3.37 +1.98 0.6 0.9 1.1 0.4 0.1 0.1 0.1 0.0 0.0 -0.1 0.1 0.1
2019
+3.70 +1.38 0.3 0.1 0.7 0.2 0.8 0.5 0.0 0.9 -0.2 0.3 -0.1 0.2
2018
+1.44 -0.46 -0.3 -0.1 0.2 -0.2 0.4 0.0 0.0 0.4 -0.1 0.1 0.4 0.8
2017
+0.45 -1.62 0.1 0.1 0.1 0.2 0.1 -0.1 0.2 0.2 -0.2 -0.1 -0.2 0.0
2016
+0.92 -1.13 0.7 0.2 0.2 0.0 -0.1 0.7 0.0 -0.2 0.1 -0.1 -0.6 0.1
2015
+0.53 -0.20 0.7 -0.3 0.3 0.0 0.1 0.0 0.1 -0.1 0.3 -0.1 -0.3 -0.1
2014
+0.63 -0.12 0.3 0.1 -0.1 0.1 0.2 -0.1 -0.1 0.2 -0.1 0.3 0.1 -0.3
2013
+0.20 -1.28 0.0 0.1 0.0 0.1 -0.2 -0.2 0.2 -0.1 0.3 0.1 0.1 -0.2
2012
+0.55 -1.17 0.2 -0.1 -0.1 0.3 0.1 -0.1 0.3 0.1 0.0 -0.1 0.1 -0.1
2011
+1.74 -1.19 0.2 -0.1 -0.1 0.6 0.4 0.0 0.4 0.4 -0.1 0.1 0.0 0.1
2010
+2.60 +1.09 0.8 0.2 -0.3 0.3 0.4 0.5 0.3 0.3 0.2 0.3 -0.2 -0.2
2009
+0.59 -2.08 -0.6 -0.3 0.5 0.0 0.2 -0.1 0.3 0.4 0.3 0.2 0.6 -0.8
2008
+6.99 +6.90 1.8 1.0 0.2 -0.8 -0.4 0.2 0.4 0.5 0.6 0.5 1.7 1.1
2007
+7.05 +2.85 0.2 0.8 0.4 0.3 -0.1 0.4 0.9 0.9 0.6 0.5 1.7 0.2
2006
+4.11 +1.53 0.2 0.1 0.2 0.2 0.2 0.2 0.7 0.8 0.5 0.4 0.5 0.1
2005
+1.66 -1.69 0.0 -0.2 0.0 0.6 0.4 0.3 -0.4 0.7 -0.3 -0.1 0.4 0.4
2004
+0.95 -2.23 0.2 0.5 0.3 -1.1 -0.1 0.0 0.3 0.8 0.0 0.3 -0.6 0.3
2003
+2.62 +0.72 0.0 0.5 0.2 0.3 0.5 0.2 -0.6 -0.1 1.0 -0.4 0.0 1.0
2002
+7.46 +4.97 0.4 0.6 -0.8 1.4 0.7 0.7 1.3 0.9 1.2 0.0 -0.5 1.4
2001
+7.87 +6.22 1.3 0.8 0.8 0.0 0.5 0.4 1.4 0.8 1.5 1.1 -0.8 -0.2
2000
+8.70 +5.14 -0.1 0.7 0.7 0.1 0.3 1.3 0.7 0.9 0.9 0.5 1.2 1.4
1999
+2.14 -0.53 0.5 -0.8 0.7 0.3 -0.3 0.1 0.1 0.2 0.8 0.3 0.2 0.0
1998
+7.20 +5.50 1.1 -0.1 0.4 0.6 0.6 0.5 0.4 1.5 1.7 0.1 -0.1 0.3
1997
+6.60 +4.81 0.4 0.2 -0.2 0.9 0.7 0.7 1.2 0.0 0.8 0.8 0.2 0.7
1996
+4.47 +1.11 0.9 -0.7 -0.2 -0.2 0.1 0.9 0.3 0.3 1.0 1.3 0.9 -0.1
1995
+12.23 +9.46 1.5 1.6 0.6 1.0 2.0 0.6 0.3 0.6 0.6 0.9 1.0 0.8
1994
-0.40 -2.99 0.7 -0.9 -0.9 -0.5 0.1 0.2 0.9 0.3 -0.3 0.2 -0.5 0.2
1993
+6.46 +3.61 1.5 1.2 0.2 0.9 -0.4 0.9 0.0 1.1 0.4 0.1 -0.1 0.5
1992
+6.84 +3.82 -0.4 0.2 -0.2 1.0 1.2 1.3 1.5 1.2 1.1 -1.1 -0.1 1.1
1991
+11.81 +8.49 0.8 0.6 0.7 1.1 0.8 0.2 0.8 1.4 1.2 1.0 0.9 1.8
1990
+9.78 +3.46 -0.1 0.5 0.3 0.1 1.6 1.2 1.3 0.3 0.8 1.1 1.1 1.3
1989
+11.47 +6.52 0.8 0.0 0.4 1.7 1.5 2.1 1.7 -0.9 0.6 1.8 0.8 0.4
1988
+5.93 +1.44 1.6 0.8 0.1 0.1 -0.2 1.0 0.0 0.1 1.3 1.0 -0.3 0.2
1987
+4.72 +0.27 0.7 0.5 0.1 -1.1 0.0 1.1 0.3 0.1 -0.5 2.4 0.4 0.6
1986
+10.57 +9.36 0.7 1.3 2.0 0.7 -0.3 1.6 1.0 1.7 -0.3 0.8 0.6 0.3
1985
+14.05 +9.87 1.1 -0.5 1.3 1.8 2.6 1.2 0.1 0.8 0.9 1.1 1.2 1.6
1984
+14.05 +9.72 1.4 0.2 -0.1 0.4 -1.0 0.8 2.2 1.1 1.8 2.8 2.0 1.7
1983
+8.22 +4.27 0.7 1.4 -0.1 1.8 -0.3 0.3 -0.6 0.6 2.1 0.8 0.8 0.6
1982
+22.41 +17.89 -0.1 0.8 0.7 2.0 1.6 -1.3 3.9 3.5 3.2 4.0 0.4 1.9
1981
+13.75 +4.43 0.6 -0.7 2.8 -2.1 2.5 0.6 -1.1 -0.5 1.1 5.5 5.9 -1.5
1980
+8.59 -3.49 -0.6 -4.6 1.6 8.9 3.9 1.5 -1.0 -2.2 -0.3 -0.8 -0.5 3.0
1979
+7.87 -4.79 1.6 0.2 1.2 0.3 1.8 2.0 0.1 -0.2 0.3 -3.3 2.5 1.2
1978
+3.26 -5.28 0.1 0.4 0.4 0.2 0.3 0.0 0.9 1.0 0.2 -0.9 0.9 -0.1
1977
+3.03 -3.44 -1.6 0.7 0.7 0.3 0.6 1.0 -0.4 0.7 0.1 -0.3 0.9 0.2
1976
+8.68 +3.64 -0.2 0.3 0.9 0.0 -1.9 0.8 0.1 1.6 0.9 1.1 3.2 1.6
1975
+8.81 +1.76 0.0 1.4 -2.8 -1.1 2.8 1.5 -0.7 0.8 -0.8 4.8 -0.6 3.5
1974
+6.86 -4.88 0.1 0.7 -2.0 -0.9 1.8 0.0 -0.8 -0.6 2.0 1.9 1.9 2.5
1973
+4.57 -3.80 -0.3 -0.1 0.0 0.9 -1.0 0.6 -2.7 2.0 3.2 2.0 0.8 -0.8
1972
+3.83 +0.41 -0.9 1.0 0.0 0.5 1.3 -0.1 0.9 -1.5 -0.2 1.6 1.6 -0.3
1971
+7.75 +4.34 3.3 -0.1 4.9 -3.8 -2.0 -2.1 -0.8 4.6 2.4 1.2 -0.2 0.5
1970
+13.86 +7.85 1.2 6.6 -1.1 -5.1 -0.7 2.2 2.5 -0.6 1.7 -0.1 6.8 0.1
1969
+3.12 -2.90 1.0 0.7 0.9 1.9 -1.3 0.0 1.7 0.1 -3.3 5.2 -1.1 -2.6
1968
+4.61 -0.10 5.6 0.2 -1.2 0.5 -0.6 2.0 2.3 0.1 -0.2 -0.6 -0.9 -2.5
1967
+3.48 +0.43 1.9 -0.6 2.6 -1.2 0.7 -2.1 1.4 0.1 0.7 -1.4 0.3 1.3
1966
+5.16 +1.64 0.4 -2.2 2.8 -0.3 0.3 -0.9 -0.2 -2.0 3.1 0.8 -0.8 4.2
1965
+2.31 +0.38 0.6 0.2 0.6 0.4 0.3 0.7 0.3 0.1 -0.2 0.0 -0.1 -0.8
1964
+3.89 +2.90 0.3 0.1 0.0 0.5 0.6 0.7 0.0 0.2 0.6 0.5 0.0 0.3
1963
+2.35 +0.69 0.2 -0.2 0.3 0.4 0.3 0.1 0.4 0.2 0.0 -0.2 1.0 -0.1
1962
+4.28 +2.91 -0.1 1.0 1.4 0.2 -0.1 -0.6 -0.1 0.9 0.4 0.4 0.2 0.8
1961
+2.44 +1.76 0.3 0.8 0.7 0.0 0.9 -1.0 0.0 -0.6 0.8 0.8 0.2 -0.6
1960
+8.87 +7.41 -0.1 2.0 2.1 -0.1 -0.4 1.8 2.2 0.9 0.1 -0.6 -0.2 0.9
1959
+1.29 -0.44 0.5 1.0 0.3 -0.5 -1.0 0.3 0.1 0.3 -1.4 1.8 0.6 -0.7
1958
+1.45 -0.30 1.6 0.9 1.1 1.4 0.2 0.1 -1.3 -2.2 -1.2 0.3 1.1 -0.4
1957
+5.73 +2.75 0.3 1.3 -0.3 -0.3 -0.7 -1.4 -0.8 0.3 0.4 -0.1 2.4 4.6
1956
+1.25 -1.69 0.6 1.1 -0.5 -1.3 1.5 1.2 -0.4 -1.2 0.2 0.9 -0.6 -0.2
1955
+0.20 -0.17 -0.5 0.0 0.2 -0.4 0.3 0.2 -0.7 -0.2 0.4 1.1 0.3 -0.3
1954
+2.54 +3.31 1.1 0.2 1.0 0.9 -0.6 0.1 0.9 -0.4 0.0 -0.3 -0.3 -0.1
1953
+3.17 +2.41 -0.7 -0.3 -0.2 -0.3 -1.6 -0.2 1.9 0.2 1.0 2.1 0.1 1.1
1952
+1.89 +1.13 0.2 -0.2 0.2 1.2 0.6 -0.2 -0.3 -0.6 -0.7 1.5 0.3 0.0
1951
+0.79 -4.92 0.7 -0.2 -1.0 -0.6 -0.5 0.2 1.2 1.3 -0.9 0.1 0.0 0.6
1950
+0.61 -5.03 -0.6 0.1 0.1 -0.1 0.2 -0.2 0.3 0.3 0.0 -0.2 0.1 0.4
1949
+1.93 +4.09 0.4 0.0 0.3 0.0 0.0 0.7 0.2 0.6 -0.4 -0.1 -0.1 0.4
1948
+1.49 -1.46 0.1 0.3 0.2 0.2 0.9 -0.8 -0.1 -0.1 0.4 -0.3 0.5 0.4
1947
+0.86 -7.33 0.7 0.5 0.3 0.2 0.4 0.0 0.4 0.6 -0.1 -0.5 -0.5 -1.0
1946
+1.06 -14.46 0.7 0.4 0.4 -1.2 0.1 0.5 -0.2 -0.3 -0.2 0.4 -0.5 1.0
1945
+1.62 -0.61 1.1 0.4 0.3 0.9 -0.2 0.3 -0.5 0.0 0.1 0.4 0.3 -1.3
1944
+1.25 -1.03 0.1 0.4 0.1 0.0 0.1 0.0 0.1 0.4 0.0 0.0 0.1 0.0
1943
+1.59 -1.32 0.5 0.0 0.0 0.3 0.6 0.2 0.0 0.0 0.1 0.0 -0.1 0.1
1942
+0.66 -7.67 0.2 -0.5 0.8 -0.5 0.3 0.0 -0.2 0.1 0.0 0.2 -0.1 0.4
1941
+1.33 -7.82 0.0 -0.7 1.3 0.8 0.0 1.0 1.1 -0.6 0.0 0.5 -0.3 -1.7
1940
+1.49 +0.77 -0.3 -0.3 0.7 -0.7 -1.9 1.2 0.4 0.0 0.5 0.3 1.3 0.2
1939
+1.14 +1.14 0.0 0.4 0.8 0.6 1.2 -0.3 0.1 -1.2 -4.1 2.1 1.0 0.9
1938
+2.10 +5.02 0.2 0.4 -0.1 0.8 0.4 -0.2 0.1 0.2 -0.7 1.0 -0.3 0.3
1937
+1.05 -1.75 0.6 0.3 -2.1 -0.4 0.6 0.0 1.0 -0.6 0.4 0.2 0.7 0.3
1936
+1.62 +0.16 0.1 0.4 0.4 0.1 0.1 -0.3 0.0 0.5 -0.3 -0.2 1.0 -0.2
1935
+1.57 -1.37 1.4 0.5 0.0 0.3 0.1 0.1 0.2 -1.3 -0.2 0.4 -0.1 0.2
1934
+2.99 +1.45 0.3 1.6 1.0 0.4 0.5 0.3 0.1 -1.1 -1.7 1.4 -0.1 0.4
1933
+2.25 +1.47 1.4 -0.4 -0.6 0.3 1.3 1.1 0.4 0.2 0.5 0.1 -1.7 -0.3
1932
+7.90 +20.26 -2.4 1.5 1.8 2.3 -0.4 0.2 1.7 1.3 0.5 0.1 0.0 1.1
1931
+0.58 +10.91 0.7 -0.3 0.8 0.6 1.4 0.8 0.3 0.3 -0.1 -2.5 0.5 -1.8
1930
+7.14 +14.46 -0.1 0.7 1.5 -0.2 1.0 1.0 0.5 0.4 0.6 0.7 0.6 0.2
1929
+5.68 +5.07 -0.2 -0.4 -0.6 1.2 0.4 0.0 0.8 -0.2 0.5 1.1 2.6 0.3
1928
+1.48 +2.66 0.2 0.2 0.5 0.1 0.0 -0.1 -0.8 -0.2 0.5 0.3 1.1 -0.3
1927
+4.55 +6.97 0.5 0.4 1.0 0.3 0.4 -0.2 -0.1 0.4 0.3 0.2 0.6 0.6
1926
+4.13 +5.31 0.4 0.7 0.2 0.3 0.4 0.2 0.1 0.0 0.2 0.3 0.7 0.7
1925
+2.62 -0.82 0.1 0.2 0.0 0.4 0.6 0.8 0.1 -0.4 0.1 0.4 0.4 0.0
1924
+6.35 +6.35 0.7 0.4 0.3 0.7 0.9 1.7 0.6 0.5 0.2 0.7 0.0 -0.2
1923
+4.16 +1.75 0.4 0.3 0.0 0.3 0.5 0.6 0.4 0.3 0.3 0.0 0.6 0.5
1922
+5.06 +7.54 0.5 -0.1 1.0 1.4 0.5 0.5 1.1 0.5 -0.3 -0.6 0.1 0.4
1921
+11.15 +24.65 1.6 -0.1 0.4 0.5 0.2 0.1 0.4 0.6 1.1 2.6 1.8 1.6
1920
+3.21 +0.55 0.3 -0.4 0.3 -0.9 -1.7 0.9 0.4 -0.1 2.5 3.3 -0.4 -0.9
1919
+3.91 -9.28 0.4 0.0 0.3 0.6 0.9 0.3 0.3 0.0 0.9 0.7 -0.3 -0.2
1918
+5.27 -12.60 0.6 0.9 0.6 0.5 0.4 1.4 0.5 0.5 0.1 0.0 0.9 -1.2
1917
+1.18 -14.33 0.1 1.1 -1.6 0.3 -1.3 -0.2 0.7 0.5 1.6 0.1 0.6 -0.6
1916
+2.73 -8.79 0.0 1.2 0.7 0.0 0.4 -0.6 -0.4 0.4 0.4 0.2 -0.4 0.7
1915
+5.06 +3.02 0.6 0.3 1.1 0.7 0.1 0.1 -0.8 1.4 -0.3 0.0 0.7 1.1
1914
+6.38 +5.33 1.6 1.0 0.2 -0.1 0.6 0.3 0.1 0.7 0.7 0.7 0.6 0.0
1913
+5.50 +2.34 0.6 0.8 0.4 0.3 1.2 0.4 -1.8 0.2 0.2 -0.1 1.8 1.5
1912
+2.36 -4.61 0.3 0.4 0.5 0.6 0.1 -0.1 0.2 -0.3 0.4 0.1 0.2 0.1
1911
+4.07 +6.26 0.5 1.5 0.5 0.1 -1.0 0.8 0.5 -0.2 0.4 0.5 0.3 0.4
1910
+5.46 +14.16 -0.1 0.5 0.1 0.5 0.3 0.7 0.6 0.7 0.9 0.5 0.5 0.3
1909
+1.83 -7.86 0.5 0.5 0.5 0.5 0.5 0.5 -0.1 -0.8 -0.3 0.6 -0.6 0.1
1908
+10.24 +6.70 0.7 1.1 2.6 2.2 0.6 -0.3 0.5 0.2 0.2 0.6 0.5 0.8
1907
+3.42 +5.66 0.2 1.0 1.9 1.1 0.4 0.4 1.0 -0.4 -0.1 0.5 -1.4 -1.2
1906
+3.39 -2.04 0.5 -0.3 0.5 1.3 -0.8 -0.2 0.4 0.8 0.7 0.1 0.2 0.2
1905
+1.74 +1.75 0.2 0.2 1.7 0.2 -0.4 0.7 0.2 0.5 1.0 0.2 -0.9 -1.8
1904
+5.98 +1.24 0.5 -0.2 0.9 0.6 0.3 1.0 0.5 0.0 1.0 0.7 0.0 0.7
1903
+4.76 +10.85 0.5 0.8 1.4 -1.0 1.2 -0.2 -0.3 0.5 1.1 0.6 -0.2 0.4
1902
+2.70 -4.13 0.7 0.5 0.5 0.4 0.3 -2.3 -2.1 0.6 4.0 1.0 -0.4 -0.3
1901
+3.21 -1.70 0.5 0.2 -0.2 1.0 -0.2 0.5 -0.2 -0.8 0.9 1.2 0.2 0.3
1900
+4.68 +8.66 0.1 0.5 1.1 -1.5 1.0 0.1 -0.3 -0.7 0.9 0.2 2.0 1.2
1899
+0.54 -13.96 0.4 -1.0 0.0 0.5 -0.5 0.5 -0.9 -0.1 -0.4 -0.3 0.2 2.2
1898
+4.36 +2.82 0.4 -1.9 -3.0 -1.2 1.8 1.9 3.0 0.8 0.4 0.6 0.1 1.3
1897
+5.17 +5.16 1.7 0.2 0.4 0.3 -1.2 1.2 0.8 -0.6 -0.1 1.1 0.6 0.6
1896
+5.61 +7.18 -3.0 0.0 1.6 1.4 -0.1 0.7 -1.7 -1.5 3.2 1.6 2.7 0.7
1895
+0.36 -2.46 -2.3 4.7 0.5 0.7 0.6 1.1 -0.4 -1.7 0.0 -4.4 2.6 -0.8
1894
+4.81 +12.30 -0.9 1.2 0.7 0.4 -0.1 0.8 0.1 0.4 0.8 0.0 1.0 0.3
1893
+7.84 +16.58 -0.1 0.1 1.2 0.4 0.2 -1.0 -0.5 1.2 1.9 0.2 2.2 1.8
1892
+2.52 +1.31 -0.2 0.5 0.9 -0.7 1.3 1.1 -0.6 0.1 -0.6 0.3 0.5 0.0
1891
+7.13 +12.55 -0.4 1.0 1.3 1.3 0.9 0.9 -3.0 0.7 1.7 -0.1 1.0 1.6
1890
+3.99 +2.68 -0.6 -1.1 0.0 0.2 0.7 0.8 0.9 1.5 1.7 -0.8 0.7 -0.1
1889
+2.76 +9.09 -0.4 1.3 1.3 -0.4 0.6 0.4 -0.6 0.1 0.3 -0.4 0.2 0.4
1888
+6.03 +6.05 0.5 1.4 -1.0 0.1 1.6 1.1 0.1 0.7 1.1 -0.6 0.2 0.7
1887
+4.63 -1.43 -0.3 1.3 0.8 0.8 0.7 0.6 -0.6 0.0 -0.9 0.9 1.5 -0.3
1886
+1.78 +6.74 -0.6 1.7 0.5 -0.5 -0.3 0.4 -0.4 -0.3 0.8 0.6 -0.4 0.4
1885
+5.13 +6.42 -0.6 0.7 0.6 -0.2 0.5 1.0 0.3 0.6 0.6 0.4 0.3 1.0
1884
+5.18 +17.25 0.2 0.5 0.9 -0.1 -1.7 -0.5 0.5 0.9 1.0 0.7 1.5 1.2
1883
+6.15 +14.89 -0.7 0.3 0.6 0.3 -0.1 0.5 -0.5 0.5 1.4 0.7 1.3 1.7
1882
+4.62 +6.60 0.0 0.3 0.9 1.3 1.0 -0.3 -0.5 0.5 0.2 -0.6 0.4 1.3
1881
+3.91 -2.93 0.4 0.3 0.3 0.8 1.9 0.6 -1.4 -0.8 0.8 -0.8 0.6 1.1
1880
+5.33 +7.44 0.0 1.9 0.5 -0.1 0.7 0.9 -0.8 0.9 -0.7 -1.3 2.4 0.9
1879
+3.25 -12.93 -0.7 0.4 -0.4 0.8 2.3 -0.6 -0.7 -0.2 0.8 0.1 0.9 0.7
1878
+6.47 +23.79 0.7 0.7 0.0 -0.1 2.5 -0.4 -0.2 0.8 0.7 -0.1 0.9 0.9
1877
+3.83 +17.37 -1.5 0.4 0.1 1.5 2.3 -0.5 0.8 -0.1 -1.6 0.5 1.3 0.4
1876
+6.44 +8.31 -0.5 2.1 0.8 0.8 1.1 2.0 -0.9 -0.8 -0.7 0.3 1.4 0.9
1875
+4.78 +10.25 -1.1 1.1 0.5 1.7 1.7 1.5 -3.6 0.3 0.2 0.7 0.9 1.0
1874
+13.97 +20.61 -0.3 3.0 1.6 1.7 1.0 1.3 -2.4 1.1 0.7 1.1 2.2 2.4
1873
+8.44 +15.21 -0.9 0.9 1.6 1.5 2.1 1.8 -1.8 0.5 -1.6 -1.6 0.4 5.5
1872
+5.08 +2.73 -2.6 -0.2 0.7 2.4 2.4 1.5 -1.9 0.2 -1.0 1.6 0.8 1.1
1871
+3.54 +1.99 -0.5 1.8 0.6 1.0 1.1 0.6 -1.8 0.3 0.8 -0.8 0.1 0.3

Portofolio Returns, up to December 2007, are simulated. They have been calculated using the historical series of equivalent ETFs / Assets, instead of the actual ETFs of the portfolio.

In particular, it has been used:

  • SHY - iShares 1-3 Year Treasury Bond: simulated historical serie, up to December 2002
  • BSV - Vanguard Short-Term Bond: simulated historical serie, up to December 2007

Portfolio efficiency

Compared to the Betterment Robo Advisor 0 Portfolio, no other portfolio in our database granted a higher return over 30 Years and a less severe drawdown at the same time.

Here's a list containing the Best Classic Portfolios, with the highest returns over 30 Years

and Low Risk categorization.

Swipe left to see all data
30 Years Stats (%)
% Allocation
Portfolio Author Return Dev.Std Drawdown Stocks Bonds Comm
High Yield Bonds Income +6.57 8.71 -23.97 0 100 0
Stocks/Bonds 20/80 Momentum +6.10 4.82 -17.91 20 80 0
All Country World 20/80 +5.75 5.54 -17.97 20 80 0
Stocks/Bonds 20/80 +5.62 4.76 -16.57 20 80 0
Dimensional Retirement Income Fund DFA +5.48 4.78 -12.91 20.4 79.6 0