Betterment Robo Advisor 90 Portfolio: ETF allocation and returns

Data Source: from January 1985 to February 2024 (~39 years)
Consolidated Returns as of 29 February 2024
Live Update: Mar 01 2024
PORTFOLIO • LIVE PERFORMANCE (USD currency)
0.86%
1 Day
Mar 01 2024
0.86%
Current Month
March 2024

The Betterment Robo Advisor 90 Portfolio is a Very High Risk portfolio and can be implemented with 11 ETFs.

It's exposed for 90.1% on the Stock Market.

In the last 30 Years, the Betterment Robo Advisor 90 Portfolio obtained a 8.06% compound annual return, with a 14.44% standard deviation.

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Asset Allocation and ETFs

The Betterment Robo Advisor 90 Portfolio has the following asset allocation:

90.1% Stocks
9.9% Fixed Income
0% Commodities

The Betterment Robo Advisor 90 Portfolio can be implemented with the following ETFs:

Weight (%) Ticker Currency ETF Name Investment Themes
30.90
VTI
USD Vanguard Total Stock Market Equity, U.S., Large Cap
24.60
VEA
USD Vanguard FTSE Developed Markets Equity, EAFE, Large Cap
14.00
EEM
USD iShares MSCI Emerging Markets Equity, Emerging Markets, Large Cap
8.20
VTV
USD Vanguard Value Equity, U.S., Large Cap, Value
6.70
VOE
USD Vanguard Mid-Cap Value Equity, U.S., Mid Cap
5.70
IJS
USD iShares S&P Small-Cap 600 Value Equity, U.S., Small Cap, Value
3.50
BND
USD Vanguard Total Bond Market Bond, U.S., All-Term
2.90
BNDX
USD Vanguard Total International Bond Bond, Developed Markets, All-Term
1.70
EMB
USD iShares JP Morgan USD Em Mkts Bd Bond, Emerging Markets, All-Term
1.20
TIP
USD iShares TIPS Bond Bond, U.S., All-Term
0.60
BIL
USD SPDR Blmbg Barclays 1-3 Mth T-Bill Bond, U.S., Ultra 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 Feb 29, 2024

The Betterment Robo Advisor 90 Portfolio guaranteed the following returns.

Returns are calculated in USD, assuming: March 2024 return is calculated on the hypothesis of a newly built portfolio, with the starting asset allocation.
BETTERMENT ROBO ADVISOR 90 PORTFOLIO
Consolidated returns as of 29 February 2024
Live Update: Mar 01 2024
Swipe left to see all data
  Chg (%) Return (%) Return (%) as of Feb 29, 2024
  1 Day Time ET(*) Mar 2024 1M 6M 1Y 5Y 10Y 30Y MAX
(~39Y)
Betterment Robo Advisor 90 Portfolio 0.86 0.86 3.52 8.96 15.53 8.20 7.37 8.06 10.43
US Inflation Adjusted return 3.52 7.73 12.48 3.94 4.47 5.41 7.43
Components
VTI
USD Vanguard Total Stock Market 0.92 Mar 01 2024 0.92 5.30 13.69 28.61 13.82 11.96 10.22 11.25
VEA
USD Vanguard FTSE Developed Markets 1.07 Mar 01 2024 1.07 2.74 8.53 13.89 6.75 4.64 4.92 7.96
EEM
USD iShares MSCI Emerging Markets 1.23 Mar 01 2024 1.23 4.17 4.06 7.46 1.11 2.35 4.45 8.66
VTV
USD Vanguard Value 0.65 Mar 01 2024 0.65 3.34 10.04 14.57 10.52 10.17 9.36 10.90
VOE
USD Vanguard Mid-Cap Value 0.52 Mar 01 2024 0.52 4.06 9.06 8.89 8.99 8.46 10.52 11.85
IJS
USD iShares S&P Small-Cap 600 Value 0.32 Mar 01 2024 0.32 2.37 5.01 0.91 6.96 7.54 10.17 11.79
BND
USD Vanguard Total Bond Market 0.42 Mar 01 2024 0.42 -1.36 2.38 3.47 0.54 1.39 4.19 5.69
BNDX
USD Vanguard Total International Bond 0.15 Mar 01 2024 0.15 -0.54 3.57 6.68 0.45 2.10 4.76 6.58
EMB
USD iShares JP Morgan USD Em Mkts Bd 0.59 Mar 01 2024 0.59 0.78 5.62 8.90 0.20 2.37 8.86 9.42
TIP
USD iShares TIPS Bond 0.37 Mar 01 2024 0.37 -1.05 1.78 1.82 2.23 1.77 4.98 6.69
BIL
USD SPDR Blmbg Barclays 1-3 Mth T-Bill 0.03 Mar 01 2024 0.03 0.44 2.62 5.20 1.82 1.18 2.26 3.11
Returns over 1 year are annualized | Available data source: since Jan 1985
(*) Eastern Time (ET - America/New York)
US Inflation is updated to Jan 2024. Pending updates, the monthly inflation is set at 0% for the subsequent periods. Current inflation (annualized) is 1Y: 2.71% , 5Y: 4.10% , 10Y: 2.77% , 30Y: 2.52%

In 2023, the Betterment Robo Advisor 90 Portfolio granted a 2.72% dividend yield. If you are interested in getting periodic income, please refer to the Betterment Robo Advisor 90 Portfolio: Dividend Yield page.

Capital Growth as of Feb 29, 2024

An investment of 1$, since March 1994, now would be worth 10.24$, with a total return of 924.37% (8.06% annualized).

The Inflation Adjusted Capital now would be 4.85$, with a net total return of 385.25% (5.41% annualized).
An investment of 1$, since January 1985, now would be worth 48.69$, with a total return of 4768.76% (10.43% annualized).

The Inflation Adjusted Capital now would be 16.59$, with a net total return of 1558.64% (7.43% annualized).

Portfolio Metrics as of Feb 29, 2024

Metrics of Betterment Robo Advisor 90 Portfolio, updated as of 29 February 2024.

Metrics are calculated based on monthly returns, assuming:
BETTERMENT ROBO ADVISOR 90 PORTFOLIO
Advanced Metrics
Data Source: 1 January 1985 - 29 February 2024 (~39 years)
Swipe left to see all data
Metrics as of Feb 29, 2024
1M 3M 6M 1Y 3Y 5Y 10Y 20Y 30Y MAX
(~39Y)
Investment Return (%) 3.52 8.13 8.96 15.53 4.36 8.20 7.37 7.80 8.06 10.43
Infl. Adjusted Return (%) details 3.52 7.55 7.73 12.48 -1.10 3.94 4.47 5.11 5.41 7.43
US Inflation (%) 0.00 0.54 1.14 2.71 5.52 4.10 2.77 2.56 2.52 2.79
Pending updates, the monthly inflation after Jan 2024 is set at 0%. Returns / Inflation rates over 1 year are annualized.
DRAWDOWN
Inflation Adjusted:
Inflation Adjusted:
1Y 3Y 5Y 10Y 20Y 30Y MAX
Deepest Drawdown Depth (%) -9.97 -23.36 -23.36 -23.36 -50.07 -50.07 -50.07
Start to Recovery (# months) details 5 26 26 26 62 62 62
Start (yyyy mm) 2023 08 2022 01 2022 01 2022 01 2007 11 2007 11 2007 11
Start to Bottom (# months) 3 9 9 9 16 16 16
Bottom (yyyy mm) 2023 10 2022 09 2022 09 2022 09 2009 02 2009 02 2009 02
Bottom to End (# months) 2 17 17 17 46 46 46
End (yyyy mm) 2023 12 2024 02 2024 02 2024 02 2012 12 2012 12 2012 12
Longest Drawdown Depth (%)
same as
deepest

same as
deepest

same as
deepest

same as
deepest

same as
deepest

same as
deepest

same as
deepest
Start to Recovery (# months) details
Start (yyyy mm) 2023 08 2022 01 2022 01 2022 01 2007 11 2007 11 2007 11
Start to Bottom (# months) 3 9 9 9 16 16 16
Bottom (yyyy mm) 2023 10 2022 09 2022 09 2022 09 2009 02 2009 02 2009 02
Bottom to End (# months) 2 17 17 17 46 46 46
End (yyyy mm) 2023 12 2024 02 2024 02 2024 02 2012 12 2012 12 2012 12
Longest negative period (# months) details 8 32 33 35 62 111 111
Period Start (yyyy mm) 2023 03 2021 03 2020 01 2017 05 2007 06 1999 12 1999 12
Period End (yyyy mm) 2023 10 2023 10 2022 09 2020 03 2012 07 2009 02 2009 02
Annualized Return (%) -1.95 -1.10 -0.01 -0.34 -0.10 -0.13 -0.13
Deepest Drawdown Depth (%) -10.82 -28.50 -28.50 -28.50 -50.90 -50.90 -50.90
Start to Recovery (# months) details 5 30* 30* 30* 66 66 66
Start (yyyy mm) 2023 08 2021 09 2021 09 2021 09 2007 11 2007 11 2007 11
Start to Bottom (# months) 3 13 13 13 16 16 16
Bottom (yyyy mm) 2023 10 2022 09 2022 09 2022 09 2009 02 2009 02 2009 02
Bottom to End (# months) 2 17 17 17 50 50 50
End (yyyy mm) 2023 12 - - - 2013 04 2013 04 2013 04
Longest Drawdown Depth (%)
same as
deepest

same as
deepest

same as
deepest

same as
deepest

same as
deepest

same as
deepest

same as
deepest
Start to Recovery (# months) details
Start (yyyy mm) 2023 08 2021 09 2021 09 2021 09 2007 11 2007 11 2007 11
Start to Bottom (# months) 3 13 13 13 16 16 16
Bottom (yyyy mm) 2023 10 2022 09 2022 09 2022 09 2009 02 2009 02 2009 02
Bottom to End (# months) 2 17 17 17 50 50 50
End (yyyy mm) 2023 12 - - - 2013 04 2013 04 2013 04
Longest negative period (# months) details 8 36* 48 69 73 140 140
Period Start (yyyy mm) 2023 03 2021 03 2019 11 2018 02 2006 05 1997 07 1997 07
Period End (yyyy mm) 2023 10 2024 02 2023 10 2023 10 2012 05 2009 02 2009 02
Annualized Return (%) -4.81 -1.10 -0.07 -0.35 -0.23 -0.13 -0.13
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
1Y 3Y 5Y 10Y 20Y 30Y MAX
Standard Deviation (%) 13.31 15.34 16.62 13.76 14.74 14.44 14.52
Sharpe Ratio 0.78 0.13 0.38 0.45 0.44 0.40 0.44
Sortino Ratio 1.13 0.18 0.51 0.60 0.58 0.53 0.58
Ulcer Index 3.65 9.51 8.52 6.83 11.56 11.40 10.40
Ratio: Return / Standard Deviation 1.17 0.28 0.49 0.54 0.53 0.56 0.72
Ratio: Return / Deepest Drawdown 1.56 0.19 0.35 0.32 0.16 0.16 0.21
% Positive Months details 58% 55% 60% 63% 62% 61% 64%
Positive Months 7 20 36 76 150 223 301
Negative Months 5 16 24 44 90 137 169
LONG TERM RETURNS
Inflation Adjusted:
Inflation Adjusted:
1Y 3Y 5Y 10Y 20Y 30Y MAX
Best 10 Years Return (%) - Annualized 7.37 13.18 13.18 16.52
Worst 10 Years Return (%) - Annualized 4.80 1.70 1.70
Best 10 Years Return (%) - Annualized 4.47 11.22 11.22 12.71
Worst 10 Years Return (%) - Annualized 2.98 -0.86 -0.86
ROLLING PERIODS
Inflation Adjusted:
Inflation Adjusted:
1Y 3Y 5Y 10Y 20Y 30Y MAX
Over the latest 30Y
Best Rolling Return (%) - Annualized 58.27 26.29 20.84 13.18 9.24 8.06
Worst Rolling Return (%) - Annualized -42.94 -12.87 -2.57 1.70 5.16
% Positive Periods 73% 86% 96% 100% 100% 100%
SWR - Safe Withdrawal Rate (%) - 100% Success - Annualized 71.97 24.40 15.58 9.24 5.98 6.90
PWR - Perpetual Withdrawal Rate (%) - 100% Success - Annualized - - - - 2.69 5.48
WR calculated based on initial capital | Monthly withdrawals adjusted for inflation | Credits: BestRetirementPortfolio.com
Best Rolling Return (%) - Annualized 54.93 22.87 17.80 11.22 6.81 5.41
Worst Rolling Return (%) - Annualized -42.95 -14.72 -5.07 -0.86 3.02
% Positive Periods 69% 81% 88% 98% 100% 100%
SWR - Safe Withdrawal Rate (%) - 100% Success - Annualized 71.97 24.40 15.58 9.24 5.98 6.90
PWR - Perpetual Withdrawal Rate (%) - 100% Success - Annualized - - - - 2.69 5.48
WR calculated based on initial capital | Monthly withdrawals adjusted for inflation | Credits: BestRetirementPortfolio.com
Over all the available data source (Jan 1985 - Feb 2024)
Best Rolling Return (%) - Annualized 58.27 26.29 23.28 16.52 13.32 11.33
Worst Rolling Return (%) - Annualized -42.94 -12.87 -2.57 1.70 5.16 7.64
% Positive Periods 76% 89% 97% 100% 100% 100%
SWR - Safe Withdrawal Rate (%) - 100% Success - Annualized 71.97 24.40 15.58 9.24 5.98 6.63
PWR - Perpetual Withdrawal Rate (%) - 100% Success - Annualized - - - - 2.69 5.16
WR calculated based on initial capital | Monthly withdrawals adjusted for inflation | Credits: BestRetirementPortfolio.com
Best Rolling Return (%) - Annualized 54.93 22.87 18.92 12.71 9.99 8.38
Worst Rolling Return (%) - Annualized -42.95 -14.72 -5.07 -0.86 3.02 4.99
% Positive Periods 72% 85% 91% 99% 100% 100%
SWR - Safe Withdrawal Rate (%) - 100% Success - Annualized 71.97 24.40 15.58 9.24 5.98 6.63
PWR - Perpetual Withdrawal Rate (%) - 100% Success - Annualized - - - - 2.69 5.16
WR calculated based on initial capital | Monthly withdrawals adjusted for inflation | Credits: BestRetirementPortfolio.com
Terms and Definitions
  • Annualized Portfolio Return: it's the annualized geometric mean return of the portfolio.
  • Deepest/Longest Drawdown: a drawdown refers to the decline in value from a relative peak value to a relative trough. The deepest (or maximum) drawdown is the maximum observed loss from a peak to a trough of a portfolio before a new peak is attained. The longest drawdown is the period observed from a peak to the subsequent peak with the greatest duration.
  • Longest negative period: it's the maximum period for which an overall negative return has been observed.
  • 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).
  • Ulcer Index: it's a measure of downside risk that quantifies the depth and duration of drawdowns in an investment portfolio.
  • Best/Worst 10Y returns: the best and the worst 10-year return over a time frame.
  • Rolling Returns: N-year returns over a time frame, calculated over all the available data source (best, worst, % of positive returns). Each rolling period, longer than the longest negative period, yielded a non-negative minimum return.
  • Safe Withdrawal Rate (SWR): it's the percentage of the initial portfolio balance that can be withdrawn at the beginning of each month with inflation adjustment, without the portfolio running out of money in any case (money amount withdrawal).
    For instance: Your initial invested capital is 100.000$; withdrawal rate (annualized) is 4%. This means that, in the first month, you will withdraw 100.000 * 4% * 1/12 = 333.33$. The second month, you’ll withdraw 333.33$ plus the inflation monthly rate. You’ll continue adjusting your withdraw monthly for inflation.
  • Perpetual Withdrawal Rate (PWR): it's the percentage of the initial portfolio balance that can be withdrawn at the beginning of each month with inflation adjustment, preserving the original invested capital, adjusted for inflation too.

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 29 February 2024
Swipe left to see all data
Asset
VTI
VEA
EEM
VTV
VOE
IJS
BND
BNDX
EMB
TIP
BIL
VTI
-
0.92
0.87
0.91
0.89
0.82
0.69
0.63
0.92
0.62
0.26
VEA
0.92
-
0.90
0.93
0.89
0.81
0.79
0.69
0.95
0.74
0.14
EEM
0.87
0.90
-
0.81
0.81
0.78
0.60
0.54
0.86
0.57
0.01
VTV
0.91
0.93
0.81
-
0.98
0.88
0.62
0.49
0.86
0.56
0.29
VOE
0.89
0.89
0.81
0.98
-
0.93
0.54
0.44
0.85
0.45
0.33
IJS
0.82
0.81
0.78
0.88
0.93
-
0.56
0.52
0.84
0.44
0.25
BND
0.69
0.79
0.60
0.62
0.54
0.56
-
0.96
0.87
0.96
0.15
BNDX
0.63
0.69
0.54
0.49
0.44
0.52
0.96
-
0.83
0.91
0.19
EMB
0.92
0.95
0.86
0.86
0.85
0.84
0.87
0.83
-
0.80
0.23
TIP
0.62
0.74
0.57
0.56
0.45
0.44
0.96
0.91
0.80
-
0.12
BIL
0.26
0.14
0.01
0.29
0.33
0.25
0.15
0.19
0.23
0.12
-
Asset
VTI
VEA
EEM
VTV
VOE
IJS
BND
BNDX
EMB
TIP
BIL
VTI
-
0.91
0.75
0.92
0.92
0.86
0.52
0.56
0.79
0.61
-0.05
VEA
0.91
-
0.86
0.91
0.91
0.86
0.56
0.54
0.85
0.59
-0.02
EEM
0.75
0.86
-
0.71
0.76
0.74
0.52
0.46
0.81
0.45
-0.03
VTV
0.92
0.91
0.71
-
0.97
0.90
0.35
0.39
0.70
0.46
-0.10
VOE
0.92
0.91
0.76
0.97
-
0.94
0.39
0.44
0.75
0.48
-0.13
IJS
0.86
0.86
0.74
0.90
0.94
-
0.33
0.39
0.65
0.41
-0.16
BND
0.52
0.56
0.52
0.35
0.39
0.33
-
0.90
0.73
0.85
0.09
BNDX
0.56
0.54
0.46
0.39
0.44
0.39
0.90
-
0.73
0.85
0.13
EMB
0.79
0.85
0.81
0.70
0.75
0.65
0.73
0.73
-
0.67
0.06
TIP
0.61
0.59
0.45
0.46
0.48
0.41
0.85
0.85
0.67
-
-0.09
BIL
-0.05
-0.02
-0.03
-0.10
-0.13
-0.16
0.09
0.13
0.06
-0.09
-
Asset
VTI
VEA
EEM
VTV
VOE
IJS
BND
BNDX
EMB
TIP
BIL
VTI
-
0.89
0.70
0.93
0.93
0.85
0.38
0.42
0.68
0.49
-0.02
VEA
0.89
-
0.83
0.87
0.88
0.78
0.44
0.40
0.77
0.51
0.00
EEM
0.70
0.83
-
0.68
0.71
0.64
0.42
0.35
0.75
0.44
-0.02
VTV
0.93
0.87
0.68
-
0.96
0.88
0.23
0.28
0.60
0.35
-0.08
VOE
0.93
0.88
0.71
0.96
-
0.92
0.29
0.35
0.66
0.40
-0.10
IJS
0.85
0.78
0.64
0.88
0.92
-
0.22
0.28
0.54
0.32
-0.12
BND
0.38
0.44
0.42
0.23
0.29
0.22
-
0.88
0.71
0.84
0.06
BNDX
0.42
0.40
0.35
0.28
0.35
0.28
0.88
-
0.68
0.79
0.05
EMB
0.68
0.77
0.75
0.60
0.66
0.54
0.71
0.68
-
0.66
0.03
TIP
0.49
0.51
0.44
0.35
0.40
0.32
0.84
0.79
0.66
-
-0.05
BIL
-0.02
0.00
-0.02
-0.08
-0.10
-0.12
0.06
0.05
0.03
-0.05
-
Asset
VTI
VEA
EEM
VTV
VOE
IJS
BND
BNDX
EMB
TIP
BIL
VTI
-
0.85
0.76
0.94
0.89
0.86
0.16
0.16
0.57
0.20
-0.02
VEA
0.85
-
0.82
0.83
0.80
0.75
0.17
0.19
0.60
0.20
-0.04
EEM
0.76
0.82
-
0.72
0.70
0.68
0.14
0.14
0.67
0.18
-0.04
VTV
0.94
0.83
0.72
-
0.94
0.85
0.11
0.12
0.56
0.16
-0.01
VOE
0.89
0.80
0.70
0.94
-
0.90
0.14
0.17
0.56
0.20
-0.03
IJS
0.86
0.75
0.68
0.85
0.90
-
0.09
0.12
0.50
0.13
-0.03
BND
0.16
0.17
0.14
0.11
0.14
0.09
-
0.68
0.50
0.83
0.14
BNDX
0.16
0.19
0.14
0.12
0.17
0.12
0.68
-
0.36
0.61
0.06
EMB
0.57
0.60
0.67
0.56
0.56
0.50
0.50
0.36
-
0.44
0.07
TIP
0.20
0.20
0.18
0.16
0.20
0.13
0.83
0.61
0.44
-
0.09
BIL
-0.02
-0.04
-0.04
-0.01
-0.03
-0.03
0.14
0.06
0.07
0.09
-
Asset
VTI
VEA
EEM
VTV
VOE
IJS
BND
BNDX
EMB
TIP
BIL
VTI
-
0.73
0.71
0.94
0.91
0.87
0.20
0.20
0.56
0.23
0.01
VEA
0.73
-
0.67
0.72
0.69
0.65
0.20
0.22
0.53
0.22
0.03
EEM
0.71
0.67
-
0.68
0.67
0.64
0.19
0.20
0.62
0.21
0.03
VTV
0.94
0.72
0.68
-
0.94
0.85
0.18
0.18
0.55
0.21
0.02
VOE
0.91
0.69
0.67
0.94
-
0.91
0.19
0.22
0.55
0.23
-0.01
IJS
0.87
0.65
0.64
0.85
0.91
-
0.12
0.15
0.49
0.15
-0.02
BND
0.20
0.20
0.19
0.18
0.19
0.12
-
0.74
0.52
0.87
0.21
BNDX
0.20
0.22
0.20
0.18
0.22
0.15
0.74
-
0.43
0.72
0.15
EMB
0.56
0.53
0.62
0.55
0.55
0.49
0.52
0.43
-
0.48
0.06
TIP
0.23
0.22
0.21
0.21
0.23
0.15
0.87
0.72
0.48
-
0.15
BIL
0.01
0.03
0.03
0.02
-0.01
-0.02
0.21
0.15
0.06
0.15
-

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

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 90 PORTFOLIO
Drawdown periods
Drawdown periods - Inflation Adjusted
Data Source: 1 March 1994 - 29 February 2024 (30 Years)
Data Source: 1 January 1985 - 29 February 2024 (~39 years)
Inflation Adjusted:
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months Ulcer Index
-50.07% Nov 2007 Feb 2009 16 Dec 2012 46 62 20.46
-32.03% Apr 2000 Sep 2002 30 Jan 2004 16 46 16.99
-23.36% Jan 2022 Sep 2022 9 Feb 2024 17 26 11.10
-22.15% Jan 2020 Mar 2020 3 Nov 2020 8 11 9.32
-18.63% May 1998 Aug 1998 4 Jan 1999 5 9 8.42
-13.38% Feb 2018 Dec 2018 11 Oct 2019 10 21 5.01
-12.25% May 2015 Feb 2016 10 Aug 2016 6 16 6.25
-6.63% Sep 1994 Jan 1995 5 May 1995 4 9 3.88
-5.90% Aug 1997 Oct 1997 3 Feb 1998 4 7 3.66
-5.00% Mar 1994 Mar 1994 1 Aug 1994 5 6 2.71
-4.61% Jan 2000 Jan 2000 1 Mar 2000 2 3 2.79
-4.52% Jun 1996 Jul 1996 2 Sep 1996 2 4 2.27
-4.48% Mar 2005 Apr 2005 2 Jul 2005 3 5 2.30
-4.18% May 2006 May 2006 1 Oct 2006 5 6 2.68
-4.04% Jan 2014 Jan 2014 1 Feb 2014 1 2 2.33
Swipe left to see all data
Drawdown (DD)
Occurrencies (EOM)
Drawdown (DD)
Range #Num Every (Avg) Frequency Cumulative Frequency
All Time High (DD=0%) 105 3.4 Months 29.09%
 
DD = 0% 29.09%
 
0% < DD <= -5% 123 2.9 Months 34.07%
 
DD <= -5% 63.16%
 
-5% < DD <= -10% 39 9.3 Months 10.80%
 
DD <= -10% 73.96%
 
-10% < DD <= -15% 36 10.0 Months 9.97%
 
DD <= -15% 83.93%
 
-15% < DD <= -20% 24 15.0 Months 6.65%
 
DD <= -20% 90.58%
 
-20% < DD <= -25% 13 27.8 Months 3.60%
 
DD <= -25% 94.18%
 
-25% < DD <= -30% 10 36.1 Months 2.77%
 
DD <= -30% 96.95%
 
-30% < DD <= -35% 4 90.3 Months 1.11%
 
DD <= -35% 98.06%
 
-35% < DD <= -40% 3 120.3 Months 0.83%
 
DD <= -40% 98.89%
 
-40% < DD <= -45% 2 180.5 Months 0.55%
 
DD <= -45% 99.45%
 
-45% < DD <= -50% 1 361.0 Months 0.28%
 
DD <= -50% 99.72%
 
-50% < DD <= -55% 1 361.0 Months 0.28%
 
DD <= -55% 100.00%
 
-55% < DD <= -60% 0 - 0.00%
 
DD <= -60% 100.00%
 
-60% < DD <= -65% 0 - 0.00%
 
DD <= -65% 100.00%
 
-65% < DD <= -70% 0 - 0.00%
 
DD <= -70% 100.00%
 
-70% < DD <= -100% 0 - 0.00%
 
DD <= -100% 100.00%
 
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months Ulcer Index
-50.90% Nov 2007 Feb 2009 16 Apr 2013 50 66 22.40
-35.74% Jan 2000 Sep 2002 33 Nov 2004 26 59 18.38
-28.50% Sep 2021 Sep 2022 13 in progress 17 30 16.09
-22.01% Jan 2020 Mar 2020 3 Nov 2020 8 11 9.09
-19.23% May 1998 Aug 1998 4 Mar 1999 7 11 8.20
-14.72% Feb 2018 Dec 2018 11 Nov 2019 11 22 6.05
-12.66% May 2015 Feb 2016 10 Dec 2016 10 20 6.19
-7.56% Sep 1994 Jan 1995 5 May 1995 4 9 4.56
-6.54% Aug 1997 Oct 1997 3 Feb 1998 4 7 4.18
-5.25% Mar 1994 Mar 1994 1 Aug 1994 5 6 3.12
-5.12% Mar 2005 Apr 2005 2 Jul 2005 3 5 2.69
-4.89% Jun 1996 Jul 1996 2 Sep 1996 2 4 2.52
-4.69% May 2006 Jun 2006 2 Oct 2006 4 6 3.28
-4.27% Jan 2014 Jan 2014 1 Mar 2014 2 3 2.14
-3.95% Jul 1999 Sep 1999 3 Nov 1999 2 5 2.05
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Drawdown (DD)
Occurrencies (EOM)
Drawdown (DD)
Range #Num Every (Avg) Frequency Cumulative Frequency
All Time High (DD=0%) 84 4.3 Months 23.27%
 
DD = 0% 23.27%
 
0% < DD <= -5% 95 3.8 Months 26.32%
 
DD <= -5% 49.58%
 
-5% < DD <= -10% 61 5.9 Months 16.90%
 
DD <= -10% 66.48%
 
-10% < DD <= -15% 37 9.8 Months 10.25%
 
DD <= -15% 76.73%
 
-15% < DD <= -20% 36 10.0 Months 9.97%
 
DD <= -20% 86.70%
 
-20% < DD <= -25% 16 22.6 Months 4.43%
 
DD <= -25% 91.14%
 
-25% < DD <= -30% 16 22.6 Months 4.43%
 
DD <= -30% 95.57%
 
-30% < DD <= -35% 5 72.2 Months 1.39%
 
DD <= -35% 96.95%
 
-35% < DD <= -40% 5 72.2 Months 1.39%
 
DD <= -40% 98.34%
 
-40% < DD <= -45% 3 120.3 Months 0.83%
 
DD <= -45% 99.17%
 
-45% < DD <= -50% 2 180.5 Months 0.55%
 
DD <= -50% 99.72%
 
-50% < DD <= -55% 1 361.0 Months 0.28%
 
DD <= -55% 100.00%
 
-55% < DD <= -60% 0 - 0.00%
 
DD <= -60% 100.00%
 
-60% < DD <= -65% 0 - 0.00%
 
DD <= -65% 100.00%
 
-65% < DD <= -70% 0 - 0.00%
 
DD <= -70% 100.00%
 
-70% < DD <= -100% 0 - 0.00%
 
DD <= -100% 100.00%
 
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Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months Ulcer Index
-50.07% Nov 2007 Feb 2009 16 Dec 2012 46 62 20.46
-32.03% Apr 2000 Sep 2002 30 Jan 2004 16 46 16.99
-23.49% Sep 1987 Nov 1987 3 Jan 1989 14 17 11.50
-23.36% Jan 2022 Sep 2022 9 Feb 2024 17 26 11.10
-22.15% Jan 2020 Mar 2020 3 Nov 2020 8 11 9.32
-18.78% Jan 1990 Sep 1990 9 Feb 1991 5 14 9.14
-18.63% May 1998 Aug 1998 4 Jan 1999 5 9 8.42
-13.38% Feb 2018 Dec 2018 11 Oct 2019 10 21 5.01
-12.25% May 2015 Feb 2016 10 Aug 2016 6 16 6.25
-8.05% Feb 1994 Mar 1994 2 May 1995 14 16 4.81
-5.90% Aug 1997 Oct 1997 3 Feb 1998 4 7 3.66
-5.35% Sep 1986 Sep 1986 1 Jan 1987 4 5 3.19
-5.09% Jun 1991 Jun 1991 1 Aug 1991 2 3 2.66
-4.61% Jan 2000 Jan 2000 1 Mar 2000 2 3 2.79
-4.60% Nov 1991 Nov 1991 1 Dec 1991 1 2 2.66
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Drawdown (DD)
Occurrencies (EOM)
Drawdown (DD)
Range #Num Every (Avg) Frequency Cumulative Frequency
All Time High (DD=0%) 159 3.0 Months 33.76%
 
DD = 0% 33.76%
 
0% < DD <= -5% 151 3.1 Months 32.06%
 
DD <= -5% 65.82%
 
-5% < DD <= -10% 54 8.7 Months 11.46%
 
DD <= -10% 77.28%
 
-10% < DD <= -15% 44 10.7 Months 9.34%
 
DD <= -15% 86.62%
 
-15% < DD <= -20% 26 18.1 Months 5.52%
 
DD <= -20% 92.14%
 
-20% < DD <= -25% 16 29.4 Months 3.40%
 
DD <= -25% 95.54%
 
-25% < DD <= -30% 10 47.1 Months 2.12%
 
DD <= -30% 97.66%
 
-30% < DD <= -35% 4 117.8 Months 0.85%
 
DD <= -35% 98.51%
 
-35% < DD <= -40% 3 157.0 Months 0.64%
 
DD <= -40% 99.15%
 
-40% < DD <= -45% 2 235.5 Months 0.42%
 
DD <= -45% 99.58%
 
-45% < DD <= -50% 1 471.0 Months 0.21%
 
DD <= -50% 99.79%
 
-50% < DD <= -55% 1 471.0 Months 0.21%
 
DD <= -55% 100.00%
 
-55% < DD <= -60% 0 - 0.00%
 
DD <= -60% 100.00%
 
-60% < DD <= -65% 0 - 0.00%
 
DD <= -65% 100.00%
 
-65% < DD <= -70% 0 - 0.00%
 
DD <= -70% 100.00%
 
-70% < DD <= -100% 0 - 0.00%
 
DD <= -100% 100.00%
 
Swipe left to see all data
Drawdown period
Recovery period
Total
Drawdown Start Bottom #Months End #Months #Months Ulcer Index
-50.90% Nov 2007 Feb 2009 16 Apr 2013 50 66 22.40
-35.74% Jan 2000 Sep 2002 33 Nov 2004 26 59 18.38
-28.50% Sep 2021 Sep 2022 13 in progress 17 30 16.09
-24.22% Sep 1987 Nov 1987 3 May 1989 18 21 11.99
-22.58% Jan 1990 Sep 1990 9 May 1991 8 17 11.20
-22.01% Jan 2020 Mar 2020 3 Nov 2020 8 11 9.09
-19.23% May 1998 Aug 1998 4 Mar 1999 7 11 8.20
-14.72% Feb 2018 Dec 2018 11 Nov 2019 11 22 6.05
-12.66% May 2015 Feb 2016 10 Dec 2016 10 20 6.19
-9.85% Feb 1994 Jan 1995 12 Jul 1995 6 18 6.02
-6.54% Aug 1997 Oct 1997 3 Feb 1998 4 7 4.18
-5.69% Sep 1986 Sep 1986 1 Jan 1987 4 5 3.65
-5.37% Jun 1991 Jun 1991 1 Aug 1991 2 3 2.86
-5.12% Mar 2005 Apr 2005 2 Jul 2005 3 5 2.69
-5.02% Nov 1991 Nov 1991 1 Dec 1991 1 2 2.90
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Drawdown (DD)
Occurrencies (EOM)
Drawdown (DD)
Range #Num Every (Avg) Frequency Cumulative Frequency
All Time High (DD=0%) 127 3.7 Months 26.96%
 
DD = 0% 26.96%
 
0% < DD <= -5% 125 3.8 Months 26.54%
 
DD <= -5% 53.50%
 
-5% < DD <= -10% 80 5.9 Months 16.99%
 
DD <= -10% 70.49%
 
-10% < DD <= -15% 47 10.0 Months 9.98%
 
DD <= -15% 80.47%
 
-15% < DD <= -20% 40 11.8 Months 8.49%
 
DD <= -20% 88.96%
 
-20% < DD <= -25% 20 23.6 Months 4.25%
 
DD <= -25% 93.21%
 
-25% < DD <= -30% 16 29.4 Months 3.40%
 
DD <= -30% 96.60%
 
-30% < DD <= -35% 5 94.2 Months 1.06%
 
DD <= -35% 97.66%
 
-35% < DD <= -40% 5 94.2 Months 1.06%
 
DD <= -40% 98.73%
 
-40% < DD <= -45% 3 157.0 Months 0.64%
 
DD <= -45% 99.36%
 
-45% < DD <= -50% 2 235.5 Months 0.42%
 
DD <= -50% 99.79%
 
-50% < DD <= -55% 1 471.0 Months 0.21%
 
DD <= -55% 100.00%
 
-55% < DD <= -60% 0 - 0.00%
 
DD <= -60% 100.00%
 
-60% < DD <= -65% 0 - 0.00%
 
DD <= -65% 100.00%
 
-65% < DD <= -70% 0 - 0.00%
 
DD <= -70% 100.00%
 
-70% < DD <= -100% 0 - 0.00%
 
DD <= -100% 100.00%
 

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 90 PORTFOLIO
Annualized Rolling Returns
Annualized Rolling Returns - Inflation Adjusted
Data Source: 1 March 1994 - 29 February 2024 (30 Years)
Data Source: 1 January 1985 - 29 February 2024 (~39 years)
Inflation Adjusted:
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Rolling
Period
Worst Period
15th Percentile
50th Percentile
85th Percentile
Best Period
Latest Negative
Periods
Ann.
Return
From
To
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
From
To
Growth
of 1$
1Y -42.94 03/2008
02/2009
0.57$ -6.80 0.93$ 11.75 1.11$ 22.62 1.22$ 58.27 03/2009
02/2010
1.58$ 15.53 26.07%
2Y -24.07 03/2007
02/2009
0.57$ -2.16 0.95$ 9.93 1.20$ 18.07 1.39$ 38.42 03/2009
02/2011
1.91$ 3.63 19.29%
3Y -12.87 03/2006
02/2009
0.66$ 1.81 1.05$ 9.44 1.31$ 15.28 1.53$ 26.29 04/2003
03/2006
2.01$ 4.36 13.54%
5Y -2.57 03/2004
02/2009
0.87$ 3.24 1.17$ 7.02 1.40$ 13.27 1.86$ 20.84 10/2002
09/2007
2.57$ 8.20 3.32%
7Y 1.15 03/2002
02/2009
1.08$ 5.25 1.43$ 7.80 1.69$ 9.64 1.90$ 13.43 03/2009
02/2016
2.41$ 8.08 0.00%
10Y 1.70 03/1999
02/2009
1.18$ 5.32 1.67$ 8.25 2.21$ 9.70 2.52$ 13.18 03/2009
02/2019
3.44$ 7.37 0.00%
15Y 4.74 03/1994
02/2009
2.00$ 6.31 2.50$ 7.30 2.87$ 8.19 3.25$ 11.50 03/2009
02/2024
5.11$ 11.50 0.00%
20Y 5.16 04/2000
03/2020
2.73$ 6.84 3.75$ 7.77 4.46$ 8.73 5.33$ 9.24 04/2003
03/2023
5.85$ 7.80 0.00%
30Y 8.06 03/1994
02/2024
10.24$ 8.06 10.24$ 8.06 10.24$ 8.06 10.24$ 8.06 03/1994
02/2024
10.24$ 8.06 0.00%
Annualized rolling and percentiles/median returns over full calendar month periods
Swipe left to see all data
Rolling
Period
Worst Period
15th Percentile
50th Percentile
85th Percentile
Best Period
Latest Negative
Periods
Ann.
Return
From
To
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
From
To
Growth
of 1$
1Y -42.95 03/2008
02/2009
0.57$ -9.52 0.90$ 8.72 1.08$ 19.60 1.19$ 54.93 03/2009
02/2010
1.54$ 12.48 30.37%
2Y -25.59 03/2007
02/2009
0.55$ -5.98 0.88$ 7.36 1.15$ 15.15 1.32$ 35.53 03/2009
02/2011
1.83$ -0.67 23.74%
3Y -14.72 03/2006
02/2009
0.62$ -1.49 0.95$ 6.76 1.21$ 12.85 1.43$ 22.87 04/2003
03/2006
1.85$ -1.10 18.46%
5Y -5.07 03/2004
02/2009
0.77$ 0.57 1.02$ 4.94 1.27$ 10.64 1.65$ 17.80 03/2009
02/2014
2.26$ 3.94 11.96%
7Y -1.39 03/2002
02/2009
0.90$ 3.05 1.23$ 5.08 1.41$ 7.53 1.66$ 11.67 03/2009
02/2016
2.16$ 4.46 0.72%
10Y -0.86 03/1999
02/2009
0.91$ 3.44 1.40$ 5.81 1.75$ 7.29 2.02$ 11.22 03/2009
02/2019
2.89$ 4.47 1.24%
15Y 2.18 03/1994
02/2009
1.38$ 3.90 1.77$ 4.96 2.06$ 5.95 2.37$ 8.74 03/2009
02/2024
3.51$ 8.74 0.00%
20Y 3.02 04/2000
03/2020
1.81$ 4.59 2.45$ 5.44 2.88$ 6.19 3.32$ 6.81 10/2001
09/2021
3.73$ 5.11 0.00%
30Y 5.41 03/1994
02/2024
4.85$ 5.41 4.85$ 5.41 4.85$ 5.41 4.85$ 5.41 03/1994
02/2024
4.85$ 5.41 0.00%
Annualized rolling and percentiles/median returns over full calendar month periods
Swipe left to see all data
Rolling
Period
Worst Period
15th Percentile
50th Percentile
85th Percentile
Best Period
Latest Negative
Periods
Ann.
Return
From
To
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
From
To
Growth
of 1$
1Y -42.94 03/2008
02/2009
0.57$ -5.14 0.94$ 12.88 1.12$ 25.29 1.25$ 58.27 03/2009
02/2010
1.58$ 15.53 23.53%
2Y -24.07 03/2007
02/2009
0.57$ 0.48 1.00$ 11.20 1.23$ 18.65 1.40$ 38.42 03/2009
02/2011
1.91$ 3.63 14.54%
3Y -12.87 03/2006
02/2009
0.66$ 3.01 1.09$ 10.99 1.36$ 16.52 1.58$ 26.29 04/2003
03/2006
2.01$ 4.36 10.11%
5Y -2.57 03/2004
02/2009
0.87$ 4.01 1.21$ 9.94 1.60$ 15.27 2.03$ 23.28 01/1985
12/1989
2.84$ 8.20 2.43%
7Y 1.15 03/2002
02/2009
1.08$ 5.69 1.47$ 8.86 1.81$ 14.19 2.53$ 19.59 01/1985
12/1991
3.49$ 8.08 0.00%
10Y 1.70 03/1999
02/2009
1.18$ 6.03 1.79$ 9.04 2.37$ 13.53 3.55$ 16.52 01/1985
12/1994
4.61$ 7.37 0.00%
15Y 4.74 03/1994
02/2009
2.00$ 6.54 2.58$ 8.03 3.18$ 11.21 4.92$ 16.86 01/1985
12/1999
10.35$ 11.50 0.00%
20Y 5.16 04/2000
03/2020
2.73$ 7.34 4.12$ 8.59 5.19$ 11.26 8.45$ 13.32 01/1985
12/2004
12.19$ 7.80 0.00%
30Y 7.64 11/1993
10/2023
9.10$ 8.43 11.32$ 9.32 14.50$ 9.88 16.90$ 11.33 01/1985
12/2014
25.01$ 8.06 0.00%
Annualized rolling and percentiles/median returns over full calendar month periods
Swipe left to see all data
Rolling
Period
Worst Period
15th Percentile
50th Percentile
85th Percentile
Best Period
Latest Negative
Periods
Ann.
Return
From
To
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
Growth
of 1$
Ann.
Return
From
To
Growth
of 1$
1Y -42.95 03/2008
02/2009
0.57$ -7.45 0.92$ 9.72 1.09$ 21.89 1.21$ 54.93 03/2009
02/2010
1.54$ 12.48 27.67%
2Y -25.59 03/2007
02/2009
0.55$ -2.62 0.94$ 7.88 1.16$ 15.61 1.33$ 35.53 03/2009
02/2011
1.83$ -0.67 17.90%
3Y -14.72 03/2006
02/2009
0.62$ 0.22 1.00$ 8.05 1.26$ 13.29 1.45$ 22.87 04/2003
03/2006
1.85$ -1.10 14.25%
5Y -5.07 03/2004
02/2009
0.77$ 1.42 1.07$ 7.54 1.43$ 11.78 1.74$ 18.92 01/1985
12/1989
2.37$ 3.94 8.76%
7Y -1.39 03/2002
02/2009
0.90$ 3.30 1.25$ 6.71 1.57$ 10.49 2.00$ 15.25 10/1990
09/1997
2.70$ 4.46 0.52%
10Y -0.86 03/1999
02/2009
0.91$ 3.98 1.47$ 6.53 1.88$ 10.00 2.59$ 12.71 10/1990
09/2000
3.30$ 4.47 0.85%
15Y 2.18 03/1994
02/2009
1.38$ 4.15 1.83$ 5.66 2.28$ 8.27 3.29$ 13.26 01/1985
12/1999
6.47$ 8.74 0.00%
20Y 3.02 04/2000
03/2020
1.81$ 5.03 2.66$ 5.97 3.18$ 7.95 4.62$ 9.99 01/1985
12/2004
6.71$ 5.11 0.00%
30Y 4.99 11/1993
10/2023
4.31$ 5.82 5.45$ 6.63 6.85$ 7.27 8.20$ 8.38 01/1985
12/2014
11.17$ 5.41 0.00%
Annualized rolling and percentiles/median returns over full calendar month periods

If you need a deeper detail about rolling returns, please refer to the Betterment Robo Advisor 90 Portfolio: Rolling Returns page.

Seasonality

In which months is it better to invest in Betterment Robo Advisor 90 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
0.21
40%
-1.20
40%
-1.68
80%
1.97
80%
-0.16
60%
1.42
80%
2.72
60%
-0.51
40%
-3.33
20%
1.67
60%
5.45
80%
2.73
80%
Best 7.3
2023
3.5
2024
3.0
2021
9.4
2020
4.2
2020
6.2
2019
5.8
2022
4.7
2020
2.4
2019
6.3
2022
11.4
2020
5.4
2023
Worst -3.5
2022
-6.9
2020
-14.6
2020
-6.8
2022
-5.8
2019
-7.6
2022
-0.3
2021
-3.7
2022
-9.1
2022
-3.0
2023
-2.7
2021
-3.8
2022
Monthly Seasonality over the period Feb 1985 - Feb 2024
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
0.99
50%
-0.13
50%
-0.04
70%
1.51
90%
0.32
70%
0.79
70%
2.14
70%
-0.46
60%
-2.01
30%
0.94
60%
3.37
80%
0.66
60%
Best 8.0
2019
5.0
2015
7.5
2016
9.4
2020
4.2
2020
6.2
2019
5.8
2022
4.7
2020
2.4
2019
6.4
2015
11.4
2020
5.4
2023
Worst -4.9
2016
-6.9
2020
-14.6
2020
-6.8
2022
-5.8
2019
-7.6
2022
-1.6
2014
-6.0
2015
-9.1
2022
-7.2
2018
-2.7
2021
-6.9
2018
Monthly Seasonality over the period Feb 1985 - Feb 2024
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
1.11
60%
0.76
63%
0.92
64%
1.96
82%
0.90
64%
0.22
56%
1.34
62%
-0.27
59%
-0.72
49%
0.75
64%
1.70
72%
2.36
74%
Best 11.2
1987
8.5
1991
8.8
2009
11.6
2009
8.6
1990
6.2
2019
8.8
2009
6.7
1986
8.7
2010
10.6
2011
11.4
2020
12.3
1991
Worst -9.7
2009
-9.3
2009
-14.6
2020
-6.8
2022
-8.1
2010
-7.9
2008
-8.7
2002
-14.8
1998
-9.6
2001
-19.0
1987
-6.5
2008
-6.9
2018
Monthly Seasonality over the period Feb 1985 - Feb 2024

Monthly Returns

This section provides a visual/tabular representation of the performance variability in the Betterment Robo Advisor 90 Portfolio over time. It illustrates the distribution of monthly returns, showcasing the range and frequency of positive and negative returns.

BETTERMENT ROBO ADVISOR 90 PORTFOLIO
Monthly Returns Distribution
Data Source: 1 March 1994 - 29 February 2024 (30 Years)
Data Source: 1 January 1985 - 29 February 2024 (~39 years)
223 Positive Months (62%) - 137 Negative Months (38%)
301 Positive Months (64%) - 169 Negative Months (36%)
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Investment Returns, up to December 2013, have been derived using the historical series of equivalent ETFs / Assets, instead of the actual ETFs of the portfolio.
You can find additional information on extended Data Sources here.

In particular, the series derived from equivalent datasets are:
  • VTI - Vanguard Total Stock Market (VTI), up to December 2001
  • VEA - Vanguard FTSE Developed Markets (VEA), up to December 2007
  • EEM - iShares MSCI Emerging Markets (EEM), up to December 2003
  • VTV - Vanguard Value (VTV), up to December 2004
  • VOE - Vanguard Mid-Cap Value (VOE), up to December 2006
  • IJS - iShares S&P Small-Cap 600 Value (IJS), up to December 2000
  • BND - Vanguard Total Bond Market (BND), up to December 2007
  • BNDX - Vanguard Total International Bond (BNDX), up to December 2013
  • EMB - iShares JP Morgan USD Em Mkts Bd (EMB), up to December 2007
  • TIP - iShares TIPS Bond (TIP), up to December 2003
  • BIL - SPDR Blmbg Barclays 1-3 Mth T-Bill (BIL), up to December 2007

Portfolio efficiency

The following portfolios granted a higher return over 30 Years and a less severe drawdown at the same time.

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30 Years Stats (%)
% Allocation
Portfolio Author Return Dev.Std Drawdown Stocks Bonds Comm
US Stocks Quality +11.77 15.08 -46.25 100 0 0
Stocks/Bonds 80/20 Momentum +11.32 12.42 -43.61 80 20 0
Warren Buffett Portfolio Warren Buffett +9.85 13.66 -45.52 90 10 0
Stocks/Bonds 60/40 Momentum +9.77 9.60 -32.52 60 40 0
US Stocks Minimum Volatility +9.77 13.71 -43.27 100 0 0
Stocks/Bonds 80/20 +9.29 12.51 -41.09 80 20 0
Simple Path to Wealth JL Collins +9.04 11.77 -38.53 75 25 0
Robust Alpha Architect +8.91 11.10 -44.20 70 20 10
Shield Strategy Aim Ways +8.74 8.84 -19.36 42 38 20
Dedalo Four Dedalo Invest +8.47 12.42 -43.94 80 20 0
Edge Select Aggressive Merrill Lynch +8.37 13.26 -45.65 84 16 0
Mid-Fifties Burton Malkiel +8.30 12.98 -46.21 80 20 0
Second Grader's Starter Paul Farrell +8.26 13.87 -48.52 90 10 0
Dedalo Eleven Dedalo Invest +8.24 12.74 -44.63 80 20 0
Late Thirties to Early Forties Burton Malkiel +8.22 13.59 -48.28 85 15 0
Stocks/Bonds 60/40 +8.22 9.62 -30.55 60 40 0
Sheltered Sam 80/20 Bill Bernstein +8.21 12.20 -45.06 77.6 20 2.4
Talmud Portfolio Roger Gibson +8.20 10.85 -40.17 66.7 33.3 0
Late Sixties and Beyond Burton Malkiel +8.20 11.68 -41.80 71 29 0
Mid-Twenties Burton Malkiel +8.11 13.92 -49.50 87 13 0
Weird Portfolio Value Stock Geek +8.09 10.84 -32.97 60 20 20
Robo Advisor 90 Betterment +8.06 14.44 -50.07 90.1 9.9 0

Here's a list containing the Best Classic Portfolios, with the highest returns over 30 Years and Very High Risk categorization.

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30 Years Stats (%)
% Allocation
Portfolio Author Return Dev.Std Drawdown Stocks Bonds Comm
Technology +13.98 24.02 -81.08 100 0 0
US Stocks Momentum +12.68 15.38 -53.85 100 0 0
US Stocks Quality +11.77 15.08 -46.25 100 0 0
Stocks/Bonds 80/20 Momentum +11.32 12.42 -43.61 80 20 0
US Stocks +10.22 15.55 -50.84 100 0 0
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