DFA Dimensional 2030 Retirement Income Portfolio vs Betterment Robo Advisor 50 Value Tilt Portfolio Portfolio Comparison

Simulation Settings
Period: January 1985 - July 2025 (~41 years)
Consolidated Returns as of 31 July 2025
Initial Amount: 1$
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
30 Years
(1995/08 - 2025/07)
All Data
(1985/01 - 2025/07)
Inflation Adjusted:
DFA Dimensional 2030 Retirement Income Portfolio
1.00$
Invested Capital
August 1995
8.73$
Final Capital
July 2025
7.49%
Yearly Return
9.21%
Std Deviation
-31.78%
Max Drawdown
36months
Recovery Period
1.00$
Invested Capital
August 1995
4.14$
Final Capital
July 2025
4.85%
Yearly Return
9.21%
Std Deviation
-32.91%
Max Drawdown
40months
Recovery Period
1.00$
Invested Capital
January 1985
36.44$
Final Capital
July 2025
9.26%
Yearly Return
9.43%
Std Deviation
-31.78%
Max Drawdown
36months
Recovery Period
1.00$
Invested Capital
January 1985
11.95$
Final Capital
July 2025
6.30%
Yearly Return
9.43%
Std Deviation
-32.91%
Max Drawdown
40months
Recovery Period
Betterment Robo Advisor 50 Value Tilt Portfolio
1.00$
Invested Capital
August 1995
8.53$
Final Capital
July 2025
7.41%
Yearly Return
9.28%
Std Deviation
-30.72%
Max Drawdown
30months
Recovery Period
1.00$
Invested Capital
August 1995
4.05$
Final Capital
July 2025
4.77%
Yearly Return
9.28%
Std Deviation
-31.87%
Max Drawdown
36months
Recovery Period
1.00$
Invested Capital
January 1985
35.70$
Final Capital
July 2025
9.21%
Yearly Return
9.43%
Std Deviation
-30.72%
Max Drawdown
30months
Recovery Period
1.00$
Invested Capital
January 1985
11.71$
Final Capital
July 2025
6.25%
Yearly Return
9.43%
Std Deviation
-31.87%
Max Drawdown
36months
Recovery Period

As of July 2025, in the previous 30 Years, the DFA Dimensional 2030 Retirement Income Portfolio obtained a 7.49% compound annual return, with a 9.21% standard deviation. It suffered a maximum drawdown of -31.78% that required 36 months to be recovered.

As of July 2025, in the previous 30 Years, the Betterment Robo Advisor 50 Value Tilt Portfolio obtained a 7.41% compound annual return, with a 9.28% standard deviation. It suffered a maximum drawdown of -30.72% that required 30 months to be recovered.

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.
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Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

DFA Dimensional 2030 Retirement Income Portfolio
Weight
(%)		 Ticker Name
17.50
VTI
Vanguard Total Stock Market
17.50
VV
Vanguard Large-Cap
10.50
VEA
Vanguard FTSE Developed Markets
5.20
EEM
iShares MSCI Emerging Markets
5.20
VEU
Vanguard FTSE All-World ex-US
31.90
TIP
iShares TIPS Bond
6.10
BSV
Vanguard Short-Term Bond
6.10
BNDX
Vanguard Total International Bond
Betterment Robo Advisor 50 Value Tilt Portfolio
Weight
(%)		 Ticker Name
16.20
VTI
Vanguard Total Stock Market
13.70
EFA
iShares MSCI EAFE
9.00
EEM
iShares MSCI Emerging Markets
4.40
VTV
Vanguard Value
3.60
VOE
Vanguard Mid-Cap Value
3.00
IJS
iShares S&P Small-Cap 600 Value
18.40
BNDX
Vanguard Total International Bond
14.70
BND
Vanguard Total Bond Market
10.70
EMB
iShares JP Morgan USD Em Mkts Bd
6.30
TIP
iShares TIPS Bond
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Portfolio Returns as of Jul 31, 2025

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
(1995/08 - 2025/07)
All Data
(1985/01 - 2025/07)
Inflation Adjusted:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
DFA Dimensional 2030 Retirement Income
DFA 		1 $ 8.73 $ 772.83% 7.49%
Betterment Robo Advisor 50 Value Tilt
Betterment 		1 $ 8.53 $ 753.22% 7.41%
Aug 1995 Jul 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
DFA Dimensional 2030 Retirement Income
DFA 		1 $ 4.14 $ 314.18% 4.85%
Betterment Robo Advisor 50 Value Tilt
Betterment 		1 $ 4.05 $ 304.88% 4.77%
Aug 1995 Jul 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
DFA Dimensional 2030 Retirement Income
DFA 		1 $ 36.44 $ 3 543.59% 9.26%
Betterment Robo Advisor 50 Value Tilt
Betterment 		1 $ 35.70 $ 3 470.01% 9.21%
Jan 1985 Jul 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
DFA Dimensional 2030 Retirement Income
DFA 		1 $ 11.95 $ 1 095.33% 6.30%
Betterment Robo Advisor 50 Value Tilt
Betterment 		1 $ 11.71 $ 1 071.19% 6.25%
Jan 1985 Jul 2025

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Return (%) as of Jul 31, 2025
YTD
(7M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~41Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_dfa.webp Dimensional 2030 Retirement Income
DFA 		8.58 0.61 6.15 10.78 7.58 7.09 7.49 9.26
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_betterment.webp Robo Advisor 50 Value Tilt
Betterment 		7.47 0.23 5.28 8.62 5.71 5.70 7.41 9.21
Returns over 1 year are annualized.
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Portfolio Metrics as of Jul 31, 2025

The following metrics, updated as of 31 July 2025, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
Period: 1 August 2024 - 31 July 2025 (1 year)
Period: 1 August 2020 - 31 July 2025 (5 years)
Period: 1 August 2015 - 31 July 2025 (10 years)
Period: 1 August 1995 - 31 July 2025 (30 years)
Period: 1 January 1985 - 31 July 2025 (~41 years)
1 Year
5 Years
10 Years
30 Years
All (1985/01 - 2025/07)
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Dimensional 2030 Retirement Income Robo Advisor 50 Value Tilt
Author DFA Betterment
ASSET ALLOCATION
Stocks 55.9% 49.9%
Fixed Income 44.1% 50.1%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.78 8.62
Infl. Adjusted (%) 8.01 5.90
DRAWDOWN
Deepest Drawdown Depth (%) -2.20 -2.63
Start to Recovery (months) 2 3
Longest Drawdown Depth (%) -1.75 -2.63
Start to Recovery (months) 3 3
Longest Negative Period (months) 6 7
RISK INDICATORS
Standard Deviation (%) 6.33 6.23
Sharpe Ratio 0.99 0.66
Sortino Ratio 1.27 0.83
Ulcer Index 0.99 1.09
Ratio: Return / Standard Deviation 1.70 1.39
Ratio: Return / Deepest Drawdown 4.91 3.27
Metrics calculated over the period 1 August 2024 - 31 July 2025
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Dimensional 2030 Retirement Income Robo Advisor 50 Value Tilt
Author DFA Betterment
ASSET ALLOCATION
Stocks 55.9% 49.9%
Fixed Income 44.1% 50.1%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.58 5.71
Infl. Adjusted (%) 2.98 1.19
DRAWDOWN
Deepest Drawdown Depth (%) -20.34 -20.25
Start to Recovery (months) 27 31
Longest Drawdown Depth (%) -20.34 -20.25
Start to Recovery (months) 27 31
Longest Negative Period (months) 34 36
RISK INDICATORS
Standard Deviation (%) 10.32 10.08
Sharpe Ratio 0.47 0.29
Sortino Ratio 0.63 0.40
Ulcer Index 7.20 7.34
Ratio: Return / Standard Deviation 0.73 0.57
Ratio: Return / Deepest Drawdown 0.37 0.28
Metrics calculated over the period 1 August 2020 - 31 July 2025
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Dimensional 2030 Retirement Income Robo Advisor 50 Value Tilt
Author DFA Betterment
ASSET ALLOCATION
Stocks 55.9% 49.9%
Fixed Income 44.1% 50.1%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.09 5.70
Infl. Adjusted (%) 3.92 2.57
DRAWDOWN
Deepest Drawdown Depth (%) -20.34 -20.25
Start to Recovery (months) 27 31
Longest Drawdown Depth (%) -20.34 -20.25
Start to Recovery (months) 27 31
Longest Negative Period (months) 34 39
RISK INDICATORS
Standard Deviation (%) 9.48 9.30
Sharpe Ratio 0.55 0.41
Sortino Ratio 0.73 0.55
Ulcer Index 5.50 5.67
Ratio: Return / Standard Deviation 0.75 0.61
Ratio: Return / Deepest Drawdown 0.35 0.28
Metrics calculated over the period 1 August 2015 - 31 July 2025
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Dimensional 2030 Retirement Income Robo Advisor 50 Value Tilt
Author DFA Betterment
ASSET ALLOCATION
Stocks 55.9% 49.9%
Fixed Income 44.1% 50.1%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.49 7.41
Infl. Adjusted (%) 4.85 4.77
DRAWDOWN
Deepest Drawdown Depth (%) -31.78 -30.72
Start to Recovery (months) 36 30
Longest Drawdown Depth (%) -15.10 -20.25
Start to Recovery (months) 38 31
Longest Negative Period (months) 60 51
RISK INDICATORS
Standard Deviation (%) 9.21 9.28
Sharpe Ratio 0.57 0.55
Sortino Ratio 0.74 0.72
Ulcer Index 6.19 5.69
Ratio: Return / Standard Deviation 0.81 0.80
Ratio: Return / Deepest Drawdown 0.24 0.24
Metrics calculated over the period 1 August 1995 - 31 July 2025
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Dimensional 2030 Retirement Income Robo Advisor 50 Value Tilt
Author DFA Betterment
ASSET ALLOCATION
Stocks 55.9% 49.9%
Fixed Income 44.1% 50.1%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.26 9.21
Infl. Adjusted (%) 6.30 6.25
DRAWDOWN
Deepest Drawdown Depth (%) -31.78 -30.72
Start to Recovery (months) 36 30
Longest Drawdown Depth (%) -15.10 -20.25
Start to Recovery (months) 38 31
Longest Negative Period (months) 60 51
RISK INDICATORS
Standard Deviation (%) 9.43 9.43
Sharpe Ratio 0.65 0.64
Sortino Ratio 0.85 0.84
Ulcer Index 5.63 5.23
Ratio: Return / Standard Deviation 0.98 0.98
Ratio: Return / Deepest Drawdown 0.29 0.30
Metrics calculated over the period 1 January 1985 - 31 July 2025
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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 August 1995 - 31 July 2025 (30 years)
Period: 1 January 1985 - 31 July 2025 (~41 years)
30 Years
(1995/08 - 2025/07)

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Dimensional 2030 Retirement Income Robo Advisor 50 Value Tilt
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-31.78 36 Nov 2007
Oct 2010
-30.72 30 Nov 2007
Apr 2010
-20.34 27 Jan 2022
Mar 2024
-20.25 31 Jan 2022
Jul 2024
-15.10 38 Sep 2000
Oct 2003
-13.31 8 Jan 2020
Aug 2020
-12.79 8 May 1998
Dec 1998
-11.58 6 Feb 2020
Jul 2020
-10.86 13 May 2002
May 2003
-9.50 9 May 2011
Jan 2012
-9.49 10 May 2011
Feb 2012
-8.54 14 Feb 2001
Mar 2002
-8.22 5 Jul 1998
Nov 1998
-7.57 14 Feb 2018
Mar 2019
-7.45 15 Feb 2018
Apr 2019

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Dimensional 2030 Retirement Income Robo Advisor 50 Value Tilt
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-31.78 36 Nov 2007
Oct 2010
-30.72 30 Nov 2007
Apr 2010
-20.34 27 Jan 2022
Mar 2024
-20.25 31 Jan 2022
Jul 2024
-15.36 16 Sep 1987
Dec 1988
-15.10 38 Sep 2000
Oct 2003
-14.26 14 Sep 1987
Oct 1988
-13.31 8 Jan 2020
Aug 2020
-12.79 8 May 1998
Dec 1998
-11.61 7 Aug 1990
Feb 1991
-11.58 6 Feb 2020
Jul 2020
-10.86 13 May 2002
May 2003
-10.69 7 Aug 1990
Feb 1991
-9.50 9 May 2011
Jan 2012
-9.49 10 May 2011
Feb 2012

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 - 31 July 2025 (~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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Dimensional 2030 Retirement Income Robo Advisor 50 Value Tilt
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 8.58 -1.75 7.47 -1.48
2024
 10.52 -2.68 7.90 -2.71
2023
 14.37 -6.81 12.46 -7.30
2022
 -15.68 -20.34 -14.79 -20.25
2021
 12.36 -2.79 7.95 -2.64
2020
 13.87 -11.58 9.50 -13.31
2019
 18.74 -2.99 17.41 -2.78
2018
 -4.97 -7.57 -5.36 -7.45
2017
 14.85 0.00 14.19 0.00
2016
 7.26 -2.45 8.00 -2.25
2015
 -1.32 -6.97 -1.55 -6.85
2014
 5.23 -2.58 5.47 -2.43
2013
 11.66 -3.78 10.19 -3.88
2012
 12.36 -4.05 13.19 -4.36
2011
 2.36 -9.50 1.17 -9.49
2010
 10.90 -6.53 11.61 -5.51
2009
 22.15 -11.27 23.06 -11.58
2008
 -21.57 -25.38 -19.44 -24.47
2007
 10.20 -1.97 8.19 -2.74
2006
 11.79 -2.25 13.22 -2.76
2005
 7.33 -2.02 9.54 -2.36
2004
 11.75 -3.31 12.75 -3.66
2003
 22.57 -1.69 24.96 -1.03
2002
 -4.09 -9.28 -2.56 -10.86
2001
 -3.94 -11.17 1.49 -8.54
2000
 -0.49 -5.91 1.53 -4.79
1999
 15.39 -2.49 17.87 -2.47
1998
 15.08 -8.22 8.83 -12.79
1997
 14.36 -4.20 10.06 -3.98
1996
 10.23 -2.48 13.19 -1.81
1995
 22.89 -0.22 20.93 -0.56
1994
 -1.78 -6.92 -3.66 -7.31
1993
 19.97 -2.72 24.85 -2.42
1992
 3.96 -4.06 5.53 -2.73
1991
 26.29 -3.29 30.42 -3.25
1990
 -2.02 -10.69 -2.59 -11.61
1989
 23.94 -0.66 24.37 -1.05
1988
 14.85 -2.75 16.22 -2.20
1987
 4.04 -15.36 0.64 -14.26
1986
 23.82 -4.63 21.70 -4.04
1985
 31.63 -1.43 30.70 -1.22
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