Betterment Robo Advisor 0 Portfolio vs US Inflation Protection Portfolio Portfolio Comparison

Simulation Settings
Period: January 1985 - May 2025 (~40 years)
Consolidated Returns as of 31 May 2025
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
30 Years
All (since January 1985)
Inflation Adjusted:
Betterment Robo Advisor 0 Portfolio
1.00$
Initial Capital
June 1995
2.51$
Final Capital
May 2025
3.12%
Yearly Return
1.77%
Std Deviation
-5.86%
Max Drawdown
35months
Recovery Period
1.00$
Initial Capital
June 1995
1.19$
Final Capital
May 2025
0.59%
Yearly Return
1.77%
Std Deviation
-21.91%
Max Drawdown
177months*
Recovery Period
* in progress
1.00$
Initial Capital
January 1985
5.82$
Final Capital
May 2025
4.46%
Yearly Return
2.11%
Std Deviation
-5.86%
Max Drawdown
35months
Recovery Period
1.00$
Initial Capital
January 1985
1.92$
Final Capital
May 2025
1.62%
Yearly Return
2.11%
Std Deviation
-21.91%
Max Drawdown
177months*
Recovery Period
* in progress
US Inflation Protection Portfolio
1.00$
Initial Capital
June 1995
4.29$
Final Capital
May 2025
4.97%
Yearly Return
5.86%
Std Deviation
-14.76%
Max Drawdown
41months*
Recovery Period
* in progress
1.00$
Initial Capital
June 1995
2.03$
Final Capital
May 2025
2.39%
Yearly Return
5.86%
Std Deviation
-23.54%
Max Drawdown
46months*
Recovery Period
* in progress
1.00$
Initial Capital
January 1985
13.40$
Final Capital
May 2025
6.63%
Yearly Return
6.57%
Std Deviation
-14.76%
Max Drawdown
41months*
Recovery Period
* in progress
1.00$
Initial Capital
January 1985
4.41$
Final Capital
May 2025
3.74%
Yearly Return
6.57%
Std Deviation
-23.54%
Max Drawdown
46months*
Recovery Period
* in progress

As of May 2025, in the previous 30 Years, the Betterment Robo Advisor 0 Portfolio obtained a 3.12% compound annual return, with a 1.77% standard deviation. It suffered a maximum drawdown of -5.86% that required 35 months to be recovered.

As of May 2025, in the previous 30 Years, the US Inflation Protection Portfolio obtained a 4.97% compound annual return, with a 5.86% standard deviation. It suffered a maximum drawdown of -14.76% which has been ongoing for 41 months and is still in progress.

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.

Betterment Robo Advisor 0 Portfolio
Weight
(%)		 Ticker Name
80.00
SHY
iShares 1-3 Year Treasury Bond
20.00
BSV
Vanguard Short-Term Bond
US Inflation Protection Portfolio
Weight
(%)		 Ticker Name
100.00
TIP
iShares TIPS Bond
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Portfolio Returns as of May 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
Period: 1 January 1985 - 31 May 2025 (~40 years)
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Return (%) as of May 31, 2025
YTD
(5M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~40Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_betterment.webp Robo Advisor 0
Betterment 		2.23 -0.25 2.43 5.69 1.06 1.47 3.12 4.46
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp US Inflation Protection
-- Market Benchmark 		3.73 -0.63 1.95 5.47 1.08 2.17 4.97 6.63
Return over 1 year are annualized.
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Capital Growth as of May 31, 2025

Betterment Robo Advisor 0 Portfolio: an investment of 1$, since June 1995, now would be worth 2.51$, with a total return of 151.14% (3.12% annualized).

US Inflation Protection Portfolio: an investment of 1$, since June 1995, now would be worth 4.29$, with a total return of 328.77% (4.97% annualized).


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Betterment Robo Advisor 0 Portfolio: an investment of 1$, since January 1985, now would be worth 5.82$, with a total return of 482.38% (4.46% annualized).

US Inflation Protection Portfolio: an investment of 1$, since January 1985, now would be worth 13.40$, with a total return of 1240.36% (6.63% annualized).


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Portfolio Metrics as of May 31, 2025

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

METRIC COMPARISON
Period: 1 June 2024 - 31 May 2025 (1 year)
Period: 1 June 2020 - 31 May 2025 (5 years)
Period: 1 June 2015 - 31 May 2025 (10 years)
Period: 1 June 1995 - 31 May 2025 (30 years)
Period: 1 January 1985 - 31 May 2025 (~40 years)
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Robo Advisor 0 US Inflation Protection
Author Betterment
ASSET ALLOCATION
Stocks 0% 0%
Fixed Income 100% 100%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.69 5.47
Infl. Adjusted Return (%) 3.24 3.02
DRAWDOWN
Deepest Drawdown Depth (%) -0.71 -3.05
Start to Recovery (months) 4 5
Longest Drawdown Depth (%) -0.71 -3.05
Start to Recovery (months) 4 5
Longest Negative Period (months) 3 5
RISK INDICATORS
Standard Deviation (%) 1.78 4.24
Sharpe Ratio 0.55 0.18
Sortino Ratio 0.70 0.23
Ulcer Index 0.24 1.17
Ratio: Return / Standard Deviation 3.19 1.29
Ratio: Return / Deepest Drawdown 8.01 1.79
Metrics calculated over the period 1 June 2024 - 31 May 2025
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Robo Advisor 0 US Inflation Protection
Author Betterment
ASSET ALLOCATION
Stocks 0% 0%
Fixed Income 100% 100%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 1.06 1.08
Infl. Adjusted Return (%) -3.40 -3.38
DRAWDOWN
Deepest Drawdown Depth (%) -5.86 -14.76
Start to Recovery (months) 35 41*
Longest Drawdown Depth (%) -5.86 -14.76
Start to Recovery (months) 35 41*
Longest Negative Period (months) 48 54
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 2.15 6.30
Sharpe Ratio -0.72 -0.24
Sortino Ratio -1.02 -0.32
Ulcer Index 2.48 7.97
Ratio: Return / Standard Deviation 0.49 0.17
Ratio: Return / Deepest Drawdown 0.18 0.07
Metrics calculated over the period 1 June 2020 - 31 May 2025
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Robo Advisor 0 US Inflation Protection
Author Betterment
ASSET ALLOCATION
Stocks 0% 0%
Fixed Income 100% 100%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 1.47 2.17
Infl. Adjusted Return (%) -1.56 -0.87
DRAWDOWN
Deepest Drawdown Depth (%) -5.86 -14.76
Start to Recovery (months) 35 41*
Longest Drawdown Depth (%) -5.86 -14.76
Start to Recovery (months) 35 41*
Longest Negative Period (months) 49 54
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 1.73 5.13
Sharpe Ratio -0.19 0.07
Sortino Ratio -0.27 0.10
Ulcer Index 1.78 5.72
Ratio: Return / Standard Deviation 0.85 0.42
Ratio: Return / Deepest Drawdown 0.25 0.15
Metrics calculated over the period 1 June 2015 - 31 May 2025
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Robo Advisor 0 US Inflation Protection
Author Betterment
ASSET ALLOCATION
Stocks 0% 0%
Fixed Income 100% 100%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 3.12 4.97
Infl. Adjusted Return (%) 0.59 2.39
DRAWDOWN
Deepest Drawdown Depth (%) -5.86 -14.76
Start to Recovery (months) 35 41*
Longest Drawdown Depth (%) -5.86 -9.24
Start to Recovery (months) 35 76
Longest Negative Period (months) 49 77
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 1.77 5.86
Sharpe Ratio 0.48 0.46
Sortino Ratio 0.71 0.62
Ulcer Index 1.06 4.22
Ratio: Return / Standard Deviation 1.76 0.85
Ratio: Return / Deepest Drawdown 0.53 0.34
Metrics calculated over the period 1 June 1995 - 31 May 2025
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Robo Advisor 0 US Inflation Protection
Author Betterment
ASSET ALLOCATION
Stocks 0% 0%
Fixed Income 100% 100%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 4.46 6.63
Infl. Adjusted Return (%) 1.62 3.74
DRAWDOWN
Deepest Drawdown Depth (%) -5.86 -14.76
Start to Recovery (months) 35 41*
Longest Drawdown Depth (%) -5.86 -9.24
Start to Recovery (months) 35 76
Longest Negative Period (months) 49 77
Drawdowns / Negative periods marked with * are in progress
RISK INDICATORS
Standard Deviation (%) 2.11 6.57
Sharpe Ratio 0.61 0.53
Sortino Ratio 0.93 0.74
Ulcer Index 0.95 4.02
Ratio: Return / Standard Deviation 2.11 1.01
Ratio: Return / Deepest Drawdown 0.76 0.45
Metrics calculated over the period 1 January 1985 - 31 May 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 June 1995 - 31 May 2025 (30 years)
Period: 1 January 1985 - 31 May 2025 (~40 years)

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Robo Advisor 0 US Inflation Protection
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-14.76 41* Jan 2022
In progress
-11.79 13 Sep 2008
Sep 2009
-9.24 76 Dec 2012
Mar 2019
-6.47 9 Feb 1996
Oct 1996
-5.86 35 Aug 2021
Jun 2024
-5.32 14 Feb 1999
Mar 2000
-5.32 7 Jun 2003
Dec 2003
-4.82 5 Apr 2004
Aug 2004
-4.37 7 Dec 1996
Jun 1997
-3.37 6 Nov 2001
Apr 2002
-3.05 6 Nov 2010
Apr 2011
-2.75 3 Oct 2002
Dec 2002
-2.60 12 Sep 2005
Aug 2006
-2.47 2 Jul 2005
Aug 2005
-2.30 4 Dec 2006
Mar 2007

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Robo Advisor 0 US Inflation Protection
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-14.76 41* Jan 2022
In progress
-11.79 13 Sep 2008
Sep 2009
-10.68 16 Feb 1994
May 1995
-9.45 11 Mar 1987
Jan 1988
-9.24 76 Dec 2012
Mar 2019
-6.47 9 Feb 1996
Oct 1996
-5.86 35 Aug 2021
Jun 2024
-5.32 14 Feb 1999
Mar 2000
-5.32 7 Jun 2003
Dec 2003
-4.82 5 Apr 2004
Aug 2004
-4.70 7 Mar 1988
Sep 1988
-4.42 7 Dec 1989
Jun 1990
-4.37 7 Dec 1996
Jun 1997
-4.18 2 May 1986
Jun 1986
-3.82 6 Jan 1992
Jun 1992

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 May 2025 (~40 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 0 US Inflation Protection
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 2.23 -0.25 3.73 -0.63
2024
 3.89 -0.71 1.65 -3.05
2023
 4.16 -1.03 3.27 -5.35
2022
 -4.20 -5.09 -13.10 -14.74
2021
 -0.79 -0.81 5.67 -1.95
2020
 3.37 -0.09 10.84 -1.76
2019
 3.70 -0.16 8.35 -1.14
2018
 1.44 -0.46 -1.42 -2.47
2017
 0.45 -0.54 2.92 -0.91
2016
 0.92 -0.77 4.68 -2.64
2015
 0.53 -0.54 -1.75 -4.83
2014
 0.63 -0.29 3.59 -2.59
2013
 0.20 -0.40 -8.49 -9.10
2012
 0.55 -0.21 6.39 -1.43
2011
 1.74 -0.27 13.28 -0.01
2010
 2.60 -0.49 6.14 -3.05
2009
 0.59 -0.88 8.94 -2.24
2008
 6.99 -1.21 0.04 -11.79
2007
 7.05 -0.10 11.92 -1.52
2006
 4.11 0.00 0.28 -2.37
2005
 1.66 -0.35 2.49 -2.47
2004
 0.95 -1.13 8.28 -4.82
2003
 2.62 -0.63 8.00 -5.32
2002
 7.46 -0.78 16.61 -2.75
2001
 7.87 -1.01 7.61 -3.37
2000
 8.70 -0.14 17.65 -0.84
1999
 2.14 -0.84 -4.47 -5.32
1998
 7.20 -0.06 9.27 -0.76
1997
 6.60 -0.20 12.71 -2.48
1996
 4.47 -1.05 1.33 -6.47
1995
 12.23 0.00 23.02 -0.42
1994
 -0.40 -2.22 -6.25 -10.68
1993
 6.46 -0.42 15.75 -1.45
1992
 6.84 -1.23 8.74 -3.82
1991
 11.81 0.00 18.60 -0.30
1990
 9.78 -0.10 8.20 -4.32
1989
 11.47 -0.94 15.77 -2.48
1988
 5.93 -0.32 6.51 -4.70
1987
 4.72 -1.07 -0.24 -9.45
1986
 10.57 -0.34 18.39 -4.18
1985
 14.05 -0.52 26.04 -3.65
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