Betterment Robo Advisor 0 Portfolio vs US Stocks Portfolio Portfolio Comparison

Simulation Settings
Period: January 1871 - June 2025 (~155 years)
Consolidated Returns as of 30 June 2025
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 June 2025.
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Results
30 Years
(1995/07 - 2025/06)
All Data
(1871/01 - 2025/06)
Inflation Adjusted:
Betterment Robo Advisor 0 Portfolio
1.00$
Invested Capital
July 1995
2.51$
Final Capital
June 2025
3.12%
Yearly Return
1.77%
Std Deviation
-5.86%
Max Drawdown
35months
Recovery Period
1.00$
Invested Capital
July 1995
1.19$
Final Capital
June 2025
0.58%
Yearly Return
1.77%
Std Deviation
-21.91%
Max Drawdown
178months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1871
830.96$
Final Capital
June 2025
4.45%
Yearly Return
3.52%
Std Deviation
-8.48%
Max Drawdown
13months
Recovery Period
1.00$
Invested Capital
January 1871
32.24$
Final Capital
June 2025
2.27%
Yearly Return
3.52%
Std Deviation
-45.36%
Max Drawdown
154months
Recovery Period
US Stocks Portfolio
1.00$
Invested Capital
July 1995
19.25$
Final Capital
June 2025
10.36%
Yearly Return
15.66%
Std Deviation
-50.84%
Max Drawdown
53months
Recovery Period
1.00$
Invested Capital
July 1995
9.12$
Final Capital
June 2025
7.65%
Yearly Return
15.66%
Std Deviation
-51.65%
Max Drawdown
63months
Recovery Period
1.00$
Invested Capital
January 1871
812.33 K$
Final Capital
June 2025
9.21%
Yearly Return
16.56%
Std Deviation
-84.60%
Max Drawdown
184months
Recovery Period
1.00$
Invested Capital
January 1871
31.52 K$
Final Capital
June 2025
6.93%
Yearly Return
16.56%
Std Deviation
-80.55%
Max Drawdown
90months
Recovery Period

As of June 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 June 2025, in the previous 30 Years, the US Stocks Portfolio obtained a 10.36% compound annual return, with a 15.66% standard deviation. It suffered a maximum drawdown of -50.84% that required 53 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.

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 Stocks Portfolio
Weight
(%)		 Ticker Name
100.00
VTI
Vanguard Total Stock Market
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Portfolio Returns as of Jun 30, 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
(1995/07 - 2025/06)
All Data
(1871/01 - 2025/06)
Inflation Adjusted:
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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 0
Betterment 		1 $ 2.51 $ 151.23% 3.12%
US Stocks
 1 $ 19.25 $ 1 824.60% 10.36%
Jul 1995 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 0
Betterment 		1 $ 1.19 $ 19.06% 0.58%
US Stocks
 1 $ 9.12 $ 812.08% 7.65%
Jul 1995 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 0
Betterment 		1 $ 830.96 $ 82 995.51% 4.45%
US Stocks
 1 $ 812 328.66 $ 81 232 766.30% 9.21%
Jan 1871 Jun 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 0
Betterment 		1 $ 32.24 $ 3 124.39% 2.27%
US Stocks
 1 $ 31 521.10 $ 3 152 010.42% 6.93%
Jan 1871 Jun 2025

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Return (%) as of Jun 30, 2025
YTD
(6M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~155Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_betterment.webp Robo Advisor 0
Betterment 		2.87 0.62 2.87 5.75 1.17 1.53 3.12 4.45
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_us_author.webp US Stocks
-- Market Benchmark 		5.56 5.16 5.56 15.08 15.87 12.90 10.36 9.21
Returns over 1 year are annualized.
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Portfolio Metrics as of Jun 30, 2025

The following metrics, updated as of 30 June 2025, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
Period: 1 July 2024 - 30 June 2025 (1 year)
Period: 1 July 2020 - 30 June 2025 (5 years)
Period: 1 July 2015 - 30 June 2025 (10 years)
Period: 1 July 1995 - 30 June 2025 (30 years)
Period: 1 January 1871 - 30 June 2025 (~155 years)
1 Year
5 Years
10 Years
30 Years
All (1871/01 - 2025/06)
Swipe left to see all data
Robo Advisor 0 US Stocks
Author Betterment
ASSET ALLOCATION
Stocks 0% 100%
Fixed Income 100% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.75 15.08
Infl. Adjusted (%) 2.94 12.03
DRAWDOWN
Deepest Drawdown Depth (%) -0.71 -8.40
Start to Recovery (months) 4 7
Longest Drawdown Depth (%) -0.71 -8.40
Start to Recovery (months) 4 7
Longest Negative Period (months) 3 8
RISK INDICATORS
Standard Deviation (%) 1.79 12.72
Sharpe Ratio 0.62 0.82
Sortino Ratio 0.78 1.12
Ulcer Index 0.24 3.41
Ratio: Return / Standard Deviation 3.22 1.19
Ratio: Return / Deepest Drawdown 8.10 1.79
Metrics calculated over the period 1 July 2024 - 30 June 2025
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Robo Advisor 0 US Stocks
Author Betterment
ASSET ALLOCATION
Stocks 0% 100%
Fixed Income 100% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 1.17 15.87
Infl. Adjusted (%) -3.26 10.79
DRAWDOWN
Deepest Drawdown Depth (%) -5.86 -24.81
Start to Recovery (months) 35 24
Longest Drawdown Depth (%) -5.86 -24.81
Start to Recovery (months) 35 24
Longest Negative Period (months) 47 30
RISK INDICATORS
Standard Deviation (%) 2.16 16.49
Sharpe Ratio -0.70 0.80
Sortino Ratio -0.98 1.08
Ulcer Index 2.48 8.64
Ratio: Return / Standard Deviation 0.54 0.96
Ratio: Return / Deepest Drawdown 0.20 0.64
Metrics calculated over the period 1 July 2020 - 30 June 2025
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Robo Advisor 0 US Stocks
Author Betterment
ASSET ALLOCATION
Stocks 0% 100%
Fixed Income 100% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 1.53 12.90
Infl. Adjusted (%) -1.50 9.54
DRAWDOWN
Deepest Drawdown Depth (%) -5.86 -24.81
Start to Recovery (months) 35 24
Longest Drawdown Depth (%) -5.86 -24.81
Start to Recovery (months) 35 24
Longest Negative Period (months) 49 30
RISK INDICATORS
Standard Deviation (%) 1.74 15.89
Sharpe Ratio -0.17 0.70
Sortino Ratio -0.24 0.93
Ulcer Index 1.78 7.03
Ratio: Return / Standard Deviation 0.88 0.81
Ratio: Return / Deepest Drawdown 0.26 0.52
Metrics calculated over the period 1 July 2015 - 30 June 2025
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Robo Advisor 0 US Stocks
Author Betterment
ASSET ALLOCATION
Stocks 0% 100%
Fixed Income 100% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 3.12 10.36
Infl. Adjusted (%) 0.58 7.65
DRAWDOWN
Deepest Drawdown Depth (%) -5.86 -50.84
Start to Recovery (months) 35 53
Longest Drawdown Depth (%) -5.86 -43.94
Start to Recovery (months) 35 67
Longest Negative Period (months) 49 139
RISK INDICATORS
Standard Deviation (%) 1.77 15.66
Sharpe Ratio 0.48 0.52
Sortino Ratio 0.71 0.68
Ulcer Index 1.06 14.32
Ratio: Return / Standard Deviation 1.77 0.66
Ratio: Return / Deepest Drawdown 0.53 0.20
Metrics calculated over the period 1 July 1995 - 30 June 2025
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Robo Advisor 0 US Stocks
Author Betterment
ASSET ALLOCATION
Stocks 0% 100%
Fixed Income 100% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 4.45 9.21
Infl. Adjusted (%) 2.27 6.93
DRAWDOWN
Deepest Drawdown Depth (%) -8.48 -84.60
Start to Recovery (months) 13 184
Longest Drawdown Depth (%) -5.86 -84.60
Start to Recovery (months) 35 184
Longest Negative Period (months) 49 188
RISK INDICATORS
Standard Deviation (%) 3.52 16.56
Sharpe Ratio 0.13 0.31
Sortino Ratio 0.19 0.44
Ulcer Index 1.23 17.80
Ratio: Return / Standard Deviation 1.26 0.56
Ratio: Return / Deepest Drawdown 0.52 0.11
Metrics calculated over the period 1 January 1871 - 30 June 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 July 1995 - 30 June 2025 (30 years)
Period: 1 January 1871 - 30 June 2025 (~155 years)
30 Years
(1995/07 - 2025/06)

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Robo Advisor 0 US Stocks
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-50.84 53 Nov 2007
Mar 2012
-43.94 67 Sep 2000
Mar 2006
-24.81 24 Jan 2022
Dec 2023
-20.84 7 Jan 2020
Jul 2020
-17.57 5 Jul 1998
Nov 1998
-14.20 7 Oct 2018
Apr 2019
-8.84 12 Jun 2015
May 2016
-8.44 5 Apr 2000
Aug 2000
-8.40 7 Dec 2024
Jun 2025
-6.82 5 Apr 2012
Aug 2012
-6.45 2 May 2019
Jun 2019
-6.42 5 Jul 1999
Nov 1999
-6.17 4 Jun 1996
Sep 1996
-5.86 35 Aug 2021
Jun 2024
-5.64 6 Feb 2018
Jul 2018

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Robo Advisor 0 US Stocks
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-84.60 184 Sep 1929
Dec 1944
-50.84 53 Nov 2007
Mar 2012
-45.86 48 Jan 1973
Dec 1976
-43.94 67 Sep 2000
Mar 2006
-34.11 35 Apr 1876
Feb 1879
-30.27 26 Oct 1906
Nov 1908
-30.06 28 Dec 1968
Mar 1971
-29.34 21 Sep 1987
May 1989
-27.16 26 Oct 1902
Nov 1904
-26.86 55 Feb 1893
Aug 1897
-24.81 24 Jan 2022
Dec 2023
-23.91 53 Jul 1881
Nov 1885
-23.13 30 Nov 1919
Apr 1922
-22.72 35 Nov 1912
Sep 1915
-22.67 16 Jan 1962
Apr 1963

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 1871 - 30 June 2025 (~155 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 Stocks
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 2.87 -0.25 5.56 -8.31
2024
 3.89 -0.71 23.81 -4.34
2023
 4.16 -1.03 26.05 -9.11
2022
 -4.20 -5.09 -19.51 -24.81
2021
 -0.79 -0.81 25.67 -4.46
2020
 3.37 -0.09 21.03 -20.84
2019
 3.70 -0.16 30.67 -6.45
2018
 1.44 -0.46 -5.21 -14.20
2017
 0.45 -0.54 21.21 0.00
2016
 0.92 -0.77 12.83 -5.73
2015
 0.53 -0.54 0.36 -8.84
2014
 0.63 -0.29 12.54 -3.17
2013
 0.20 -0.40 33.45 -3.03
2012
 0.55 -0.21 16.45 -6.82
2011
 1.74 -0.27 0.97 -17.58
2010
 2.60 -0.49 17.42 -13.26
2009
 0.59 -0.88 28.89 -17.72
2008
 6.99 -1.21 -36.98 -38.08
2007
 7.05 -0.10 5.37 -5.23
2006
 4.11 0.00 15.69 -3.22
2005
 1.66 -0.35 6.31 -4.48
2004
 0.95 -1.13 12.79 -3.56
2003
 2.62 -0.63 30.75 -4.27
2002
 7.46 -0.78 -20.47 -27.18
2001
 7.87 -1.01 -10.97 -23.65
2000
 8.70 -0.14 -10.57 -15.87
1999
 2.14 -0.84 23.81 -6.42
1998
 7.20 -0.06 23.26 -17.57
1997
 6.60 -0.20 30.99 -4.56
1996
 4.47 -1.05 20.96 -6.17
1995
 12.23 0.00 35.79 -1.17
1994
 -0.40 -2.22 -0.17 -7.43
1993
 6.46 -0.42 10.62 -2.77
1992
 6.84 -1.23 9.11 -2.40
1991
 11.81 0.00 32.39 -4.47
1990
 9.78 -0.10 -6.08 -16.20
1989
 11.47 -0.94 28.12 -3.05
1988
 5.93 -0.32 17.32 -3.42
1987
 4.72 -1.07 2.61 -29.34
1986
 10.57 -0.34 14.57 -7.92
1985
 14.05 -0.52 31.27 -4.77
1984
 14.05 -0.98 2.19 -9.02
1983
 8.22 -0.67 22.66 -4.00
1982
 22.41 -1.29 20.50 -11.21
1981
 13.75 -2.05 -4.15 -12.79
1980
 8.59 -5.20 33.15 -11.98
1979
 7.87 -3.31 24.25 -7.22
1978
 3.26 -0.86 8.45 -11.64
1977
 3.03 -1.55 -3.36 -8.29
1976
 8.68 -1.91 26.47 -2.10
1975
 8.81 -3.85 37.82 -11.74
1974
 6.86 -2.80 -27.81 -34.15
1973
 4.57 -3.07 -18.18 -19.22
1972
 3.83 -1.75 17.62 -2.45
1971
 7.75 -8.48 17.63 -6.54
1970
 13.86 -6.76 4.79 -19.06
1969
 3.12 -3.68 -10.28 -11.24
1968
 4.61 -4.17 13.39 -6.48
1967
 3.48 -2.64 27.39 -4.70
1966
 5.16 -3.11 -8.73 -14.78
1965
 2.31 -1.07 14.20 -4.80
1964
 3.89 -0.04 16.40 -1.37
1963
 2.35 -0.26 21.15 -2.74
1962
 4.28 -0.84 -9.62 -22.67
1961
 2.44 -1.62 26.94 -2.62
1960
 8.87 -0.84 0.92 -8.00
1959
 1.29 -2.16 12.78 -5.35
1958
 1.45 -4.65 44.81 -1.59
1957
 5.73 -3.44 -9.93 -14.61
1956
 1.25 -1.72 8.51 -7.23
1955
 0.20 -1.28 25.72 -3.23
1954
 2.54 -1.08 50.59 -3.14
1953
 3.17 -3.20 0.66 -7.66
1952
 1.89 -1.78 13.62 -4.23
1951
 0.79 -2.33 20.75 -6.04
1950
 0.61 -0.57 30.33 -5.29
1949
 1.93 -0.55 19.97 -4.32
1948
 1.49 -1.03 2.36 -10.99
1947
 0.86 -2.22 3.84 -6.63
1946
 1.06 -1.42 -6.27 -20.85
1945
 1.62 -1.31 38.22 -4.09
1944
 1.25 -0.01 21.23 -1.55
1943
 1.59 -0.16 27.90 -8.06
1942
 0.66 -0.54 16.72 -12.33
1941
 1.33 -2.11 -10.09 -12.94
1940
 1.49 -2.58 -7.16 -23.05
1939
 1.14 -5.46 2.33 -15.16
1938
 2.10 -0.68 28.38 -25.06
1937
 1.05 -2.45 -34.85 -38.63
1936
 1.62 -0.53 33.65 -7.38
1935
 1.57 -1.53 46.29 -10.15
1934
 2.99 -2.75 2.31 -18.75
1933
 2.25 -1.92 57.18 -18.12
1932
 7.90 -2.44 -8.65 -44.97
1931
 0.58 -3.85 -44.12 -52.60
1930
 7.14 -0.18 -28.35 -39.08
1929
 5.68 -1.19 -11.30 -34.31
1928
 1.48 -1.06 38.68 -4.13
1927
 4.55 -0.23 33.33 -4.30
1926
 4.13 0.00 11.46 -9.26
1925
 2.62 -0.39 25.78 -6.56
1924
 6.35 -0.26 27.03 -3.78
1923
 4.16 -0.04 5.38 -13.08
1922
 5.06 -0.82 29.04 -4.35
1921
 11.15 -0.11 10.09 -9.26
1920
 3.21 -2.64 -14.01 -15.38
1919
 3.91 -0.46 19.62 -7.49
1918
 5.27 -1.21 18.16 -3.76
1917
 1.18 -2.90 -18.65 -18.65
1916
 2.73 -1.04 8.05 -3.65
1915
 5.06 -0.83 31.16 -2.26
1914
 6.38 -0.10 -5.46 -20.24
1913
 5.50 -1.77 -4.77 -8.74
1912
 2.36 -0.29 7.12 -4.07
1911
 4.07 -0.98 3.47 -9.84
1910
 5.46 -0.14 -3.44 -11.27
1909
 1.83 -1.28 16.09 -2.75
1908
 10.24 -0.27 39.43 -3.59
1907
 3.42 -2.59 -24.23 -28.45
1906
 3.39 -0.98 0.60 -9.63
1905
 1.74 -2.66 21.23 -5.27
1904
 5.98 -0.22 32.12 -2.23
1903
 4.76 -0.98 -17.14 -25.30
1902
 2.70 -4.30 8.21 -7.32
1901
 3.21 -0.94 19.40 -8.08
1900
 4.68 -1.49 20.75 -5.37
1899
 0.54 -2.20 3.64 -8.88
1898
 4.36 -5.88 29.23 -4.56
1897
 5.17 -1.20 20.31 -5.49
1896
 5.61 -3.15 3.20 -12.04
1895
 0.36 -6.35 4.95 -9.39
1894
 4.81 -0.87 3.58 -5.55
1893
 7.84 -1.42 -18.85 -26.86
1892
 2.52 -1.07 6.08 -2.16
1891
 7.13 -3.00 18.83 -3.88
1890
 3.99 -1.70 -6.20 -13.89
1889
 2.76 -0.62 7.03 -2.45
1888
 6.03 -1.05 3.28 -3.34
1887
 4.63 -1.46 -0.70 -9.45
1886
 1.78 -1.19 11.92 -4.49
1885
 5.13 -0.62 29.98 -1.47
1884
 5.18 -2.29 -12.37 -13.99
1883
 6.15 -0.73 -5.53 -7.10
1882
 4.62 -0.76 3.58 -5.68
1881
 3.91 -2.22 0.18 -9.93
1880
 5.33 -2.00 26.50 -8.79
1879
 3.25 -1.50 49.29 -0.98
1878
 6.47 -0.61 16.25 -1.08
1877
 3.83 -1.64 -1.12 -19.66
1876
 6.44 -2.35 -14.18 -18.03
1875
 4.78 -3.58 5.35 -4.33
1874
 13.97 -2.36 4.67 -6.59
1873
 8.44 -4.46 -2.53 -15.75
1872
 5.08 -2.76 11.12 -3.07
1871
 3.54 -1.78 15.59 -4.38
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