Betterment Robo Advisor 10 Value Tilt Portfolio vs DFA Dimensional Retirement Income Fund Portfolio Portfolio Comparison

Simulation Settings
Period: January 1985 - May 2025 (~40 years)
Consolidated Returns as of 31 May 2025
Initial Amount: 1$
Rebalancing: at every Jan 1st
Currency: USD
Inflation: US
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Results
30 Years
(1995/06 - 2025/05)
All Data
(1985/01 - 2025/05)
Inflation Adjusted:
Betterment Robo Advisor 10 Value Tilt Portfolio
1.00$
Invested Capital
June 1995
3.37$
Final Capital
May 2025
4.13%
Yearly Return
2.50%
Std Deviation
-8.91%
Max Drawdown
35months
Recovery Period
1.00$
Invested Capital
June 1995
1.60$
Final Capital
May 2025
1.58%
Yearly Return
2.50%
Std Deviation
-18.56%
Max Drawdown
53months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1985
8.90$
Final Capital
May 2025
5.56%
Yearly Return
2.89%
Std Deviation
-8.91%
Max Drawdown
35months
Recovery Period
1.00$
Invested Capital
January 1985
2.93$
Final Capital
May 2025
2.69%
Yearly Return
2.89%
Std Deviation
-18.56%
Max Drawdown
53months*
Recovery Period
* in progress
DFA Dimensional Retirement Income Fund Portfolio
1.00$
Invested Capital
June 1995
4.95$
Final Capital
May 2025
5.48%
Yearly Return
4.69%
Std Deviation
-12.91%
Max Drawdown
16months
Recovery Period
1.00$
Invested Capital
June 1995
2.35$
Final Capital
May 2025
2.89%
Yearly Return
4.69%
Std Deviation
-18.19%
Max Drawdown
45months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1985
15.26$
Final Capital
May 2025
6.98%
Yearly Return
5.11%
Std Deviation
-12.91%
Max Drawdown
16months
Recovery Period
1.00$
Invested Capital
January 1985
5.02$
Final Capital
May 2025
4.07%
Yearly Return
5.11%
Std Deviation
-18.19%
Max Drawdown
45months*
Recovery Period
* in progress

As of May 2025, in the previous 30 Years, the Betterment Robo Advisor 10 Value Tilt Portfolio obtained a 4.13% compound annual return, with a 2.50% standard deviation. It suffered a maximum drawdown of -8.91% that required 35 months to be recovered.

As of May 2025, in the previous 30 Years, the DFA Dimensional Retirement Income Fund Portfolio obtained a 5.48% compound annual return, with a 4.69% standard deviation. It suffered a maximum drawdown of -12.91% that required 16 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 10 Value Tilt Portfolio
Weight
(%)		 Ticker Name
3.20
VTI
Vanguard Total Stock Market
2.80
EFA
iShares MSCI EAFE
1.90
EEM
iShares MSCI Emerging Markets
0.90
VTV
Vanguard Value
0.60
IJS
iShares S&P Small-Cap 600 Value
0.50
VOE
Vanguard Mid-Cap Value
61.40
SHY
iShares 1-3 Year Treasury Bond
15.40
BSV
Vanguard Short-Term Bond
4.90
BNDX
Vanguard Total International Bond
3.80
BND
Vanguard Total Bond Market
2.90
EMB
iShares JP Morgan USD Em Mkts Bd
1.70
TIP
iShares TIPS Bond
DFA Dimensional Retirement Income Fund Portfolio
Weight
(%)		 Ticker Name
6.40
DFEOX
DFA US Core Equity 1
6.40
DFUSX
DFA US Large Company I
3.80
DFALX
DFA Large Cap International I
1.90
DFCEX
DFA Emerging Markets Core Equity I
1.90
DFIEX
DFA International Core Equity I
47.60
DIPSX
DFA Inflation-Protected Securities I
32.00
DFIHX
DFA One-Year Fixed-Income I
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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
Capital Growth
30 Years
(1995/06 - 2025/05)
All Data
(1985/01 - 2025/05)
Inflation Adjusted:
Swipe left to see all data
Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 10 Value Tilt
Betterment 		1 $ 3.37 $ 237.02% 4.13%
DFA Dimensional Retirement Income Fund
DFA 		1 $ 4.95 $ 395.30% 5.48%
Jun 1995 May 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 10 Value Tilt
Betterment 		1 $ 1.60 $ 59.86% 1.58%
DFA Dimensional Retirement Income Fund
DFA 		1 $ 2.35 $ 134.94% 2.89%
Jun 1995 May 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 10 Value Tilt
Betterment 		1 $ 8.90 $ 789.83% 5.56%
DFA Dimensional Retirement Income Fund
DFA 		1 $ 15.26 $ 1 425.82% 6.98%
Jan 1985 May 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 10 Value Tilt
Betterment 		1 $ 2.93 $ 192.76% 2.69%
DFA Dimensional Retirement Income Fund
DFA 		1 $ 5.02 $ 402.00% 4.07%
Jan 1985 May 2025

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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 10 Value Tilt
Betterment 		2.68 0.28 2.22 6.35 2.06 2.28 4.13 5.56
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_dfa.webp Dimensional Retirement Income Fund
DFA 		3.50 0.84 2.13 6.78 4.44 3.91 5.48 6.98
Returns over 1 year are 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)
1 Year
5 Years
10 Years
30 Years
All (1985/01 - 2025/05)
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Robo Advisor 10 Value Tilt Dimensional Retirement Income Fund
Author Betterment DFA
ASSET ALLOCATION
Stocks 9.9% 20.4%
Fixed Income 90.1% 79.6%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.35 6.78
Infl. Adjusted (%) 3.89 4.31
DRAWDOWN
Deepest Drawdown Depth (%) -1.05 -1.43
Start to Recovery (months) 4 5
Longest Drawdown Depth (%) -1.05 -1.43
Start to Recovery (months) 4 5
Longest Negative Period (months) 3 4
RISK INDICATORS
Standard Deviation (%) 2.37 3.31
Sharpe Ratio 0.69 0.63
Sortino Ratio 0.86 0.75
Ulcer Index 0.36 0.54
Ratio: Return / Standard Deviation 2.68 2.05
Ratio: Return / Deepest Drawdown 6.05 4.74
Metrics calculated over the period 1 June 2024 - 31 May 2025
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Robo Advisor 10 Value Tilt Dimensional Retirement Income Fund
Author Betterment DFA
ASSET ALLOCATION
Stocks 9.9% 20.4%
Fixed Income 90.1% 79.6%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 2.06 4.44
Infl. Adjusted (%) -2.45 -0.17
DRAWDOWN
Deepest Drawdown Depth (%) -8.91 -12.16
Start to Recovery (months) 35 29
Longest Drawdown Depth (%) -8.91 -12.16
Start to Recovery (months) 35 29
Longest Negative Period (months) 41 34
RISK INDICATORS
Standard Deviation (%) 3.42 5.80
Sharpe Ratio -0.16 0.32
Sortino Ratio -0.22 0.41
Ulcer Index 3.54 4.23
Ratio: Return / Standard Deviation 0.60 0.77
Ratio: Return / Deepest Drawdown 0.23 0.37
Metrics calculated over the period 1 June 2020 - 31 May 2025
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Robo Advisor 10 Value Tilt Dimensional Retirement Income Fund
Author Betterment DFA
ASSET ALLOCATION
Stocks 9.9% 20.4%
Fixed Income 90.1% 79.6%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 2.28 3.91
Infl. Adjusted (%) -0.77 0.82
DRAWDOWN
Deepest Drawdown Depth (%) -8.91 -12.16
Start to Recovery (months) 35 29
Longest Drawdown Depth (%) -8.91 -12.16
Start to Recovery (months) 35 29
Longest Negative Period (months) 45 34
RISK INDICATORS
Standard Deviation (%) 2.72 4.90
Sharpe Ratio 0.18 0.43
Sortino Ratio 0.24 0.57
Ulcer Index 2.54 3.14
Ratio: Return / Standard Deviation 0.84 0.80
Ratio: Return / Deepest Drawdown 0.26 0.32
Metrics calculated over the period 1 June 2015 - 31 May 2025
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Robo Advisor 10 Value Tilt Dimensional Retirement Income Fund
Author Betterment DFA
ASSET ALLOCATION
Stocks 9.9% 20.4%
Fixed Income 90.1% 79.6%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 4.13 5.48
Infl. Adjusted (%) 1.58 2.89
DRAWDOWN
Deepest Drawdown Depth (%) -8.91 -12.91
Start to Recovery (months) 35 16
Longest Drawdown Depth (%) -8.91 -12.16
Start to Recovery (months) 35 29
Longest Negative Period (months) 45 34
RISK INDICATORS
Standard Deviation (%) 2.50 4.69
Sharpe Ratio 0.74 0.68
Sortino Ratio 1.01 0.89
Ulcer Index 1.53 2.48
Ratio: Return / Standard Deviation 1.65 1.17
Ratio: Return / Deepest Drawdown 0.46 0.42
Metrics calculated over the period 1 June 1995 - 31 May 2025
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Robo Advisor 10 Value Tilt Dimensional Retirement Income Fund
Author Betterment DFA
ASSET ALLOCATION
Stocks 9.9% 20.4%
Fixed Income 90.1% 79.6%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.56 6.98
Infl. Adjusted (%) 2.69 4.07
DRAWDOWN
Deepest Drawdown Depth (%) -8.91 -12.91
Start to Recovery (months) 35 16
Longest Drawdown Depth (%) -8.91 -12.16
Start to Recovery (months) 35 29
Longest Negative Period (months) 45 34
RISK INDICATORS
Standard Deviation (%) 2.89 5.11
Sharpe Ratio 0.83 0.75
Sortino Ratio 1.18 1.02
Ulcer Index 1.39 2.33
Ratio: Return / Standard Deviation 1.92 1.37
Ratio: Return / Deepest Drawdown 0.62 0.54
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)
30 Years
(1995/06 - 2025/05)

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Robo Advisor 10 Value Tilt Dimensional Retirement Income Fund
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-12.91 16 Jun 2008
Sep 2009
-12.16 29 Jan 2022
May 2024
-8.91 35 Sep 2021
Jul 2024
-4.64 5 Feb 2020
Jun 2020
-4.34 10 May 2013
Feb 2014
-3.55 14 Apr 2008
May 2009
-3.41 14 May 2015
Jun 2016
-3.15 7 Sep 2018
Mar 2019
-3.06 6 Apr 2004
Sep 2004
-2.88 4 Aug 2011
Nov 2011
-2.13 2 Aug 1997
Sep 1997
-2.01 2 Aug 1998
Sep 1998
-1.95 6 Sep 2014
Feb 2015
-1.91 5 May 2010
Sep 2010
-1.82 3 Feb 1999
Apr 1999

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Robo Advisor 10 Value Tilt Dimensional Retirement Income Fund
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-12.91 16 Jun 2008
Sep 2009
-12.16 29 Jan 2022
May 2024
-8.91 35 Sep 2021
Jul 2024
-6.09 15 Feb 1994
Apr 1995
-4.85 5 Sep 1987
Jan 1988
-4.64 5 Feb 2020
Jun 2020
-4.34 10 May 2013
Feb 2014
-3.95 4 Aug 1990
Nov 1990
-3.55 14 Apr 2008
May 2009
-3.41 14 May 2015
Jun 2016
-3.37 5 Jan 1990
May 1990
-3.17 13 Feb 1994
Feb 1995
-3.15 7 Sep 2018
Mar 2019
-3.06 6 Apr 2004
Sep 2004
-2.88 4 Aug 2011
Nov 2011

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 10 Value Tilt Dimensional Retirement Income Fund
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 2.68 0.00 3.50 -0.15
2024
 4.64 -1.05 6.04 -1.43
2023
 5.92 -1.47 7.92 -3.32
2022
 -6.66 -8.39 -9.39 -12.16
2021
 0.88 -0.88 7.04 -1.33
2020
 4.71 -1.19 8.69 -4.64
2019
 6.61 0.00 10.30 -0.66
2018
 0.02 -0.91 -1.96 -3.15
2017
 3.34 -0.02 6.78 -0.31
2016
 2.45 -1.03 4.66 -1.35
2015
 0.10 -1.18 -0.87 -3.41
2014
 1.76 -0.61 2.89 -1.95
2013
 1.99 -1.31 1.29 -4.34
2012
 3.35 -0.85 7.36 -1.03
2011
 1.84 -1.48 6.06 -2.88
2010
 4.56 -0.60 6.92 -1.91
2009
 5.43 -3.09 12.97 -4.37
2008
 1.51 -3.55 -7.45 -12.44
2007
 7.32 0.00 9.18 -0.27
2006
 5.96 -0.47 5.72 -0.65
2005
 3.37 -0.59 4.07 -1.13
2004
 3.50 -1.68 7.31 -3.06
2003
 7.36 -0.53 11.38 -1.65
2002
 5.59 -0.24 5.44 -0.88
2001
 6.78 -0.09 2.76 -1.59
2000
 7.31 -0.69 7.94 -1.66
1999
 5.47 -1.00 4.99 -1.82
1998
 7.51 -1.05 10.20 -2.01
1997
 7.18 -0.73 11.97 -2.13
1996
 6.42 -0.77 5.90 -1.57
1995
 14.22 0.00 18.82 0.00
1994
 -1.25 -3.17 -2.17 -6.09
1993
 10.54 -0.63 13.67 -1.44
1992
 6.61 -1.12 5.89 -2.39
1991
 15.83 -0.59 18.32 -1.25
1990
 7.24 -1.52 4.76 -3.95
1989
 14.16 -0.50 16.98 -0.62
1988
 8.05 -0.37 9.77 -1.84
1987
 3.74 -1.32 3.26 -4.85
1986
 12.96 -1.17 17.53 -2.86
1985
 17.68 -0.60 23.48 -1.24
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