Betterment Robo Advisor 20 Value Tilt Portfolio vs DFA Dimensional Retirement Income Fund Portfolio Portfolio Comparison

Simulation Settings
Period: January 1985 - January 2026 (~41 years)
Consolidated Returns as of 31 January 2026
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 January 2026.
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Results
30 Years
(1996/02 - 2026/01)
All Data
(1985/01 - 2026/01)
Inflation Adjusted:
Betterment Betterment Robo Advisor 20 Value Tilt Portfolio
1.00$
Invested Capital
February 1996
4.38$
Final Capital
January 2026
5.05%
Yearly Return
4.12%
Std Deviation
-12.16%
Max Drawdown
35months
Recovery Period
1.00$
Invested Capital
February 1996
2.08$
Final Capital
January 2026
2.47%
Yearly Return
4.12%
Std Deviation
-20.01%
Max Drawdown
61months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1985
14.32$
Final Capital
January 2026
6.69%
Yearly Return
4.42%
Std Deviation
-12.16%
Max Drawdown
35months
Recovery Period
1.00$
Invested Capital
January 1985
4.63$
Final Capital
January 2026
3.80%
Yearly Return
4.42%
Std Deviation
-20.01%
Max Drawdown
61months*
Recovery Period
* in progress
DFA DFA Dimensional Retirement Income Fund Portfolio
1.00$
Invested Capital
February 1996
4.84$
Final Capital
January 2026
5.40%
Yearly Return
4.69%
Std Deviation
-12.91%
Max Drawdown
16months
Recovery Period
1.00$
Invested Capital
February 1996
2.30$
Final Capital
January 2026
2.81%
Yearly Return
4.69%
Std Deviation
-18.19%
Max Drawdown
53months*
Recovery Period
* in progress
1.00$
Invested Capital
January 1985
16.29$
Final Capital
January 2026
7.03%
Yearly Return
5.07%
Std Deviation
-12.91%
Max Drawdown
16months
Recovery Period
1.00$
Invested Capital
January 1985
5.27$
Final Capital
January 2026
4.13%
Yearly Return
5.07%
Std Deviation
-18.19%
Max Drawdown
53months*
Recovery Period
* in progress

As of January 2026, in the previous 30 Years, the Betterment Robo Advisor 20 Value Tilt Portfolio obtained a 5.05% compound annual return, with a 4.12% standard deviation. It suffered a maximum drawdown of -12.16% that required 35 months to be recovered.

As of January 2026, in the previous 30 Years, the DFA Dimensional Retirement Income Fund Portfolio obtained a 5.40% compound annual return, with a 4.69% standard deviation. It suffered a maximum drawdown of -12.91% that required 16 months to be recovered.

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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.

Asset Allocations and ETFs

The compared portfolios have the following asset allocations.

Betterment
Betterment Robo Advisor 20 Value Tilt Portfolio
Weight
(%)		 Ticker Name
6.30
VTI
Vanguard Total Stock Market
5.60
EFA
iShares MSCI EAFE
3.70
EEM
iShares MSCI Emerging Markets
1.70
VTV
Vanguard Value
1.40
VOE
Vanguard Mid-Cap Value
1.20
IJS
iShares S&P Small-Cap 600 Value
42.80
SHY
iShares 1-3 Year Treasury Bond
10.70
BSV
Vanguard Short-Term Bond
9.80
BNDX
Vanguard Total International Bond
7.60
BND
Vanguard Total Bond Market
5.90
EMB
iShares JP Morgan USD Em Mkts Bd
3.30
TIP
iShares TIPS Bond
DFA
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 Jan 31, 2026

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
(1996/02 - 2026/01)
All Data
(1985/01 - 2026/01)
Inflation Adjusted:
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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 20 Value Tilt
Betterment 		1 $ 4.38 $ 338.35% 5.05%
DFA Dimensional Retirement Income Fund
DFA 		1 $ 4.84 $ 384.38% 5.40%
Feb 1996 Jan 2026

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 20 Value Tilt
Betterment 		1 $ 2.08 $ 107.94% 2.47%
DFA Dimensional Retirement Income Fund
DFA 		1 $ 2.30 $ 129.78% 2.81%
Feb 1996 Jan 2026

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 20 Value Tilt
Betterment 		1 $ 14.32 $ 1 332.27% 6.69%
DFA Dimensional Retirement Income Fund
DFA 		1 $ 16.29 $ 1 529.14% 7.03%
Jan 1985 Jan 2026

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 20 Value Tilt
Betterment 		1 $ 4.63 $ 363.35% 3.80%
DFA Dimensional Retirement Income Fund
DFA 		1 $ 5.27 $ 427.04% 4.13%
Jan 1985 Jan 2026

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Return (%) as of Jan 31, 2026
YTD
(1M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~41Y)
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_betterment.webp Robo Advisor 20 Value Tilt
Betterment 		1.09 1.09 5.41 9.23 3.19 4.04 5.05 6.69
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_dfa.webp Dimensional Retirement Income Fund
DFA 		0.97 0.97 4.65 8.96 4.13 4.90 5.40 7.03
Returns over 1 year are annualized.
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Portfolio Metrics as of Jan 31, 2026

The following metrics, updated as of 31 January 2026, provide an overview of performance and risk, with the best value in each row highlighted within the table.

METRIC COMPARISON
Period: 1 February 2025 - 31 January 2026 (1 year)
Period: 1 February 2021 - 31 January 2026 (5 years)
Period: 1 February 2016 - 31 January 2026 (10 years)
Period: 1 February 1996 - 31 January 2026 (30 years)
Period: 1 January 1985 - 31 January 2026 (~41 years)
1 Year
5 Years
10 Years
30 Years
All (1985/01 - 2026/01)
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Robo Advisor 20 Value Tilt Dimensional Retirement Income Fund
Author Betterment DFA
ASSET ALLOCATION
Stocks 19.9% 20.4%
Fixed Income 80.1% 79.6%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.23 8.96
Infl. Adjusted (%) 6.90 6.64
DRAWDOWN
Deepest Drawdown Depth (%) -0.38 -0.15
Start to Recovery (months) 2 2
Longest Drawdown Depth (%) -0.38 -0.15
Start to Recovery (months) 2 2
Longest Negative Period (months) 1 1
RISK INDICATORS
Standard Deviation (%) 1.88 1.83
Sharpe Ratio 2.73 2.67
Sortino Ratio 3.64 3.86
Ulcer Index 0.11 0.04
Ratio: Return / Standard Deviation 4.91 4.90
Ratio: Return / Deepest Drawdown 24.03 59.63
Metrics calculated over the period 1 February 2025 - 31 January 2026
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Robo Advisor 20 Value Tilt Dimensional Retirement Income Fund
Author Betterment DFA
ASSET ALLOCATION
Stocks 19.9% 20.4%
Fixed Income 80.1% 79.6%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 3.19 4.13
Infl. Adjusted (%) -1.19 -0.29
DRAWDOWN
Deepest Drawdown Depth (%) -12.16 -12.16
Start to Recovery (months) 35 29
Longest Drawdown Depth (%) -12.16 -12.16
Start to Recovery (months) 35 29
Longest Negative Period (months) 37 33
RISK INDICATORS
Standard Deviation (%) 5.02 5.58
Sharpe Ratio 0.01 0.18
Sortino Ratio 0.01 0.23
Ulcer Index 4.66 4.23
Ratio: Return / Standard Deviation 0.64 0.74
Ratio: Return / Deepest Drawdown 0.26 0.34
Metrics calculated over the period 1 February 2021 - 31 January 2026
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Robo Advisor 20 Value Tilt Dimensional Retirement Income Fund
Author Betterment DFA
ASSET ALLOCATION
Stocks 19.9% 20.4%
Fixed Income 80.1% 79.6%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 4.04 4.90
Infl. Adjusted (%) 0.80 1.63
DRAWDOWN
Deepest Drawdown Depth (%) -12.16 -12.16
Start to Recovery (months) 35 29
Longest Drawdown Depth (%) -12.16 -12.16
Start to Recovery (months) 35 29
Longest Negative Period (months) 45 34
RISK INDICATORS
Standard Deviation (%) 4.30 4.83
Sharpe Ratio 0.46 0.59
Sortino Ratio 0.61 0.76
Ulcer Index 3.37 3.08
Ratio: Return / Standard Deviation 0.94 1.02
Ratio: Return / Deepest Drawdown 0.33 0.40
Metrics calculated over the period 1 February 2016 - 31 January 2026
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Robo Advisor 20 Value Tilt Dimensional Retirement Income Fund
Author Betterment DFA
ASSET ALLOCATION
Stocks 19.9% 20.4%
Fixed Income 80.1% 79.6%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 5.05 5.40
Infl. Adjusted (%) 2.47 2.81
DRAWDOWN
Deepest Drawdown Depth (%) -12.16 -12.91
Start to Recovery (months) 35 16
Longest Drawdown Depth (%) -12.16 -12.16
Start to Recovery (months) 35 29
Longest Negative Period (months) 45 34
RISK INDICATORS
Standard Deviation (%) 4.12 4.69
Sharpe Ratio 0.68 0.67
Sortino Ratio 0.90 0.88
Ulcer Index 2.33 2.48
Ratio: Return / Standard Deviation 1.23 1.15
Ratio: Return / Deepest Drawdown 0.42 0.42
Metrics calculated over the period 1 February 1996 - 31 January 2026
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Robo Advisor 20 Value Tilt Dimensional Retirement Income Fund
Author Betterment DFA
ASSET ALLOCATION
Stocks 19.9% 20.4%
Fixed Income 80.1% 79.6%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 6.69 7.03
Infl. Adjusted (%) 3.80 4.13
DRAWDOWN
Deepest Drawdown Depth (%) -12.16 -12.91
Start to Recovery (months) 35 16
Longest Drawdown Depth (%) -12.16 -12.16
Start to Recovery (months) 35 29
Longest Negative Period (months) 45 34
RISK INDICATORS
Standard Deviation (%) 4.42 5.07
Sharpe Ratio 0.80 0.76
Sortino Ratio 1.08 1.04
Ulcer Index 2.13 2.31
Ratio: Return / Standard Deviation 1.51 1.39
Ratio: Return / Deepest Drawdown 0.55 0.54
Metrics calculated over the period 1 January 1985 - 31 January 2026
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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 February 1996 - 31 January 2026 (30 years)
Period: 1 January 1985 - 31 January 2026 (~41 years)
30 Years
(1996/02 - 2026/01)

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Robo Advisor 20 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
-12.16 35 Sep 2021
Jul 2024
-9.97 15 May 2008
Jul 2009
-4.64 5 Feb 2020
Jun 2020
-4.38 5 Feb 2020
Jun 2020
-4.34 10 May 2013
Feb 2014
-4.07 6 May 1998
Oct 1998
-3.41 14 May 2015
Jun 2016
-3.26 8 Jun 2011
Jan 2012
-3.15 7 Sep 2018
Mar 2019
-3.06 6 Apr 2004
Sep 2004
-2.88 4 Aug 2011
Nov 2011
-2.69 14 May 2015
Jun 2016
-2.38 6 Jun 2002
Nov 2002

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Robo Advisor 20 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
-12.16 35 Sep 2021
Jul 2024
-9.97 15 May 2008
Jul 2009
-6.09 15 Feb 1994
Apr 1995
-4.85 6 Sep 1987
Feb 1988
-4.85 5 Sep 1987
Jan 1988
-4.64 5 Feb 2020
Jun 2020
-4.47 15 Feb 1994
Apr 1995
-4.38 5 Feb 2020
Jun 2020
-4.34 10 May 2013
Feb 2014
-4.18 5 Aug 1990
Dec 1990
-4.07 6 May 1998
Oct 1998
-3.95 4 Aug 1990
Nov 1990
-3.41 14 May 2015
Jun 2016

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 January 2026 (~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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Robo Advisor 20 Value Tilt Dimensional Retirement Income Fund
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2026
 1.09 0.00 0.97 0.00
2025
 9.23 -0.38 9.44 -0.15
2024
 5.41 -1.48 6.04 -1.43
2023
 7.68 -3.04 7.92 -3.32
2022
 -9.10 -11.83 -9.39 -12.16
2021
 2.61 -1.26 7.04 -1.33
2020
 6.01 -4.38 8.69 -4.64
2019
 9.57 -0.68 10.30 -0.66
2018
 -1.42 -2.14 -1.96 -3.15
2017
 6.24 0.00 6.78 -0.31
2016
 4.01 -1.37 4.66 -1.35
2015
 -0.31 -2.69 -0.87 -3.41
2014
 2.92 -1.13 2.89 -1.95
2013
 3.86 -2.19 1.29 -4.34
2012
 6.18 -1.76 7.36 -1.03
2011
 1.94 -3.26 6.06 -2.88
2010
 6.55 -1.59 6.92 -1.91
2009
 10.31 -5.34 12.97 -4.37
2008
 -4.00 -8.67 -7.45 -12.44
2007
 7.51 -0.09 9.18 -0.27
2006
 7.81 -1.09 5.72 -0.65
2005
 5.11 -1.09 4.07 -1.13
2004
 6.10 -2.28 7.31 -3.06
2003
 12.15 -0.49 11.38 -1.65
2002
 3.70 -2.38 5.44 -0.88
2001
 5.73 -1.48 2.76 -1.59
2000
 6.02 -1.47 7.94 -1.66
1999
 8.74 -1.36 4.99 -1.82
1998
 7.78 -4.07 10.20 -2.01
1997
 7.86 -1.41 11.97 -2.13
1996
 8.41 -0.87 5.90 -1.57
1995
 16.25 0.00 18.82 0.00
1994
 -2.09 -4.47 -2.17 -6.09
1993
 14.56 -1.13 13.67 -1.44
1992
 6.45 -1.46 5.89 -2.39
1991
 19.85 -1.32 18.32 -1.25
1990
 4.63 -4.18 4.76 -3.95
1989
 16.78 -0.08 16.98 -0.62
1988
 10.19 -0.87 9.77 -1.84
1987
 2.79 -4.85 3.26 -4.85
1986
 15.37 -2.01 17.53 -2.86
1985
 21.34 -0.68 23.48 -1.24
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