Betterment Robo Advisor 20 vs Stocks/Bonds 20/80 Portfolio Comparison

Last Update: 31 May 2023

The Betterment Robo Advisor 20 Portfolio obtained a 5.10% compound annual return, with a 4.14% standard deviation, in the last 30 Years.

The Stocks/Bonds 20/80 Portfolio obtained a 5.62% compound annual return, with a 4.76% standard deviation, in the last 30 Years.

Summary

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Betterment Robo Advisor 20 Portfolio Stocks/Bonds 20/80 Portfolio
Risk Low Low
Asset Allocation Stocks 19.9% 20%
Fixed Income 80.1% 80%
Commodities 0% 0%
30 Years Stats Return +5.10% +5.62%
Std Dev 4.14% 4.76%
Max Drawdown -12.16% -16.57%

Last Update: 31 May 2023

Historical Returns as of May 31, 2023

Comparison period starts from January 1985

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1M 6M 1Y 5Y(*) 10Y(*) 30Y(*) MAX(*)
Betterment Robo Advisor 20 Portfolio -0.90 +1.16 -0.95 +1.88 +2.42 +5.10 +6.61
Stocks/Bonds 20/80 Portfolio -0.83 +1.82 -1.47 +2.78 +3.48 +5.62 +7.01
(*) Returns over 1 year are annualized

Capital Growth as of May 31, 2023

Betterment Robo Advisor 20 Portfolio: an investment of 1000$, since June 1993, now would be worth 4441.85$, with a total return of 344.18% (5.10% annualized).

Stocks/Bonds 20/80 Portfolio: an investment of 1000$, since June 1993, now would be worth 5153.83$, with a total return of 415.38% (5.62% annualized).

Betterment Robo Advisor 20 Portfolio: an investment of 1000$, since January 1985, now would be worth 11690.55$, with a total return of 1069.05% (6.61% annualized).

Stocks/Bonds 20/80 Portfolio: an investment of 1000$, since January 1985, now would be worth 13490.49$, with a total return of 1249.05% (7.01% annualized).

Drawdowns

Drawdown comparison chart since May 1993.

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Betterment Robo Advisor 20 Portfolio
Stocks/Bonds 20/80 Portfolio
Drawdown Start Bottom Drawdown Start Bottom
-16.57% Jan 2022 Sep 2022
-12.16% Sep 2021 Sep 2022
-9.97% May 2008 Feb 2009
-8.42% May 2008 Oct 2008
-5.50% Feb 1994 Jun 1994
-4.47% Feb 1994 Jun 1994
-4.38% Feb 2020 Mar 2020
-4.07% May 1998 Aug 1998
-3.92% Feb 2020 Mar 2020
-3.26% Jun 2011 Sep 2011
-2.69% May 2015 Sep 2015
-2.67% Sep 2018 Oct 2018
-2.58% Apr 2004 May 2004
-2.56% May 2013 Jun 2013
-2.40% Aug 2016 Nov 2016
-2.38% Jun 2002 Jul 2002
-2.28% Apr 2004 Apr 2004
-2.23% Apr 2000 May 2000
-2.19% May 2013 Jun 2013
-2.17% Feb 1999 Feb 1999

Drawdown comparison chart since January 1985.

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Betterment Robo Advisor 20 Portfolio
Stocks/Bonds 20/80 Portfolio
Drawdown Start Bottom Drawdown Start Bottom
-16.57% Jan 2022 Sep 2022
-12.16% Sep 2021 Sep 2022
-9.97% May 2008 Feb 2009
-8.42% May 2008 Oct 2008
-6.14% Sep 1987 Nov 1987
-5.50% Feb 1994 Jun 1994
-4.85% Sep 1987 Nov 1987
-4.47% Feb 1994 Jun 1994
-4.38% Feb 2020 Mar 2020
-4.18% Aug 1990 Sep 1990
-4.07% May 1998 Aug 1998
-3.92% Feb 2020 Mar 2020
-3.26% Jun 2011 Sep 2011
-3.14% Sep 1986 Sep 1986
-3.09% Aug 1990 Sep 1990
-2.99% Apr 1987 May 1987
-2.91% Jan 1990 Jan 1990
-2.84% Jan 1990 Apr 1990
-2.69% May 2015 Sep 2015
-2.67% Sep 2018 Oct 2018

Yearly Returns

Yearly return comparison. Common historical serie start from January 1985.

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Year Betterment Robo Advisor 20 Portfolio Stocks/Bonds 20/80 Portfolio
2023
 +2.30% +3.69%
2022
 -9.10% -14.39%
2021
 +2.61% +3.64%
2020
 +6.01% +10.38%
2019
 +9.57% +13.20%
2018
 -1.42% -1.13%
2017
 +6.24% +7.10%
2016
 +4.01% +4.58%
2015
 -0.31% +0.52%
2014
 +2.92% +7.16%
2013
 +3.86% +5.01%
2012
 +6.18% +5.82%
2011
 +1.94% +6.53%
2010
 +6.55% +8.44%
2009
 +10.31% +8.69%
2008
 -4.00% -1.91%
2007
 +7.51% +6.61%
2006
 +7.81% +6.55%
2005
 +5.11% +3.18%
2004
 +6.10% +5.95%
2003
 +12.15% +9.33%
2002
 +3.70% +2.51%
2001
 +5.73% +4.55%
2000
 +6.02% +7.00%
1999
 +8.74% +4.16%
1998
 +7.78% +11.52%
1997
 +7.86% +13.75%
1996
 +8.41% +7.06%
1995
 +16.25% +21.70%
1994
 -2.09% -2.16%
1993
 +14.56% +9.87%
1992
 +6.45% +7.53%
1991
 +19.85% +18.68%
1990
 +4.63% +5.70%
1989
 +16.78% +16.54%
1988
 +10.19% +9.35%
1987
 +2.79% +1.75%
1986
 +15.37% +15.00%
1985
 +21.34% +24.05%