Betterment Robo Advisor 90 Value Tilt Portfolio vs Warren Buffett Berkshire Hathaway 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 90 Value Tilt Portfolio
1.00$
Invested Capital
June 1995
11.16$
Final Capital
May 2025
8.37%
Yearly Return
14.44%
Std Deviation
-50.07%
Max Drawdown
62months
Recovery Period
1.00$
Invested Capital
June 1995
5.29$
Final Capital
May 2025
5.71%
Yearly Return
14.44%
Std Deviation
-50.90%
Max Drawdown
66months
Recovery Period
1.00$
Invested Capital
January 1985
55.96$
Final Capital
May 2025
10.47%
Yearly Return
14.38%
Std Deviation
-50.07%
Max Drawdown
62months
Recovery Period
1.00$
Invested Capital
January 1985
18.41$
Final Capital
May 2025
7.47%
Yearly Return
14.38%
Std Deviation
-50.90%
Max Drawdown
66months
Recovery Period
Warren Buffett Berkshire Hathaway Portfolio
1.00$
Invested Capital
June 1995
33.37$
Final Capital
May 2025
12.40%
Yearly Return
19.42%
Std Deviation
-44.49%
Max Drawdown
61months
Recovery Period
1.00$
Invested Capital
June 1995
15.83$
Final Capital
May 2025
9.64%
Yearly Return
19.42%
Std Deviation
-46.19%
Max Drawdown
68months
Recovery Period
1.00$
Invested Capital
January 1985
594.04$
Final Capital
May 2025
17.12%
Yearly Return
21.51%
Std Deviation
-44.49%
Max Drawdown
61months
Recovery Period
1.00$
Invested Capital
January 1985
195.44$
Final Capital
May 2025
13.94%
Yearly Return
21.51%
Std Deviation
-46.19%
Max Drawdown
68months
Recovery Period

As of May 2025, in the previous 30 Years, the Betterment Robo Advisor 90 Value Tilt Portfolio obtained a 8.37% compound annual return, with a 14.44% standard deviation. It suffered a maximum drawdown of -50.07% that required 62 months to be recovered.

As of May 2025, in the previous 30 Years, the Warren Buffett Berkshire Hathaway Portfolio obtained a 12.40% compound annual return, with a 19.42% standard deviation. It suffered a maximum drawdown of -44.49% that required 61 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 90 Value Tilt Portfolio
Weight
(%)		 Ticker Name
30.90
VTI
Vanguard Total Stock Market
24.60
VEA
Vanguard FTSE Developed Markets
14.00
EEM
iShares MSCI Emerging Markets
8.20
VTV
Vanguard Value
6.70
VOE
Vanguard Mid-Cap Value
5.70
IJS
iShares S&P Small-Cap 600 Value
3.50
BND
Vanguard Total Bond Market
2.90
BNDX
Vanguard Total International Bond
1.70
EMB
iShares JP Morgan USD Em Mkts Bd
1.20
TIP
iShares TIPS Bond
0.60
BIL
SPDR Blmbg Barclays 1-3 Mth T-Bill
Warren Buffett Berkshire Hathaway Portfolio
Weight
(%)		 Ticker Name
100.00
BRK.A
Berkshire Hathaway Inc Class A
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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 90 Value Tilt
Betterment 		1 $ 11.16 $ 1 016.01% 8.37%
Warren Buffett Berkshire Hathaway
Warren Buffett 		1 $ 33.37 $ 3 236.56% 12.40%
Jun 1995 May 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 90 Value Tilt
Betterment 		1 $ 5.29 $ 429.36% 5.71%
Warren Buffett Berkshire Hathaway
Warren Buffett 		1 $ 15.83 $ 1 482.63% 9.64%
Jun 1995 May 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 90 Value Tilt
Betterment 		1 $ 55.96 $ 5 496.17% 10.47%
Warren Buffett Berkshire Hathaway
Warren Buffett 		1 $ 594.04 $ 59 303.92% 17.12%
Jan 1985 May 2025

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Initial Amount $ Final Amount $ Total Return (%) Annualized (%)
Betterment Robo Advisor 90 Value Tilt
Betterment 		1 $ 18.41 $ 1 741.17% 7.47%
Warren Buffett Berkshire Hathaway
Warren Buffett 		1 $ 195.44 $ 19 444.25% 13.94%
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 90 Value Tilt
Betterment 		5.25 4.46 1.40 10.93 11.35 7.89 8.37 10.47
https://www.lazyportfolioetf.com/wp-content/themes/dynamico-child/img/author/avatar_warren_buffett.webp Berkshire Hathaway
Warren Buffett 		11.23 -5.39 4.61 20.72 22.14 13.43 12.40 17.12
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 90 Value Tilt Berkshire Hathaway
Author Betterment Warren Buffett
ASSET ALLOCATION
Stocks 90.1% 100%
Fixed Income 9.9% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.93 20.72
Infl. Adjusted (%) 8.36 17.92
DRAWDOWN
Deepest Drawdown Depth (%) -3.66 -5.96
Start to Recovery (months) 6 3
Longest Drawdown Depth (%) -3.66 -5.36
Start to Recovery (months) 6 3
Longest Negative Period (months) 7 5
RISK INDICATORS
Standard Deviation (%) 8.65 18.85
Sharpe Ratio 0.72 0.85
Sortino Ratio 0.95 1.23
Ulcer Index 1.70 3.03
Ratio: Return / Standard Deviation 1.26 1.10
Ratio: Return / Deepest Drawdown 2.99 3.48
Metrics calculated over the period 1 June 2024 - 31 May 2025
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Robo Advisor 90 Value Tilt Berkshire Hathaway
Author Betterment Warren Buffett
ASSET ALLOCATION
Stocks 90.1% 100%
Fixed Income 9.9% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 11.35 22.14
Infl. Adjusted (%) 6.43 16.75
DRAWDOWN
Deepest Drawdown Depth (%) -23.36 -23.15
Start to Recovery (months) 26 16
Longest Drawdown Depth (%) -23.36 -23.15
Start to Recovery (months) 26 16
Longest Negative Period (months) 32 19
RISK INDICATORS
Standard Deviation (%) 14.12 20.05
Sharpe Ratio 0.62 0.97
Sortino Ratio 0.86 1.37
Ulcer Index 7.48 7.22
Ratio: Return / Standard Deviation 0.80 1.10
Ratio: Return / Deepest Drawdown 0.49 0.96
Metrics calculated over the period 1 June 2020 - 31 May 2025
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Robo Advisor 90 Value Tilt Berkshire Hathaway
Author Betterment Warren Buffett
ASSET ALLOCATION
Stocks 90.1% 100%
Fixed Income 9.9% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.89 13.43
Infl. Adjusted (%) 4.67 10.05
DRAWDOWN
Deepest Drawdown Depth (%) -23.36 -23.15
Start to Recovery (months) 26 16
Longest Drawdown Depth (%) -23.36 -23.15
Start to Recovery (months) 26 16
Longest Negative Period (months) 35 34
RISK INDICATORS
Standard Deviation (%) 13.93 17.90
Sharpe Ratio 0.44 0.65
Sortino Ratio 0.58 0.92
Ulcer Index 6.83 7.25
Ratio: Return / Standard Deviation 0.57 0.75
Ratio: Return / Deepest Drawdown 0.34 0.58
Metrics calculated over the period 1 June 2015 - 31 May 2025
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Robo Advisor 90 Value Tilt Berkshire Hathaway
Author Betterment Warren Buffett
ASSET ALLOCATION
Stocks 90.1% 100%
Fixed Income 9.9% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.37 12.40
Infl. Adjusted (%) 5.71 9.64
DRAWDOWN
Deepest Drawdown Depth (%) -50.07 -44.49
Start to Recovery (months) 62 61
Longest Drawdown Depth (%) -50.07 -43.81
Start to Recovery (months) 62 65
Longest Negative Period (months) 111 64
RISK INDICATORS
Standard Deviation (%) 14.44 19.42
Sharpe Ratio 0.42 0.52
Sortino Ratio 0.55 0.76
Ulcer Index 11.38 12.24
Ratio: Return / Standard Deviation 0.58 0.64
Ratio: Return / Deepest Drawdown 0.17 0.28
Metrics calculated over the period 1 June 1995 - 31 May 2025
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Robo Advisor 90 Value Tilt Berkshire Hathaway
Author Betterment Warren Buffett
ASSET ALLOCATION
Stocks 90.1% 100%
Fixed Income 9.9% 0%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 10.47 17.12
Infl. Adjusted (%) 7.47 13.94
DRAWDOWN
Deepest Drawdown Depth (%) -50.07 -44.49
Start to Recovery (months) 62 61
Longest Drawdown Depth (%) -50.07 -43.81
Start to Recovery (months) 62 65
Longest Negative Period (months) 111 64
RISK INDICATORS
Standard Deviation (%) 14.38 21.51
Sharpe Ratio 0.51 0.65
Sortino Ratio 0.66 0.98
Ulcer Index 10.24 11.78
Ratio: Return / Standard Deviation 0.73 0.80
Ratio: Return / Deepest Drawdown 0.21 0.38
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 90 Value Tilt Berkshire Hathaway
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-50.07 62 Nov 2007
Dec 2012
-44.49 61 Jan 2008
Jan 2013
-43.81 65 Jul 1998
Nov 2003
-32.03 46 Apr 2000
Jan 2004
-23.36 26 Jan 2022
Feb 2024
-23.15 16 Apr 2022
Jul 2023
-22.15 11 Jan 2020
Nov 2020
-21.29 11 Jan 2020
Nov 2020
-18.63 9 May 1998
Jan 1999
-14.08 12 Mar 1996
Feb 1997
-14.00 23 Jan 2015
Nov 2016
-13.38 21 Feb 2018
Oct 2019
-13.23 30 Mar 2004
Aug 2006
-12.78 10 Feb 2018
Nov 2018
-12.25 16 May 2015
Aug 2016

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Robo Advisor 90 Value Tilt Berkshire Hathaway
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-50.07 62 Nov 2007
Dec 2012
-44.49 61 Jan 2008
Jan 2013
-43.81 65 Jul 1998
Nov 2003
-32.28 17 Jan 1990
May 1991
-32.03 46 Apr 2000
Jan 2004
-31.28 10 Oct 1987
Jul 1988
-23.49 17 Sep 1987
Jan 1989
-23.36 26 Jan 2022
Feb 2024
-23.15 16 Apr 2022
Jul 2023
-22.15 11 Jan 2020
Nov 2020
-21.29 11 Jan 2020
Nov 2020
-18.78 14 Jan 1990
Feb 1991
-18.63 9 May 1998
Jan 1999
-15.87 11 Apr 1986
Feb 1987
-14.10 3 Dec 1985
Feb 1986

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 90 Value Tilt Berkshire Hathaway
Year Return
(%)		 Drawdown
(%)		 Return
(%)		 Drawdown
(%)
2025
 5.25 -2.38 11.23 -5.39
2024
 12.00 -3.66 25.49 -5.96
2023
 16.66 -9.98 15.77 -5.29
2022
 -15.33 -23.36 4.00 -23.15
2021
 16.04 -3.56 29.57 -5.65
2020
 12.42 -22.15 2.42 -21.29
2019
 23.85 -5.81 10.98 -8.62
2018
 -9.42 -13.38 2.82 -12.78
2017
 21.88 0.00 21.91 -3.63
2016
 10.80 -5.43 23.42 -4.46
2015
 -2.80 -10.67 -12.48 -13.61
2014
 4.90 -4.04 27.04 -4.72
2013
 22.35 -2.54 32.70 -3.94
2012
 16.43 -8.60 16.82 -2.50
2011
 -4.58 -19.34 -4.73 -18.66
2010
 14.53 -11.53 21.42 -13.05
2009
 31.75 -18.15 2.69 -18.63
2008
 -35.20 -38.59 -31.78 -31.78
2007
 9.10 -5.88 28.74 -3.51
2006
 20.04 -4.18 24.11 -3.01
2005
 12.34 -4.48 0.82 -9.09
2004
 17.30 -3.67 4.33 -11.43
2003
 35.45 -4.83 15.81 -15.19
2002
 -13.60 -22.30 -3.77 -11.64
2001
 -8.35 -20.79 6.48 -7.82
2000
 -6.41 -11.45 26.56 -21.57
1999
 27.16 -2.90 -19.86 -28.01
1998
 10.74 -18.63 52.17 -23.89
1997
 14.35 -5.90 34.90 -12.08
1996
 15.14 -4.52 6.23 -14.08
1995
 21.12 -1.87 57.35 -12.20
1994
 -1.23 -8.05 24.96 -5.36
1993
 29.97 -3.89 38.94 -6.85
1992
 2.72 -4.00 29.83 -4.20
1991
 36.99 -5.09 35.58 -5.92
1990
 -10.32 -18.78 -23.05 -32.28
1989
 31.85 -3.24 84.57 -4.35
1988
 22.55 -3.39 59.32 -2.08
1987
 1.77 -23.49 4.61 -31.28
1986
 26.81 -5.35 14.17 -15.87
1985
 36.53 -2.75 93.73 -5.90
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