Scott Burns Couch Potato vs Betterment Robo Advisor 50 Portfolio Comparison

Period: January 1985 - September 2024 (~40 years)
Consolidated Returns as of 30 September 2024
Rebalancing: at every Jan 1st
Currency: USD
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Scott Burns Couch Potato Portfolio
1.00$
Initial Capital
October 1994
11.54$
Final Capital
September 2024
8.49%
Yearly Return
8.71
Std Deviation
-27.04%
Max Drawdown
30 months
Recovery Period
Betterment Robo Advisor 50 Portfolio
1.00$
Initial Capital
October 1994
8.98$
Final Capital
September 2024
7.59%
Yearly Return
9.27
Std Deviation
-30.72%
Max Drawdown
30 months
Recovery Period
Scott Burns Couch Potato Portfolio
1.00$
Initial Capital
January 1985
36.02$
Final Capital
September 2024
9.44%
Yearly Return
9.06
Std Deviation
-27.04%
Max Drawdown
30 months
Recovery Period
Betterment Robo Advisor 50 Portfolio
1.00$
Initial Capital
January 1985
34.05$
Final Capital
September 2024
9.28%
Yearly Return
9.47
Std Deviation
-30.72%
Max Drawdown
30 months
Recovery Period

The Scott Burns Couch Potato Portfolio obtained a 8.49% compound annual return, with a 8.71% standard deviation, in the last 30 Years.

The Betterment Robo Advisor 50 Portfolio obtained a 7.59% compound annual return, with a 9.27% standard deviation, in the last 30 Years.

Returns as of Sep 30, 2024

The portfolios guaranteed the following returns.

RETURN COMPARISON
Period: 1 January 1985 - 30 September 2024 (~40 years)
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Return (%) as of Sep 30, 2024
YTD
(9M) 		1M 6M 1Y 5Y 10Y 30Y MAX
(~40Y)
Couch Potato
Scott Burns 		12.72 1.78 7.41 22.39 8.78 7.61 8.49 9.44
Robo Advisor 50
Betterment 		10.61 1.88 6.97 20.60 5.56 5.53 7.59 9.28
Return over 1 year are annualized.

Capital Growth as of Sep 30, 2024

Scott Burns Couch Potato Portfolio: an investment of 1$, since October 1994, now would be worth 11.54$, with a total return of 1054.20% (8.49% annualized).

Betterment Robo Advisor 50 Portfolio: an investment of 1$, since October 1994, now would be worth 8.98$, with a total return of 798.17% (7.59% annualized).


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Scott Burns Couch Potato Portfolio: an investment of 1$, since January 1985, now would be worth 36.02$, with a total return of 3501.62% (9.44% annualized).

Betterment Robo Advisor 50 Portfolio: an investment of 1$, since January 1985, now would be worth 34.05$, with a total return of 3305.40% (9.28% annualized).


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Metrics as of Sep 30, 2024

The following metrics, updated as of 30 September 2024, provide an overview of performance and risk.

METRIC COMPARISON
Period: 1 October 2023 - 30 September 2024 (1 year)
Period: 1 October 2019 - 30 September 2024 (5 years)
Period: 1 October 2014 - 30 September 2024 (10 years)
Period: 1 October 1994 - 30 September 2024 (30 years)
Period: 1 January 1985 - 30 September 2024 (~40 years)
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Couch Potato Robo Advisor 50
Author Scott Burns Betterment
ASSET ALLOCATION
Stocks 50% 49.9%
Fixed Income 50% 50.1%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 22.39 20.60
Infl. Adjusted Return (%) 19.73 17.98
DRAWDOWN
Deepest Drawdown Depth (%) -3.08 -2.71
Start to Recovery (months) 2 3
Longest Drawdown Depth (%) -1.75 -2.71
Start to Recovery (months) 2 3
Longest Negative Period (months) 2 2
RISK INDICATORS
Standard Deviation (%) 8.06 8.53
Sharpe Ratio 2.11 1.79
Sortino Ratio 2.83 2.48
Ulcer Index 0.98 0.95
Ratio: Return / Standard Deviation 2.78 2.42
Ratio: Return / Deepest Drawdown 7.27 7.61
Metrics calculated over the period 1 October 2023 - 30 September 2024
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Couch Potato Robo Advisor 50
Author Scott Burns Betterment
ASSET ALLOCATION
Stocks 50% 49.9%
Fixed Income 50% 50.1%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.78 5.56
Infl. Adjusted Return (%) 4.45 1.36
DRAWDOWN
Deepest Drawdown Depth (%) -19.77 -20.25
Start to Recovery (months) 27 31
Longest Drawdown Depth (%) -19.77 -20.25
Start to Recovery (months) 27 31
Longest Negative Period (months) 32 36
RISK INDICATORS
Standard Deviation (%) 11.46 11.35
Sharpe Ratio 0.58 0.30
Sortino Ratio 0.75 0.39
Ulcer Index 7.44 7.66
Ratio: Return / Standard Deviation 0.77 0.49
Ratio: Return / Deepest Drawdown 0.44 0.27
Metrics calculated over the period 1 October 2019 - 30 September 2024
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Couch Potato Robo Advisor 50
Author Scott Burns Betterment
ASSET ALLOCATION
Stocks 50% 49.9%
Fixed Income 50% 50.1%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 7.61 5.53
Infl. Adjusted Return (%) 4.64 2.62
DRAWDOWN
Deepest Drawdown Depth (%) -19.77 -20.25
Start to Recovery (months) 27 31
Longest Drawdown Depth (%) -19.77 -20.25
Start to Recovery (months) 27 31
Longest Negative Period (months) 32 39
RISK INDICATORS
Standard Deviation (%) 9.28 9.18
Sharpe Ratio 0.66 0.44
Sortino Ratio 0.87 0.58
Ulcer Index 5.48 5.75
Ratio: Return / Standard Deviation 0.82 0.60
Ratio: Return / Deepest Drawdown 0.38 0.27
Metrics calculated over the period 1 October 2014 - 30 September 2024
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Couch Potato Robo Advisor 50
Author Scott Burns Betterment
ASSET ALLOCATION
Stocks 50% 49.9%
Fixed Income 50% 50.1%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 8.49 7.59
Infl. Adjusted Return (%) 5.84 4.96
DRAWDOWN
Deepest Drawdown Depth (%) -27.04 -30.72
Start to Recovery (months) 30 30
Longest Drawdown Depth (%) -10.30 -20.25
Start to Recovery (months) 33 31
Longest Negative Period (months) 62 51
RISK INDICATORS
Standard Deviation (%) 8.71 9.27
Sharpe Ratio 0.71 0.57
Sortino Ratio 0.93 0.74
Ulcer Index 5.17 5.69
Ratio: Return / Standard Deviation 0.98 0.82
Ratio: Return / Deepest Drawdown 0.31 0.25
Metrics calculated over the period 1 October 1994 - 30 September 2024
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Couch Potato Robo Advisor 50
Author Scott Burns Betterment
ASSET ALLOCATION
Stocks 50% 49.9%
Fixed Income 50% 50.1%
Commodities 0% 0%
PERFORMANCES
Annualized Return (%) 9.44 9.28
Infl. Adjusted Return (%) 6.47 6.32
DRAWDOWN
Deepest Drawdown Depth (%) -27.04 -30.72
Start to Recovery (months) 30 30
Longest Drawdown Depth (%) -10.30 -20.25
Start to Recovery (months) 33 31
Longest Negative Period (months) 62 51
RISK INDICATORS
Standard Deviation (%) 9.06 9.47
Sharpe Ratio 0.70 0.65
Sortino Ratio 0.92 0.85
Ulcer Index 4.87 5.28
Ratio: Return / Standard Deviation 1.04 0.98
Ratio: Return / Deepest Drawdown 0.35 0.30
Metrics calculated over the period 1 January 1985 - 30 September 2024

Drawdowns

DRAWDOWN COMPARISON
Period: 1 October 1994 - 30 September 2024 (30 years)
Period: 1 January 1985 - 30 September 2024 (~40 years)

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Couch Potato Robo Advisor 50
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-30.72 30 Nov 2007
Apr 2010
-27.04 30 Nov 2007
Apr 2010
-20.25 31 Jan 2022
Jul 2024
-19.77 27 Jan 2022
Mar 2024
-13.31 8 Jan 2020
Aug 2020
-12.79 8 May 1998
Dec 1998
-10.86 13 May 2002
May 2003
-10.72 5 Feb 2020
Jun 2020
-10.30 33 Sep 2000
May 2003
-9.49 10 May 2011
Feb 2012
-8.54 14 Feb 2001
Mar 2002
-8.06 8 Sep 2018
Apr 2019
-8.06 5 Jul 1998
Nov 1998
-7.45 15 Feb 2018
Apr 2019
-7.06 15 May 2015
Jul 2016

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Couch Potato Robo Advisor 50
Drawdown
(%) 		Recovery
(#Months)		 From
To		 Drawdown
(%) 		Recovery
(#Months)		 From
To
-30.72 30 Nov 2007
Apr 2010
-27.04 30 Nov 2007
Apr 2010
-20.25 31 Jan 2022
Jul 2024
-19.77 27 Jan 2022
Mar 2024
-16.03 17 Sep 1987
Jan 1989
-14.26 14 Sep 1987
Oct 1988
-13.31 8 Jan 2020
Aug 2020
-12.79 8 May 1998
Dec 1998
-11.61 7 Aug 1990
Feb 1991
-10.86 13 May 2002
May 2003
-10.72 5 Feb 2020
Jun 2020
-10.30 33 Sep 2000
May 2003
-9.49 10 May 2011
Feb 2012
-8.78 14 Feb 1994
Mar 1995
-8.54 14 Feb 2001
Mar 2002

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
Rolling Returns Chart
Rolling Returns Chart - Inflation Adjusted
Time Period: 1 January 1985 - 30 September 2024 (~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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Couch Potato Robo Advisor 50
Year Return Drawdown Return Drawdown
2024
 12.72% -3.08% 10.61% -2.71%
2023
 14.66% -6.50% 12.46% -7.30%
2022
 -16.31% -19.77% -14.79% -20.25%
2021
 15.67% -2.76% 7.95% -2.64%
2020
 15.93% -10.72% 9.50% -13.31%
2019
 19.51% -2.63% 17.41% -2.78%
2018
 -3.32% -8.06% -5.36% -7.45%
2017
 12.07% 0.00% 14.19% 0.00%
2016
 8.75% -2.08% 8.00% -2.25%
2015
 -0.70% -5.47% -1.55% -6.85%
2014
 8.07% -2.34% 5.47% -2.43%
2013
 12.48% -3.18% 10.19% -3.88%
2012
 11.42% -2.32% 13.19% -4.36%
2011
 7.12% -6.25% 1.17% -9.49%
2010
 11.78% -6.09% 11.61% -5.51%
2009
 18.92% -9.98% 23.06% -11.58%
2008
 -18.47% -22.29% -19.44% -24.47%
2007
 8.64% -1.70% 8.19% -2.74%
2006
 7.99% -1.54% 13.22% -2.76%
2005
 4.40% -1.83% 9.54% -2.36%
2004
 10.53% -3.54% 12.75% -3.66%
2003
 19.38% -1.09% 24.96% -1.03%
2002
 -1.93% -6.44% -2.56% -10.86%
2001
 -1.68% -8.57% 1.49% -8.54%
2000
 3.54% -5.60% 1.53% -4.79%
1999
 9.67% -3.30% 17.87% -2.47%
1998
 16.26% -8.06% 8.83% -12.79%
1997
 21.85% -3.41% 10.06% -3.98%
1996
 11.14% -2.76% 13.19% -1.81%
1995
 29.40% 0.00% 20.93% -0.56%
1994
 -3.21% -8.78% -3.66% -7.31%
1993
 13.19% -1.53% 24.85% -2.42%
1992
 8.92% -2.25% 5.53% -2.73%
1991
 25.50% -2.55% 30.42% -3.25%
1990
 1.06% -7.58% -2.59% -11.61%
1989
 21.95% -1.62% 24.37% -1.05%
1988
 11.91% -2.50% 16.22% -2.20%
1987
 1.19% -16.03% 0.64% -14.26%
1986
 16.48% -5.55% 21.70% -4.04%
1985
 28.66% -1.87% 30.70% -1.22%