I have been a Betterment customer since 2014 - robo-advisor-driven portfolio since the start of my retirement journey.
Been 90% stocks/10% bonds the whole time, though the underlying basket has shifted a few times as I made decisions about how to skew the basket using Betterment's portfolio options.
8 years on, I have a total annualized return of 4.9%, with Betterment saying "All performance figures displayed reflect the actual performance of your account since its creation in terms of total time-weighted returns, net of Betterment's management fee, fund fees, and certain other fees, if applicable."
The most volatile part of my retirement journey has been how much money I am able to contribute in a given month; some of these years I've had the job security and consistent income to dollar cost average the whole year's worth of contributions every 2 weeks or every month; other years I've had to wait until some amount of money became available to do a more "lump sum" contribution.
Thank you for your comment as far as it can at least help me set expectations for how I might see this performance number continue to go up and down over time!
Been 90% stocks/10% bonds the whole time, though the underlying basket has shifted a few times as I made decisions about how to skew the basket using Betterment's portfolio options.
8 years on, I have a total annualized return of 4.9%, with Betterment saying "All performance figures displayed reflect the actual performance of your account since its creation in terms of total time-weighted returns, net of Betterment's management fee, fund fees, and certain other fees, if applicable."
The most volatile part of my retirement journey has been how much money I am able to contribute in a given month; some of these years I've had the job security and consistent income to dollar cost average the whole year's worth of contributions every 2 weeks or every month; other years I've had to wait until some amount of money became available to do a more "lump sum" contribution.
Thank you for your comment as far as it can at least help me set expectations for how I might see this performance number continue to go up and down over time!