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Digital Advice Report
Formerly The Robo Report
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Total Portfolio Returns
Data tables last updated: 6/30/2026
Returns are net of fees, and all returns for periods longer than one year are annualized.
Total Portfolio Returns ~60/40 Allocations
| Portfolio | 2Q 2026 | YTD | 1-Year Trailing | 2-Year Trailing (Annualized) | 3-Year Trailing (Annualized) | 4-Year Trailing (Annualized) | 5-Year Trailing (Annualized) | 6-Year Trailing (Annualized) | 7-Year Trailing (Annualized) | 8-Year Trailing (Annualized) |
|---|---|---|---|---|---|---|---|---|---|---|
| Acorns (1) | 9.25% | 7.64% | 15.26% | 12.38% | 11.89% | 10.66% | 5.45% | 8.25% | 7.46% | 7.29% |
| Ally Invest Robo Portfolios (9) | 8.25% | 8.02% | 16.21% | 13.86% | 12.73% | 11.74% | 6.32% | 9.06% | 8.03% | 7.82% |
| Axos Invest (8) | 8.22% | 6.69% | 14.03% | 13.21% | 12.79% | 12.10% | 6.48% | 9.55% | 8.77% | 8.57% |
| Betterment (27) | 9.46% | 9.04% | 18.60% | 14.94% | 13.72% | 12.44% | 6.67% | 10.02% | 8.62% | 8.29% |
| Betterment Broad Impact SRI (32) | 9.55% | 7.83% | 16.12% | 13.54% | 12.85% | 12.30% | 6.47% | - | - | - |
| Betterment Climate Impact SRI (32) | 9.46% | 7.25% | 15.57% | 14.03% | 13.53% | 12.70% | 6.78% | - | - | - |
| Betterment Social Impact SRI (32) | 9.65% | 8.07% | 16.37% | 13.84% | 13.26% | 12.34% | 6.34% | - | - | - |
| Betterment SRI (legacy) (27) | 9.92% | 9.04% | 17.94% | 14.14% | 12.90% | 12.11% | 6.36% | 9.33% | 8.27% | 7.98% |
| Betterment Innovative Technology (32) | 11.27% | 10.48% | 20.11% | - | - | - | - | - | - | - |
| Citi Wealth Builder (40) | 9.44% | 8.11% | 16.96% | 14.78% | 14.02% | 12.31% | 6.90% | 9.98% | - | - |
| Citizens Bank SpeciFi (7) | 9.50% | 8.95% | 17.85% | 14.97% | 14.08% | 12.79% | 6.63% | 9.68% | 8.71% | - |
| E*Trade Core (21) | 9.85% | 8.66% | 17.27% | 14.28% | 13.47% | 11.99% | 6.29% | 9.34% | 8.44% | 8.15% |
| E*Trade Core SRI (23) | 11.53% | 9.13% | 18.46% | 13.56% | 12.80% | 12.05% | 6.85% | 9.90% | 8.78% | - |
| Edelman Financial Engines (EMAP) (4) | 9.06% | 7.19% | 14.98% | 12.33% | 11.54% | 10.68% | 4.91% | 8.20% | 7.31% | - |
| Fidelity Go (33) | 9.36% | 8.12% | 17.29% | 13.76% | 13.53% | 13.09% | 7.65% | 10.43% | 9.29% | 8.95% |
| Interactive Advisors (24) | 6.58% | 7.53% | 14.49% | 12.59% | 11.15% | 9.91% | 5.17% | 7.95% | 6.96% | - |
| Merrill Guided Investing (31) | 9.55% | 8.10% | 17.27% | 13.00% | 12.41% | 11.84% | 6.86% | 9.76% | 8.59% | 8.23% |
| Merrill Guided Investing SRI (31) | 9.66% | 7.79% | 16.05% | 13.52% | 12.81% | 11.83% | 6.16% | 9.24% | 8.78% | - |
| Empower (Personal Capital) (4) | 6.96% | 8.17% | 16.99% | 14.82% | 13.65% | 12.41% | 7.17% | 10.71% | 9.18% | 8.55% |
| Robinhood (3) | 8.35% | 6.21% | 13.66% | - | - | - | - | - | - | - |
| Schwab Intelligent Portfolios (5) | 7.51% | 8.78% | 18.20% | 14.28% | 12.64% | 11.57% | 6.54% | 9.73% | 8.17% | 7.55% |
| Schwab Domestic Focus (5) | 8.51% | 9.94% | 19.39% | 14.01% | 12.89% | 12.22% | 7.24% | 10.94% | 9.14% | - |
| SigFig (6) | 9.22% | 8.02% | 17.03% | 14.71% | 13.78% | 12.36% | 6.66% | 9.48% | 8.98% | 8.66% |
| SoFi (17) | 11.74% | 9.72% | 19.49% | 15.75% | 15.21% | 14.15% | 8.05% | 10.92% | 9.99% | 9.41% |
| Stash Smart Portfolio (30) | 8.05% | 6.70% | 14.31% | 13.02% | 12.51% | 12.12% | 5.47% | - | - | - |
| TD Automated Investing (7) | 9.84% | 8.20% | 17.37% | 14.97% | 14.21% | 12.94% | - | - | - | - |
| Vanguard Digital Advisor (7) | 7.53% | 6.40% | 13.62% | 12.39% | 11.94% | 11.31% | 5.97% | 8.68% | - | - |
| Vanguard Personal Advisor (43) | 9.57% | 7.98% | 17.11% | 13.72% | 13.42% | 12.71% | 7.19% | 10.11% | 9.04% | 8.59% |
| Wealthfront (Risk 4.0 ; 2016) (44) | 8.86% | 9.44% | 18.41% | 13.98% | 13.28% | 12.34% | 7.56% | 11.00% | 9.62% | 9.05% |
| Wealthfront (Risk 4.0 ; 2018) (44) | 9.68% | 8.03% | 17.18% | 14.00% | 13.56% | 12.68% | 7.10% | 9.95% | 9.02% | 8.66% |
| Wells Fargo Intuitive Investor (14) | 8.69% | 8.16% | 16.28% | 14.22% | 13.93% | 12.81% | 6.13% | 9.64% | 8.68% | 8.28% |
| Webull (2) | 8.76% | 7.15% | 15.32% | - | - | - | - | - | - | - |
| Zacks Advantage (29) | 8.31% | 7.36% | 14.92% | 12.02% | 11.84% | 11.27% | 6.78% | 9.76% | 8.78% | 8.34% |
Total Portfolio Returns vs. Normalized Benchmark ~60/40 Allocations
| Portfolio | 2Q 2026 Return vs. Benchmark | YTD Return vs. Benchmark | 1-Year Trailing Return Above/Below Benchmark | 2-Year Trailing Return Above/Below Benchmark (Annualized) | 3-Year Trailing Return Above/Below Benchmark (Annualized) | 4-Year Trailing Return Above/Below Benchmark (Annualized) | 5-Year Trailing Return Above/Below Benchmark (Annualized) | 6-Year Trailing Return Above/Below Benchmark (Annualized) | 7-Year Trailing Return Above/Below Benchmark (Annualized) | 8-Year Trailing Return Above/Below Benchmark (Annualized) |
|---|---|---|---|---|---|---|---|---|---|---|
| Acorns (1) | -0.08% | -0.33% | -1.29% | -1.94% | -1.73% | -1.98% | -1.56% | 8.55% | 7.76% | -1.40% |
| Ally Invest Robo Portfolios (9) | -0.87% | 0.22% | -0.08% | -0.26% | -0.68% | -0.74% | -0.53% | 9.36% | 8.33% | -0.70% |
| Axos Invest (8) | -2.35% | -2.33% | -4.10% | -2.11% | -1.70% | -1.44% | -1.03% | 9.85% | 9.07% | -0.56% |
| Betterment (27) | 0.03% | 0.98% | 1.61% | 0.21% | -0.39% | -0.85% | -0.64% | 10.32% | 8.92% | -0.75% |
| Betterment Broad Impact SRI (32) | 0.70% | 0.27% | 0.03% | -0.56% | -0.70% | -0.38% | -0.47% | - | - | - |
| Betterment Climate Impact SRI (32) | 0.58% | -0.35% | -0.68% | -0.14% | 0.06% | 0.09% | -0.15% | - | - | - |
| Betterment Social Impact SRI (32) | 0.86% | 0.55% | 0.41% | -0.14% | -0.17% | -0.24% | -0.54% | - | - | - |
| Betterment SRI (legacy) (27) | 1.06% | 1.47% | 1.91% | 0.11% | -0.55% | -0.49% | -0.51% | 9.63% | 8.57% | -0.59% |
| Betterment Innovative Technology (32) | 2.25% | 2.77% | 3.95% | - | - | - | - | - | - | - |
| Citi Wealth Builder (40) | -0.19% | -0.12% | -0.22% | -0.04% | -0.09% | -0.77% | -0.42% | 10.28% | - | - |
| Citizens Bank SpeciFi (7) | -0.42% | 0.48% | 0.29% | -0.12% | -0.36% | -0.73% | -0.87% | 9.98% | 9.01% | - |
| E*Trade Core (21) | 0.26% | 0.46% | 0.45% | -0.20% | -0.41% | -1.11% | -0.95% | 9.64% | 8.74% | -0.66% |
| E*Trade Core SRI (23) | 1.89% | 0.89% | 1.56% | -0.95% | -1.05% | -0.99% | -0.36% | 10.20% | 9.08% | - |
| Edelman Financial Engines (EMAP) (4) | -0.49% | -0.97% | -2.34% | -2.68% | -2.81% | -2.73% | -2.54% | 8.50% | 7.61% | - |
| Fidelity Go (33) | 0.55% | 0.59% | 1.44% | -0.09% | 0.27% | 0.64% | 0.89% | 10.73% | 9.59% | 0.42% |
| Interactive Advisors (24) | -1.42% | 0.69% | -0.15% | -0.36% | -1.20% | -1.66% | -0.97% | 8.25% | 7.26% | - |
| Merrill Guided Investing (31) | 0.36% | 0.25% | 0.93% | -1.12% | -0.96% | -0.64% | 0.02% | 10.06% | 8.89% | -0.35% |
| Merrill Guided Investing SRI (31) | 0.41% | -0.12% | -0.42% | -0.67% | -0.60% | -0.75% | -0.72% | 9.54% | 9.08% | - |
| Empower (Personal Capital) (4) | -3.84% | -1.05% | -2.22% | -1.56% | -2.08% | -2.40% | -1.21% | 11.01% | 9.48% | -1.47% |
| Robinhood (3) | 0.00% | -0.93% | -1.45% | - | - | - | - | - | - | - |
| Schwab Intelligent Portfolios (5) | -1.32% | 1.23% | 2.15% | 0.26% | -0.69% | -0.82% | -0.22% | 10.03% | 8.47% | -0.82% |
| Schwab Domestic Focus (5) | -0.09% | 2.59% | 3.84% | 0.32% | -0.34% | -0.22% | 0.46% | 11.24% | 9.44% | - |
| SigFig (6) | -0.20% | -0.03% | 0.24% | 0.24% | 0.10% | -0.34% | -0.36% | 9.78% | 9.28% | -0.09% |
| SoFi (17) | 2.27% | 1.62% | 2.77% | 1.33% | 1.52% | 1.45% | 1.00% | 11.22% | 10.29% | 0.69% |
| Stash Smart Portfolio (30) | -0.80% | -0.86% | -1.68% | -0.94% | -0.85% | -0.49% | -1.36% | - | - | - |
| TD Automated Investing (7) | 0.22% | -0.02% | -0.13% | -0.16% | -0.19% | -0.53% | - | - | - | - |
| Vanguard Digital Advisor (7) | -0.08% | -0.11% | -0.48% | -0.15% | 0.00% | 0.08% | -0.04% | 8.98% | - | - |
| Vanguard Personal Advisor (43) | 0.63% | 0.34% | 0.93% | -0.39% | -0.02% | 0.20% | 0.30% | 10.41% | 9.34% | -0.02% |
| Wealthfront (Risk 4.0 ; 2016) (44) | -0.51% | 1.43% | 1.56% | -0.59% | -0.55% | -0.65% | 0.52% | 11.30% | 9.92% | 0.16% |
| Wealthfront (Risk 4.0 ; 2018) (44) | -0.16% | -0.38% | -0.32% | -1.01% | -0.65% | -0.57% | -0.24% | 10.25% | 9.32% | -0.23% |
| Wells Fargo Intuitive Investor (14) | -0.78% | 0.06% | -0.84% | -0.63% | -0.27% | -0.48% | -1.17% | 9.94% | 8.98% | -0.67% |
| Webull (2) | -0.52% | -0.78% | -1.26% | - | - | - | - | - | - | - |
| Zacks Advantage (29) | -0.71% | -0.35% | -1.47% | -2.26% | -1.74% | -1.32% | -0.14% | 10.06% | 9.08% | -0.26% |
Total Portfolio Returns Non-60/40 Allocations
| Portfolio | 2Q 2026 | YTD | 1-Year Trailing | 2-Year Trailing (Annualized) | 3-Year Trailing (Annualized) | 4-Year Trailing (Annualized) | 5-Year Trailing (Annualized) | 6-Year Trailing (Annualized) | 7-Year Trailing (Annualized) | 8-Year Trailing (Annualized) |
|---|---|---|---|---|---|---|---|---|---|---|
| T Rowe Price ActivePlus Portfolios IRA (13) | 12.97% | 11.90% | 22.76% | 17.03% | 17.26% | 16.61% | 8.20% | 13.58% | 11.75% | 10.92% |
Total Portfolio Returns vs. Normalized Benchmark Non-60/40 Allocations
| Portfolio | 2Q 2026 Return vs. Benchmark | YTD Return vs. Benchmark | 1-Year Trailing Return Above/Below Benchmark | 2-Year Trailing Return Above/Below Benchmark (Annualized) | 3-Year Trailing Return Above/Below Benchmark (Annualized) | 4-Year Trailing Return Above/Below Benchmark (Annualized) | 5-Year Trailing Return Above/Below Benchmark (Annualized) | 6-Year Trailing Return Above/Below Benchmark (Annualized) | 7-Year Trailing Return Above/Below Benchmark (Annualized) | 8-Year Trailing Return Above/Below Benchmark (Annualized) |
|---|---|---|---|---|---|---|---|---|---|---|
| T Rowe Price ActivePlus Portfolios IRA (13) | -1.15% | -0.08% | -1.67% | -3.16% | -2.40% | -2.19% | -2.65% | 13.88% | 12.05% | -1.54% |
Total Portfolio Annual Returns
| Portfolio | Equity % of Portfolio | 2025 Total | 2024 Total | 2023 Total | 2022 Total | 2021 Total | 2020 Total | 2019 Total | 2018 Total | 2017 Total | 2016 Total |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Acorns (1) | 62% | 13.30% | 9.64% | 12.81% | -16.69% | 12.09% | 10.19% | 20.14% | -6.04% | 12.48% | 7.64% |
| Ally Invest Robo Portfolios (9) | 61% | 15.61% | 8.86% | 13.91% | -14.77% | 10.81% | 10.89% | 18.69% | -5.35% | - | - |
| Axos Invest (8) | 67% | 14.94% | 10.44% | 15.76% | -15.79% | 12.56% | 13.53% | 21.10% | -5.69% | 15.42% | 7.98% |
| Betterment (27) | 67% | 16.19% | 10.08% | 13.40% | -14.48% | 11.19% | 11.59% | 18.97% | -6.92% | 15.98% | 7.14% |
| Betterment Broad Impact SRI (32) | 61% | 15.94% | 9.81% | 14.57% | -15.63% | 10.52% | - | - | - | - | - |
| Betterment Climate Impact SRI (32) | 64% | 15.99% | 11.90% | 15.06% | -16.22% | 10.58% | - | - | - | - | - |
| Betterment Social Impact SRI (32) | 61% | 15.61% | 11.02% | 14.52% | -16.51% | 9.89% | - | - | - | - | - |
| Betterment SRI (legacy) (27) | 60% | 16.10% | 7.97% | 14.12% | -15.25% | 11.51% | 11.59% | 18.51% | -6.18% | - | - |
| Betterment Innovative Technology (32) | 61% | - | - | - | - | - | - | - | - | - | - |
| Citi Wealth Builder (40) | 65% | 16.82% | 10.90% | 12.82% | -14.23% | 12.37% | - | - | - | - | - |
| Citizens Bank SpeciFi (7) | 67% | 17.26% | 10.06% | 15.13% | -16.64% | 10.09% | 13.42% | 18.98% | - | - | - |
| E*Trade Core (21) | 65% | 14.96% | 10.55% | 13.85% | -15.47% | 10.32% | 13.02% | 19.66% | -6.06% | 14.12% | - |
| E*Trade Core SRI (23) | 65% | 14.22% | 9.24% | 14.39% | -13.80% | 13.58% | 11.11% | 18.59% | - | - | - |
| Edelman Financial Engines (EMAP) (4) | 67% | 12.81% | 8.86% | 14.89% | -18.50% | 12.13% | 12.03% | 17.94% | - | - | - |
| Fidelity Go (33) | 61% | 14.68% | 11.57% | 15.75% | -13.20% | 13.14% | 11.55% | 19.05% | -4.59% | 15.49% | - |
| Interactive Advisors (24) | 80% | 13.96% | 6.74% | 10.61% | -12.90% | 9.84% | 9.68% | 16.94% | - | - | - |
| Merrill Guided Investing (31) | 64% | 13.12% | 10.17% | 14.39% | -13.02% | 13.43% | 10.26% | 17.57% | -4.92% | - | - |
| Merrill Guided Investing SRI (31) | 64% | 14.47% | 10.53% | 14.65% | -16.68% | 11.85% | 16.24% | 18.80% | - | - | - |
| Empower (Personal Capital) (4) | 75% | 16.17% | 10.49% | 13.51% | -13.12% | 13.76% | 11.83% | 19.60% | -7.90% | 14.30% | 9.26% |
| Robinhood (3) | 58% | - | - | - | - | - | - | - | - | - | - |
| Schwab Intelligent Portfolios (5) | 61% | 15.83% | 7.42% | 12.66% | -11.85% | 11.53% | 8.89% | 17.20% | -6.94% | 15.31% | 10.75% |
| Schwab Domestic Focus (5) | 59% | 13.05% | 9.10% | 14.36% | -11.58% | 15.32% | 9.51% | - | - | - | - |
| SigFig (6) | 64% | 16.62% | 10.92% | 14.21% | -15.63% | 10.39% | 15.46% | 19.22% | -5.60% | 16.28% | 8.62% |
| SoFi (17) | 67% | 16.20% | 13.18% | 16.32% | -15.48% | 13.07% | 13.96% | 18.83% | -5.38% | - | - |
| Stash Smart Portfolio (30) | 61% | 14.77% | 11.10% | 16.58% | -19.59% | - | - | - | - | - | - |
| T Rowe Price ActivePlus Portfolios IRA (13) | 100% | 18.49% | 13.74% | 21.25% | -21.79% | 18.36% | 18.85% | 26.89% | -8.35% | - | - |
| TD Automated Investing (7) | 70% | 16.01% | 12.77% | 14.83% | -16.99% | - | - | - | - | - | - |
| Vanguard Digital Advisor (7) | 52% | 13.53% | 9.83% | 15.04% | -15.06% | 10.40% | - | - | - | - | - |
| Vanguard Personal Advisor (43) | 63% | 14.42% | 11.61% | 15.28% | -14.12% | 12.57% | 12.16% | 18.70% | -5.36% | 15.58% | 5.51% |
| Wealthfront (Risk 4.0 ; 2016) (44) | 64% | 13.54% | 10.77% | 13.33% | -10.56% | 14.77% | 11.78% | 18.61% | -5.67% | 15.38% | - |
| Wealthfront (Risk 4.0 ; 2018) (44) | 67% | 14.15% | 12.11% | 14.98% | -14.14% | 11.13% | 13.17% | 18.60% | - | - | - |
| Wells Fargo Intuitive Investor (14) | 67% | 14.69% | 12.24% | 15.53% | -18.10% | 10.41% | 15.49% | 19.76% | -5.90% | - | - |
| Webull (2) | 62% | - | - | - | - | - | - | - | - | - | - |
| Zacks Advantage (29) | 64% | 11.42% | 11.29% | 13.38% | -12.21% | 14.45% | 11.75% | 17.87% | -4.72% | - | - |