What are the Robo Advisor Ellevest porfolios?
The Ellevest portfolios are exposed to between 50% stocks and 50% bonds and 100% stocks and 0% bonds. The Ellevest portfolios are low- to high-risk portfolios and can be built with up to 15 ETFs. For the past 10 years, the Ellevest Wealthbuilding Portfolio 8 has returned 9.13 with a standard deviation of 14.79.
The dividend yield is 2.13%. The 30 year return is 9.14%. Last year it returned 12.48%.
Article Contents
- Performance of robo-advisor Ellevest portfolios
- How do Ellevest’s portfolios compare to the best portfolios?
- Who is Robo Advisor Ellevest?
- Description of robo-advisor Ellevest portfolios
- What is the asset allocation for robo-advisor Ellevest portfolios?
- Resources for the robo-advisor Ellevest portfolios
- Suggestions for your next steps
Performance of robo-advisor Ellevest portfolios
Here is the return of the Ellevest portfolios when using our timeseries.
| Name | Asset class count | Year to date | Return in 2020 | 10 year return | CAGR since 1989 (%) | Risk level | Expense ratio |
|---|---|---|---|---|---|---|---|
| Ellevest Wealthbuilding Portfolio 1 | 13 | 6.17% | 9.46 | 6.84 | 7.58 | 2 | 0.07% |
| Ellevest Wealthbuilding Portfolio 2 | 14 | 6.85% | 9.75 | 7.17 | 7.82 | 2 | 0.07% |
| Ellevest Wealthbuilding Portfolio 3 | 15 | 7.37% | 9.95 | 7.46 | 8.13 | 2 | 0.07% |
| Ellevest Wealthbuilding Portfolio 4 | 14 | 9.23% | 11.41 | 8.4 | 8.75 | 3 | 0.06% |
| Ellevest Wealthbuilding Portfolio 5 | 13 | 9.86% | 11.84 | 8.71 | 8.93 | 3 | 0.06% |
| Ellevest Wealthbuilding Portfolio 6 | 13 | 10.54% | 12.48 | 9.13 | 9.14 | 3 | 0.06% |
| Ellevest Wealthbuilding Portfolio 7 | 13 | 9.86% | 11.84 | 8.71 | 8.93 | 3 | 0.06% |
| Ellevest Wealthbuilding Portfolio 8 | 13 | 10.54% | 12.48 | 9.13 | 9.14 | 3 | 0.06% |
| Ellevest Wealthbuilding Portfolio 9 | 12 | 11.17% | 13.01 | 9.43 | 9.3 | 3 | 0.06% |
| Ellevest Wealthbuilding Portfolio 10 | 13 | 10.54% | 12.48 | 9.13 | 9.14 | 3 | 0.06% |
| Ellevest Wealthbuilding Portfolio 11 | 12 | 11.17% | 13.01 | 9.43 | 9.3 | 3 | 0.06% |
| Ellevest Wealthbuilding Portfolio 12 | 12 | 11.81% | 13.49 | 9.7 | 9.41 | 3 | 0.06% |
How do Ellevest’s portfolios compare to the best portfolios?
Below you can see the returns of the best portfolios that we have benchmarked.
| Name | See Portfolio | Year to date | Return in 2020 | 10 year return | CAGR since 1989 (%) | Draw Down |
|---|---|---|---|---|---|---|
| Premium Portfolio |  | 15.92% | 18.29 | 13.84 | 10.77 | -37.63% |
| Premium Portfolio | | 8.30% | 18.11 | 8.63 | 11.14 | -44.87% |
| Premium Portfolio | | 13.48% | 19.7 | 12.84 | 10.49 | -32.77% |
| Premium Portfolio | | 20.78% | 3.19 | 8.52 | 10.59 | -36.46% |
| Premium Portfolio | | 20.17% | 3.66 | 8.62 | 10.48 | -36.35% |
| Premium Portfolio | | 15.18% | 21.03 | 13.78 | 10.83 | -37.00% |
| Premium Portfolio | | 19.24% | 8.7 | 11.56 | 10.65 | -35.26% |
| Premium Portfolio | | 15.41% | 7.48 | 8.39 | 10.64 | -37.91% |
| Premium Portfolio | | 16.16% | 5.36 | 10.88 | 11.23 | -35.43% |
| Premium Portfolio | | 20.81% | 3.42 | 10.21 | 10.47 | -40.85% |
Who is Robo Advisor Ellevest?
Ellevest was founded in 2014. It is a roboadvisor explicitly targeting women.
Ellevest competes with many other robo advisor firms such as Betterment, Wealthfront, and Wealthsimple.
Ellevest is fueled by the sentiment that many women feel intimated by investing. Ellevest tries to use empowering words and pictures to draw women to their platform.
Description of robo-advisor Ellevest portfolios
Morningstar builds the Ellevest portfolios. We have seen from the Morningstar’s portfolios that they love to have many asset classes.
Ellevest uses many portfolio asset classes for its portfolios. Ellevest also has many portfolios. They claim to have over a hundred.
For this reason, we decided only to benchmark a selected portion of Ellevest’s portfolios.
Here’s how we selected the portfolios.
We chose the goal of “wealth-building.” Within that goal, we chose the time frames:
- Five years
- Ten years
- Fifteen years
- Twenty years
Then, within each timeframe, you can select three risk levels
- Conservative
- Standard
- Aggressive
The timeframe tweaks the risk level very slightly.
We thus have 12 portfolios to benchmark (4 timeframes times three risk levels)
We give the portfolios a number ranging from 1 – 12, denoting their risk level. 12 is the portfolio with the most risk.
So portfolio 1 is for a timeframe of 5 years with a conservative level of risk. Portfolios 12 is for a timeframe of 20 years with an aggressive risk level.
Are you confused yet?
It gets even more confusing – hang in there.
Ellevest also has impact portfolios. These are socially responsible investing portfolios (ESG portfolios). They use very particular funds that do not have a long track record. If you want a socially responsible portfolio, we recommend checking our socially responsible investment portfolios that portfolioeinstein.com track.
You don’t need hundreds of portfolios to help your customers.
We are not (yet) tracking Ellevest’s impact portfolios.
Asset class choices
Morningstar, which has built the Ellevest portfolios, uses a lot of asset classes.
- Ellevest use muni bonds when you are close to your target (lower risk)
- They use REITs and junk bonds early on to capture as much return as possible
- They use some very rarely seen asset classes like the high yield municipal bonds (HYD). We use corporate bonds as a proxy for this. They have comparable returns and risk levels.
I was already impressed by the Morningstar portfolios, and Ellevest gives off the same impression.
They come off as being highly asset allocation clever. They use the right tools for the right job.
For all the complexity that the Ellevest portfolios display, some of the portfolios are identical. For example, portfolios 5 and 7 are the same. In Ellevest, these correspond to 10 years till goal on a standard risk level and 15 years till goal on a conservative risk level. The same goes for portfolios 6 and 8. And the same with 8 and 10 and 11 and 9.
Alright, let take a look at the performance.
What is the asset allocation for robo-advisor Ellevest portfolios?
| Name | Total US Market | International Developed | Large Cap Value | Mid Cap Value | Mid Cap Blend | Small Cap Value | Small Cap Blend | Emerging Markets | REITs | Cash | Intermediate Corp Bonds | Short Term Munis | Intermediate Terms Munis | Emerging Market Bonds | Int. REITs |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ellevest Wealthbuilding Portfolio 1 | 21.00% | 13.50% | 4.50% | 1.00% | 2.50% | 1.00% | 1.00% | 6.50% | 1.00% | 3.00% | 18.00% | 25.00% | 2.00% | ||
| Ellevest Wealthbuilding Portfolio 2 | 22.50% | 15.00% | 5.00% | 1.00% | 2.50% | 1.00% | 1.00% | 7.00% | 1.00% | 1.00% | 2.50% | 15.00% | 23.50% | 2.00% | |
| Ellevest Wealthbuilding Portfolio 3 | 24.00% | 14.50% | 6.00% | 1.50% | 2.50% | 1.00% | 1.00% | 8.50% | 1.00% | 1.00% | 2.00% | 12.50% | 22.00% | 1.50% | 1.00% |
| Ellevest Wealthbuilding Portfolio 4 | 29.00% | 19.00% | 7.00% | 1.50% | 3.00% | 1.50% | 2.50% | 10.50% | 1.00% | 1.00% | 1.50% | 5.00% | 16.50% | 1.00% | |
| Ellevest Wealthbuilding Portfolio 5 | 31.00% | 20.50% | 7.50% | 1.50% | 3.50% | 1.50% | 2.50% | 11.00% | 1.00% | 1.00% | 3.00% | 15.00% | 1.00% | ||
| Ellevest Wealthbuilding Portfolio 6 | 34.50% | 21.50% | 8.00% | 1.50% | 3.50% | 1.50% | 2.50% | 11.00% | 1.00% | 1.00% | 1.00% | 12.00% | 1.00% | ||
| Ellevest Wealthbuilding Portfolio 7 | 31.00% | 20.50% | 7.50% | 1.50% | 3.50% | 1.50% | 2.50% | 11.00% | 1.00% | 1.00% | 3.00% | 15.00% | 1.00% | ||
| Ellevest Wealthbuilding Portfolio 8 | 34.50% | 21.50% | 8.00% | 1.50% | 3.50% | 1.50% | 2.50% | 11.00% | 1.00% | 1.00% | 1.00% | 12.00% | 1.00% | ||
| Ellevest Wealthbuilding Portfolio 9 | 37.00% | 23.00% | 8.00% | 1.50% | 3.50% | 2.00% | 2.50% | 11.50% | 1.00% | 1.00% | 8.00% | 1.00% | |||
| Ellevest Wealthbuilding Portfolio 10 | 34.50% | 21.50% | 8.00% | 1.50% | 3.50% | 1.50% | 2.50% | 11.00% | 1.00% | 1.00% | 1.00% | 12.00% | 1.00% | ||
| Ellevest Wealthbuilding Portfolio 11 | 37.00% | 23.00% | 8.00% | 1.50% | 3.50% | 2.00% | 2.50% | 11.50% | 1.00% | 1.00% | 8.00% | 1.00% | |||
| Ellevest Wealthbuilding Portfolio 12 | 39.00% | 25.00% | 8.00% | 1.50% | 4.00% | 2.00% | 3.00% | 11.50% | 1.00% | 1.00% | 3.00% | 1.00% |
Resources for the robo-advisor Ellevest portfolios
Check out the Ellevest YouTube channel.
Suggestions for your next steps
Finding the correct portfolio is hard. Maintaining your portfolio is also daunting. If you are still in doubt about which portfolio to choose, we suggest you read our article How To Invest Money: 5 Simple Steps That Work For Anyone
If you have already committed to a portfolio – good for you! If you need help maintaining the portfolio you will find our rebalance worksheet useful. Rebalancing your portfolio lowers your risk and may provide higher returns in the long run. It is completely FREE.
You can find the rebalance worksheet in our article Here Is The Most Easy To Use Portfolio Rebalance Tool.
Rebalancing lowers your portfolio risk and may increase your returns.
If you want access to our high-performing portfolios then you need to take a look at the premium portfolios. This is a paid product that gives you the 59 best-performing portfolios since 1989. The portfolios represent a great opportunity for you to have a shot at increasing the returns of your portfolio.
