Patriot Portfolio™ Potential Returns
Explore your projected performance with our interactive chart. Adjust key variables—like which portfolio model you choose, how much you deposit, and how often you contribute—to see how your wealth could build over time.
This investment analysis tool presents hypothetical outcomes. Modeled portfolio performance isbased on the selected portfolio strategy, risk level, account type, initial investment, and Betterment's management fees. Projected performance assumes the portfolio maintains thetarget allocation for the entire period, is composed of its primary funds, includes fund fees, andreinvests dividends immediately. Individual performance results may vary over time.
This compliance documentation outlines the methodology, performance presentation, benchmark selection, and disclosures for the Patriot Portfolios. It is designed to meet SEC Marketing Rule requirements (Rule 206(4)-1).
Performance results are based on the historical performance of the underlying ETFs (ACVF, FDLS, YALL, IBD, and IEI where applicable). Data was sourced from Bloomberg, net of fund expenses, as of 8/19/25. Gross returns represent ETF performance without deduction of Monorail’s advisory fee. Net returns reflect a deduction of Monorail’s 0.40% annual advisory fee, applied pro rata. Results do not include trading costs or taxes, which may further reduce returns.
Past performance is not a guarantee of future results. Gross returns reflect ETF performance net of fund expenses. Net returns deduct Monorail’s 0.40% annual advisory fee. Data as of 8/19/25.
Gross returns are based on the historical performance of the underlying ETFs, net of their internal expense ratios, as of 8/19/25. Net returns reflect a deduction of Monorail’s standard 0.40% annual advisory fee, applied pro rata. Returns do not reflect trading costs or taxes, which may further reduce results. Benchmarks are based on a traditional stock/bond index blend (S&P 500 TR and Bloomberg U.S. Aggregate Bond Index) and do not apply values-based screening. Past performance is not indicative of future results.
In accordance with SEC Rule 206(4)-1(d)(1):
- Gross performance is presented only alongside net performance, with equal prominence and consistent methodology.
- Standardized time periods (1-year) are shown. Longer periods will be added as ETF data matures.
- All data sources and calculation methodologies are documented and archived.
- Updates will be made quarterly, with records retained for at least 5 years.
