Feeling great about your investments right now? You should be (and not because we’ve all gotten a reprieve from the political drama of recent weeks).

So far this year, a Betterment portfolio with 70% stock (our average allocation) has returned over 11%.¹ It’s time to celebrate the rewards you’ve earned.

Automated investing, steady gains

When you’re willing to commit to a low-cost, diversified portfolio and bear the short-term risk (translation: hang tight when a crisis hits the fan), you’ll endure some bumps—but then you’re in for the upswing.

For example, if we look further back, since Betterment was launched in mid-2010, our portfolio has returned 41%. Not too shabby compared to your average savings account return of 1% or less.

“Be fearful when others are greedy, and greedy when others are fearful,” was the slogan Warren Buffett made famous, especially after the 2008 crash. Even more relevant today, Buffett also once suggested that the laws of physics should be applied to investing:

“For investors as a whole, returns decrease as motion increases,” he noted in a shareholder newsletter.

Or as we might say, returns increase as investor agitation decreases: Automated investing pays off. Since the darkest days of 2009—when fear was at its peak—our portfolio has returned a fist-pumping 101%.² You read that right—the Betterment portfolio has doubled in value over the past four years. That’s an average yearly return of 19%.

So if a friend or relative starts saying, “It’s times like these that prove investing is just too risky,” remind them to take a step back, and think about the returns they could have gotten from a simple, consistent investing plan. Not bad for doing nothing.

¹In order to provide the most widely useful metric, these calculations all assume a single deposit on the first day of the period and no further activity. Deposits, withdrawals and allocation changes throughout the period would all affect a customer’s actual returns. For more information on how we compute model returns, see here. We’ve updated our pricing structure since this article was published. Learn more at betterment.com/pricing.

²For information on how we compute model returns going back prior to Betterment’s launch, see here.