Schrodinger Robo Advisor Portfolio Review: 23 March 2026

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Passive is the name of the game with the Schrodinger portfolio.  This computer managed portfolio is housed at Schwab and is known as an “Intelligent Portfolio.”  Thus far it has been quite intelligent.

The update of prices are not reflected in the first screenshot below.  The portfolio is valued at over $164,000 and the owner continues to add modest dollars every month.

Schrodinger Security Holdings

The following slide shows the current makeup of the Schrodinger.  Few changes have occurred over the past several months.  I don’t recall when the last ETF was sold out of the portfolio.

I am watching to see how far the market must drop before the Schwab computers begin to invest cash in undervalued ETFs.

Interested investors should know that these “intelligent” portfolios are managed for free.  Since the Schrodinger is valued at over $50,000, Schwab will tax manage this portfolio.

Schrodinger Performance Data

Since 12/31/2021 the Schrodinger has outperformed all benchmarks tracked on this site.  The portfolio continues to best the S&P 500 (SPY).  Due to the wide diversification by Schrodinger this delta will be difficult to sustain in a bull market, but should widen in a bear market.

Schrodinger Risk Ratios

The Jensen Alpha value does a good job of tracking the overall market.  Remember last April when the market declined.  Jensen hit a low for the year.  The recent market hit is showing up in the February to March decline.

Over the entire year the slope of the Jensen is a strong 0.24.

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