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Betterment LLC

Betterment LLC Portfolio holdings

AUM $52.8B
1-Year Est. Return 15.34%
This Fund
S&P 500
This Quarter Est. Return
-1.04%
1 Year Est. Return
+15.34%
3 Year Est. Return
+36.15%
5 Year Est. Return
+27.3%
10 Year Est. Return
+91.33%
AUM
$52.8B
AUM Growth
+$305M
Cap. Flow
+$911M
Cap. Flow %
1.72%
Top 10 Hldgs %
67.53%
Holding
634
New
83
Increased
354
Reduced
176
Closed
19

Top Buys

1
SPYM
State Street SPDR Portfolio S&P 500 ETF
SPYM
+$643M
2
JCPB icon
JPMorgan Core Plus Bond ETF
JCPB
+$291M
3
SCHX icon
Schwab US Large- Cap ETF
SCHX
+$280M
4
VWOB icon
Vanguard Emerging Markets Government Bond ETF
VWOB
+$69.9M
5
MUB icon
iShares National Muni Bond ETF
MUB
+$63.8M

Top Sells

1
AGG icon
iShares Core US Aggregate Bond ETF
AGG
+$235M
2
VTI icon
Vanguard Total Stock Market ETF
VTI
+$216M
3
SPMD icon
State Street SPDR Portfolio S&P 400 Mid Cap ETF
SPMD
+$57.9M
4
EMB icon
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
+$52.5M
5
VEA icon
Vanguard FTSE Developed Markets ETF
VEA
+$43.4M

Sector Composition

1 Technology 0.05%
2 Communication Services 0.02%
3 Consumer Discretionary 0.02%
4 Financials 0.01%
5 Consumer Staples 0.01%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
VEA icon
1
Vanguard FTSE Developed Markets ETF
VEA
$226B
$8.84B 16.74%
137,930,799
-657,567
-0.5% -$43.4M
VTI icon
2
Vanguard Total Stock Market ETF
VTI
$658B
$7.87B 14.9%
24,526,707
-644,868
-3% -$216M
SPYM
3
State Street SPDR Portfolio S&P 500 ETF
SPYM
$157B
$7.01B 13.28%
91,626,856
+8,041,014
+10% +$643M
VWO icon
4
Vanguard FTSE Emerging Markets ETF
VWO
$119B
$2.88B 5.46%
53,371,727
-361,080
-0.7% -$20.2M
AGG icon
5
iShares Core US Aggregate Bond ETF
AGG
$139B
$2.37B 4.5%
23,905,376
-2,350,108
-9% -$235M
MUB icon
6
iShares National Muni Bond ETF
MUB
$45.5B
$2.08B 3.94%
19,583,732
+593,514
+3% +$63.8M
ITOT icon
7
iShares Core S&P Total US Stock Market ETF
ITOT
$93.7B
$1.51B 2.86%
10,617,929
-62,926
-0.6% -$9.36M
SPMD icon
8
State Street SPDR Portfolio S&P 400 Mid Cap ETF
SPMD
$18.1B
$1.2B 2.27%
20,199,297
-951,864
-5% -$57.9M
VTV icon
9
Vanguard Value ETF
VTV
$186B
$954M 1.81%
4,864,568
-109,422
-2% -$21.9M
BNDX icon
10
Vanguard Total International Bond ETF
BNDX
$82.2B
$932M 1.77%
19,400,574
-157,701
-0.8% -$7.65M
SPSM icon
11
State Street SPDR Portfolio S&P 600 Small Cap ETF
SPSM
$16.9B
$919M 1.74%
19,018,965
+261,446
+1% +$12.9M
IEFA icon
12
iShares Core MSCI EAFE ETF
IEFA
$186B
$839M 1.59%
9,262,506
-346,397
-4% -$32.3M
SCHX icon
13
Schwab US Large- Cap ETF
SCHX
$71.7B
$733M 1.39%
28,599,516
+10,450,588
+58% +$280M
GSLC icon
14
Goldman Sachs ActiveBeta US Large Cap Equity ETF
GSLC
$15.4B
$722M 1.37%
5,769,076
-236,640
-4% -$31M
JPST icon
15
JPMorgan Ultra-Short Income ETF
JPST
$39.8B
$691M 1.31%
13,652,039
+470,939
+4% +$23.8M
VOE icon
16
Vanguard Mid-Cap Value ETF
VOE
$23.5B
$690M 1.31%
3,741,881
-182,729
-5% -$34.1M
VBR icon
17
Vanguard Small-Cap Value ETF
VBR
$37.1B
$634M 1.2%
2,917,128
-102,538
-3% -$22.9M
GBIL icon
18
Goldman Sachs Access Treasury 0-1 Year ETF
GBIL
$7.68B
$611M 1.16%
6,099,166
+236,995
+4% +$23.7M
ESGU icon
19
iShares ESG Aware MSCI USA ETF
ESGU
$17.7B
$572M 1.08%
4,041,916
+117,320
+3% +$17.4M
SCHF icon
20
Schwab International Equity ETF
SCHF
$65.4B
$525M 0.99%
21,209,364
-651,134
-3% -$16.6M
TFI icon
21
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
$3.07B
$524M 0.99%
11,563,595
-542,670
-4% -$24.9M
EMB icon
22
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
$14.6B
$508M 0.96%
5,407,726
-546,595
-9% -$52.5M
STIP icon
23
iShares 0-5 Year TIPS Bond ETF
STIP
$15.8B
$464M 0.88%
4,487,580
+115,711
+3% +$11.9M
SCHB icon
24
Schwab US Broad Market ETF
SCHB
$43B
$395M 0.75%
15,717,854
-438,408
-3% -$11.5M
IEMG icon
25
iShares Core MSCI Emerging Markets ETF
IEMG
$149B
$394M 0.75%
5,653,446
-258,866
-4% -$18.7M
1
2 3 4 5

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Betterment LLC's Q1 2026 Portfolio in Review

As of Q1 2026, Betterment LLC held 634 positions worth $52.8B, up 0.58% from $52.5B the previous quarter. Its ten largest holdings account for 68% of the portfolio.

Betterment LLC's Q1 2026 filing shows 83 new, 354 increased, 176 reduced and 19 closed positions. Its largest new stake was Vanguard Core Plus Bond ETF: 176,641 shares worth $13.7M. The largest sale was iShares Core US Aggregate Bond ETF, an estimated $235M.

By sector, the portfolio is most concentrated in Technology at 0.05% of assets, up from 0.04% a quarter earlier, followed by Communication Services and Consumer Discretionary.

  • Betterment LLC's largest Q1 2026 buy was Vanguard Core Plus Bond ETF: 176,641 shares worth $13.7M.
  • Betterment LLC added most to State Street SPDR Portfolio S&P 500 ETF in Q1 2026, an estimated $643M increase.
  • Betterment LLC's biggest Q1 2026 reduction was iShares Core US Aggregate Bond ETF, cutting an estimated $235M.
  • Betterment LLC fully exited Return Stacked U.S. Stocks & Gold/Bitcoin ETF in Q1 2026, selling an estimated $584K.
  • Betterment LLC's ten largest holdings make up 68% of its $52.8B portfolio in Q1 2026.
  • Betterment LLC opened 83 new positions and closed 19 in Q1 2026.
  • Betterment LLC's portfolio value rose 0.58% quarter-over-quarter to $52.8B.

Based on Betterment LLC's 13F filing for Q1 2026, filed 14 May 2026.