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Betterment LLC Portfolio holdings
AUM
$59.1B
1-Year Est. Return
18.41%
This Fund
S&P 500
This Quarter
Est. Return
+5.94%
1 Year Est. Return
+18.41%
3 Year Est. Return
+46.26%
5 Year Est. Return
+34.87%
10 Year Est. Return
+109.51%
AUM
$50.6B
AUM Growth
+$3.64B
(+7.7%)
Cap. Flow
+$854M
Cap. Flow
% of AUM
1.69%
Top 10 Holdings %
Top 10 Hldgs %
68.39%
Holding
531
New
34
Increased
296
Reduced
190
Closed
9
Avg Time Held
12.3
quarters
Top 10 Avg Time Held
26.6
quarters
Top 20 Avg Time Held
25.1
quarters
Top Buys
| Rank | Stock | Value |
|---|---|---|
| 1 |
State Street SPDR Portfolio S&P 500 ETF
SPYM
|
+$350M |
| 2 |
Vanguard Tax-Exempt Bond Index Fund
VTEB
|
+$299M |
| 3 |
Vanguard FTSE Developed Markets ETF
VEA
|
+$196M |
| 4 |
iShares Core US Aggregate Bond ETF
AGG
|
+$149M |
| 5 |
Vanguard Emerging Markets Government Bond ETF
VWOB
|
+$122M |
Top Sells
| Rank | Stock | Value |
|---|---|---|
| 1 |
Vanguard Morningstar Total Stock Market ETF
VTI
|
+$165M |
| 2 |
iShares National Muni Bond ETF
MUB
|
+$130M |
| 3 |
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
|
+$110M |
| 4 |
iShares Core S&P Total US Stock Market ETF
ITOT
|
+$47.1M |
| 5 |
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
|
+$23M |
Sector Composition
| Rank | Sector | Weight |
|---|---|---|
| 1 | Miscellaneous | 99.93% |
| 2 | Technology | 0.03% |
| 3 | Consumer Discretionary | 0.01% |
| 4 | Communication Services | 0.01% |
| 5 | Financials | 0.01% |
| Name | Market Value | Portfolio Weight | Shares or Principal |
Change in Stake | Capital Flow | Held Since | |
|---|---|---|---|---|---|---|---|
226
Fidelity Enhanced Large Cap Core ETF
FELC
$8.78B
| $1.95M | ﹤0.01% |
52,381
+5,923
| +13% | +$212K |
2025 Q1
2 quarters
|
|
227
iShares Core 1-5 Year USD Bond ETF
ISTB
$5.11B
| $1.93M | ﹤0.01% |
39,525
-397
| -1% | -$19.3K |
2021 Q1
18 quarters
|
|
228
iShares TIPS Bond ETF
TIP
$14.2B
| $1.93M | ﹤0.01% |
17,353
+197
| +1% | +$21.8K |
2020 Q2
21 quarters
|
|
229
First Trust Exchange-Traded Fund IV First Trust High Income Strategic Focus ETF
HISF
$95.7M
| $1.91M | ﹤0.01% |
+42,374
| New | +$1.9M |
2025 Q3
0 quarters
|
|
230
Schwab Fundamental International Large Company Index ETF
FNDF
$25.4B
| $1.9M | ﹤0.01% |
44,296
-143
| -0.3% | -$5.95K |
2021 Q3
16 quarters
|
|
231
State Street SPDR MSCI EAFE StrategicFactors ETF
QEFA
$1.01B
| $1.9M | ﹤0.01% |
21,630
+422
| +2% | +$36.4K |
2023 Q1
10 quarters
|
|
232
iShares Interest Rate Hedged Corporate Bond ETF
LQDH
$587M
| $1.79M | ﹤0.01% |
+19,127
| New | +$1.78M |
2025 Q3
0 quarters
|
|
233
Dimensional Emerging Markets High Profitability ETF
DEHP
$455M
| $1.77M | ﹤0.01% |
58,119
+4,382
| +8% | +$128K |
2023 Q1
10 quarters
|
|
234
PGIM Ultra Short Bond ETF
PULS
$19.4B
| $1.73M | ﹤0.01% |
34,676
+1,962
| +6% | +$97.5K |
2023 Q4
7 quarters
|
|
235
iShares US Equity Factor ETF
LRGF
$3.76B
| $1.71M | ﹤0.01% |
24,771
+204
| +0.8% | +$13.6K |
2024 Q4
3 quarters
|
|
236
Goldman Sachs Ultra Short Municipal Income ETF
GUMI
$60.1M
| $1.71M | ﹤0.01% |
+33,954
| New | +$1.71M |
2025 Q3
0 quarters
|
|
237
Schwab Intermediately-Term US Treasury ETF
SCHR
$13.1B
| $1.7M | ﹤0.01% |
67,774
+3,543
| +6% | +$88.5K |
2023 Q1
10 quarters
|
|
238
Avantis International Equity ETF
AVDE
$19.1B
| $1.7M | ﹤0.01% |
21,494
+6,226
| +41% | +$474K |
2024 Q2
5 quarters
|
|
239
Dimensional International High Profitability ETF
DIHP
$6.47B
| $1.69M | ﹤0.01% |
55,660
+8,063
| +17% | +$240K |
2023 Q1
10 quarters
|
|
240
First Trust SMID Cap Rising Dividend Achievers ETF
SDVY
$11B
| $1.69M | ﹤0.01% |
44,416
+5,522
| +14% | +$205K |
2024 Q3
4 quarters
|
|
241
Alphabet (Google) Class C
GOOG
$4.25T
| $1.68M | ﹤0.01% |
6,897
+593
| +9% | +$125K |
2024 Q1
6 quarters
|
|
242
iShares MSCI USA Momentum Factor ETF
MTUM
$20.5B
| $1.67M | ﹤0.01% |
6,513
-718
| -10% | -$176K |
2021 Q1
18 quarters
|
|
243
VanEck High Yield Muni ETF
HYD
$3.91B
| $1.67M | ﹤0.01% |
32,785
-69,856
| -68% | -$3.48M |
2016 Q2
37 quarters
|
|
244
SGI Enhanced Nasdaq-100 ETF
QXQ
$86.5M
| $1.67M | ﹤0.01% |
53,700
+2,669
| +5% | +$78.9K |
2024 Q3
4 quarters
|
|
245
Vanguard Morningstar Mega Cap Growth ETF
MGK
$35.2B
| $1.61M | ﹤0.01% |
20,020
-25
| -0.1% | -$1.92K |
2021 Q4
15 quarters
|
|
246
iShares iBoxx $ High Yield Corporate Bond ETF
HYG
$17.3B
| $1.58M | ﹤0.01% |
19,527
-635
| -3% | -$51.2K |
2023 Q2
9 quarters
|
|
247
State Street SPDR Bloomberg High Yield Bond ETF
JNK
$6.26B
| $1.56M | ﹤0.01% |
15,915
-285
| -2% | -$27.7K |
2022 Q1
14 quarters
|
|
248
WisdomTree Yield Enhanced US Aggregate Bond Fund
AGGY
$889M
| $1.54M | ﹤0.01% |
34,759
+698
| +2% | +$30.6K |
2021 Q4
15 quarters
|
|
249
Schwab Fundamental Emerging Markets Large Company Index ETF
FNDE
$10.5B
| $1.54M | ﹤0.01% |
42,467
+722
| +2% | +$24.9K |
2022 Q4
11 quarters
|
|
250
First Trust North American Energy Infrastructure Fund
EMLP
$4.05B
| $1.52M | ﹤0.01% |
39,679
+591
| +2% | +$22.3K |
2015 Q2
41 quarters
|
|
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Betterment LLC's Q3 2025 Portfolio in Review
As of Q3 2025, Betterment LLC held 531 positions worth $50.6B, up 7.7% from $47B the previous quarter. Its ten largest holdings account for 68% of the portfolio.
Betterment LLC's Q3 2025 filing shows 34 new, 296 increased, 190 reduced and 9 closed positions. Its largest new stake was iShares Broad USD Investment Grade Corporate Bond ETF: 292,300 shares worth $15.3M. The largest sale was Vanguard Morningstar Total Stock Market ETF, an estimated $165M.
By sector, the portfolio is most concentrated in Miscellaneous at 100% of assets, down from 100% a quarter earlier, followed by Technology and Consumer Discretionary.
- Betterment LLC's largest Q3 2025 buy was iShares Broad USD Investment Grade Corporate Bond ETF: 292,300 shares worth $15.3M.
- Betterment LLC added most to State Street SPDR Portfolio S&P 500 ETF in Q3 2025, an estimated $350M increase.
- Betterment LLC's biggest Q3 2025 reduction was Vanguard Morningstar Total Stock Market ETF, cutting an estimated $165M.
- Betterment LLC fully exited iShares MSCI ACWI ETF in Q3 2025, selling an estimated $332K.
- Betterment LLC's ten largest holdings make up 68% of its $50.6B portfolio in Q3 2025.
- Betterment LLC opened 34 new positions and closed 9 in Q3 2025.
- Betterment LLC's portfolio value rose 7.7% quarter-over-quarter to $50.6B.
Based on Betterment LLC's 13F filing for Q3 2025, filed 13 Nov 2025.