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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
+1.79%
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
$52.5B
AUM Growth
+$1.89B
(+3.7%)
Cap. Flow
+$992M
Cap. Flow
% of AUM
1.89%
Top 10 Holdings %
Top 10 Hldgs %
68.69%
Holding
563
New
41
Increased
351
Reduced
153
Closed
12
Avg Time Held
12.3
quarters
Top 10 Avg Time Held
27.6
quarters
Top 20 Avg Time Held
26.1
quarters
Top Buys
| Rank | Stock | Value |
|---|---|---|
| 1 |
State Street SPDR Portfolio S&P 500 ETF
SPYM
|
+$401M |
| 2 |
iShares National Muni Bond ETF
MUB
|
+$176M |
| 3 |
iShares Core US Aggregate Bond ETF
AGG
|
+$169M |
| 4 |
Vanguard Emerging Markets Government Bond ETF
VWOB
|
+$90.7M |
| 5 |
Vanguard FTSE Developed Markets ETF
VEA
|
+$69.9M |
Top Sells
| Rank | Stock | Value |
|---|---|---|
| 1 |
Vanguard Morningstar Total Stock Market ETF
VTI
|
+$203M |
| 2 |
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
|
+$73.8M |
| 3 |
iShares Core S&P Total US Stock Market ETF
ITOT
|
+$38.2M |
| 4 |
iShares Fallen Angels USD Bond ETF
FALN
|
+$31.4M |
| 5 |
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
|
+$23.2M |
Sector Composition
| Rank | Sector | Weight |
|---|---|---|
| 1 | Miscellaneous | 99.91% |
| 2 | Technology | 0.04% |
| 3 | Communication Services | 0.01% |
| 4 | Consumer Discretionary | 0.01% |
| 5 | Financials | 0.01% |
| Name | Market Value | Portfolio Weight | Shares or Principal |
Change in Stake | Capital Flow | Held Since | |
|---|---|---|---|---|---|---|---|
226
iShares Morningstar Mid-Cap Growth ETF
IMCG
$4.16B
| $2.16M | ﹤0.01% |
27,067
+1,794
| +7% | +$146K |
2023 Q4
8 quarters
|
|
227
Avantis Emerging Markets Equity ETF
AVEM
$28.4B
| $2.15M | ﹤0.01% |
27,850
+382
| +1% | +$29.2K |
2024 Q2
6 quarters
|
|
228
iShares TIPS Bond ETF
TIP
$14.2B
| $2.11M | ﹤0.01% |
19,213
+1,860
| +11% | +$206K |
2020 Q2
22 quarters
|
|
229
iShares Interest Rate Hedged Corporate Bond ETF
LQDH
$587M
| $2.1M | ﹤0.01% |
22,460
+3,333
| +17% | +$311K |
2025 Q3
1 quarter
|
|
230
iShares ESG Advanced Universal USD Bond ETF
EUSB
$695M
| $2.07M | ﹤0.01% |
47,201
-472
| -1% | -$20.8K |
2021 Q2
18 quarters
|
|
231
State Street SPDR MSCI EAFE StrategicFactors ETF
QEFA
$1.01B
| $2.06M | ﹤0.01% |
22,780
+1,150
| +5% | +$102K |
2023 Q1
11 quarters
|
|
232
iShares MSCI Intl Quality Factor ETF
IQLT
$13.6B
| $2.04M | ﹤0.01% |
44,908
-1,831
| -4% | -$82.1K |
2021 Q3
17 quarters
|
|
233
iShares Core 1-5 Year USD Bond ETF
ISTB
$5.11B
| $1.95M | ﹤0.01% |
39,896
+371
| +0.9% | +$18.1K |
2021 Q1
19 quarters
|
|
234
Calamos Bitcoin 80 Series Structured Alt Protection ETF - January
CBTJ
$26.6M
| $1.92M | ﹤0.01% |
87,843
-9,304
| -10% | -$236K |
2025 Q1
3 quarters
|
|
235
Schwab Fundamental International Large Company Index ETF
FNDF
$25.4B
| $1.9M | ﹤0.01% |
42,125
-2,171
| -5% | -$96.1K |
2021 Q3
17 quarters
|
|
236
Schwab Intermediately-Term US Treasury ETF
SCHR
$13.1B
| $1.89M | ﹤0.01% |
75,483
+7,709
| +11% | +$194K |
2023 Q1
11 quarters
|
|
237
Dimensional Emerging Markets High Profitability ETF
DEHP
$455M
| $1.88M | ﹤0.01% |
58,233
+114
| +0.2% | +$3.6K |
2023 Q1
11 quarters
|
|
238
JPMorgan Equity Premium Income ETF
JEPI
$45.6B
| $1.84M | ﹤0.01% |
32,163
+10,158
| +46% | +$580K |
2023 Q2
10 quarters
|
|
239
iShares S&P 500 Growth ETF
IVW
$79.9B
| $1.82M | ﹤0.01% |
14,795
+2,543
| +21% | +$311K |
2021 Q2
18 quarters
|
|
240
First Trust SMID Cap Rising Dividend Achievers ETF
SDVY
$11B
| $1.82M | ﹤0.01% |
47,583
+3,167
| +7% | +$120K |
2024 Q3
5 quarters
|
|
241
iShares Gold Trust
IAU
$62.2B
| $1.82M | ﹤0.01% |
22,380
+4,051
| +22% | +$317K |
2023 Q2
10 quarters
|
|
242
Avantis International Equity ETF
AVDE
$19.1B
| $1.81M | ﹤0.01% |
22,041
+547
| +3% | +$43.9K |
2024 Q2
6 quarters
|
|
243
Dimensional International High Profitability ETF
DIHP
$6.47B
| $1.79M | ﹤0.01% |
56,550
+890
| +2% | +$27.6K |
2023 Q1
11 quarters
|
|
244
PGIM Ultra Short Bond ETF
PULS
$19.4B
| $1.78M | ﹤0.01% |
35,881
+1,205
| +3% | +$59.9K |
2023 Q4
8 quarters
|
|
245
SGI Enhanced Nasdaq-100 ETF
QXQ
$86.5M
| $1.76M | ﹤0.01% |
64,233
+10,533
| +20% | +$331K |
2024 Q3
5 quarters
|
|
246
iShares MSCI USA Momentum Factor ETF
MTUM
$20.5B
| $1.74M | ﹤0.01% |
6,952
+439
| +7% | +$110K |
2021 Q1
19 quarters
|
|
247
iShares US Equity Factor ETF
LRGF
$3.76B
| $1.73M | ﹤0.01% |
24,937
+166
| +0.7% | +$11.5K |
2024 Q4
4 quarters
|
|
248
VanEck High Yield Muni ETF
HYD
$3.91B
| $1.69M | ﹤0.01% |
32,984
+199
| +0.6% | +$10.1K |
2016 Q2
38 quarters
|
|
249
WisdomTree Yield Enhanced US Aggregate Bond Fund
AGGY
$889M
| $1.69M | ﹤0.01% |
38,249
+3,490
| +10% | +$155K |
2021 Q4
16 quarters
|
|
250
iShare MSCI Eurozone ETF
EZU
$9.24B
| $1.67M | ﹤0.01% |
26,041
+2,730
| +12% | +$171K |
2025 Q2
2 quarters
|
|
Similar funds
TI
Betterment LLC's Q4 2025 Portfolio in Review
As of Q4 2025, Betterment LLC held 563 positions worth $52.5B, up 3.7% from $50.6B the previous quarter. Its ten largest holdings account for 69% of the portfolio.
Betterment LLC's Q4 2025 filing shows 41 new, 351 increased, 153 reduced and 12 closed positions. Its largest new stake was BlackRock ETF Trust II iShares AAA CLO Active ETF: 324,160 shares worth $16.8M. The largest sale was Vanguard Morningstar Total Stock Market ETF, an estimated $203M.
By sector, the portfolio is most concentrated in Miscellaneous at 100% of assets, down from 100% a quarter earlier, followed by Technology and Communication Services.
- Betterment LLC's largest Q4 2025 buy was BlackRock ETF Trust II iShares AAA CLO Active ETF: 324,160 shares worth $16.8M.
- Betterment LLC added most to State Street SPDR Portfolio S&P 500 ETF in Q4 2025, an estimated $401M increase.
- Betterment LLC's biggest Q4 2025 reduction was Vanguard Morningstar Total Stock Market ETF, cutting an estimated $203M.
- Betterment LLC fully exited iShares Fallen Angels USD Bond ETF in Q4 2025, selling an estimated $31.4M.
- Betterment LLC's ten largest holdings make up 69% of its $52.5B portfolio in Q4 2025.
- Betterment LLC opened 41 new positions and closed 12 in Q4 2025.
- Betterment LLC's portfolio value rose 3.7% quarter-over-quarter to $52.5B.
Based on Betterment LLC's 13F filing for Q4 2025, filed 12 Feb 2026.