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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
+8.07%
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
$47B
AUM Growth
+$4.81B
(+11%)
Cap. Flow
+$1.4B
Cap. Flow
% of AUM
2.99%
Top 10 Holdings %
Top 10 Hldgs %
68.55%
Holding
510
New
52
Increased
262
Reduced
178
Closed
13
Avg Time Held
12
quarters
Top 10 Avg Time Held
25.6
quarters
Top 20 Avg Time Held
24.1
quarters
Top Buys
| Rank | Stock | Value |
|---|---|---|
| 1 |
State Street SPDR Portfolio S&P 500 ETF
SPYM
|
+$606M |
| 2 |
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
|
+$175M |
| 3 |
Schwab US Large- Cap ETF
SCHX
|
+$125M |
| 4 |
iShares Core US Aggregate Bond ETF
AGG
|
+$117M |
| 5 |
JPMorgan Ultra-Short Income ETF
JPST
|
+$106M |
Top Sells
| Rank | Stock | Value |
|---|---|---|
| 1 |
Vanguard FTSE Emerging Markets ETF
VWO
|
+$150M |
| 2 |
iShares Core MSCI Emerging Markets ETF
IEMG
|
+$60.5M |
| 3 |
Goldman Sachs ActiveBeta International Equity ETF
GSIE
|
+$59.9M |
| 4 |
iShares Core MSCI EAFE ETF
IEFA
|
+$43.2M |
| 5 |
Vanguard Total International Bond ETF
BNDX
|
+$41.2M |
Sector Composition
| Rank | Sector | Weight |
|---|---|---|
| 1 | Miscellaneous | 99.94% |
| 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 | |
|---|---|---|---|---|---|---|---|
251
iShares S&P 500 Growth ETF
IVW
$79.9B
| $1.3M | ﹤0.01% |
11,795
+1,551
| +15% | +$154K |
2021 Q2
16 quarters
|
|
252
State Street SPDR Bloomberg 1-3 Month T-Bill ETF
BIL
$49.9B
| $1.3M | ﹤0.01% |
14,154
-2,569
| -15% | -$235K |
2022 Q2
12 quarters
|
|
253
iShares Russell Mid-Cap Growth ETF
IWP
$20.1B
| $1.29M | ﹤0.01% |
9,311
+1,971
| +27% | +$249K |
2023 Q3
7 quarters
|
|
254
Vanguard ESG International Stock ETF
VSGX
$6.64B
| $1.27M | ﹤0.01% |
19,427
-10,913
| -36% | -$673K |
2021 Q2
16 quarters
|
|
255
iShares Core 10+ Year USD Bond ETF
ILTB
$584M
| $1.24M | ﹤0.01% |
25,167
+3,075
| +14% | +$149K |
2020 Q1
21 quarters
|
|
256
Academy Veteran Bond ETF
VETZ
$128M
| $1.23M | ﹤0.01% |
61,435
+17,844
| +41% | +$352K |
2024 Q4
2 quarters
|
|
257
Invesco S&P SmallCap Momentum ETF
XSMO
$2.87B
| $1.22M | ﹤0.01% |
17,991
+456
| +3% | +$29.1K |
2024 Q1
5 quarters
|
|
258
WisdomTree International SmallCap Dividend Fund
DLS
$1.04B
| $1.2M | ﹤0.01% |
16,028
+997
| +7% | +$69.9K |
2021 Q4
14 quarters
|
|
259
ARK Next Generation Technology ETF
ARKW
$2.12B
| $1.19M | ﹤0.01% |
8,082
-2,141
| -21% | -$245K |
2021 Q3
15 quarters
|
|
260
Cambria Fixed Income Trend ETF
CFIT
$40.9M
| $1.19M | ﹤0.01% |
+47,974
| New | +$1.17M |
2025 Q2
0 quarters
|
|
261
Dimensional World Equity ETF
DFAW
$1.69B
| $1.18M | ﹤0.01% |
17,549
+8,123
| +86% | +$508K |
2024 Q2
4 quarters
|
|
262
JPMorgan Equity Premium Income ETF
JEPI
$45.8B
| $1.18M | ﹤0.01% |
20,660
+7,148
| +53% | +$396K |
2023 Q2
8 quarters
|
|
263
Schwab Fundamental US Small Company Index ETF
FNDA
$8.77B
| $1.17M | ﹤0.01% |
40,929
-1,847
| -4% | -$50.1K |
2021 Q4
14 quarters
|
|
264
Invesco Variable Rate Investment Grade ETF
VRIG
$1.85B
| $1.16M | ﹤0.01% |
46,346
+54
| +0.1% | +$1.35K |
2024 Q2
4 quarters
|
|
265
iShares Russell 1000 Value ETF
IWD
$82.7B
| $1.14M | ﹤0.01% |
5,885
+180
| +3% | +$33.3K |
2023 Q1
9 quarters
|
|
266
Avantis International Equity ETF
AVDE
$19.1B
| $1.13M | ﹤0.01% |
15,268
+1,126
| +8% | +$78.7K |
2024 Q2
4 quarters
|
|
267
Capital Group Dividend Growers ETF
CGDG
$5.66B
| $1.13M | ﹤0.01% |
+33,604
| New | +$1.07M |
2025 Q2
0 quarters
|
|
268
Janus Henderson AAA CLO ETF
JAAA
$31.6B
| $1.12M | ﹤0.01% |
22,052
+1,989
| +10% | +$100K |
2024 Q2
4 quarters
|
|
269
Alphabet (Google) Class C
GOOG
$4.25T
| $1.12M | ﹤0.01% |
6,304
+295
| +5% | +$48.7K |
2024 Q1
5 quarters
|
|
270
iShares MSCI EAFE Value ETF
EFV
$30.4B
| $1.1M | ﹤0.01% |
17,383
+1,224
| +8% | +$74.9K |
2022 Q2
12 quarters
|
|
271
Schwab US TIPS ETF
SCHP
$16B
| $1.09M | ﹤0.01% |
40,946
+3,510
| +9% | +$92.9K |
2021 Q1
17 quarters
|
|
272
iShares Russell 2000 Growth ETF
IWO
$14.1B
| $1.08M | ﹤0.01% |
3,777
-120
| -3% | -$31.6K |
2020 Q1
21 quarters
|
|
273
Costco
COST
$420B
| $1.06M | ﹤0.01% |
1,074
+812
| +310% | +$807K |
2024 Q4
2 quarters
|
|
274
Dimensional National Municipal Bond ETF
DFNM
$2.22B
| $1.06M | ﹤0.01% |
22,393
+10,693
| +91% | +$505K |
2023 Q3
7 quarters
|
|
275
Calvert Ultra-Short Investment Grade ETF
CVSB
$273M
| $1.02M | ﹤0.01% |
20,234
+15,813
| +358% | +$801K |
2025 Q1
1 quarter
|
|
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Betterment LLC's Q2 2025 Portfolio in Review
As of Q2 2025, Betterment LLC held 510 positions worth $47B, up 11% from $42.2B the previous quarter. Its ten largest holdings account for 69% of the portfolio.
Betterment LLC's Q2 2025 filing shows 52 new, 262 increased, 178 reduced and 13 closed positions. Its largest new stake was Goldman Sachs Municipal Income ETF: 530,048 shares worth $26.5M. The largest sale was Vanguard FTSE Emerging Markets ETF, an estimated $150M.
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 Q2 2025 buy was Goldman Sachs Municipal Income ETF: 530,048 shares worth $26.5M.
- Betterment LLC added most to State Street SPDR Portfolio S&P 500 ETF in Q2 2025, an estimated $606M increase.
- Betterment LLC's biggest Q2 2025 reduction was Vanguard FTSE Emerging Markets ETF, cutting an estimated $150M.
- Betterment LLC fully exited SGI Enhanced Global Income ETF in Q2 2025, selling an estimated $1.47M.
- Betterment LLC's ten largest holdings make up 69% of its $47B portfolio in Q2 2025.
- Betterment LLC opened 52 new positions and closed 13 in Q2 2025.
- Betterment LLC's portfolio value rose 11% quarter-over-quarter to $47B.
Based on Betterment LLC's 13F filing for Q2 2025, filed 14 Aug 2025.