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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 | |
|---|---|---|---|---|---|---|---|
251
John Hancock Multifactor Mid Cap ETF
JHMM
$5.99B
| $1.49M | ﹤0.01% |
23,080
+1,044
| +5% | +$66K |
2022 Q1
14 quarters
|
|
252
State Street SPDR Nuveen ICE High Yield Municipal Bond ETF
HYMB
$3.71B
| $1.49M | ﹤0.01% |
59,599
-196,690
| -77% | -$4.81M |
2023 Q2
9 quarters
|
|
253
iShares S&P 500 Growth ETF
IVW
$79.9B
| $1.48M | ﹤0.01% |
12,252
+457
| +4% | +$52.6K |
2021 Q2
17 quarters
|
|
254
iShare MSCI Eurozone ETF
EZU
$9.24B
| $1.44M | ﹤0.01% |
23,311
+10,109
| +77% | +$607K |
2025 Q2
1 quarter
|
|
255
State Street SPDR Bloomberg 1-3 Month T-Bill ETF
BIL
$49.9B
| $1.43M | ﹤0.01% |
15,629
+1,475
| +10% | +$135K |
2022 Q2
13 quarters
|
|
256
Cambria Fixed Income Trend ETF
CFIT
$40.9M
| $1.43M | ﹤0.01% |
57,151
+9,177
| +19% | +$229K |
2025 Q2
1 quarter
|
|
257
Amazon
AMZN
$2.83T
| $1.43M | ﹤0.01% |
6,504
+475
| +8% | +$108K |
2024 Q1
6 quarters
|
|
258
iShares Russell 2000 ETF
IWM
$77.4B
| $1.38M | ﹤0.01% |
5,704
-611
| -10% | -$140K |
2023 Q2
9 quarters
|
|
259
ARK Next Generation Technology ETF
ARKW
$2.12B
| $1.36M | ﹤0.01% |
7,805
-277
| -3% | -$43.9K |
2021 Q3
16 quarters
|
|
260
VanEck JP Morgan EM Local Currency Bond ETF
EMLC
$4.94B
| $1.36M | ﹤0.01% |
53,176
-5,109
| -9% | -$129K |
2017 Q1
34 quarters
|
|
261
Vanguard ESG International Stock ETF
VSGX
$6.64B
| $1.35M | ﹤0.01% |
19,527
+100
| +0.5% | +$6.72K |
2021 Q2
17 quarters
|
|
262
Dimensional National Municipal Bond ETF
DFNM
$2.22B
| $1.35M | ﹤0.01% |
28,215
+5,822
| +26% | +$277K |
2023 Q3
8 quarters
|
|
263
Goldman Sachs Access High Yield Corporate Bond ETF
GHYB
$134M
| $1.35M | ﹤0.01% |
29,470
-22,745
| -44% | -$1.03M |
2024 Q1
6 quarters
|
|
264
Schwab Fundamental US Small Company Index ETF
FNDA
$8.77B
| $1.34M | ﹤0.01% |
43,083
+2,154
| +5% | +$65.4K |
2021 Q4
15 quarters
|
|
265
Academy Veteran Bond ETF
VETZ
$128M
| $1.34M | ﹤0.01% |
67,027
+5,592
| +9% | +$111K |
2024 Q4
3 quarters
|
|
266
Calvert Ultra-Short Investment Grade ETF
CVSB
$273M
| $1.34M | ﹤0.01% |
26,421
+6,187
| +31% | +$314K |
2025 Q1
2 quarters
|
|
267
iShares Gold Trust
IAU
$62.2B
| $1.33M | ﹤0.01% |
18,329
+8,603
| +88% | +$561K |
2023 Q2
9 quarters
|
|
268
iShares MSCI EAFE ETF
EFA
$76.4B
| $1.3M | ﹤0.01% |
13,956
-1,147
| -8% | -$104K |
2022 Q4
11 quarters
|
|
269
Oracle
ORCL
$429B
| $1.3M | ﹤0.01% |
4,627
+2,282
| +97% | +$581K |
2025 Q2
1 quarter
|
|
270
Dimensional World Equity ETF
DFAW
$1.69B
| $1.29M | ﹤0.01% |
18,020
+471
| +3% | +$32.8K |
2024 Q2
5 quarters
|
|
271
iShares MSCI EAFE Min Vol Factor ETF
EFAV
$5.3B
| $1.29M | ﹤0.01% |
15,238
+6,911
| +83% | +$583K |
2025 Q2
1 quarter
|
|
272
F/m US Treasury 3 Month Bill Fund
TBIL
$7.44B
| $1.29M | ﹤0.01% |
25,849
-856
| -3% | -$42.7K |
2024 Q2
5 quarters
|
|
273
JPMorgan Equity Premium Income ETF
JEPI
$45.8B
| $1.26M | ﹤0.01% |
22,005
+1,345
| +7% | +$76.4K |
2023 Q2
9 quarters
|
|
274
Invesco Variable Rate Investment Grade ETF
VRIG
$1.85B
| $1.25M | ﹤0.01% |
49,907
+3,561
| +8% | +$89.4K |
2024 Q2
5 quarters
|
|
275
iShares MSCI EAFE Value ETF
EFV
$30.4B
| $1.25M | ﹤0.01% |
18,444
+1,061
| +6% | +$69.9K |
2022 Q2
13 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.