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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 | |
|---|---|---|---|---|---|---|---|
251
Tesla
TSLA
$1.5T
| $1.67M | ﹤0.01% |
3,704
+2,663
| +256% | +$1.18M |
2025 Q3
1 quarter
|
|
252
State Street SPDR Bloomberg 1-3 Month T-Bill ETF
BIL
$50.8B
| $1.63M | ﹤0.01% |
17,797
+2,168
| +14% | +$198K |
2022 Q2
14 quarters
|
|
253
John Hancock Multifactor Mid Cap ETF
JHMM
$5.97B
| $1.62M | ﹤0.01% |
24,731
+1,651
| +7% | +$107K |
2022 Q1
15 quarters
|
|
254
Invesco S&P International Developed Momentum ETF
IDMO
$4.25B
| $1.59M | ﹤0.01% |
28,710
+8,989
| +46% | +$489K |
2023 Q1
11 quarters
|
|
255
iShares Russell Mid-Cap Growth ETF
IWP
$19.9B
| $1.58M | ﹤0.01% |
11,508
+3,465
| +43% | +$484K |
2023 Q3
9 quarters
|
|
256
Calvert Ultra-Short Investment Grade ETF
CVSB
$273M
| $1.57M | ﹤0.01% |
30,885
+4,464
| +17% | +$227K |
2025 Q1
3 quarters
|
|
257
Schwab Fundamental Emerging Markets Large Company Index ETF
FNDE
$10.5B
| $1.54M | ﹤0.01% |
42,814
+347
| +0.8% | +$12.7K |
2022 Q4
12 quarters
|
|
258
iShares MSCI EAFE Min Vol Factor ETF
EFAV
$5.27B
| $1.54M | ﹤0.01% |
17,889
+2,651
| +17% | +$227K |
2025 Q2
2 quarters
|
|
259
Costco
COST
$423B
| $1.54M | ﹤0.01% |
1,785
+570
| +47% | +$517K |
2024 Q4
4 quarters
|
|
260
First Trust North American Energy Infrastructure Fund
EMLP
$4.07B
| $1.53M | ﹤0.01% |
40,545
+866
| +2% | +$33K |
2015 Q2
42 quarters
|
|
261
Vanguard ESG International Stock ETF
VSGX
$6.7B
| $1.52M | ﹤0.01% |
21,294
+1,767
| +9% | +$125K |
2021 Q2
18 quarters
|
|
262
Invesco Emerging Markets Sovereign Debt ETF
PCY
$1.17B
| $1.52M | ﹤0.01% |
70,287
-31,378
| -31% | -$683K |
2015 Q4
40 quarters
|
|
263
iShares iBoxx $ High Yield Corporate Bond ETF
HYG
$17.9B
| $1.49M | ﹤0.01% |
18,476
-1,051
| -5% | -$84.7K |
2023 Q2
10 quarters
|
|
264
iShares Russell 1000 ETF
IWB
$49.6B
| $1.48M | ﹤0.01% |
3,958
+1,418
| +56% | +$525K |
2021 Q4
16 quarters
|
|
265
iShares Intermediate Government/Credit Bond ETF
GVI
$3.75B
| $1.48M | ﹤0.01% |
13,747
-4,613
| -25% | -$496K |
2021 Q1
19 quarters
|
|
266
Cambria Fixed Income Trend ETF
CFIT
$40.8M
| $1.47M | ﹤0.01% |
58,425
+1,274
| +2% | +$32.2K |
2025 Q2
2 quarters
|
|
267
iShares Russell 2000 ETF
IWM
$78.4B
| $1.47M | ﹤0.01% |
5,960
+256
| +4% | +$62.9K |
2023 Q2
10 quarters
|
|
268
Academy Veteran Bond ETF
VETZ
$128M
| $1.45M | ﹤0.01% |
72,375
+5,348
| +8% | +$107K |
2024 Q4
4 quarters
|
|
269
Schwab Fundamental US Small Company Index ETF
FNDA
$8.78B
| $1.41M | ﹤0.01% |
44,736
+1,653
| +4% | +$51.5K |
2021 Q4
16 quarters
|
|
270
State Street SPDR Bloomberg High Yield Bond ETF
JNK
$5.86B
| $1.41M | ﹤0.01% |
14,509
-1,406
| -9% | -$137K |
2022 Q1
15 quarters
|
|
271
Vanguard Morningstar Mega Cap Growth ETF
MGK
$35.4B
| $1.41M | ﹤0.01% |
17,050
-2,970
| -15% | -$244K |
2021 Q4
16 quarters
|
|
272
First Trust Growth Strength ETF
FTGS
$1.31B
| $1.39M | ﹤0.01% |
39,342
+5,084
| +15% | +$181K |
2025 Q1
3 quarters
|
|
273
Dimensional World Equity ETF
DFAW
$1.7B
| $1.32M | ﹤0.01% |
17,824
-196
| -1% | -$14.3K |
2024 Q2
6 quarters
|
|
274
iShares MSCI EAFE Value ETF
EFV
$30.2B
| $1.29M | ﹤0.01% |
18,051
-393
| -2% | -$27.3K |
2022 Q2
14 quarters
|
|
275
Dimensional National Municipal Bond ETF
DFNM
$2.19B
| $1.28M | ﹤0.01% |
26,585
-1,630
| -6% | -$78.5K |
2023 Q3
9 quarters
|
|
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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.