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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 | |
|---|---|---|---|---|---|---|---|
276
WisdomTree International SmallCap Dividend Fund
DLS
$1.04B
| $1.25M | ﹤0.01% |
15,702
-326
| -2% | -$25.4K |
2021 Q4
15 quarters
|
|
277
First Trust Growth Strength ETF
FTGS
$1.31B
| $1.23M | ﹤0.01% |
34,258
+10,218
| +43% | +$359K |
2025 Q1
2 quarters
|
|
278
Invesco S&P SmallCap Momentum ETF
XSMO
$2.87B
| $1.22M | ﹤0.01% |
16,642
-1,349
| -7% | -$95.3K |
2024 Q1
6 quarters
|
|
279
iShares Core 10+ Year USD Bond ETF
ILTB
$584M
| $1.22M | ﹤0.01% |
24,131
-1,036
| -4% | -$51.2K |
2020 Q1
22 quarters
|
|
280
Vert Global Sustainable Real Estate ETF
VGSR
$480M
| $1.16M | ﹤0.01% |
108,925
+35,919
| +49% | +$378K |
2024 Q3
4 quarters
|
|
281
Alphabet (Google) Class A
GOOGL
$4.3T
| $1.15M | ﹤0.01% |
4,740
+62
| +1% | +$13K |
2024 Q3
4 quarters
|
|
282
iShares Russell Mid-Cap Growth ETF
IWP
$20.1B
| $1.15M | ﹤0.01% |
8,043
-1,268
| -14% | -$179K |
2023 Q3
8 quarters
|
|
283
Schwab US TIPS ETF
SCHP
$16B
| $1.13M | ﹤0.01% |
42,002
+1,056
| +3% | +$28.3K |
2021 Q1
18 quarters
|
|
284
Costco
COST
$420B
| $1.13M | ﹤0.01% |
1,215
+141
| +13% | +$135K |
2024 Q4
3 quarters
|
|
285
State Street SPDR Portfolio Short Term Corporate Bond ETF
SPSB
$11.1B
| $1.09M | ﹤0.01% |
35,942
-26,096
| -42% | -$787K |
2023 Q2
9 quarters
|
|
286
Aptus Collared Investment Opportunity ETF
ACIO
$2.41B
| $1.07M | ﹤0.01% |
24,746
+3,221
| +15% | +$136K |
2025 Q1
2 quarters
|
|
287
Invesco S&P International Developed Momentum ETF
IDMO
$4.24B
| $1.06M | ﹤0.01% |
19,721
+363
| +2% | +$19K |
2023 Q1
10 quarters
|
|
288
Dimensional Emerging Markets Sustainability Core 1 ETF
DFSE
$643M
| $1.05M | ﹤0.01% |
25,497
+9,414
| +59% | +$372K |
2024 Q3
4 quarters
|
|
289
iShares MSCI Emerging Markets ex China ETF
EMXC
$25.5B
| $1.01M | ﹤0.01% |
14,986
+227
| +2% | +$14.7K |
2023 Q4
7 quarters
|
|
290
Avantis US Large Cap Value ETF
AVLV
$21.8B
| $983K | ﹤0.01% |
13,604
+4,394
| +48% | +$310K |
2025 Q2
1 quarter
|
|
291
iShares MSCI All Country Asia ex Japan ETF
AAXJ
$3.93B
| $970K | ﹤0.01% |
10,637
+511
| +5% | +$44.1K |
2022 Q1
14 quarters
|
|
292
Nuveen ESG Small-Cap ETF
NUSC
$1.25B
| $955K | ﹤0.01% |
21,658
+5,621
| +35% | +$239K |
2024 Q2
5 quarters
|
|
293
State Street Health Care Select Sector SPDR ETF
XLV
$43.9B
| $939K | ﹤0.01% |
6,748
+723
| +12% | +$97.8K |
2023 Q3
8 quarters
|
|
294
Janus Henderson AAA CLO ETF
JAAA
$32B
| $938K | ﹤0.01% |
18,470
-3,582
| -16% | -$182K |
2024 Q2
5 quarters
|
|
295
Cambria Foreign Shareholder Yield ETF
FYLD
$718M
| $936K | ﹤0.01% |
30,023
-288
| -1% | -$8.81K |
2016 Q4
35 quarters
|
|
296
iShares Russell 1000 Value ETF
IWD
$82.7B
| $936K | ﹤0.01% |
4,596
-1,289
| -22% | -$256K |
2023 Q1
10 quarters
|
|
297
iShares Russell 1000 ETF
IWB
$49.7B
| $928K | ﹤0.01% |
2,540
-417
| -14% | -$147K |
2021 Q4
15 quarters
|
|
298
iShares Core S&P US Growth ETF
IUSG
$34.8B
| $914K | ﹤0.01% |
5,552
+314
| +6% | +$49.3K |
2023 Q1
10 quarters
|
|
299
Cambria Emerging Shareholder Yield ETF
EYLD
$932M
| $913K | ﹤0.01% |
24,532
-270
| -1% | -$10K |
2016 Q4
35 quarters
|
|
300
iShares Russell 2000 Growth ETF
IWO
$14.1B
| $911K | ﹤0.01% |
2,845
-932
| -25% | -$281K |
2020 Q1
22 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.