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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 | |
|---|---|---|---|---|---|---|---|
276
Fidelity Wise Origin Bitcoin Fund
FBTC
$15.3B
| $1.27M | ﹤0.01% |
16,655
+7,804
| +88% | +$681K |
2024 Q4
4 quarters
|
|
277
Invesco Variable Rate Investment Grade ETF
VRIG
$1.87B
| $1.26M | ﹤0.01% |
50,338
+431
| +0.9% | +$10.8K |
2024 Q2
6 quarters
|
|
278
VanEck JP Morgan EM Local Currency Bond ETF
EMLC
$4.94B
| $1.26M | ﹤0.01% |
48,709
-4,467
| -8% | -$114K |
2017 Q1
35 quarters
|
|
279
Aptus Collared Investment Opportunity ETF
ACIO
$2.41B
| $1.25M | ﹤0.01% |
28,639
+3,893
| +16% | +$170K |
2025 Q1
3 quarters
|
|
280
WisdomTree International SmallCap Dividend Fund
DLS
$1.03B
| $1.25M | ﹤0.01% |
15,427
-275
| -2% | -$21.7K |
2021 Q4
16 quarters
|
|
281
iShares Silver Trust
SLV
$29.3B
| $1.25M | ﹤0.01% |
19,357
+5,992
| +45% | +$300K |
2023 Q3
9 quarters
|
|
282
Dimensional Emerging Markets Sustainability Core 1 ETF
DFSE
$639M
| $1.24M | ﹤0.01% |
29,875
+4,378
| +17% | +$181K |
2024 Q3
5 quarters
|
|
283
State Street Health Care Select Sector SPDR ETF
XLV
$44.5B
| $1.23M | ﹤0.01% |
7,954
+1,206
| +18% | +$181K |
2023 Q3
9 quarters
|
|
284
abrdn Physical Gold Shares ETF
SGOL
$6.96B
| $1.21M | ﹤0.01% |
29,472
+11,542
| +64% | +$457K |
2016 Q4
36 quarters
|
|
285
iShares Core 10+ Year USD Bond ETF
ILTB
$591M
| $1.2M | ﹤0.01% |
24,224
+93
| +0.4% | +$4.7K |
2020 Q1
23 quarters
|
|
286
Schwab US TIPS ETF
SCHP
$16.2B
| $1.2M | ﹤0.01% |
45,228
+3,226
| +8% | +$86.5K |
2021 Q1
19 quarters
|
|
287
Vert Global Sustainable Real Estate ETF
VGSR
$479M
| $1.18M | ﹤0.01% |
113,725
+4,800
| +4% | +$50.3K |
2024 Q3
5 quarters
|
|
288
Oracle
ORCL
$415B
| $1.18M | ﹤0.01% |
6,049
+1,422
| +31% | +$339K |
2025 Q2
2 quarters
|
|
289
Invesco S&P SmallCap Momentum ETF
XSMO
$2.86B
| $1.18M | ﹤0.01% |
16,363
-279
| -2% | -$20.3K |
2024 Q1
7 quarters
|
|
290
iShares Core MSCI International Developed Markets ETF
IDEV
$32.9B
| $1.11M | ﹤0.01% |
13,407
+2,896
| +28% | +$235K |
2024 Q1
7 quarters
|
|
291
Avantis US Large Cap Value ETF
AVLV
$21.9B
| $1.1M | ﹤0.01% |
14,490
+886
| +7% | +$65.2K |
2025 Q2
2 quarters
|
|
292
Goldman Sachs Access High Yield Corporate Bond ETF
GHYB
$134M
| $1.09M | ﹤0.01% |
24,113
-5,357
| -18% | -$243K |
2024 Q1
7 quarters
|
|
293
State Street SPDR Dow Jones Industrial Average ETF Trust
DIA
$44.9B
| $1.08M | ﹤0.01% |
2,246
+335
| +18% | +$158K |
2025 Q3
1 quarter
|
|
294
iShares MSCI Emerging Markets ex China ETF
EMXC
$25.5B
| $1.07M | ﹤0.01% |
14,755
-231
| -2% | -$16.4K |
2023 Q4
8 quarters
|
|
295
Berkshire Hathaway Class B
BRK.B
$1.11T
| $1.05M | ﹤0.01% |
2,083
+665
| +47% | +$331K |
2024 Q3
5 quarters
|
|
296
iShares MSCI EAFE ETF
EFA
$76.5B
| $1.02M | ﹤0.01% |
10,617
-3,339
| -24% | -$317K |
2022 Q4
12 quarters
|
|
297
iShares MSCI All Country Asia ex Japan ETF
AAXJ
$3.88B
| $1.01M | ﹤0.01% |
10,854
+217
| +2% | +$20.2K |
2022 Q1
15 quarters
|
|
298
State Street SPDR Nuveen ICE High Yield Municipal Bond ETF
HYMB
$3.66B
| $1M | ﹤0.01% |
40,117
-19,482
| -33% | -$488K |
2023 Q2
10 quarters
|
|
299
Janus Henderson AAA CLO ETF
JAAA
$32.1B
| $998K | ﹤0.01% |
19,740
+1,270
| +7% | +$64.3K |
2024 Q2
6 quarters
|
|
300
ARK Next Generation Technology ETF
ARKW
$2.31B
| $989K | ﹤0.01% |
6,695
-1,110
| -14% | -$180K |
2021 Q3
17 quarters
|
|
Similar funds
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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.