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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 | |
|---|---|---|---|---|---|---|---|
301
Invesco S&P 500 Quality ETF
SPHQ
$19B
| $892K | ﹤0.01% |
12,167
+1,198
| +11% | +$86.5K |
2024 Q2
5 quarters
|
|
302
State Street SPDR Dow Jones Industrial Average ETF Trust
DIA
$44.8B
| $886K | ﹤0.01% |
+1,911
| New | +$861K |
2025 Q3
0 quarters
|
|
303
Fidelity Wise Origin Bitcoin Fund
FBTC
$15.3B
| $883K | ﹤0.01% |
8,851
+2,436
| +38% | +$243K |
2024 Q4
3 quarters
|
|
304
Schwab Fundamental US Large Company Index ETF
FNDX
$27.7B
| $880K | ﹤0.01% |
33,459
+4,462
| +15% | +$113K |
2023 Q3
8 quarters
|
|
305
Cambria Tactical Yield ETF
TYLD
$59.5M
| $875K | ﹤0.01% |
34,604
+7,566
| +28% | +$192K |
2025 Q2
1 quarter
|
|
306
Vanguard S&P Small-Cap 600 Value ETF
VIOV
$1.77B
| $868K | ﹤0.01% |
9,112
+456
| +5% | +$41.7K |
2023 Q4
7 quarters
|
|
307
State Street Real Estate Select Sector SPDR ETF
XLRE
$7.77B
| $864K | ﹤0.01% |
20,501
+2,299
| +13% | +$96.2K |
2024 Q3
4 quarters
|
|
308
State Street SPDR S&P 600 Small Cap Value ETF
SLYV
$4.75B
| $856K | ﹤0.01% |
9,654
-24
| -0.2% | -$2.04K |
2018 Q4
27 quarters
|
|
309
Vanguard International High Dividend Yield ETF
VYMI
$20.9B
| $855K | ﹤0.01% |
10,092
-364
| -3% | -$30.2K |
2022 Q2
13 quarters
|
|
310
VanEck IG Floating Rate ETF
FLTR
$3.41B
| $849K | ﹤0.01% |
33,205
-190
| -0.6% | -$4.85K |
2024 Q2
5 quarters
|
|
311
iShares Core MSCI International Developed Markets ETF
IDEV
$32.1B
| $843K | ﹤0.01% |
10,511
+1,702
| +19% | +$132K |
2024 Q1
6 quarters
|
|
312
Fidelity Enhanced International ETF
FENI
$11.4B
| $833K | ﹤0.01% |
23,600
+2,728
| +13% | +$92.9K |
2025 Q2
1 quarter
|
|
313
State Street SPDR ICE Preferred Securities ETF
PSK
$629M
| $820K | ﹤0.01% |
24,783
+44
| +0.2% | +$1.43K |
2023 Q4
7 quarters
|
|
314
Vanguard S&P Mid-Cap 400 Growth ETF
IVOG
$1.62B
| $819K | ﹤0.01% |
6,853
-323
| -5% | -$37.9K |
2018 Q4
27 quarters
|
|
315
iShares MSCI EAFE Small-Cap ETF
SCZ
$12.9B
| $800K | ﹤0.01% |
10,431
+197
| +2% | +$14.7K |
2023 Q4
7 quarters
|
|
316
SGI Dynamic Tactical ETF
DYTA
$110M
| $797K | ﹤0.01% |
27,457
+2,464
| +10% | +$69.9K |
2024 Q2
5 quarters
|
|
317
U.S. Small Cap Portfolio ETF Class Shares
DFAS
$15B
| $791K | ﹤0.01% |
11,547
+1,766
| +18% | +$118K |
2021 Q2
17 quarters
|
|
318
State Street Blackstone Senior Loan ETF
SRLN
$5.49B
| $787K | ﹤0.01% |
18,923
+1,418
| +8% | +$58.9K |
2024 Q1
6 quarters
|
|
319
Vanguard Short-Term Tax-Exempt Bond ETF
VTES
$2.38B
| $784K | ﹤0.01% |
7,689
+4,645
| +153% | +$472K |
2025 Q2
1 quarter
|
|
320
State Street SPDR Portfolio Short Term Treasury ETF
SPTS
$7.16B
| $761K | ﹤0.01% |
25,958
+2,217
| +9% | +$64.8K |
2024 Q1
6 quarters
|
|
321
WisdomTree US MidCap Dividend Fund
DON
$3.8B
| $756K | ﹤0.01% |
14,449
+251
| +2% | +$13K |
2021 Q4
15 quarters
|
|
322
Vanguard Russell 1000 ETF
VONE
$9.13B
| $756K | ﹤0.01% |
2,499
+35
| +1% | +$10.2K |
2025 Q2
1 quarter
|
|
323
Dimensional US Marketwide Value ETF
DFUV
$15.3B
| $755K | ﹤0.01% |
16,889
-152
| -0.9% | -$6.62K |
2024 Q2
5 quarters
|
|
324
Capital Group Municipal Income ETF
CGMU
$6.8B
| $753K | ﹤0.01% |
27,602
-26,081
| -49% | -$701K |
2024 Q4
3 quarters
|
|
325
Walmart Inc
WMT
$883B
| $752K | ﹤0.01% |
7,294
-255
| -3% | -$25.4K |
2024 Q2
5 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.