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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 | |
|---|---|---|---|---|---|---|---|
301
Fidelity Enhanced International ETF
FENI
$11.4B
| $975K | ﹤0.01% |
26,652
+3,052
| +13% | +$109K |
2025 Q2
2 quarters
|
|
302
Vanguard International High Dividend Yield ETF
VYMI
$21.3B
| $963K | ﹤0.01% |
10,696
+604
| +6% | +$52.5K |
2022 Q2
14 quarters
|
|
303
Vanguard S&P Small-Cap 600 Value ETF
VIOV
$1.75B
| $954K | ﹤0.01% |
9,762
+650
| +7% | +$62.7K |
2023 Q4
8 quarters
|
|
304
Vanguard S&P Mid-Cap 400 ETF
IVOO
$3.74B
| $948K | ﹤0.01% |
8,481
+2,751
| +48% | +$305K |
2024 Q4
4 quarters
|
|
305
Nuveen ESG Small-Cap ETF
NUSC
$1.25B
| $943K | ﹤0.01% |
21,127
-531
| -2% | -$23.7K |
2024 Q2
6 quarters
|
|
306
Cambria Foreign Shareholder Yield ETF
FYLD
$718M
| $941K | ﹤0.01% |
28,953
-1,070
| -4% | -$33.9K |
2016 Q4
36 quarters
|
|
307
JPMorgan Nasdaq Equity Premium Income ETF
JEPQ
$44.6B
| $939K | ﹤0.01% |
16,160
+6,204
| +62% | +$360K |
2024 Q3
5 quarters
|
|
308
iShares Core S&P US Growth ETF
IUSG
$34.8B
| $933K | ﹤0.01% |
5,557
+5
| +0.1% | +$834 |
2023 Q1
11 quarters
|
|
309
Schwab Fundamental US Large Company Index ETF
FNDX
$27.8B
| $931K | ﹤0.01% |
34,212
+753
| +2% | +$20.1K |
2023 Q3
9 quarters
|
|
310
SGI Dynamic Tactical ETF
DYTA
$110M
| $921K | ﹤0.01% |
31,558
+4,101
| +15% | +$120K |
2024 Q2
6 quarters
|
|
311
Cambria Emerging Shareholder Yield ETF
EYLD
$932M
| $916K | ﹤0.01% |
23,910
-622
| -3% | -$23.8K |
2016 Q4
36 quarters
|
|
312
State Street Real Estate Select Sector SPDR ETF
XLRE
$7.81B
| $915K | ﹤0.01% |
22,684
+2,183
| +11% | +$89.8K |
2024 Q3
5 quarters
|
|
313
Walmart Inc
WMT
$883B
| $914K | ﹤0.01% |
8,201
+907
| +12% | +$97.4K |
2024 Q2
6 quarters
|
|
314
Cambria Tactical Yield ETF
TYLD
$59.5M
| $913K | ﹤0.01% |
36,282
+1,678
| +5% | +$42.6K |
2025 Q2
2 quarters
|
|
315
Xtrackers MSCI USA ESG Leaders Equity ETF
USSG
$592M
| $898K | ﹤0.01% |
14,137
+3,246
| +30% | +$203K |
2024 Q4
4 quarters
|
|
316
Xtrackers MSCI EAFE Hedged Equity ETF
DBEF
$9.23B
| $873K | ﹤0.01% |
18,137
+13,397
| +283% | +$643K |
2024 Q2
6 quarters
|
|
317
State Street Blackstone Senior Loan ETF
SRLN
$5.4B
| $868K | ﹤0.01% |
21,041
+2,118
| +11% | +$87.4K |
2024 Q1
7 quarters
|
|
318
Rocket Lab Corp
RKLB
$43.6B
| $858K | ﹤0.01% |
+12,298
| New | +$705K |
2025 Q4
0 quarters
|
|
319
VanEck IG Floating Rate ETF
FLTR
$3.47B
| $856K | ﹤0.01% |
33,579
+374
| +1% | +$9.54K |
2024 Q2
6 quarters
|
|
320
Meta Platforms (Facebook)
META
$1.83T
| $843K | ﹤0.01% |
1,277
+587
| +85% | +$392K |
2024 Q3
5 quarters
|
|
321
U.S. Small Cap Portfolio ETF Class Shares
DFAS
$15B
| $837K | ﹤0.01% |
12,010
+463
| +4% | +$31.9K |
2021 Q2
18 quarters
|
|
322
WisdomTree Emerging Markets SmallCap Dividend Fund
DGS
$1.73B
| $831K | ﹤0.01% |
14,510
+1,595
| +12% | +$90.7K |
2021 Q4
16 quarters
|
|
323
State Street SPDR S&P 600 Small Cap Value ETF
SLYV
$4.75B
| $824K | ﹤0.01% |
9,054
-600
| -6% | -$53.9K |
2018 Q4
28 quarters
|
|
324
iShares MSCI EAFE Small-Cap ETF
SCZ
$12.9B
| $820K | ﹤0.01% |
10,580
+149
| +1% | +$11.4K |
2023 Q4
8 quarters
|
|
325
Vanguard Short-Term Tax-Exempt Bond ETF
VTES
$2.38B
| $818K | ﹤0.01% |
8,055
+366
| +5% | +$37.2K |
2025 Q2
2 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.