Betterment LLC Portfolio holdings

AUM $42.2B

AUM

$42.2B

AUM Growth

+$206M (+0.5%)

Cap. Flow

+$479M

Cap. Flow % of AUM

1.14%

Top 10 Holdings %Top 10 Hldgs %

68.81%

Holding

472

New

Increased

265

Reduced

163

Closed

Top Buys

1	SPDR Portfolio S&P 500 ETF SPLG	$788M
2	iShares Core US Aggregate Bond ETF AGG	$196M
3	Schwab US Large- Cap ETF SCHX	$159M
4	JPMorgan Ultra-Short Income ETF JPST	$150M
5	SPDR Nuveen Bloomberg Municipal Bond ETF TFI	$94.4M

Top Sells

1	Vanguard Total Stock Market ETF VTI	$240M
2	Vanguard FTSE Emerging Markets ETF VWO	$181M
3	Vanguard FTSE Developed Markets ETF VEA	$178M
4	Vanguard Total International Bond ETF BNDX	$126M
5	iShares JPMorgan USD Emerging Markets Bond ETF EMB	$95.8M

Sector Composition

1	Technology	0.03%
2	Consumer Discretionary	0.01%
3	Financials	0.01%
4	Communication Services	0.01%
5	Consumer Staples	0%

#	Name	Market Value	Portfolio Weight	Shares or Principal	Shares Change %	Capital Flow
326	326 Invesco Total Return Bond ETF GTO $1.89B	$549K	0%	11,694 -42	-0.4%	-$1.97K
327	327 iShares Gold Trust IAU $45.6B	$548K	0%	9,290 -1,731	-16%	-$102K
328	328 First Trust NASDAQ-100 Technology Index Fund QTEC $2.56B	$540K	0%	3,113	New	+$540K
329	329 Vanguard S&P Small-Cap 600 Value ETF VIOV $1.26B	$537K	0%	6,397 +941	+17%	+$79K
330	330 Invesco S&P 500 Equal Weight ETF RSP $65.9B	$534K	0%	3,085 -674	-18%	-$117K
331	331 Vanguard Consumer Staples ETF VDC $7.64B	$533K	0%	2,435 +1,360	+127%	+$298K
332	332 Invesco Global Listed Private Equity ETF PSP $260M	$528K	0%	8,246 -611	-7%	-$39.1K
333	333 Nuveen ESG Small-Cap ETF NUSC $1.14B	$525K	0%	13,690 -1,054	-7%	-$40.4K
334	334 Financial Select Sector SPDR Fund XLF $51.5B	$522K	0%	10,470	New	+$522K
335	335 iShares S&P Small-Cap 600 Value ETF IJS $6.2B	$512K	0%	5,250 +324	+7%	+$31.6K
336	336 SPDR Portfolio Aggregate Bond ETF SPAB $8.78B	$496K	0%	19,408 +2,192	+13%	+$56K
337	337 Invesco S&P International Developed Momentum ETF IDMO $823M	$494K	0%	11,183 -4,760	-30%	-$210K
338	338 Mastercard MA $535B	$487K	0%	889 +52	+6%	+$28.5K
339	339 Xtrackers Harvest CSI 300 China A-Shares ETF ASHR $1.94B	$470K	0%	17,671 -492	-3%	-$13.1K
340	340 JPMorgan Income ETF JPIE $3.68B	$466K	0%	10,124 -945	-9%	-$43.5K
341	341 Fidelity Low Volatility Factor ETF FDLO $1.21B	$465K	0%	7,666 -16	-0.2%	-$971
342	342 Intuit INTU $185B	$462K	0%	752 +6	+0.8%	+$3.69K
343	343 Real Estate Select Sector SPDR Fund XLRE $7.47B	$460K	0%	11,002 +3,366	+44%	+$141K
344	344 SPDR Portfolio Intermediate Term Treasury ETF SPTI $8.73B	$459K	0%	16,068 -2,087	-12%	-$59.6K
345	345 Invesco S&P 500 Quality ETF SPHQ $13.5B	$454K	0%	6,838 +2,468	+56%	+$164K
346	346 Arch Capital ACGL $35.5B	$449K	0%	4,665 -98	-2%	-$9.43K
347	347 Consumers Staples Select Sector SPDR Fund XLP $16B	$446K	0%	5,462	New	+$446K
348	348 Fidelity High Dividend ETF FDVV $5.13B	$438K	0%	8,821 +118	+1%	+$5.86K
349	349 PIMCO Intermediate Municipal Bond Active Exchange-Traded Fund MUNI $2B	$438K	0%	8,499 +1,816	+27%	+$93.6K
350	350 iShares Core MSCI International Developed Markets ETF IDEV $19.8B	$436K	0%	6,327 -1,451	-19%	-$100K