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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 | |
|---|---|---|---|---|---|---|---|
326
Avantis Core Fixed Income ETF
AVIG
$1.98B
| $746K | ﹤0.01% |
17,727
-578
| -3% | -$24.1K |
2023 Q4
7 quarters
|
|
327
Cambria Global Real Estate ETF
BLDG
$51.1M
| $737K | ﹤0.01% |
28,527
+72
| +0.3% | +$1.84K |
2021 Q1
18 quarters
|
|
328
WisdomTree Emerging Markets SmallCap Dividend Fund
DGS
$1.73B
| $737K | ﹤0.01% |
12,915
+324
| +3% | +$18.4K |
2021 Q4
15 quarters
|
|
329
State Street Energy Select Sector SPDR ETF
XLE
$42.3B
| $735K | ﹤0.01% |
16,456
+38
| +0.2% | +$1.66K |
2021 Q4
15 quarters
|
|
330
Texas Instruments
TXN
$258B
| $719K | ﹤0.01% |
3,911
+24
| +0.6% | +$4.69K |
2024 Q1
6 quarters
|
|
331
Berkshire Hathaway Class B
BRK.B
$1.1T
| $713K | ﹤0.01% |
1,418
+566
| +66% | +$274K |
2024 Q3
4 quarters
|
|
332
iShares ESG Advanced MSCI EAFE ETF
DMXF
$1.01B
| $701K | ﹤0.01% |
9,249
-479
| -5% | -$35.7K |
2021 Q2
17 quarters
|
|
333
Impact Shares NAACP Minority Empowerment ETF
NACP
$77.4M
| $696K | ﹤0.01% |
14,606
-6,499
| -31% | -$293K |
2020 Q4
19 quarters
|
|
334
Cambria Shareholder Yield ETF
SYLD
$981M
| $683K | ﹤0.01% |
9,952
-2,096
| -17% | -$142K |
2016 Q4
35 quarters
|
|
335
State Street SPDR MSCI ACWI ex-US ETF
CWI
$2.88B
| $670K | ﹤0.01% |
19,177
+4,874
| +34% | +$163K |
2025 Q2
1 quarter
|
|
336
Xtrackers MSCI USA ESG Leaders Equity ETF
USSG
$592M
| $668K | ﹤0.01% |
10,891
+653
| +6% | +$38.5K |
2024 Q4
3 quarters
|
|
337
First Trust Morningstar Dividend Leaders Index Fund
FDL
$7.72B
| $660K | ﹤0.01% |
15,196
+4,977
| +49% | +$216K |
2025 Q1
2 quarters
|
|
338
iShares US Treasury Bond ETF
GOVT
$41.7B
| $660K | ﹤0.01% |
28,562
+855
| +3% | +$19.6K |
2022 Q2
13 quarters
|
|
339
JPMorgan US Quality Factor ETF
JQUA
$9.27B
| $660K | ﹤0.01% |
10,499
+1,778
| +20% | +$109K |
2024 Q2
5 quarters
|
|
340
abrdn Physical Gold Shares ETF
SGOL
$6.96B
| $660K | ﹤0.01% |
17,930
+558
| +3% | +$18.4K |
2016 Q4
35 quarters
|
|
341
Invesco S&P SmallCap Consumer Staples ETF
PSCC
$33.9M
| $658K | ﹤0.01% |
19,944
+10,368
| +108% | +$358K |
2025 Q2
1 quarter
|
|
342
AutoZone
AZO
$46.7B
| $652K | ﹤0.01% |
152
-2
| -1% | -$8.02K |
2024 Q2
5 quarters
|
|
343
Aptus Defined Risk ETF
DRSK
$1.39B
| $644K | ﹤0.01% |
22,344
+2,520
| +13% | +$72.4K |
2025 Q2
1 quarter
|
|
344
JPMorgan Chase
JPM
$889B
| $633K | ﹤0.01% |
2,007
+37
| +2% | +$11K |
2024 Q3
4 quarters
|
|
345
Vanguard S&P Mid-Cap 400 ETF
IVOO
$3.81B
| $632K | ﹤0.01% |
5,730
+411
| +8% | +$44.7K |
2024 Q4
3 quarters
|
|
346
Vanguard Energy ETF
VDE
$11.1B
| $632K | ﹤0.01% |
5,021
+217
| +5% | +$26.7K |
2025 Q1
2 quarters
|
|
347
Vanguard Russell 1000 Growth ETF
VONG
$47.9B
| $632K | ﹤0.01% |
5,241
+195
| +4% | +$22.3K |
2025 Q1
2 quarters
|
|
348
Bitwise Crypto Industry Innovators ETF
BITQ
$400M
| $629K | ﹤0.01% |
25,105
+1,695
| +7% | +$35.9K |
2024 Q4
3 quarters
|
|
349
State Street Utilities Select Sector SPDR ETF
XLU
$24B
| $624K | ﹤0.01% |
14,302
-1,602
| -10% | -$67.8K |
2023 Q2
9 quarters
|
|
350
PIMCO Active Bond Exchange-Traded Fund
BOND
$8.52B
| $613K | ﹤0.01% |
6,562
+525
| +9% | +$48.4K |
2023 Q1
10 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.