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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 | |
|---|---|---|---|---|---|---|---|
351
First Trust Smith Unconstrained Bond ETF
UCON
$3.2B
| $611K | ﹤0.01% |
24,250
+5,721
| +31% | +$143K |
2025 Q1
2 quarters
|
|
352
iShares MSCI Emerging Markets Min Vol Factor ETF
EEMV
$3.57B
| $605K | ﹤0.01% |
9,480
+4,911
| +107% | +$311K |
2025 Q2
1 quarter
|
|
353
Cambria Micro and SmallCap Shareholder Yield ETF
MYLD
$51.1M
| $601K | ﹤0.01% |
22,922
+2,295
| +11% | +$57.5K |
2025 Q2
1 quarter
|
|
354
Home Depot
HD
$290B
| $598K | ﹤0.01% |
1,477
+74
| +5% | +$29.1K |
2024 Q1
6 quarters
|
|
355
iShares Russell Mid-Cap ETF
IWR
$56.6B
| $596K | ﹤0.01% |
6,177
+1,460
| +31% | +$138K |
2022 Q4
11 quarters
|
|
356
State Street SPDR Portfolio Intermediate Term Treasury ETF
SPTI
$10.4B
| $580K | ﹤0.01% |
20,059
+3,244
| +19% | +$93.2K |
2024 Q1
6 quarters
|
|
357
VanEck Semiconductor ETF
SMH
$73.5B
| $576K | ﹤0.01% |
1,765
-88
| -5% | -$26.1K |
2024 Q2
5 quarters
|
|
358
Cambria Large Cap Shareholder Yield ETF
LYLD
$8.89M
| $575K | ﹤0.01% |
20,767
+2,082
| +11% | +$56.1K |
2025 Q2
1 quarter
|
|
359
JPMorgan Nasdaq Equity Premium Income ETF
JEPQ
$44.6B
| $573K | ﹤0.01% |
9,956
-467
| -4% | -$25.9K |
2024 Q3
4 quarters
|
|
360
Invesco Global Listed Private Equity ETF
PSP
$214M
| $569K | ﹤0.01% |
8,248
-88
| -1% | -$6.23K |
2016 Q1
38 quarters
|
|
361
iShares MSCI EAFE Growth ETF
EFG
$15.1B
| $567K | ﹤0.01% |
4,980
-24
| -0.5% | -$2.67K |
2022 Q2
13 quarters
|
|
362
iShares Silver Trust
SLV
$29.5B
| $566K | ﹤0.01% |
13,365
+874
| +7% | +$31.4K |
2023 Q3
8 quarters
|
|
363
Simplify Managed Futures Strategy ETF
CTA
$1.36B
| $559K | ﹤0.01% |
19,986
+119
| +0.6% | +$3.29K |
2024 Q3
4 quarters
|
|
364
Broadcom
AVGO
$1.73T
| $558K | ﹤0.01% |
1,690
+205
| +14% | +$62.9K |
2024 Q3
4 quarters
|
|
365
Vanguard Russell 2000 ETF
VTWO
$16.4B
| $555K | ﹤0.01% |
5,670
+722
| +15% | +$67K |
2024 Q4
3 quarters
|
|
366
First Trust Innovation Leaders ETF
ILDR
$361M
| $554K | ﹤0.01% |
17,109
+5,345
| +45% | +$164K |
2025 Q2
1 quarter
|
|
367
iShares S&P Mid-Cap 400 Growth ETF
IJK
$10.5B
| $553K | ﹤0.01% |
5,765
-290
| -5% | -$27.3K |
2023 Q3
8 quarters
|
|
368
NYLIM Hedge Multi-Strategy Tracker ETF
QAI
$1B
| $548K | ﹤0.01% |
16,293
-293
| -2% | -$9.65K |
2016 Q3
36 quarters
|
|
369
Xtrackers Harvest CSI 300 China A-Shares ETF
ASHR
$1.38B
| $546K | ﹤0.01% |
16,547
-391
| -2% | -$11.8K |
2019 Q1
26 quarters
|
|
370
Timothy Plan International ETF
TPIF
$263M
| $545K | ﹤0.01% |
+16,336
| New | +$536K |
2025 Q3
0 quarters
|
|
371
Schwab 1-5 Year Corporate Bond ETF
SCHJ
$868M
| $540K | ﹤0.01% |
21,639
+450
| +2% | +$11.2K |
2025 Q2
1 quarter
|
|
372
State Street SPDR Portfolio Aggregate Bond ETF
SPAB
$9.91B
| $538K | ﹤0.01% |
20,796
+787
| +4% | +$20.1K |
2024 Q1
6 quarters
|
|
373
State Street Consumer Staples Select Sector SPDR ETF
XLP
$13.9B
| $535K | ﹤0.01% |
6,831
+366
| +6% | +$29.6K |
2025 Q1
2 quarters
|
|
374
Mastercard
MA
$516B
| $533K | ﹤0.01% |
937
-10
| -1% | -$5.74K |
2024 Q2
5 quarters
|
|
375
Intuit
INTU
$80.9B
| $532K | ﹤0.01% |
779
+16
| +2% | +$11.5K |
2024 Q1
6 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.