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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 | |
|---|---|---|---|---|---|---|---|
351
iShares US Treasury Bond ETF
GOVT
$41.7B
| $700K | ﹤0.01% |
30,380
+1,818
| +6% | +$42.1K |
2022 Q2
14 quarters
|
|
352
Cambria Global Real Estate ETF
BLDG
$51.1M
| $697K | ﹤0.01% |
28,505
-22
| -0.1% | -$553 |
2021 Q1
19 quarters
|
|
353
Cambria Shareholder Yield ETF
SYLD
$980M
| $684K | ﹤0.01% |
9,836
-116
| -1% | -$7.97K |
2016 Q4
36 quarters
|
|
354
Texas Instruments
TXN
$256B
| $677K | ﹤0.01% |
3,904
-7
| -0.2% | -$1.2K |
2024 Q1
7 quarters
|
|
355
Innovator Defined Wealth Shield ETF
BALT
$3.12B
| $676K | ﹤0.01% |
20,160
+13,851
| +220% | +$458K |
2025 Q3
1 quarter
|
|
356
iShares ESG Advanced MSCI EAFE ETF
DMXF
$1.01B
| $668K | ﹤0.01% |
8,889
-360
| -4% | -$27.5K |
2021 Q2
18 quarters
|
|
357
First Trust Smith Unconstrained Bond ETF
UCON
$3.14B
| $665K | ﹤0.01% |
26,414
+2,164
| +9% | +$54.6K |
2025 Q1
3 quarters
|
|
358
Vanguard ESG US Corporate Bond ETF
VCEB
$1.2B
| $655K | ﹤0.01% |
10,300
+3,714
| +56% | +$238K |
2024 Q4
4 quarters
|
|
359
Vanguard FTSE All-World ex-US Small-Cap Index Fund
VSS
$11.5B
| $650K | ﹤0.01% |
4,532
+2,584
| +133% | +$368K |
2022 Q4
12 quarters
|
|
360
Franklin International Core Dividend Tilt Index ETF
DIVI
$2.63B
| $640K | ﹤0.01% |
16,467
+6,361
| +63% | +$243K |
2024 Q3
5 quarters
|
|
361
iShares Russell 1000 Value ETF
IWD
$83.2B
| $640K | ﹤0.01% |
3,044
-1,552
| -34% | -$321K |
2023 Q1
11 quarters
|
|
362
iShares MSCI Emerging Markets ETF
EEM
$30.7B
| $637K | ﹤0.01% |
11,649
+3,005
| +35% | +$163K |
2024 Q3
5 quarters
|
|
363
Impact Shares NAACP Minority Empowerment ETF
NACP
$77.4M
| $632K | ﹤0.01% |
12,831
-1,775
| -12% | -$86.8K |
2020 Q4
20 quarters
|
|
364
State Street SPDR Portfolio Short Term Corporate Bond ETF
SPSB
$11.2B
| $631K | ﹤0.01% |
20,900
-15,042
| -42% | -$455K |
2023 Q2
10 quarters
|
|
365
First Trust Innovation Leaders ETF
ILDR
$366M
| $625K | ﹤0.01% |
18,957
+1,848
| +11% | +$61.3K |
2025 Q2
2 quarters
|
|
366
JPMorgan US Quality Factor ETF
JQUA
$9.27B
| $613K | ﹤0.01% |
9,709
-790
| -8% | -$49.6K |
2024 Q2
6 quarters
|
|
367
Invesco S&P 500 Equal Weight ETF
RSP
$97.3B
| $612K | ﹤0.01% |
3,194
+853
| +36% | +$162K |
2021 Q3
17 quarters
|
|
368
iShares MSCI EAFE Growth ETF
EFG
$15.1B
| $610K | ﹤0.01% |
5,353
+373
| +7% | +$42.8K |
2022 Q2
14 quarters
|
|
369
State Street SPDR Portfolio Intermediate Term Treasury ETF
SPTI
$10.6B
| $602K | ﹤0.01% |
20,873
+814
| +4% | +$23.6K |
2024 Q1
7 quarters
|
|
370
Cambria Micro and SmallCap Shareholder Yield ETF
MYLD
$51.9M
| $594K | ﹤0.01% |
22,168
-754
| -3% | -$19.7K |
2025 Q2
2 quarters
|
|
371
iShares Russell Mid-Cap ETF
IWR
$56.7B
| $587K | ﹤0.01% |
6,098
-79
| -1% | -$7.6K |
2022 Q4
12 quarters
|
|
372
Return Stacked U.S. Stocks & Gold/Bitcoin ETF
RSSX
$99.8M
| $584K | ﹤0.01% |
+22,928
| New | +$594K |
2025 Q4
0 quarters
|
|
373
BNY Mellon US Large Cap Core Equity ETF
BKLC
$5.94B
| $582K | ﹤0.01% |
13,347
+969
| +8% | +$41.9K |
2024 Q1
7 quarters
|
|
374
State Street Multi-Asset Real Return ETF
RLY
$1.43B
| $577K | ﹤0.01% |
18,340
+1,313
| +8% | +$41.2K |
2023 Q4
8 quarters
|
|
375
Invesco S&P 500 Quality ETF
SPHQ
$19.1B
| $570K | ﹤0.01% |
7,592
-4,575
| -38% | -$340K |
2024 Q2
6 quarters
|
|
Similar funds
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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.