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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 | |
|---|---|---|---|---|---|---|---|
376
BNY Mellon US Large Cap Core Equity ETF
BKLC
$5.94B
| $530K | ﹤0.01% |
12,378
+18
| +0.1% | +$738 |
2024 Q1
6 quarters
|
|
377
VanEck Bitcoin Trust
HODL
$1.38B
| $527K | ﹤0.01% |
16,279
-113
| -0.7% | -$3.66K |
2024 Q1
6 quarters
|
|
378
State Street Financial Select Sector SPDR ETF
XLF
$51.1B
| $527K | ﹤0.01% |
9,786
+750
| +8% | +$39.7K |
2025 Q1
2 quarters
|
|
379
State Street Multi-Asset Real Return ETF
RLY
$1.43B
| $526K | ﹤0.01% |
17,027
+1,773
| +12% | +$53.2K |
2023 Q4
7 quarters
|
|
380
Avantis Emerging Markets Value ETF
AVES
$1.56B
| $523K | ﹤0.01% |
9,114
+88
| +1% | +$4.89K |
2025 Q1
2 quarters
|
|
381
WisdomTree US SmallCap Earnings Fund
EES
$679M
| $519K | ﹤0.01% |
9,284
-159
| -2% | -$8.61K |
2022 Q1
14 quarters
|
|
382
First Trust NASDAQ-100 Technology Index Fund
QTEC
$4B
| $514K | ﹤0.01% |
2,237
-798
| -26% | -$173K |
2025 Q1
2 quarters
|
|
383
Meta Platforms (Facebook)
META
$1.9T
| $507K | ﹤0.01% |
690
+83
| +14% | +$61.8K |
2024 Q3
4 quarters
|
|
384
State Street Technology Select Sector SPDR ETF
XLK
$130B
| $500K | ﹤0.01% |
3,546
-92
| -3% | -$12.2K |
2024 Q2
5 quarters
|
|
385
State Street SPDR Bloomberg 3-12 Month T-Bill ETF
BILS
$3.9B
| $499K | ﹤0.01% |
5,012
+1,696
| +51% | +$168K |
2025 Q2
1 quarter
|
|
386
Procter & Gamble
PG
$352B
| $496K | ﹤0.01% |
3,227
-458
| -12% | -$71.5K |
2023 Q4
7 quarters
|
|
387
Fidelity High Dividend ETF
FDVV
$10.3B
| $495K | ﹤0.01% |
8,879
+492
| +6% | +$26.8K |
2024 Q2
5 quarters
|
|
388
Goldman Sachs
GS
$260B
| $495K | ﹤0.01% |
622
+28
| +5% | +$20.7K |
2024 Q2
5 quarters
|
|
389
JPMorgan Income ETF
JPIE
$11B
| $493K | ﹤0.01% |
10,624
+1,406
| +15% | +$65.1K |
2024 Q4
3 quarters
|
|
390
abrdn Physical Silver Shares ETF
SIVR
$4.09B
| $493K | ﹤0.01% |
11,073
-2,268
| -17% | -$85.5K |
2023 Q2
9 quarters
|
|
391
Vanguard Morningstar Mega Cap ETF
MGC
$10.5B
| $491K | ﹤0.01% |
2,013
+138
| +7% | +$32.3K |
2023 Q4
7 quarters
|
|
392
ARK Innovation ETF
ARKK
$9.28B
| $488K | ﹤0.01% |
5,659
-134
| -2% | -$10.2K |
2021 Q2
17 quarters
|
|
393
First Trust NASDAQ Cybersecurity ETF
CIBR
$18.9B
| $487K | ﹤0.01% |
6,402
+3,651
| +133% | +$270K |
2025 Q2
1 quarter
|
|
394
iShares Core US REIT ETF
USRT
$4.18B
| $484K | ﹤0.01% |
8,235
-2,270
| -22% | -$130K |
2022 Q4
11 quarters
|
|
395
Invesco S&P 100 Equal Weight ETF
EQWL
$2.82B
| $478K | ﹤0.01% |
4,167
+362
| +10% | +$40.6K |
2025 Q2
1 quarter
|
|
396
Adasina Social Justice All Cap Global ETF
JSTC
$301M
| $476K | ﹤0.01% |
23,410
+743
| +3% | +$14.9K |
2024 Q3
4 quarters
|
|
397
Fidelity Low Volatility Factor ETF
FDLO
$1.44B
| $474K | ﹤0.01% |
7,193
-301
| -4% | -$19.3K |
2024 Q1
6 quarters
|
|
398
Capital Group Municipal High-Income ETF
CGHM
$3.4B
| $470K | ﹤0.01% |
18,585
+189
| +1% | +$4.67K |
2024 Q4
3 quarters
|
|
399
Tesla
TSLA
$1.51T
| $463K | ﹤0.01% |
+1,041
| New | +$361K |
2025 Q3
0 quarters
|
|
400
iShares MSCI Emerging Markets ETF
EEM
$30.7B
| $462K | ﹤0.01% |
8,644
+43
| +0.5% | +$2.16K |
2024 Q3
4 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.