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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 | |
|---|---|---|---|---|---|---|---|
376
Simplify Managed Futures Strategy ETF
CTA
$1.36B
| $565K | ﹤0.01% |
20,722
+736
| +4% | +$20.2K |
2024 Q3
5 quarters
|
|
377
Timothy Plan International ETF
TPIF
$262M
| $565K | ﹤0.01% |
16,293
-43
| -0.3% | -$1.46K |
2025 Q3
1 quarter
|
|
378
Cambria Large Cap Shareholder Yield ETF
LYLD
$8.89M
| $565K | ﹤0.01% |
20,288
-479
| -2% | -$13.2K |
2025 Q2
2 quarters
|
|
379
JPMorgan Income ETF
JPIE
$11B
| $560K | ﹤0.01% |
12,089
+1,465
| +14% | +$67.9K |
2024 Q4
4 quarters
|
|
380
Invesco Global Listed Private Equity ETF
PSP
$214M
| $553K | ﹤0.01% |
8,241
-7
| -0.1% | -$469 |
2016 Q1
39 quarters
|
|
381
Mastercard
MA
$524B
| $552K | ﹤0.01% |
967
+30
| +3% | +$16.8K |
2024 Q2
6 quarters
|
|
382
Home Depot
HD
$291B
| $551K | ﹤0.01% |
1,600
+123
| +8% | +$45.1K |
2024 Q1
7 quarters
|
|
383
State Street SPDR Portfolio Aggregate Bond ETF
SPAB
$9.94B
| $549K | ﹤0.01% |
21,334
+538
| +3% | +$13.9K |
2024 Q1
7 quarters
|
|
384
Invesco S&P SmallCap Consumer Staples ETF
PSCC
$33.9M
| $545K | ﹤0.01% |
17,532
-2,412
| -12% | -$76.9K |
2025 Q2
2 quarters
|
|
385
Schwab 1-5 Year Corporate Bond ETF
SCHJ
$898M
| $541K | ﹤0.01% |
21,739
+100
| +0.5% | +$2.49K |
2025 Q2
2 quarters
|
|
386
Netflix
NFLX
$295B
| $539K | ﹤0.01% |
5,750
+2,720
| +90% | +$293K |
2025 Q1
3 quarters
|
|
387
NYLIM Hedge Multi-Strategy Tracker ETF
QAI
$1B
| $539K | ﹤0.01% |
16,078
-215
| -1% | -$7.26K |
2016 Q3
37 quarters
|
|
388
Goldman Sachs
GS
$259B
| $538K | ﹤0.01% |
612
-10
| -2% | -$8.16K |
2024 Q2
6 quarters
|
|
389
State Street Technology Select Sector SPDR ETF
XLK
$129B
| $534K | ﹤0.01% |
3,711
+165
| +5% | +$23.8K |
2024 Q2
6 quarters
|
|
390
VanEck Semiconductor ETF
SMH
$71.9B
| $533K | ﹤0.01% |
1,480
-285
| -16% | -$100K |
2024 Q2
6 quarters
|
|
391
Fidelity Enhanced Mid Cap Core ETF
FMDE
$8.33B
| $532K | ﹤0.01% |
14,612
+1,841
| +14% | +$66.3K |
2025 Q2
2 quarters
|
|
392
Vanguard Morningstar Mega Cap ETF
MGC
$10.5B
| $528K | ﹤0.01% |
2,102
+89
| +4% | +$22.1K |
2023 Q4
8 quarters
|
|
393
Invesco Total Return Bond ETF
GTO
$2.47B
| $523K | ﹤0.01% |
11,022
+3,588
| +48% | +$171K |
2024 Q1
7 quarters
|
|
394
Fidelity High Dividend ETF
FDVV
$10.4B
| $522K | ﹤0.01% |
9,209
+330
| +4% | +$18.5K |
2024 Q2
6 quarters
|
|
395
Vanguard Russell 2000 ETF
VTWO
$16.6B
| $522K | ﹤0.01% |
5,241
-429
| -8% | -$42.6K |
2024 Q4
4 quarters
|
|
396
State Street SPDR Bloomberg 3-12 Month T-Bill ETF
BILS
$3.9B
| $521K | ﹤0.01% |
5,252
+240
| +5% | +$23.8K |
2025 Q2
2 quarters
|
|
397
Xtrackers Harvest CSI 300 China A-Shares ETF
ASHR
$1.37B
| $520K | ﹤0.01% |
15,838
-709
| -4% | -$23.3K |
2019 Q1
27 quarters
|
|
398
Invesco S&P 100 Equal Weight ETF
EQWL
$2.82B
| $520K | ﹤0.01% |
4,401
+234
| +6% | +$27.3K |
2025 Q2
2 quarters
|
|
399
Intuit
INTU
$82.4B
| $519K | ﹤0.01% |
784
+5
| +0.6% | +$3.3K |
2024 Q1
7 quarters
|
|
400
Procter & Gamble
PG
$355B
| $518K | ﹤0.01% |
3,612
+385
| +12% | +$56.8K |
2023 Q4
8 quarters
|
|
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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.