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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 | |
|---|---|---|---|---|---|---|---|
401
Fidelity Enhanced Mid Cap Core ETF
FMDE
$8.31B
| $462K | ﹤0.01% |
12,771
+1,512
| +13% | +$53.5K |
2025 Q2
1 quarter
|
|
402
iShares Ultra Short Duration Bond Active ETF
ICSH
$8.83B
| $458K | ﹤0.01% |
9,023
+3,290
| +57% | +$167K |
2024 Q1
6 quarters
|
|
403
Timothy Plan US Small Cap Core ETF
TPSC
$362M
| $451K | ﹤0.01% |
+10,846
| New | +$440K |
2025 Q3
0 quarters
|
|
404
Eventide US Market ETF
ESUM
$202M
| $445K | ﹤0.01% |
+16,385
| New | +$436K |
2025 Q3
0 quarters
|
|
405
Capital Group Growth ETF
CGGR
$26.6B
| $444K | ﹤0.01% |
10,109
-531
| -5% | -$22.4K |
2023 Q4
7 quarters
|
|
406
Invesco S&P 500 Equal Weight ETF
RSP
$97.5B
| $444K | ﹤0.01% |
2,341
-794
| -25% | -$148K |
2021 Q3
16 quarters
|
|
407
iShares 10-20 Year Treasury Bond ETF
TLH
$10.8B
| $442K | ﹤0.01% |
4,292
+19
| +0.4% | +$1.92K |
2016 Q2
37 quarters
|
|
408
iShares S&P Small-Cap 600 Growth ETF
IJT
$7.64B
| $441K | ﹤0.01% |
3,119
-387
| -11% | -$53.4K |
2023 Q4
7 quarters
|
|
409
Nuveen ESG Mid-Cap Value ETF
NUMV
$443M
| $441K | ﹤0.01% |
11,401
+3,176
| +39% | +$119K |
2024 Q4
3 quarters
|
|
410
iShares Russell 3000 ETF
IWV
$20.6B
| $432K | ﹤0.01% |
1,141
+134
| +13% | +$48.9K |
2021 Q3
16 quarters
|
|
411
iShares Global REIT ETF
REET
$4.63B
| $431K | ﹤0.01% |
16,873
+967
| +6% | +$24.3K |
2024 Q3
4 quarters
|
|
412
Victory Portfolios II VictoryShares Short-Term Bond ETF
USTB
$2.65B
| $424K | ﹤0.01% |
8,321
+2,037
| +32% | +$104K |
2024 Q3
4 quarters
|
|
413
Vanguard ESG US Corporate Bond ETF
VCEB
$1.17B
| $423K | ﹤0.01% |
6,586
+367
| +6% | +$23.3K |
2024 Q4
3 quarters
|
|
414
First Trust RBA American Industrial Renaissance ETF
AIRR
$9B
| $422K | ﹤0.01% |
4,366
+1,165
| +36% | +$104K |
2025 Q2
1 quarter
|
|
415
Return Stacked Bonds & Managed Futures ETF
RSBT
$165M
| $420K | ﹤0.01% |
24,098
+1,391
| +6% | +$22.9K |
2024 Q4
3 quarters
|
|
416
Vanguard Total Corporate Bond ETF
VTC
$1.65B
| $417K | ﹤0.01% |
5,325
+527
| +11% | +$40.8K |
2024 Q1
6 quarters
|
|
417
State Street SPDR S&P MIDCAP 400 ETF Trust
MDY
$25.7B
| $404K | ﹤0.01% |
678
+28
| +4% | +$16.4K |
2024 Q3
4 quarters
|
|
418
TJX Companies
TJX
$153B
| $401K | ﹤0.01% |
2,775
+9
| +0.3% | +$1.2K |
2024 Q2
5 quarters
|
|
419
State Street SPDR S&P International Small Cap ETF
GWX
$920M
| $398K | ﹤0.01% |
9,903
+987
| +11% | +$38.2K |
2024 Q1
6 quarters
|
|
420
PIMCO Enhanced Short Maturity Active Exchange-Traded Fund
MINT
$18.6B
| $397K | ﹤0.01% |
3,941
+1,544
| +64% | +$155K |
2023 Q2
9 quarters
|
|
421
Arch Capital
ACGL
$32.6B
| $395K | ﹤0.01% |
4,352
-313
| -7% | -$28.1K |
2024 Q2
5 quarters
|
|
422
First Trust Core Investment Grade ETF
FTCB
$2.65B
| $395K | ﹤0.01% |
18,550
+6,352
| +52% | +$134K |
2025 Q2
1 quarter
|
|
423
Vanguard Morningstar Mega Cap Value ETF
MGV
$13.5B
| $388K | ﹤0.01% |
2,818
+88
| +3% | +$11.8K |
2023 Q2
9 quarters
|
|
424
O'Reilly Automotive
ORLY
$69.9B
| $383K | ﹤0.01% |
3,548
-37
| -1% | -$3.72K |
2024 Q2
5 quarters
|
|
425
State Street SPDR Bloomberg Enhanced Roll Yield Commodity Strategy No K-1 ETF
CERY
$1.15B
| $382K | ﹤0.01% |
13,335
+2,387
| +22% | +$66.6K |
2025 Q2
1 quarter
|
|
Similar funds
TI
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.