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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 | |
|---|---|---|---|---|---|---|---|
401
AutoZone
AZO
$46.8B
| $516K | ﹤0.01% |
152
| – | – |
2024 Q2
6 quarters
|
|
402
Xtrackers International Real Estate ETF
HAUZ
$999M
| $515K | ﹤0.01% |
+22,192
| New | +$519K |
2025 Q4
0 quarters
|
|
403
First Trust NASDAQ-100 Technology Index Fund
QTEC
$3.99B
| $515K | ﹤0.01% |
2,236
-1
| -0% | -$233 |
2025 Q1
3 quarters
|
|
404
State Street Consumer Staples Select Sector SPDR ETF
XLP
$14B
| $502K | ﹤0.01% |
6,468
-363
| -5% | -$28.3K |
2025 Q1
3 quarters
|
|
405
iShares Core Dividend Growth ETF
DGRO
$43.3B
| $501K | ﹤0.01% |
7,216
+1,735
| +32% | +$119K |
2023 Q2
10 quarters
|
|
406
iShares 10-20 Year Treasury Bond ETF
TLH
$11.3B
| $500K | ﹤0.01% |
4,913
+621
| +14% | +$64.1K |
2016 Q2
38 quarters
|
|
407
WisdomTree US SmallCap Earnings Fund
EES
$679M
| $499K | ﹤0.01% |
8,757
-527
| -6% | -$29.5K |
2022 Q1
15 quarters
|
|
408
First Trust NASDAQ Cybersecurity ETF
CIBR
$18.8B
| $494K | ﹤0.01% |
6,918
+516
| +8% | +$38.7K |
2025 Q2
2 quarters
|
|
409
Avantis Emerging Markets Value ETF
AVES
$1.56B
| $493K | ﹤0.01% |
8,462
-652
| -7% | -$37.7K |
2025 Q1
3 quarters
|
|
410
Palantir
PLTR
$497B
| $491K | ﹤0.01% |
+2,764
| New | +$500K |
2025 Q4
0 quarters
|
|
411
Bitwise Crypto Industry Innovators ETF
BITQ
$406M
| $482K | ﹤0.01% |
24,178
-927
| -4% | -$22.8K |
2024 Q4
4 quarters
|
|
412
iShares S&P Small-Cap 600 Growth ETF
IJT
$7.64B
| $479K | ﹤0.01% |
3,393
+274
| +9% | +$38.8K |
2023 Q4
8 quarters
|
|
413
Timothy Plan US Small Cap Core ETF
TPSC
$351M
| $479K | ﹤0.01% |
11,554
+708
| +7% | +$29.2K |
2025 Q3
1 quarter
|
|
414
Global X Artificial Intelligence & Technology ETF
AIQ
$10.5B
| $477K | ﹤0.01% |
+9,376
| New | +$476K |
2025 Q4
0 quarters
|
|
415
iShares ESG Screened S&P 500 ETF
XVV
$693M
| $472K | ﹤0.01% |
+8,960
| New | +$468K |
2025 Q4
0 quarters
|
|
416
Fidelity Low Volatility Factor ETF
FDLO
$1.44B
| $471K | ﹤0.01% |
7,060
-133
| -2% | -$8.82K |
2024 Q1
7 quarters
|
|
417
First Trust RBA American Industrial Renaissance ETF
AIRR
$9B
| $470K | ﹤0.01% |
4,785
+419
| +10% | +$41K |
2025 Q2
2 quarters
|
|
418
iShares S&P Mid-Cap 400 Growth ETF
IJK
$10.7B
| $469K | ﹤0.01% |
4,845
-920
| -16% | -$88.6K |
2023 Q3
9 quarters
|
|
419
Capital Group Municipal High-Income ETF
CGHM
$3.41B
| $468K | ﹤0.01% |
18,376
-209
| -1% | -$5.33K |
2024 Q4
4 quarters
|
|
420
iShares Russell 3000 ETF
IWV
$20.6B
| $464K | ﹤0.01% |
1,199
+58
| +5% | +$22.3K |
2021 Q3
17 quarters
|
|
421
Invesco ESG S&P 500 Equal Weight ETF
RSPE
$71.4M
| $462K | ﹤0.01% |
+15,525
| New | +$453K |
2025 Q4
0 quarters
|
|
422
Vanguard Total Corporate Bond ETF
VTC
$1.63B
| $460K | ﹤0.01% |
5,922
+597
| +11% | +$46.7K |
2024 Q1
7 quarters
|
|
423
Capital Group Growth ETF
CGGR
$26.6B
| $459K | ﹤0.01% |
10,330
+221
| +2% | +$9.76K |
2023 Q4
8 quarters
|
|
424
Eli Lilly
LLY
$1.05T
| $457K | ﹤0.01% |
+425
| New | +$406K |
2025 Q4
0 quarters
|
|
425
NEOS Nasdaq 100 High Income ETF
QQQI
$15.2B
| $455K | ﹤0.01% |
+8,448
| New | +$460K |
2025 Q4
0 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.