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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 | |
|---|---|---|---|---|---|---|---|
426
iShares GNMA Bond ETF
GNMA
$412M
| $380K | ﹤0.01% |
8,569
+882
| +11% | +$38.7K |
2024 Q1
6 quarters
|
|
427
Franklin International Core Dividend Tilt Index ETF
DIVI
$2.63B
| $377K | ﹤0.01% |
10,106
+709
| +8% | +$25.8K |
2024 Q3
4 quarters
|
|
428
iShares Core Dividend Growth ETF
DGRO
$43B
| $373K | ﹤0.01% |
5,481
+4
| +0.1% | +$264 |
2023 Q2
9 quarters
|
|
429
iShares S&P 100 ETF
OEF
$20.8B
| $364K | ﹤0.01% |
1,095
-276
| -20% | -$87.8K |
2024 Q2
5 quarters
|
|
430
iShares Core MSCI Pacific ETF
IPAC
$2.76B
| $363K | ﹤0.01% |
+4,938
| New | +$351K |
2025 Q3
0 quarters
|
|
431
Netflix
NFLX
$293B
| $363K | ﹤0.01% |
3,030
+490
| +19% | +$59.8K |
2025 Q1
2 quarters
|
|
432
iShares ESG Advanced MSCI USA ETF
USXF
$1.48B
| $363K | ﹤0.01% |
6,329
-575
| -8% | -$32.1K |
2021 Q2
17 quarters
|
|
433
PIMCO Intermediate Municipal Bond Active Exchange-Traded Fund
MUNI
$3.1B
| $359K | ﹤0.01% |
6,867
+77
| +1% | +$3.97K |
2024 Q2
5 quarters
|
|
434
Avantis International Large Cap Value ETF
AVIV
$2.03B
| $356K | ﹤0.01% |
5,277
+1,098
| +26% | +$71.1K |
2025 Q2
1 quarter
|
|
435
ProShares UltraPro QQQ
TQQQ
$39.5B
| $356K | ﹤0.01% |
+6,892
| New | +$314K |
2025 Q3
0 quarters
|
|
436
Invesco Total Return Bond ETF
GTO
$2.44B
| $353K | ﹤0.01% |
7,434
+194
| +3% | +$9.13K |
2024 Q1
6 quarters
|
|
437
iShares ESG Aware 1-5 Year USD Corporate Bond ETF
SUSB
$1.29B
| $351K | ﹤0.01% |
13,884
+3,631
| +35% | +$91.4K |
2021 Q2
17 quarters
|
|
438
iShares International Select Dividend ETF
IDV
$8.13B
| $349K | ﹤0.01% |
9,544
+846
| +10% | +$30.4K |
2025 Q2
1 quarter
|
|
439
JPMorgan Active Bond ETF
JBND
$8.72B
| $343K | ﹤0.01% |
+6,339
| New | +$340K |
2025 Q3
0 quarters
|
|
440
Invesco FTSE RAFI Developed Markets ex-US ETF
PXF
$2.92B
| $336K | ﹤0.01% |
5,496
+1,975
| +56% | +$117K |
2022 Q1
14 quarters
|
|
441
AbbVie
ABBV
$489B
| $333K | ﹤0.01% |
1,437
-7
| -0.5% | -$1.43K |
2024 Q1
6 quarters
|
|
442
iShares S&P Small-Cap 600 Value ETF
IJS
$7.66B
| $332K | ﹤0.01% |
3,006
-163
| -5% | -$17.3K |
2023 Q3
8 quarters
|
|
443
Direxion Daily S&P 500 Bull 3x ETF
SPXL
$7.36B
| $332K | ﹤0.01% |
+1,565
| New | +$299K |
2025 Q3
0 quarters
|
|
444
iShares US Technology ETF
IYW
$27B
| $330K | ﹤0.01% |
1,687
-54
| -3% | -$9.88K |
2023 Q2
9 quarters
|
|
445
Johnson & Johnson
JNJ
$630B
| $329K | ﹤0.01% |
1,775
+16
| +0.9% | +$2.74K |
2025 Q1
2 quarters
|
|
446
Opus Small Cap Value ETF
OSCV
$623M
| $325K | ﹤0.01% |
8,496
+1,021
| +14% | +$38.2K |
2025 Q2
1 quarter
|
|
447
Xtrackers Bloomberg Developed Markets ex US Equity ETF
DMXU
$65.5M
| $322K | ﹤0.01% |
9,302
+1,151
| +14% | +$39K |
2025 Q2
1 quarter
|
|
448
Visa
V
$724B
| $322K | ﹤0.01% |
943
+91
| +11% | +$31.5K |
2024 Q2
5 quarters
|
|
449
American Conservative Values ETF
ACVF
$156M
| $311K | ﹤0.01% |
6,313
-317
| -5% | -$15.3K |
2024 Q3
4 quarters
|
|
450
iShares Preferred and Income Securities ETF
PFF
$12.2B
| $309K | ﹤0.01% |
+9,763
| New | +$307K |
2025 Q3
0 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.