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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 | |
|---|---|---|---|---|---|---|---|
426
Xtrackers Bloomberg Developed Markets ex US Equity ETF
DMXU
$65.5M
| $451K | ﹤0.01% |
12,829
+3,527
| +38% | +$124K |
2025 Q2
2 quarters
|
|
427
TJX Companies
TJX
$153B
| $451K | ﹤0.01% |
2,938
+163
| +6% | +$24.1K |
2024 Q2
6 quarters
|
|
428
Eventide US Market ETF
ESUM
$202M
| $451K | ﹤0.01% |
16,753
+368
| +2% | +$10K |
2025 Q3
1 quarter
|
|
429
iShares Global REIT ETF
REET
$4.63B
| $450K | ﹤0.01% |
18,033
+1,160
| +7% | +$29.3K |
2024 Q3
5 quarters
|
|
430
iShares Core MSCI Pacific ETF
IPAC
$2.76B
| $447K | ﹤0.01% |
6,112
+1,174
| +24% | +$87K |
2025 Q3
1 quarter
|
|
431
Return Stacked Bonds & Managed Futures ETF
RSBT
$165M
| $443K | ﹤0.01% |
24,695
+597
| +2% | +$10.8K |
2024 Q4
4 quarters
|
|
432
State Street SPDR S&P MIDCAP 400 ETF Trust
MDY
$25.7B
| $442K | ﹤0.01% |
732
+54
| +8% | +$32.3K |
2024 Q3
5 quarters
|
|
433
State Street SPDR S&P International Small Cap ETF
GWX
$920M
| $441K | ﹤0.01% |
10,787
+884
| +9% | +$35.5K |
2024 Q1
7 quarters
|
|
434
Advanced Micro Devices
AMD
$993B
| $440K | ﹤0.01% |
+2,055
| New | +$462K |
2025 Q4
0 quarters
|
|
435
Nuveen ESG Mid-Cap Value ETF
NUMV
$443M
| $437K | ﹤0.01% |
11,172
-229
| -2% | -$8.9K |
2024 Q4
4 quarters
|
|
436
First Trust Core Investment Grade ETF
FTCB
$2.65B
| $434K | ﹤0.01% |
20,452
+1,902
| +10% | +$40.6K |
2025 Q2
2 quarters
|
|
437
Invesco Dorsey Wright Technology Momentum ETF
PTF
$634M
| $433K | ﹤0.01% |
5,658
+1,725
| +44% | +$135K |
2025 Q3
1 quarter
|
|
438
Victory Portfolios II VictoryShares Short-Term Bond ETF
USTB
$2.65B
| $428K | ﹤0.01% |
8,420
+99
| +1% | +$5.04K |
2024 Q3
5 quarters
|
|
439
Johnson & Johnson
JNJ
$630B
| $423K | ﹤0.01% |
2,045
+270
| +15% | +$53.4K |
2025 Q1
3 quarters
|
|
440
ARK Innovation ETF
ARKK
$9.33B
| $420K | ﹤0.01% |
5,459
-200
| -4% | -$16.6K |
2021 Q2
18 quarters
|
|
441
Arch Capital
ACGL
$32.6B
| $417K | ﹤0.01% |
4,352
| – | – |
2024 Q2
6 quarters
|
|
442
PIMCO Enhanced Short Maturity Active Exchange-Traded Fund
MINT
$18.6B
| $415K | ﹤0.01% |
4,136
+195
| +5% | +$19.6K |
2023 Q2
10 quarters
|
|
443
abrdn Physical Platinum Shares ETF
PPLT
$2.01B
| $413K | ﹤0.01% |
22,140
+5,350
| +32% | +$82.4K |
2025 Q2
2 quarters
|
|
444
ExxonMobil
XOM
$695B
| $413K | ﹤0.01% |
3,436
+691
| +25% | +$80.1K |
2024 Q1
7 quarters
|
|
445
VanEck Bitcoin Trust
HODL
$1.37B
| $411K | ﹤0.01% |
16,631
+352
| +2% | +$9.96K |
2024 Q1
7 quarters
|
|
446
Invesco S&P MidCap Value with Momentum ETF
XMVM
$506M
| $408K | ﹤0.01% |
+6,360
| New | +$393K |
2025 Q4
0 quarters
|
|
447
iShares Core US REIT ETF
USRT
$4.28B
| $404K | ﹤0.01% |
7,097
-1,138
| -14% | -$65.9K |
2022 Q4
12 quarters
|
|
448
Vanguard Health Care ETF
VHT
$19.3B
| $404K | ﹤0.01% |
1,403
+404
| +40% | +$113K |
2025 Q1
3 quarters
|
|
449
iShares GNMA Bond ETF
GNMA
$412M
| $403K | ﹤0.01% |
9,039
+470
| +5% | +$20.9K |
2024 Q1
7 quarters
|
|
450
AbbVie
ABBV
$489B
| $395K | ﹤0.01% |
1,727
+290
| +20% | +$66.1K |
2024 Q1
7 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.