Betterment LLC Portfolio holdings

AUM $42.2B

AUM

$42.2B

AUM Growth

+$206M (+0.5%)

Cap. Flow

+$479M

Cap. Flow % of AUM

1.14%

Top 10 Holdings %Top 10 Pos %

68.81%

Holding

472

New

Increased

265

Reduced

163

Closed

1	1 SPDR Portfolio S&P 500 ETF SPLG	$788M
2	2 iShares Core US Aggregate Bond ETF AGG	$196M
3	3 Schwab US Large- Cap ETF SCHX	$159M
4	4 JPMorgan Ultra-Short Income ETF JPST	$150M
5	5 SPDR Nuveen Bloomberg Municipal Bond ETF TFI	$94.4M

1	1 Vanguard Total Stock Market ETF VTI	$240M
2	2 Vanguard FTSE Emerging Markets ETF VWO	$181M
3	3 Vanguard FTSE Developed Markets ETF VEA	$178M
4	4 Vanguard Total International Bond ETF BNDX	$126M
5	5 iShares JPMorgan USD Emerging Markets Bond ETF EMB	$95.8M

#	Name	Market Value	Shares or Principal	Shares Change %	Capital Flow	Portfolio Weight
451	451 Walt Disney DIS $203B	$211K	2,134 +1	+0.1%	+$99	0%
452	452 Netflix NFLX $507B	$209K	224	New	+$209K	0%
453	453 Inspire 100 ETF BIBL $316M	$205K	5,342 -81	-1%	-$3.11K	0%
454	454 Cummins CMI $46.4B	$205K	654 +4	+0.6%	+$1.25K	0%
455	QHY 455 WisdomTree U.S. High Yield Corporate Bond Fund QHY $196M	$205K	4,540	New	+$205K	0%
456	456 Vanguard FTSE All-World ex-US Small-Cap Index Fund VSS $8.73B	$204K	1,763 -393	-18%	-$45.5K	0%
457	457 Invesco S&P MidCap Momentum ETF XMMO $3.8B	$204K	1,789 -984	-35%	-$112K	0%
458	458 Aptus Collared Investment Opportunity ETF ACIO $1.86B	$202K	5,213	New	+$202K	0%
459	459 GraniteShares Gold Shares BAR $1.11B	$0	0	Closed	–	0%
460	460 JPMorgan BetaBuilders International Equity ETF BBIN $5.22B	$0	0	Closed	–	0%
461	461 BlackRock Flexible Income ETF BINC $9.01B	$0	0	Closed	–	0%
462	462 Amplify Transformational Data Sharing ETF BLOK $882M	$0	0	Closed	–	0%
463	463 Caterpillar CAT $166B	$0	0	Closed	–	0%
464	464 Inspire Corporate Bond ETF IBD $382M	$0	0	Closed	–	0%
465	465 McDonald's MCD $230B	$0	0	Closed	–	0%
466	466 iShares Preferred and Income Securities ETF PFF $13.8B	$0	0	Closed	–	0%
467	467 PNC Financial Services PNC $70.7B	$0	0	Closed	–	0%
468	468 Return Stacked US Stocks & Managed Futures ETF RSST $248M	$0	0	Closed	–	0%
469	469 Clockwise Core Equity & Innovation ETF TIME $23.5M	$0	0	Closed	–	0%
470	470 Tesla TSLA $1.1T	$0	0	Closed	–	0%
471	471 Vanguard Financials ETF VFH $12.2B	$0	0	Closed	–	0%
472	472 Vanguard Utilities ETF VPU $6.99B	$0	0	Closed	–	0%