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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 | |
|---|---|---|---|---|---|---|---|
451
ExxonMobil
XOM
$695B
| $309K | ﹤0.01% |
2,745
+23
| +0.8% | +$2.56K |
2024 Q1
6 quarters
|
|
452
First Trust Senior Loan Fund ETF
FTSL
$2.43B
| $305K | ﹤0.01% |
6,649
-2,308
| -26% | -$106K |
2025 Q1
2 quarters
|
|
453
Eventide High Dividend ETF
ELCV
$298M
| $303K | ﹤0.01% |
+11,344
| New | +$296K |
2025 Q3
0 quarters
|
|
454
Ross Stores
ROST
$71B
| $300K | ﹤0.01% |
1,966
+10
| +0.5% | +$1.43K |
2024 Q2
5 quarters
|
|
455
Abbott
ABT
$172B
| $295K | ﹤0.01% |
2,203
-280
| -11% | -$36.8K |
2024 Q1
6 quarters
|
|
456
ProShares S&P 500 Dividend Aristocrats ETF
NOBL
$11.1B
| $294K | ﹤0.01% |
5,696
+308
| +6% | +$15.9K |
2024 Q2
5 quarters
|
|
457
Invesco Dorsey Wright Technology Momentum ETF
PTF
$638M
| $294K | ﹤0.01% |
+3,933
| New | +$274K |
2025 Q3
0 quarters
|
|
458
WisdomTree Managed Futures Strategy Fund
WTMF
$283M
| $294K | ﹤0.01% |
7,759
-4,689
| -38% | -$171K |
2016 Q3
36 quarters
|
|
459
Lockheed Martin
LMT
$118B
| $292K | ﹤0.01% |
584
+72
| +14% | +$32.7K |
2024 Q1
6 quarters
|
|
460
Williams Companies
WMB
$88.9B
| $292K | ﹤0.01% |
+4,612
| New | +$271K |
2025 Q3
0 quarters
|
|
461
Innovator US Equity Power Buffer ETF February
PFEB
$902M
| $291K | ﹤0.01% |
7,326
-3,804
| -34% | -$148K |
2023 Q1
10 quarters
|
|
462
iShares Currency Hedged MSCI EAFE ETF
HEFA
$7.48B
| $289K | ﹤0.01% |
7,297
-136
| -2% | -$5.24K |
2025 Q2
1 quarter
|
|
463
Vanguard Consumer Staples ETF
VDC
$7.76B
| $289K | ﹤0.01% |
+1,352
| New | +$296K |
2025 Q3
0 quarters
|
|
464
Janus Henderson B-BBB CLO ETF
JBBB
$1.51B
| $287K | ﹤0.01% |
+5,967
| New | +$288K |
2025 Q3
0 quarters
|
|
465
Victory Portfolios II VictoryShares Core Intermediate Bond ETF
UITB
$2.57B
| $285K | ﹤0.01% |
5,994
+429
| +8% | +$20.2K |
2024 Q2
5 quarters
|
|
466
Cummins
CMI
$72.1B
| $284K | ﹤0.01% |
673
+23
| +4% | +$8.82K |
2024 Q3
4 quarters
|
|
467
iShares Expanded Tech Sector ETF
IGM
$11.6B
| $284K | ﹤0.01% |
2,255
-93
| -4% | -$11K |
2025 Q2
1 quarter
|
|
468
State Street SPDR Portfolio High Yield Bond ETF
SPHY
$11.8B
| $284K | ﹤0.01% |
11,869
+799
| +7% | +$19K |
2024 Q1
6 quarters
|
|
469
Invesco S&P MidCap Quality ETF
XMHQ
$5.47B
| $284K | ﹤0.01% |
2,708
-47
| -2% | -$4.84K |
2025 Q1
2 quarters
|
|
470
iShares A.I. Innovation and Tech Active ETF
BAI
$14.8B
| $284K | ﹤0.01% |
8,323
+736
| +10% | +$23.2K |
2025 Q2
1 quarter
|
|
471
Innovator US Equity Power Buffer ETF October
POCT
$968M
| $278K | ﹤0.01% |
6,459
-48
| -0.7% | -$2.03K |
2022 Q1
14 quarters
|
|
472
State Street SPDR Portfolio Corporate Bond ETF
SPBO
$2.17B
| $278K | ﹤0.01% |
9,381
+994
| +12% | +$29.1K |
2025 Q2
1 quarter
|
|
473
Vanguard FTSE All-World ex-US Small-Cap Index Fund
VSS
$11.7B
| $278K | ﹤0.01% |
1,948
+117
| +6% | +$16.2K |
2022 Q4
11 quarters
|
|
474
iShares MSCI USA Min Vol Factor ETF
USMV
$23.9B
| $276K | ﹤0.01% |
+2,896
| New | +$271K |
2025 Q3
0 quarters
|
|
475
First Trust Intermediate Duration Investment Grade Corporate ETF
FIIG
$626M
| $267K | ﹤0.01% |
12,560
-1,119
| -8% | -$23.6K |
2025 Q2
1 quarter
|
|
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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.