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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
+8.07%
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
$47B
AUM Growth
+$4.81B
(+11%)
Cap. Flow
+$1.4B
Cap. Flow
% of AUM
2.99%
Top 10 Holdings %
Top 10 Hldgs %
68.55%
Holding
510
New
52
Increased
262
Reduced
178
Closed
13
Avg Time Held
12
quarters
Top 10 Avg Time Held
25.6
quarters
Top 20 Avg Time Held
24.1
quarters
Top Buys
| Rank | Stock | Value |
|---|---|---|
| 1 |
SPYM
State Street SPDR Portfolio S&P 500 ETF
SPYM
|
+$606M |
| 2 |
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
|
+$175M |
| 3 |
Schwab US Large- Cap ETF
SCHX
|
+$125M |
| 4 |
iShares Core US Aggregate Bond ETF
AGG
|
+$117M |
| 5 |
JPMorgan Ultra-Short Income ETF
JPST
|
+$106M |
Top Sells
| Rank | Stock | Value |
|---|---|---|
| 1 |
Vanguard FTSE Emerging Markets ETF
VWO
|
+$150M |
| 2 |
iShares Core MSCI Emerging Markets ETF
IEMG
|
+$60.5M |
| 3 |
Goldman Sachs ActiveBeta International Equity ETF
GSIE
|
+$59.9M |
| 4 |
iShares Core MSCI EAFE ETF
IEFA
|
+$43.2M |
| 5 |
Vanguard Total International Bond ETF
BNDX
|
+$41.2M |
Sector Composition
| Rank | Sector | Weight |
|---|---|---|
| 1 | Miscellaneous | 99.94% |
| 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 | |
|---|---|---|---|---|---|---|---|
26
iShares ESG Aware MSCI EAFE ETF
ESGD
$11.8B
| $344M | 0.73% |
3,856,164
+560,676
| +17% | +$47.8M |
2020 Q1
21 quarters
|
|
27
State Street SPDR Portfolio Developed World ex-US ETF
SPDW
$40.8B
| $313M | 0.67% |
7,726,859
+1,535,351
| +25% | +$58.9M |
2021 Q4
14 quarters
|
|
28
iShares Low Carbon Optimized MSCI ACWI ETF
CRBN
$1.18B
| $272M | 0.58% |
1,285,649
-12,163
| -0.9% | -$2.4M |
2020 Q4
18 quarters
|
|
29
iShares Russell Mid-Cap Value ETF
IWS
$15.2B
| $217M | 0.46% |
1,639,610
-71,250
| -4% | -$8.94M |
2014 Q4
42 quarters
|
|
30
Vanguard S&P 500 ETF
VOO
$1.06T
| $173M | 0.37% |
303,933
+30,564
| +11% | +$16.1M |
2016 Q3
35 quarters
|
|
31
Vanguard Total Bond Market
BND
$159B
| $137M | 0.29% |
1,854,836
+146,769
| +9% | +$10.7M |
2014 Q4
42 quarters
|
|
32
State Street SPDR Portfolio S&P 500 Value ETF
SPYV
$36.4B
| $131M | 0.28% |
2,512,074
-62,758
| -2% | -$3.14M |
2018 Q4
26 quarters
|
|
33
iShares ESG Aware MSCI EM ETF
ESGE
$6.92B
| $131M | 0.28% |
3,346,542
+368,576
| +12% | +$13.3M |
2018 Q3
27 quarters
|
|
34
Vanguard Morningstar Growth ETF
VUG
$237B
| $127M | 0.27% |
1,740,930
+135,888
| +8% | +$8.95M |
2015 Q4
38 quarters
|
|
|
35
Goldman Sachs ActiveBeta International Equity ETF
GSIE
$5.88B
| $127M | 0.27% |
3,191,444
-1,590,406
| -33% | -$59.9M |
2017 Q1
33 quarters
|
|
|
SCHV
36
Schwab US Large-Cap Value ETF
SCHV
$15.4B
| $121M | 0.26% |
4,362,278
-101,989
| -2% | -$2.68M |
2014 Q4
42 quarters
|
|
37
iShares Russell 2000 Value ETF
IWN
$13.9B
| $118M | 0.25% |
748,283
-46,190
| -6% | -$6.88M |
2014 Q4
42 quarters
|
|
38
TCW Transform 500 ETF
VOTE
$1.15B
| $111M | 0.24% |
1,520,777
+200,030
| +15% | +$13.4M |
2021 Q3
15 quarters
|
|
39
U.S. Core Equity 2 Portfolio ETF Class Shares
DFAC
$49.4B
| $106M | 0.23% |
2,961,360
+408,381
| +16% | +$13.6M |
2021 Q2
16 quarters
|
|
40
State Street SPDR S&P 500 Fossil Fuel Reserves Free ETF
SPYX
$2.89B
| $98.5M | 0.21% |
1,934,222
+172
| +0% | +$8.08K |
2020 Q4
18 quarters
|
|
41
Vanguard Emerging Markets Government Bond ETF
VWOB
$6.13B
| $96M | 0.2% |
1,469,300
-187,101
| -11% | -$11.9M |
2014 Q4
42 quarters
|
|
42
iShares 0-1 Year Treasury Bond ETF
SHV
$23.5B
| $95.5M | 0.2% |
865,310
-253,485
| -23% | -$27.9M |
2014 Q4
42 quarters
|
|
43
iShares Core S&P 500 ETF
IVV
$899B
| $92.9M | 0.2% |
149,690
-4,588
| -3% | -$2.63M |
2015 Q1
41 quarters
|
|
44
Vanguard Short-Term Inflation-Protected Securities Index Fund
VTIP
$20B
| $87.1M | 0.19% |
1,733,107
-282,335
| -14% | -$14.1M |
2014 Q4
42 quarters
|
|
45
State Street SPDR S&P Kensho New Economies Composite ETF
KOMP
$2.63B
| $82.5M | 0.18% |
1,517,997
-255,397
| -14% | -$12.5M |
2021 Q4
14 quarters
|
|
46
Goldman Sachs ActiveBeta Europe Equity ETF
GSEU
$170M
| $82.1M | 0.17% |
1,939,171
-121,898
| -6% | -$4.96M |
2024 Q2
4 quarters
|
|
47
Goldman Sachs ActiveBeta Emerging Markets Equity ETF
GEM
$1.76B
| $78.1M | 0.17% |
2,098,854
+338,086
| +19% | +$11.6M |
2017 Q1
33 quarters
|
|
48
State Street SPDR Portfolio Emerging Markets ETF
SPEM
$17.6B
| $78M | 0.17% |
1,824,389
+1,011,871
| +125% | +$40.8M |
2020 Q1
21 quarters
|
|
49
iShares S&P 500 Value ETF
IVE
$49.3B
| $76M | 0.16% |
388,831
-13,088
| -3% | -$2.44M |
2014 Q4
42 quarters
|
|
50
iShares Core International Aggregate Bond Fund
IAGG
$12.5B
| $74.9M | 0.16% |
1,466,453
-4,683
| -0.3% | -$237K |
2020 Q1
21 quarters
|
|
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Betterment LLC's Q2 2025 Portfolio in Review
As of Q2 2025, Betterment LLC held 510 positions worth $47B, up 11% from $42.2B the previous quarter. Its ten largest holdings account for 69% of the portfolio.
Betterment LLC's Q2 2025 filing shows 52 new, 262 increased, 178 reduced and 13 closed positions. Its largest new stake was Goldman Sachs Municipal Income ETF: 530,048 shares worth $26.5M. The largest sale was Vanguard FTSE Emerging Markets ETF, an estimated $150M.
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 Q2 2025 buy was Goldman Sachs Municipal Income ETF: 530,048 shares worth $26.5M.
- Betterment LLC added most to State Street SPDR Portfolio S&P 500 ETF in Q2 2025, an estimated $606M increase.
- Betterment LLC's biggest Q2 2025 reduction was Vanguard FTSE Emerging Markets ETF, cutting an estimated $150M.
- Betterment LLC fully exited SGI Enhanced Global Income ETF in Q2 2025, selling an estimated $1.47M.
- Betterment LLC's ten largest holdings make up 69% of its $47B portfolio in Q2 2025.
- Betterment LLC opened 52 new positions and closed 13 in Q2 2025.
- Betterment LLC's portfolio value rose 11% quarter-over-quarter to $47B.
Based on Betterment LLC's 13F filing for Q2 2025, filed 14 Aug 2025.