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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 |
SPYM
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 | |
|---|---|---|---|---|---|---|---|
26
iShares ESG Aware MSCI EAFE ETF
ESGD
$11.8B
| $362M | 0.71% |
3,888,708
+32,544
| +0.8% | +$2.94M |
2020 Q1
22 quarters
|
|
|
27
Vanguard Tax-Exempt Bond Index Fund
VTEB
$44.4B
| $329M | 0.65% |
6,573,354
+6,090,513
| +1,261% | +$299M |
2018 Q1
30 quarters
|
|
28
State Street SPDR Portfolio Developed World ex-US ETF
SPDW
$40.8B
| $321M | 0.63% |
7,498,060
-228,799
| -3% | -$9.48M |
2021 Q4
15 quarters
|
|
29
iShares Low Carbon Optimized MSCI ACWI ETF
CRBN
$1.18B
| $293M | 0.58% |
1,292,244
+6,595
| +0.5% | +$1.44M |
2020 Q4
19 quarters
|
|
30
iShares Russell Mid-Cap Value ETF
IWS
$15.2B
| $223M | 0.44% |
1,594,763
-44,847
| -3% | -$6.13M |
2014 Q4
43 quarters
|
|
|
31
Vanguard Emerging Markets Government Bond ETF
VWOB
$6.13B
| $222M | 0.44% |
3,314,686
+1,845,386
| +126% | +$122M |
2014 Q4
43 quarters
|
|
32
Vanguard S&P 500 ETF
VOO
$1.06T
| $186M | 0.37% |
303,612
-321
| -0.1% | -$189K |
2016 Q3
36 quarters
|
|
33
Vanguard Morningstar Growth ETF
VUG
$237B
| $147M | 0.29% |
1,835,436
+94,506
| +5% | +$7.22M |
2015 Q4
39 quarters
|
|
34
iShares ESG Aware MSCI EM ETF
ESGE
$6.92B
| $142M | 0.28% |
3,277,758
-68,784
| -2% | -$2.81M |
2018 Q3
28 quarters
|
|
35
Vanguard Total Bond Market
BND
$159B
| $137M | 0.27% |
1,836,898
-17,938
| -1% | -$1.32M |
2014 Q4
43 quarters
|
|
36
Goldman Sachs ActiveBeta International Equity ETF
GSIE
$5.88B
| $134M | 0.26% |
3,253,245
+61,801
| +2% | +$2.5M |
2017 Q1
34 quarters
|
|
37
State Street SPDR Portfolio S&P 500 Value ETF
SPYV
$36.4B
| $133M | 0.26% |
2,411,815
-100,259
| -4% | -$5.4M |
2018 Q4
27 quarters
|
|
38
iShares Russell 2000 Value ETF
IWN
$13.9B
| $127M | 0.25% |
718,375
-29,908
| -4% | -$5.05M |
2014 Q4
43 quarters
|
|
|
SCHV
39
Schwab US Large-Cap Value ETF
SCHV
$15.4B
| $124M | 0.24% |
4,251,449
-110,829
| -3% | -$3.15M |
2014 Q4
43 quarters
|
|
40
U.S. Core Equity 2 Portfolio ETF Class Shares
DFAC
$49.4B
| $122M | 0.24% |
3,166,372
+205,012
| +7% | +$7.65M |
2021 Q2
17 quarters
|
|
41
TCW Transform 500 ETF
VOTE
$1.15B
| $122M | 0.24% |
1,556,154
+35,377
| +2% | +$2.67M |
2021 Q3
16 quarters
|
|
42
State Street SPDR S&P 500 Fossil Fuel Reserves Free ETF
SPYX
$2.89B
| $106M | 0.21% |
1,934,284
+62
| +0% | +$3.27K |
2020 Q4
19 quarters
|
|
43
iShares Core S&P 500 ETF
IVV
$899B
| $97M | 0.19% |
144,862
-4,828
| -3% | -$3.11M |
2015 Q1
42 quarters
|
|
44
State Street SPDR S&P Kensho New Economies Composite ETF
KOMP
$2.63B
| $93.8M | 0.19% |
1,506,644
-11,353
| -0.7% | -$656K |
2021 Q4
15 quarters
|
|
45
Goldman Sachs ActiveBeta Emerging Markets Equity ETF
GEM
$1.76B
| $88.6M | 0.18% |
2,174,673
+75,819
| +4% | +$2.93M |
2017 Q1
34 quarters
|
|
46
Goldman Sachs ActiveBeta Europe Equity ETF
GSEU
$170M
| $86.7M | 0.17% |
1,986,093
+46,922
| +2% | +$2.01M |
2024 Q2
5 quarters
|
|
47
iShares 0-1 Year Treasury Bond ETF
SHV
$23.5B
| $86.4M | 0.17% |
781,837
-83,473
| -10% | -$9.21M |
2014 Q4
43 quarters
|
|
48
Vanguard Short-Term Inflation-Protected Securities Index Fund
VTIP
$20B
| $83M | 0.16% |
1,638,838
-94,269
| -5% | -$4.74M |
2014 Q4
43 quarters
|
|
49
State Street SPDR Portfolio Emerging Markets ETF
SPEM
$17.6B
| $82.4M | 0.16% |
1,760,723
-63,666
| -3% | -$2.83M |
2020 Q1
22 quarters
|
|
50
iShares ESG Aware MSCI USA Small-Cap ETF
ESML
$2.76B
| $80.3M | 0.16% |
1,780,747
+33,569
| +2% | +$1.46M |
2022 Q1
14 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.