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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 |
SPYM
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 | |
|---|---|---|---|---|---|---|---|
26
iShares ESG Aware MSCI EAFE ETF
ESGD
$11.8B
| $375M | 0.72% |
3,947,005
+58,297
| +1% | +$5.5M |
2020 Q1
23 quarters
|
|
27
Vanguard Tax-Exempt Bond Index Fund
VTEB
$44.4B
| $337M | 0.64% |
6,707,905
+134,551
| +2% | +$6.77M |
2018 Q1
31 quarters
|
|
28
State Street SPDR Portfolio Developed World ex-US ETF
SPDW
$40.8B
| $329M | 0.63% |
7,414,696
-83,364
| -1% | -$3.64M |
2021 Q4
16 quarters
|
|
|
29
Vanguard Emerging Markets Government Bond ETF
VWOB
$6.13B
| $314M | 0.6% |
4,659,747
+1,345,061
| +41% | +$90.7M |
2014 Q4
44 quarters
|
|
30
iShares Low Carbon Optimized MSCI ACWI ETF
CRBN
$1.18B
| $301M | 0.57% |
1,303,736
+11,492
| +0.9% | +$2.64M |
2020 Q4
20 quarters
|
|
31
iShares Russell Mid-Cap Value ETF
IWS
$15.2B
| $219M | 0.42% |
1,550,556
-44,207
| -3% | -$6.18M |
2014 Q4
44 quarters
|
|
32
Vanguard S&P 500 ETF
VOO
$1.06T
| $196M | 0.37% |
312,521
+8,909
| +3% | +$5.54M |
2016 Q3
37 quarters
|
|
33
Vanguard Morningstar Growth ETF
VUG
$237B
| $154M | 0.29% |
1,889,124
+53,688
| +3% | +$4.36M |
2015 Q4
40 quarters
|
|
34
iShares ESG Aware MSCI EM ETF
ESGE
$6.92B
| $144M | 0.27% |
3,254,323
-23,435
| -0.7% | -$1.03M |
2018 Q3
29 quarters
|
|
35
Goldman Sachs ActiveBeta International Equity ETF
GSIE
$5.88B
| $133M | 0.25% |
3,095,283
-157,962
| -5% | -$6.59M |
2017 Q1
35 quarters
|
|
36
State Street SPDR Portfolio S&P 500 Value ETF
SPYV
$36.4B
| $132M | 0.25% |
2,331,001
-80,814
| -3% | -$4.54M |
2018 Q4
28 quarters
|
|
37
U.S. Core Equity 2 Portfolio ETF Class Shares
DFAC
$49.4B
| $130M | 0.25% |
3,271,394
+105,022
| +3% | +$4.1M |
2021 Q2
18 quarters
|
|
38
Vanguard Total Bond Market
BND
$159B
| $127M | 0.24% |
1,718,105
-118,793
| -6% | -$8.84M |
2014 Q4
44 quarters
|
|
39
TCW Transform 500 ETF
VOTE
$1.15B
| $126M | 0.24% |
1,572,590
+16,436
| +1% | +$1.31M |
2021 Q3
17 quarters
|
|
40
iShares Russell 2000 Value ETF
IWN
$13.9B
| $126M | 0.24% |
695,877
-22,498
| -3% | -$4.04M |
2014 Q4
44 quarters
|
|
|
SCHV
41
Schwab US Large-Cap Value ETF
SCHV
$15.4B
| $122M | 0.23% |
4,117,665
-133,784
| -3% | -$3.91M |
2014 Q4
44 quarters
|
|
42
State Street SPDR S&P 500 Fossil Fuel Reserves Free ETF
SPYX
$2.89B
| $109M | 0.21% |
1,940,078
+5,794
| +0.3% | +$323K |
2020 Q4
20 quarters
|
|
43
iShares Core S&P 500 ETF
IVV
$899B
| $97.1M | 0.19% |
141,807
-3,055
| -2% | -$2.07M |
2015 Q1
43 quarters
|
|
44
iShares Core International Aggregate Bond Fund
IAGG
$12.5B
| $91M | 0.17% |
1,818,945
+336,162
| +23% | +$17.3M |
2020 Q1
23 quarters
|
|
45
Goldman Sachs ActiveBeta Emerging Markets Equity ETF
GEM
$1.76B
| $90.5M | 0.17% |
2,175,132
+459
| +0% | +$19.1K |
2017 Q1
35 quarters
|
|
46
Goldman Sachs ActiveBeta Europe Equity ETF
GSEU
$170M
| $90M | 0.17% |
1,970,229
-15,864
| -0.8% | -$703K |
2024 Q2
6 quarters
|
|
47
State Street SPDR S&P Kensho New Economies Composite ETF
KOMP
$2.63B
| $89.3M | 0.17% |
1,495,878
-10,766
| -0.7% | -$669K |
2021 Q4
16 quarters
|
|
48
State Street SPDR Portfolio Emerging Markets ETF
SPEM
$17.6B
| $82.7M | 0.16% |
1,766,357
+5,634
| +0.3% | +$265K |
2020 Q1
23 quarters
|
|
49
iShares ESG Aware MSCI USA Small-Cap ETF
ESML
$2.76B
| $82M | 0.16% |
1,783,423
+2,676
| +0.2% | +$122K |
2022 Q1
15 quarters
|
|
50
JPMorgan Sustainable Municipal Income ETF
JMSI
$367M
| $80.4M | 0.15% |
1,595,871
+235,384
| +17% | +$11.9M |
2024 Q2
6 quarters
|
|
Similar funds
TI
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.