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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 | |
|---|---|---|---|---|---|---|---|
501
abrdn Physical Palladium Shares ETF
PALL
$606M
| $224K | ﹤0.01% |
+9,800
| New | +$210K |
2025 Q3
0 quarters
|
|
502
First Trust Multi Cap Growth AlphaDEX Fund
FAD
$609M
| $223K | ﹤0.01% |
1,391
| – | – |
2025 Q2
1 quarter
|
|
503
Xtrackers MSCI EAFE Hedged Equity ETF
DBEF
$9.23B
| $220K | ﹤0.01% |
4,740
-717
| -13% | -$32.4K |
2024 Q2
5 quarters
|
|
504
iShares iBonds Dec 2026 Term Corporate ETF
IBDR
$3.13B
| $218K | ﹤0.01% |
+8,990
| New | +$218K |
2025 Q3
0 quarters
|
|
505
Clockwise U.S. Core Equity ETF
TIME
$16.2M
| $217K | ﹤0.01% |
8,833
+346
| +4% | +$8.68K |
2025 Q2
1 quarter
|
|
506
WisdomTree Emerging Markets Local Debt Fund
ELD
$138M
| $216K | ﹤0.01% |
7,528
-10
| -0.1% | -$283 |
2025 Q1
2 quarters
|
|
507
ProShares Global Listed Private Equity ETF
PEX
$10.2M
| $215K | ﹤0.01% |
8,153
| – | – |
2022 Q1
14 quarters
|
|
508
Nuveen ESG Emerging Markets Equity ETF
NUEM
$483M
| $213K | ﹤0.01% |
+5,959
| New | +$204K |
2025 Q3
0 quarters
|
|
509
Comcast
CMCSA
$73.3B
| $212K | ﹤0.01% |
6,741
-455
| -6% | -$15.3K |
2024 Q1
6 quarters
|
|
510
Goldman Sachs ETF Trust Goldman Sachs S&P 500 Premium Income ETF
GPIX
$6.17B
| $212K | ﹤0.01% |
4,054
-223
| -5% | -$11.3K |
2024 Q2
5 quarters
|
|
511
Nuveen ESG Large-Cap Value ETF
NULV
$2.55B
| $212K | ﹤0.01% |
4,834
-1,646
| -25% | -$70.2K |
2025 Q2
1 quarter
|
|
512
iShares MSCI USA Value Factor ETF
VLUE
$9.5B
| $211K | ﹤0.01% |
1,691
-806
| -32% | -$94.9K |
2022 Q1
14 quarters
|
|
513
Northern Trust Quality Dividend ETF
QDF
$2.21B
| $209K | ﹤0.01% |
+2,628
| New | +$201K |
2025 Q3
0 quarters
|
|
514
Inspire International ETF
WWJD
$558M
| $209K | ﹤0.01% |
5,914
-338
| -5% | -$11.8K |
2025 Q2
1 quarter
|
|
515
Innovator Defined Wealth Shield ETF
BALT
$3.02B
| $207K | ﹤0.01% |
+6,309
| New | +$205K |
2025 Q3
0 quarters
|
|
516
iShares iBonds Dec 2027 Term Corporate ETF
IBDS
$3.98B
| $206K | ﹤0.01% |
+8,446
| New | +$205K |
2025 Q3
0 quarters
|
|
517
iShares Semiconductor ETF
SOXX
$46.3B
| $205K | ﹤0.01% |
+757
| New | +$189K |
2025 Q3
0 quarters
|
|
518
JPMorgan BetaBuilders US Equity ETF
BBUS
$9.58B
| $203K | ﹤0.01% |
1,686
-363
| -18% | -$42.2K |
2023 Q4
7 quarters
|
|
519
Wabtec
WAB
$48.2B
| $203K | ﹤0.01% |
+1,012
| New | +$200K |
2025 Q3
0 quarters
|
|
520
Vanguard Russell 1000 Value ETF
VONV
$22.2B
| $202K | ﹤0.01% |
+2,262
| New | +$198K |
2025 Q3
0 quarters
|
|
521
Goldman Sachs ETF Trust Goldman Sachs Nasdaq-100 Premium Income ETF
GPIQ
$6.36B
| $201K | ﹤0.01% |
+3,825
| New | +$194K |
2025 Q3
0 quarters
|
|
522
Nuveen ESG Large-Cap Growth ETF
NULG
$3.08B
| $200K | ﹤0.01% |
2,014
-754
| -27% | -$73.3K |
2025 Q2
1 quarter
|
|
523
iShares MSCI ACWI ETF
ACWI
$33.3B
| – | – |
-2,584
| Closed | -$332K | – |
|
524
Pacer US Small Cap Cash Cows 100 ETF
CALF
$3.63B
| – | – |
-7,590
| Closed | -$302K | – |
|
525
CrowdStrike
CRWD
$282B
| – | – |
-2,232
| Closed | -$284K | – |
|
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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.