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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 |
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 | |
|---|---|---|---|---|---|---|---|
501
iShares Expanded Tech Sector ETF
IGM
$11.6B
| $294K | ﹤0.01% |
2,277
+22
| +1% | +$2.85K |
2025 Q2
2 quarters
|
|
502
American Express
AXP
$208B
| $293K | ﹤0.01% |
793
+107
| +16% | +$38.3K |
2024 Q4
4 quarters
|
|
503
Janus Henderson B-BBB CLO ETF
JBBB
$1.51B
| $293K | ﹤0.01% |
6,139
+172
| +3% | +$8.24K |
2025 Q3
1 quarter
|
|
504
Vanguard Consumer Staples ETF
VDC
$7.76B
| $293K | ﹤0.01% |
1,388
+36
| +3% | +$7.66K |
2025 Q3
1 quarter
|
|
505
WisdomTree Managed Futures Strategy Fund
WTMF
$283M
| $287K | ﹤0.01% |
7,553
-206
| -3% | -$7.87K |
2016 Q3
37 quarters
|
|
506
Williams Companies
WMB
$88.9B
| $286K | ﹤0.01% |
4,766
+154
| +3% | +$9.31K |
2025 Q3
1 quarter
|
|
507
First Trust Intermediate Duration Investment Grade Corporate ETF
FIIG
$626M
| $285K | ﹤0.01% |
13,460
+900
| +7% | +$19.1K |
2025 Q2
2 quarters
|
|
508
Vanguard Russell 1000 Value ETF
VONV
$21.9B
| $282K | ﹤0.01% |
3,054
+792
| +35% | +$71.8K |
2025 Q3
1 quarter
|
|
509
iShares US Aerospace & Defense ETF
ITA
$12.1B
| $281K | ﹤0.01% |
+1,311
| New | +$274K |
2025 Q4
0 quarters
|
|
510
Goldman Sachs ETF Trust Goldman Sachs S&P 500 Premium Income ETF
GPIX
$6.11B
| $273K | ﹤0.01% |
5,169
+1,115
| +28% | +$58.4K |
2024 Q2
6 quarters
|
|
511
Strive FAANG 2.0 ETF
FTWO
$75.9M
| $266K | ﹤0.01% |
6,536
+691
| +12% | +$27.6K |
2025 Q2
2 quarters
|
|
512
State Street SPDR Portfolio Corporate Bond ETF
SPBO
$2.17B
| $263K | ﹤0.01% |
8,955
-426
| -5% | -$12.6K |
2025 Q2
2 quarters
|
|
513
State Street SPDR Dow Jones Global Real Estate ETF
RWO
$1.17B
| $258K | ﹤0.01% |
5,720
+684
| +14% | +$31.1K |
2025 Q3
1 quarter
|
|
514
Vanguard FTSE Europe ETF
VGK
$29.2B
| $258K | ﹤0.01% |
+3,082
| New | +$250K |
2025 Q4
0 quarters
|
|
515
First Trust Technology AlphaDEX Fund
FXL
$2.93B
| $255K | ﹤0.01% |
1,516
| – | – |
2025 Q1
3 quarters
|
|
516
iShares Currency Hedged MSCI EAFE ETF
HEFA
$7.48B
| $249K | ﹤0.01% |
6,019
-1,278
| -18% | -$52.4K |
2025 Q2
2 quarters
|
|
517
State Street DoubleLine Total Return Tactical ETF
TOTL
$3.68B
| $249K | ﹤0.01% |
6,185
+437
| +8% | +$17.7K |
2024 Q1
7 quarters
|
|
518
iShares iBonds Dec 2027 Term Corporate ETF
IBDS
$3.98B
| $248K | ﹤0.01% |
10,204
+1,758
| +21% | +$42.7K |
2025 Q3
1 quarter
|
|
519
Northern Trust iBoxx 5-Year Target Duration TIPS ETF
TDTF
$1.02B
| $247K | ﹤0.01% |
10,304
+900
| +10% | +$21.8K |
2024 Q4
4 quarters
|
|
520
Inspire 100 ETF
BIBL
$513M
| $243K | ﹤0.01% |
5,387
-72
| -1% | -$3.24K |
2024 Q3
5 quarters
|
|
521
Vanguard California Tax-Exempt Bond ETF
VTEC
$3.19B
| $243K | ﹤0.01% |
+2,419
| New | +$242K |
2025 Q4
0 quarters
|
|
522
iShares Semiconductor ETF
SOXX
$47.2B
| $242K | ﹤0.01% |
803
+46
| +6% | +$13.6K |
2025 Q3
1 quarter
|
|
523
Invesco S&P 500 High Beta ETF
SPHB
$973M
| $240K | ﹤0.01% |
2,053
-133
| -6% | -$15.1K |
2023 Q1
11 quarters
|
|
524
State Street SPDR S&P Biotech ETF
XBI
$10B
| $240K | ﹤0.01% |
+1,967
| New | +$226K |
2025 Q4
0 quarters
|
|
525
iShares iBonds Dec 2026 Term Corporate ETF
IBDR
$3.13B
| $238K | ﹤0.01% |
9,814
+824
| +9% | +$20K |
2025 Q3
1 quarter
|
|
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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.