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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 | |
|---|---|---|---|---|---|---|---|
526
Cisco
CSCO
$467B
| – | – |
-4,093
| Closed | -$284K | – |
|
527
SPDR Gold MiniShares Trust
GLDM
$31B
| – | – |
-3,685
| Closed | -$241K | – |
|
528
Invesco RAFI Strategic US ETF
IUS
$985M
| – | – |
-4,159
| Closed | -$214K | – |
|
529
First Trust Exchange-Traded Fund IV First Trust Low Duration Opportunities ETF
LMBS
$6.45B
| – | – |
-6,674
| Closed | -$329K | – |
|
530
Invesco Actively Managed Exch-Traded Commodity Fd Tr Invesco Optimum Yield Diversified Commodity Strategy No K-1 ETF
PDBC
$7.85B
| – | – |
-11,428
| Closed | -$149K | – |
|
531
Invesco Large Cap Value ETF
PWV
$1.84B
| – | – |
-3,369
| Closed | -$209K | – |
|
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TI
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.