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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 | |
|---|---|---|---|---|---|---|---|
526
NEOS S&P 500 High Income ETF
SPYI
$12.5B
| $238K | ﹤0.01% |
+4,537
| New | +$238K |
2025 Q4
0 quarters
|
|
527
Dimensional Inflation-Protected Securities ETF
DFIP
$1.11B
| $232K | ﹤0.01% |
5,584
-104
| -2% | -$4.38K |
2024 Q3
5 quarters
|
|
528
iShares US Consumer Discretionary ETF
IYC
$1.21B
| $232K | ﹤0.01% |
2,253
+69
| +3% | +$7.1K |
2025 Q2
2 quarters
|
|
529
Progressive
PGR
$126B
| $232K | ﹤0.01% |
1,017
+25
| +3% | +$5.65K |
2024 Q3
5 quarters
|
|
530
WisdomTree U.S. High Yield Corporate Bond Fund
QHY
$245M
| $232K | ﹤0.01% |
5,002
+129
| +3% | +$6K |
2025 Q1
3 quarters
|
|
531
ProShares S&P 500 ex-Technology ETF
SPXT
$289M
| $230K | ﹤0.01% |
+2,212
| New | +$226K |
2025 Q4
0 quarters
|
|
532
Amplify Blockchain Technology ETF
BLOK
$1.08B
| $228K | ﹤0.01% |
+4,000
| New | +$258K |
2025 Q4
0 quarters
|
|
533
iShares Gold Trust Micro
IAUM
$6.64B
| $227K | ﹤0.01% |
+5,282
| New | +$219K |
2025 Q4
0 quarters
|
|
534
Inspire International ETF
WWJD
$558M
| $225K | ﹤0.01% |
6,175
+261
| +4% | +$9.34K |
2025 Q2
2 quarters
|
|
535
JPMorgan BetaBuilders US Equity ETF
BBUS
$9.58B
| $223K | ﹤0.01% |
1,806
+120
| +7% | +$14.7K |
2023 Q4
8 quarters
|
|
536
IBM
IBM
$214B
| $222K | ﹤0.01% |
+748
| New | +$224K |
2025 Q4
0 quarters
|
|
537
Caterpillar
CAT
$368B
| $221K | ﹤0.01% |
+386
| New | +$215K |
2025 Q4
0 quarters
|
|
538
WisdomTree Emerging Markets Local Debt Fund
ELD
$138M
| $219K | ﹤0.01% |
7,484
-44
| -0.6% | -$1.27K |
2025 Q1
3 quarters
|
|
539
Nuveen ESG Large-Cap Value ETF
NULV
$2.55B
| $218K | ﹤0.01% |
4,834
| – | – |
2025 Q2
2 quarters
|
|
540
State Street SPDR S&P Global Infrastructure ETF
GII
$920M
| $216K | ﹤0.01% |
+3,103
| New | +$218K |
2025 Q4
0 quarters
|
|
541
Wabtec
WAB
$48.2B
| $216K | ﹤0.01% |
1,012
| – | – |
2025 Q3
1 quarter
|
|
542
Vanguard Communication Services ETF
VOX
$5.79B
| $214K | ﹤0.01% |
+1,103
| New | +$207K |
2025 Q4
0 quarters
|
|
543
Northern Trust Quality Dividend ETF
QDF
$2.21B
| $213K | ﹤0.01% |
2,630
+2
| +0.1% | +$160 |
2025 Q3
1 quarter
|
|
544
Federated Hermes US Strategic Dividend ETF
FDV
$909M
| $212K | ﹤0.01% |
+7,411
| New | +$212K |
2025 Q4
0 quarters
|
|
545
Nuveen ESG Emerging Markets Equity ETF
NUEM
$483M
| $206K | ﹤0.01% |
5,784
-175
| -3% | -$6.37K |
2025 Q3
1 quarter
|
|
546
Vanguard Financials ETF
VFH
$12.8B
| $206K | ﹤0.01% |
+1,541
| New | +$200K |
2025 Q4
0 quarters
|
|
547
JPMorgan Hedged Equity Laddered Overlay ETF
HELO
$4.9B
| $205K | ﹤0.01% |
+3,092
| New | +$203K |
2025 Q4
0 quarters
|
|
548
First Trust Exchange-Traded Fund IV First Trust Low Duration Opportunities ETF
LMBS
$6.45B
| $205K | ﹤0.01% |
+4,103
| New | +$205K |
2025 Q4
0 quarters
|
|
549
Schwab Short-Term US Treasury ETF
SCHO
$15.3B
| $204K | ﹤0.01% |
+8,367
| New | +$204K |
2025 Q4
0 quarters
|
|
550
Clockwise U.S. Core Equity ETF
TIME
$16.2M
| $202K | ﹤0.01% |
8,140
-693
| -8% | -$17.1K |
2025 Q2
2 quarters
|
|
Similar funds
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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.