Betterment LLC Portfolio holdings

AUM $42.2B

AUM

$42.2B

AUM Growth

+$206M (+0.5%)

Cap. Flow

+$479M

Cap. Flow % of AUM

1.14%

Top 10 Holdings %Top 10 Hldgs %

68.81%

Holding

472

New

Increased

265

Reduced

163

Closed

Top Buys

1	SPDR Portfolio S&P 500 ETF SPLG	$788M
2	iShares Core US Aggregate Bond ETF AGG	$196M
3	Schwab US Large- Cap ETF SCHX	$159M
4	JPMorgan Ultra-Short Income ETF JPST	$150M
5	SPDR Nuveen ICE Municipal Bond ETF TFI	$94.4M

Top Sells

1	Vanguard Total Stock Market ETF VTI	$240M
2	Vanguard FTSE Emerging Markets ETF VWO	$181M
3	Vanguard FTSE Developed Markets ETF VEA	$178M
4	Vanguard Total International Bond ETF BNDX	$126M
5	iShares JPMorgan USD Emerging Markets Bond ETF EMB	$95.8M

Sector Composition

1	Technology	0.03%
2	Consumer Discretionary	0.01%
3	Financials	0.01%
4	Communication Services	0.01%
5	Consumer Staples	0%

#	Name	Market Value	Portfolio Weight	Shares or Principal	Shares Change %	Capital Flow
51	51 SPDR MSCI EAFE Fossil Fuel Reserves Free ETF EFAX $376M	$60.4M	0.14%	1,405,380 -30,408	-2%	-$1.31M
52	52 Goldman Sachs Access Investment Grade Corporate Bond ETF GIGB $673M	$59.2M	0.14%	1,293,228 +43,828	+4%	+$2.01M
53	53 Goldman Sachs ActiveBeta Emerging Markets Equity ETF GEM $1.03B	$58.4M	0.14%	1,760,768 +16,434	+0.9%	+$545K
54	54 iShares ESG Aware US Aggregate Bond ETF EAGG $3.95B	$54.8M	0.13%	1,154,830 +256,715	+29%	+$12.2M
55	55 Vanguard ESG US Stock ETF ESGV $10.7B	$49.8M	0.12%	508,902 +94,879	+23%	+$9.29M
56	56 Dimensional US Core Equity Market ETF DFAU $8.54B	$49.8M	0.12%	1,294,724 +53,142	+4%	+$2.04M
57	57 iShares Fallen Angels USD Bond ETF FALN $1.81B	$43.8M	0.1%	1,634,802 +443,659	+37%	+$11.9M
58	58 iShares Broad USD High Yield Corporate Bond ETF USHY $23.8B	$43.6M	0.1%	1,183,261 +864,460	+271%	+$31.8M
59	59 Vanguard Short-Term Bond ETF BSV $38.2B	$42M	0.1%	537,140 +15,118	+3%	+$1.18M
60	60 iShares MSCI KLD 400 Social ETF DSI $4.74B	$42M	0.1%	409,944 -15,170	-4%	-$1.55M
61	61 iShares Bitcoin Trust IBIT $82.5B	$40.7M	0.1%	870,342 +102,070	+13%	+$4.78M
62	62 Dimensional International Core Equity 2 ETF DFIC $9.68B	$40.1M	0.1%	1,445,557 +137,628	+11%	+$3.82M
63	63 Invesco QQQ Trust QQQ $354B	$39.4M	0.09%	83,943 +12,484	+17%	+$5.85M
64	64 Dimensional Core Fixed Income ETF DFCF $7.04B	$38.6M	0.09%	918,774 +72,581	+9%	+$3.05M
65	65 Dimensional International Core Equity Market ETF DFAI $10.5B	$38.2M	0.09%	1,222,034 -4,769	-0.4%	-$149K
66	66 GS ActiveBeta US Small Cap Equity ETF GSSC $570M	$37.8M	0.09%	595,972 -3,406	-0.6%	-$216K
67	67 JPMorgan Sustainable Municipal Income ETF JMSI $285M	$36.7M	0.09%	736,344 +276,315	+60%	+$13.8M
68	68 Vanguard Mid-Cap ETF VO $84.2B	$35.6M	0.08%	137,719 +75,691	+122%	+$19.6M
69	69 Vanguard Small-Cap ETF VB $64.7B	$35.5M	0.08%	160,175 +14,875	+10%	+$3.3M
70	70 SPDR Portfolio Emerging Markets ETF SPEM $12.3B	$32M	0.08%	812,518 +77,643	+11%	+$3.06M
71	71 Schwab U.S Small- Cap ETF SCHA $17.7B	$29.2M	0.07%	1,246,030 +802,626	+181%	+$18.8M
72	72 iShares Investment Grade Systematic Bond ETF IGEB $1.25B	$28.6M	0.07%	634,891 +153,230	+32%	+$6.9M
73	73 iShares ESG Aware USD Corporate Bond ETF SUSC $1.16B	$28.5M	0.07%	1,235,913 -113,552	-8%	-$2.62M
74	74 Vanguard Dividend Appreciation ETF VIG $92.8B	$25.8M	0.06%	133,117 +8,641	+7%	+$1.68M
75	75 Goldman Sachs ActiveBeta Japan Equity ETF GSJY $56.8M	$25.7M	0.06%	666,740 +24,219	+4%	+$932K