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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
+8.07%
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
$47B
AUM Growth
+$4.81B
(+11%)
Cap. Flow
+$1.4B
Cap. Flow
% of AUM
2.99%
Top 10 Holdings %
Top 10 Hldgs %
68.55%
Holding
510
New
52
Increased
262
Reduced
178
Closed
13
Avg Time Held
12
quarters
Top 10 Avg Time Held
25.6
quarters
Top 20 Avg Time Held
24.1
quarters
Top Buys
| Rank | Stock | Value |
|---|---|---|
| 1 |
SPYM
State Street SPDR Portfolio S&P 500 ETF
SPYM
|
+$606M |
| 2 |
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
|
+$175M |
| 3 |
Schwab US Large- Cap ETF
SCHX
|
+$125M |
| 4 |
iShares Core US Aggregate Bond ETF
AGG
|
+$117M |
| 5 |
JPMorgan Ultra-Short Income ETF
JPST
|
+$106M |
Top Sells
| Rank | Stock | Value |
|---|---|---|
| 1 |
Vanguard FTSE Emerging Markets ETF
VWO
|
+$150M |
| 2 |
iShares Core MSCI Emerging Markets ETF
IEMG
|
+$60.5M |
| 3 |
Goldman Sachs ActiveBeta International Equity ETF
GSIE
|
+$59.9M |
| 4 |
iShares Core MSCI EAFE ETF
IEFA
|
+$43.2M |
| 5 |
Vanguard Total International Bond ETF
BNDX
|
+$41.2M |
Sector Composition
| Rank | Sector | Weight |
|---|---|---|
| 1 | Miscellaneous | 99.94% |
| 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 | |
|---|---|---|---|---|---|---|---|
51
iShares ESG Aware MSCI USA Small-Cap ETF
ESML
$2.76B
| $72.2M | 0.15% |
1,747,178
+118,668
| +7% | +$4.59M |
2022 Q1
13 quarters
|
|
52
Vanguard Morningstar Mid-Cap ETF
VO
$106B
| $68.3M | 0.15% |
976,484
+425,608
| +77% | +$27.9M |
2022 Q4
10 quarters
|
|
53
iShares ESG Aware US Aggregate Bond ETF
EAGG
$4.96B
| $67.9M | 0.14% |
1,428,397
+273,567
| +24% | +$12.8M |
2020 Q4
18 quarters
|
|
54
State Street SPDR MSCI EAFE Fossil Fuel Reserves Free ETF
EFAX
$491M
| $65.2M | 0.14% |
1,376,427
-28,953
| -2% | -$1.3M |
2020 Q4
18 quarters
|
|
55
iShares USD Green Bond ETF
BGRN
$497M
| $62.5M | 0.13% |
1,310,676
-10,882
| -0.8% | -$512K |
2020 Q4
18 quarters
|
|
56
Vanguard ESG US Stock ETF
ESGV
$13.7B
| $61.1M | 0.13% |
557,611
+48,709
| +10% | +$4.91M |
2021 Q2
16 quarters
|
|
57
Vanguard Morningstar Small-Cap ETF
VB
$78.1B
| $57.9M | 0.12% |
244,160
+83,985
| +52% | +$18.7M |
2016 Q4
34 quarters
|
|
58
JPMorgan Sustainable Municipal Income ETF
JMSI
$367M
| $56.1M | 0.12% |
1,134,628
+398,284
| +54% | +$19.6M |
2024 Q2
4 quarters
|
|
59
iShares Bitcoin Trust
IBIT
$65.9B
| $54.1M | 0.12% |
883,141
+12,799
| +1% | +$717K |
2024 Q1
5 quarters
|
|
60
GS ActiveBeta US Small Cap Equity ETF
GSSC
$1.05B
| $52.3M | 0.11% |
762,667
+166,695
| +28% | +$10.7M |
2017 Q4
30 quarters
|
|
61
iShares Fallen Angels USD Bond ETF
FALN
$1.56B
| $49.4M | 0.11% |
1,818,881
+184,079
| +11% | +$4.85M |
2021 Q1
17 quarters
|
|
62
iShares Broad USD High Yield Corporate Bond ETF
USHY
$25.9B
| $48.6M | 0.1% |
1,294,511
+111,250
| +9% | +$4.08M |
2021 Q1
17 quarters
|
|
63
iShares MSCI KLD 400 Social ETF
DSI
$5.58B
| $46.1M | 0.1% |
396,933
-13,011
| -3% | -$1.39M |
2017 Q3
31 quarters
|
|
64
Dimensional International Core Equity 2 ETF
DFIC
$15B
| $45.2M | 0.1% |
1,452,939
+7,382
| +0.5% | +$216K |
2022 Q4
10 quarters
|
|
65
Vanguard Short-Term Bond ETF
BSV
$46B
| $44.9M | 0.1% |
570,256
+33,116
| +6% | +$2.59M |
2016 Q4
34 quarters
|
|
66
Dimensional Core Fixed Income ETF
DFCF
$11.5B
| $43.6M | 0.09% |
1,031,555
+112,781
| +12% | +$4.7M |
2022 Q2
12 quarters
|
|
67
Goldman Sachs ActiveBeta Japan Equity ETF
GSJY
$101M
| $41.7M | 0.09% |
993,150
+326,410
| +49% | +$13M |
2024 Q2
4 quarters
|
|
68
Invesco QQQ Trust
QQQ
$507B
| $40.5M | 0.09% |
73,452
-10,491
| -12% | -$5.22M |
2020 Q4
18 quarters
|
|
69
AB Disruptors ETF
FWD
$3.48B
| $39.6M | 0.08% |
440,990
+252,439
| +134% | +$19.5M |
2025 Q1
1 quarter
|
|
70
Schwab U.S Small- Cap ETF
SCHA
$21.8B
| $39.2M | 0.08% |
1,551,114
+305,084
| +24% | +$7.21M |
2022 Q4
10 quarters
|
|
71
iShares ESG Optimized MSCI USA ETF
SUSA
$4.13B
| $38.8M | 0.08% |
306,480
+123,451
| +67% | +$14.6M |
2017 Q3
31 quarters
|
|
72
Goldman Sachs Access US Aggregate Bond ETF
GCOR
$801M
| $37.6M | 0.08% |
909,269
+312,938
| +52% | +$12.8M |
2020 Q4
18 quarters
|
|
73
Vanguard Morningstar Large-Cap ETF
VV
$55.2B
| $33.6M | 0.07% |
117,766
+39,750
| +51% | +$10.5M |
2024 Q1
5 quarters
|
|
74
iShares ESG Aware USD Corporate Bond ETF
SUSC
$1.28B
| $33M | 0.07% |
1,419,635
+183,722
| +15% | +$4.19M |
2021 Q1
17 quarters
|
|
75
Goldman Sachs Access Investment Grade Corporate Bond ETF
GIGB
$959M
| $32.4M | 0.07% |
702,982
-590,246
| -46% | -$26.7M |
2017 Q4
30 quarters
|
|
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Betterment LLC's Q2 2025 Portfolio in Review
As of Q2 2025, Betterment LLC held 510 positions worth $47B, up 11% from $42.2B the previous quarter. Its ten largest holdings account for 69% of the portfolio.
Betterment LLC's Q2 2025 filing shows 52 new, 262 increased, 178 reduced and 13 closed positions. Its largest new stake was Goldman Sachs Municipal Income ETF: 530,048 shares worth $26.5M. The largest sale was Vanguard FTSE Emerging Markets ETF, an estimated $150M.
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 Q2 2025 buy was Goldman Sachs Municipal Income ETF: 530,048 shares worth $26.5M.
- Betterment LLC added most to State Street SPDR Portfolio S&P 500 ETF in Q2 2025, an estimated $606M increase.
- Betterment LLC's biggest Q2 2025 reduction was Vanguard FTSE Emerging Markets ETF, cutting an estimated $150M.
- Betterment LLC fully exited SGI Enhanced Global Income ETF in Q2 2025, selling an estimated $1.47M.
- Betterment LLC's ten largest holdings make up 69% of its $47B portfolio in Q2 2025.
- Betterment LLC opened 52 new positions and closed 13 in Q2 2025.
- Betterment LLC's portfolio value rose 11% quarter-over-quarter to $47B.
Based on Betterment LLC's 13F filing for Q2 2025, filed 14 Aug 2025.