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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 |
SPYM
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 | |
|---|---|---|---|---|---|---|---|
51
iShares S&P 500 Value ETF
IVE
$49.3B
| $78.1M | 0.15% |
378,298
-10,533
| -3% | -$2.12M |
2014 Q4
43 quarters
|
|
52
iShares Core International Aggregate Bond Fund
IAGG
$12.5B
| $76M | 0.15% |
1,482,783
+16,330
| +1% | +$834K |
2020 Q1
22 quarters
|
|
53
iShares ESG Aware US Aggregate Bond ETF
EAGG
$4.96B
| $73.2M | 0.14% |
1,523,360
+94,963
| +7% | +$4.51M |
2020 Q4
19 quarters
|
|
54
iShares Bitcoin Trust
IBIT
$65.9B
| $70.6M | 0.14% |
1,085,559
+202,418
| +23% | +$13.2M |
2024 Q1
6 quarters
|
|
55
Vanguard Morningstar Mid-Cap ETF
VO
$106B
| $70.2M | 0.14% |
955,508
-20,976
| -2% | -$1.51M |
2022 Q4
11 quarters
|
|
56
State Street SPDR MSCI EAFE Fossil Fuel Reserves Free ETF
EFAX
$491M
| $69.4M | 0.14% |
1,406,903
+30,476
| +2% | +$1.46M |
2020 Q4
19 quarters
|
|
57
JPMorgan Sustainable Municipal Income ETF
JMSI
$367M
| $68.3M | 0.14% |
1,360,487
+225,859
| +20% | +$11.2M |
2024 Q2
5 quarters
|
|
58
Vanguard ESG US Stock ETF
ESGV
$13.7B
| $63.2M | 0.12% |
533,633
-23,978
| -4% | -$2.73M |
2021 Q2
17 quarters
|
|
59
iShares USD Green Bond ETF
BGRN
$497M
| $60.6M | 0.12% |
1,259,094
-51,582
| -4% | -$2.46M |
2020 Q4
19 quarters
|
|
60
Vanguard Morningstar Small-Cap ETF
VB
$78.1B
| $59.7M | 0.12% |
234,687
-9,473
| -4% | -$2.35M |
2016 Q4
35 quarters
|
|
61
GS ActiveBeta US Small Cap Equity ETF
GSSC
$1.05B
| $59.3M | 0.12% |
791,873
+29,206
| +4% | +$2.11M |
2017 Q4
31 quarters
|
|
62
iShares Broad USD High Yield Corporate Bond ETF
USHY
$25.9B
| $57.1M | 0.11% |
1,510,820
+216,309
| +17% | +$8.11M |
2021 Q1
18 quarters
|
|
63
iShares Investment Grade Systematic Bond ETF
IGEB
$1.43B
| $55.9M | 0.11% |
1,213,586
+526,254
| +77% | +$24M |
2023 Q4
7 quarters
|
|
64
AB Disruptors ETF
FWD
$3.48B
| $51M | 0.1% |
504,303
+63,313
| +14% | +$5.92M |
2025 Q1
2 quarters
|
|
65
Dimensional International Core Equity 2 ETF
DFIC
$15B
| $50.9M | 0.1% |
1,553,680
+100,741
| +7% | +$3.21M |
2022 Q4
11 quarters
|
|
66
Dimensional Core Fixed Income ETF
DFCF
$11.5B
| $48.8M | 0.1% |
1,142,139
+110,584
| +11% | +$4.69M |
2022 Q2
13 quarters
|
|
67
iShares MSCI KLD 400 Social ETF
DSI
$5.58B
| $48.1M | 0.1% |
382,197
-14,736
| -4% | -$1.78M |
2017 Q3
32 quarters
|
|
68
Goldman Sachs ActiveBeta Japan Equity ETF
GSJY
$101M
| $47.9M | 0.09% |
1,061,442
+68,292
| +7% | +$2.97M |
2024 Q2
5 quarters
|
|
69
Vanguard Short-Term Bond ETF
BSV
$46B
| $47.4M | 0.09% |
600,389
+30,133
| +5% | +$2.37M |
2016 Q4
35 quarters
|
|
70
Schwab U.S Small- Cap ETF
SCHA
$21.8B
| $42.8M | 0.08% |
1,533,125
-17,989
| -1% | -$481K |
2022 Q4
11 quarters
|
|
71
Invesco QQQ Trust
QQQ
$507B
| $42.3M | 0.08% |
70,473
-2,979
| -4% | -$1.71M |
2020 Q4
19 quarters
|
|
72
Goldman Sachs Access US Aggregate Bond ETF
GCOR
$801M
| $40.8M | 0.08% |
976,565
+67,296
| +7% | +$2.78M |
2020 Q4
19 quarters
|
|
73
iShares ESG Optimized MSCI USA ETF
SUSA
$4.13B
| $40.2M | 0.08% |
296,167
-10,313
| -3% | -$1.35M |
2017 Q3
32 quarters
|
|
|
GMUB
74
Goldman Sachs Municipal Income ETF
GMUB
$465M
| $39.5M | 0.08% |
775,892
+245,844
| +46% | +$12.3M |
2025 Q2
1 quarter
|
|
75
Invesco NASDAQ 100 ETF
QQQM
$112B
| $38.1M | 0.08% |
154,011
+37,799
| +33% | +$8.91M |
2022 Q4
11 quarters
|
|
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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.