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Betterment LLC

Betterment LLC Portfolio holdings

AUM $52.8B
1-Year Est. Return 15.34%
This Fund
S&P 500
This Quarter Est. Return
+1.79%
1 Year Est. Return
+15.34%
3 Year Est. Return
+36.15%
5 Year Est. Return
+27.3%
10 Year Est. Return
+91.33%
AUM
$52.5B
AUM Growth
+$1.89B
Cap. Flow
+$992M
Cap. Flow %
1.89%
Top 10 Hldgs %
68.69%
Holding
563
New
41
Increased
351
Reduced
153
Closed
12

Top Buys

Rank Stock Value
1
SPYM
State Street SPDR Portfolio S&P 500 ETF
SPYM
+$401M
2
MUB icon
iShares National Muni Bond ETF
MUB
+$176M
3
AGG icon
iShares Core US Aggregate Bond ETF
AGG
+$169M
4
VWOB icon
Vanguard Emerging Markets Government Bond ETF
VWOB
+$90.7M
5
VEA icon
Vanguard FTSE Developed Markets ETF
VEA
+$69.9M

Top Sells

Rank Stock Value
1
VTI icon
Vanguard Morningstar Total Stock Market ETF
VTI
+$203M
2
EMB icon
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
+$73.8M
3
ITOT icon
iShares Core S&P Total US Stock Market ETF
ITOT
+$38.2M
4
FALN icon
iShares Fallen Angels USD Bond ETF
FALN
+$31.4M
5
TFI icon
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
+$23.2M

Sector Composition

Rank Sector Weight
1 Technology 0.04%
2 Communication Services 0.01%
3 Consumer Discretionary 0.01%
4 Financials 0.01%
5 Consumer Staples 0.01%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
EAGG icon
51
iShares ESG Aware US Aggregate Bond ETF
EAGG
$4.99B
$78.9M 0.15%
1,648,321
+124,961
+8% +$6.01M
IVE icon
52
iShares S&P 500 Value ETF
IVE
$50.3B
$78.4M 0.15%
369,725
-8,573
-2% -$1.8M
SHV icon
53
iShares 0-1 Year Treasury Bond ETF
SHV
$20.6B
$77.8M 0.15%
706,145
-75,692
-10% -$8.35M
VTIP icon
54
Vanguard Short-Term Inflation-Protected Securities Index Fund
VTIP
$19.8B
$76.9M 0.15%
1,555,395
-83,443
-5% -$4.17M
VO icon
55
Vanguard Morningstar Mid-Cap ETF
VO
$111B
$74.8M 0.14%
1,030,272
+74,764
+8% +$5.44M
EFAX icon
56
State Street SPDR MSCI EAFE Fossil Fuel Reserves Free ETF
EFAX
$519M
$72.5M 0.14%
1,435,553
+28,650
+2% +$1.42M
USHY icon
57
iShares Broad USD High Yield Corporate Bond ETF
USHY
$29.2B
$67.1M 0.13%
1,795,176
+284,356
+19% +$10.6M
IGEB icon
58
iShares Investment Grade Systematic Bond ETF
IGEB
$1.51B
$65.6M 0.12%
1,436,034
+222,448
+18% +$10.2M
ESGV icon
59
Vanguard ESG US Stock ETF
ESGV
$13.7B
$64.6M 0.12%
533,681
+48
+0% +$5.76K
BGRN icon
60
iShares USD Green Bond ETF
BGRN
$503M
$64.5M 0.12%
1,345,583
+86,489
+7% +$4.16M
GSSC icon
61
GS ActiveBeta US Small Cap Equity ETF
GSSC
$1.11B
$59.9M 0.11%
792,373
+500
+0.1% +$37.6K
IBIT icon
62
iShares Bitcoin Trust
IBIT
$47.2B
$59.3M 0.11%
1,194,989
+109,430
+10% +$6.22M
VB icon
63
Vanguard Morningstar Small-Cap ETF
VB
$83.4B
$59.1M 0.11%
229,220
-5,467
-2% -$1.4M
FWD icon
64
AB Disruptors ETF
FWD
$3.25B
$56.5M 0.11%
540,759
+36,456
+7% +$3.82M
DFIC icon
65
Dimensional International Core Equity 2 ETF
DFIC
$15.3B
$53.9M 0.1%
1,563,546
+9,866
+0.6% +$329K
DFCF icon
66
Dimensional Core Fixed Income ETF
DFCF
$10.9B
$50.2M 0.1%
1,179,477
+37,338
+3% +$1.6M
GSJY icon
67
Goldman Sachs ActiveBeta Japan Equity ETF
GSJY
$87.3M
$49.8M 0.09%
1,069,668
+8,226
+0.8% +$381K
BSV icon
68
Vanguard Short-Term Bond ETF
BSV
$45.7B
$48.4M 0.09%
614,397
+14,008
+2% +$1.11M
SCHA icon
69
Schwab U.S Small- Cap ETF
SCHA
$23.5B
$48.3M 0.09%
1,696,751
+163,626
+11% +$4.62M
DSI icon
70
iShares MSCI KLD 400 Social ETF
DSI
$5.58B
$47.5M 0.09%
368,440
-13,757
-4% -$1.76M
QQQM icon
71
Invesco NASDAQ 100 ETF
QQQM
$104B
$44M 0.08%
174,080
+20,069
+13% +$5.07M
GMUB
72
Goldman Sachs Municipal Income ETF
GMUB
$316M
$42.6M 0.08%
831,786
+55,894
+7% +$2.85M
GCOR icon
73
Goldman Sachs Access US Aggregate Bond ETF
GCOR
$809M
$42.5M 0.08%
1,024,281
+47,716
+5% +$1.99M
QQQ icon
74
Invesco QQQ Trust
QQQ
$487B
$42.5M 0.08%
69,148
-1,325
-2% -$813K
SUSA icon
75
iShares ESG Optimized MSCI USA ETF
SUSA
$4.21B
$40.1M 0.08%
287,687
-8,480
-3% -$1.17M
1 2
3
4 5

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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 Technology at 0.04% of assets, up from 0.03% a quarter earlier, followed by Communication Services and Consumer Discretionary.

  • 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.