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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 |
SPYM
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 | |
|---|---|---|---|---|---|---|---|
51
iShares ESG Aware US Aggregate Bond ETF
EAGG
$4.96B
| $78.9M | 0.15% |
1,648,321
+124,961
| +8% | +$6.01M |
2020 Q4
20 quarters
|
|
52
iShares S&P 500 Value ETF
IVE
$49.3B
| $78.4M | 0.15% |
369,725
-8,573
| -2% | -$1.8M |
2014 Q4
44 quarters
|
|
53
iShares 0-1 Year Treasury Bond ETF
SHV
$23.5B
| $77.8M | 0.15% |
706,145
-75,692
| -10% | -$8.35M |
2014 Q4
44 quarters
|
|
54
Vanguard Short-Term Inflation-Protected Securities Index Fund
VTIP
$20B
| $76.9M | 0.15% |
1,555,395
-83,443
| -5% | -$4.17M |
2014 Q4
44 quarters
|
|
55
Vanguard Morningstar Mid-Cap ETF
VO
$106B
| $74.8M | 0.14% |
1,030,272
+74,764
| +8% | +$5.44M |
2022 Q4
12 quarters
|
|
56
State Street SPDR MSCI EAFE Fossil Fuel Reserves Free ETF
EFAX
$491M
| $72.5M | 0.14% |
1,435,553
+28,650
| +2% | +$1.42M |
2020 Q4
20 quarters
|
|
57
iShares Broad USD High Yield Corporate Bond ETF
USHY
$25.9B
| $67.1M | 0.13% |
1,795,176
+284,356
| +19% | +$10.6M |
2021 Q1
19 quarters
|
|
58
iShares Investment Grade Systematic Bond ETF
IGEB
$1.43B
| $65.6M | 0.12% |
1,436,034
+222,448
| +18% | +$10.2M |
2023 Q4
8 quarters
|
|
59
Vanguard ESG US Stock ETF
ESGV
$13.7B
| $64.6M | 0.12% |
533,681
+48
| +0% | +$5.76K |
2021 Q2
18 quarters
|
|
60
iShares USD Green Bond ETF
BGRN
$497M
| $64.5M | 0.12% |
1,345,583
+86,489
| +7% | +$4.16M |
2020 Q4
20 quarters
|
|
61
GS ActiveBeta US Small Cap Equity ETF
GSSC
$1.05B
| $59.9M | 0.11% |
792,373
+500
| +0.1% | +$37.6K |
2017 Q4
32 quarters
|
|
62
iShares Bitcoin Trust
IBIT
$65.9B
| $59.3M | 0.11% |
1,194,989
+109,430
| +10% | +$6.22M |
2024 Q1
7 quarters
|
|
63
Vanguard Morningstar Small-Cap ETF
VB
$78.1B
| $59.1M | 0.11% |
229,220
-5,467
| -2% | -$1.4M |
2016 Q4
36 quarters
|
|
64
AB Disruptors ETF
FWD
$3.48B
| $56.5M | 0.11% |
540,759
+36,456
| +7% | +$3.82M |
2025 Q1
3 quarters
|
|
65
Dimensional International Core Equity 2 ETF
DFIC
$15B
| $53.9M | 0.1% |
1,563,546
+9,866
| +0.6% | +$329K |
2022 Q4
12 quarters
|
|
66
Dimensional Core Fixed Income ETF
DFCF
$11.5B
| $50.2M | 0.1% |
1,179,477
+37,338
| +3% | +$1.6M |
2022 Q2
14 quarters
|
|
67
Goldman Sachs ActiveBeta Japan Equity ETF
GSJY
$101M
| $49.8M | 0.09% |
1,069,668
+8,226
| +0.8% | +$381K |
2024 Q2
6 quarters
|
|
68
Vanguard Short-Term Bond ETF
BSV
$46B
| $48.4M | 0.09% |
614,397
+14,008
| +2% | +$1.11M |
2016 Q4
36 quarters
|
|
69
Schwab U.S Small- Cap ETF
SCHA
$21.8B
| $48.3M | 0.09% |
1,696,751
+163,626
| +11% | +$4.62M |
2022 Q4
12 quarters
|
|
70
iShares MSCI KLD 400 Social ETF
DSI
$5.58B
| $47.5M | 0.09% |
368,440
-13,757
| -4% | -$1.76M |
2017 Q3
33 quarters
|
|
71
Invesco NASDAQ 100 ETF
QQQM
$112B
| $44M | 0.08% |
174,080
+20,069
| +13% | +$5.07M |
2022 Q4
12 quarters
|
|
|
GMUB
72
Goldman Sachs Municipal Income ETF
GMUB
$465M
| $42.6M | 0.08% |
831,786
+55,894
| +7% | +$2.85M |
2025 Q2
2 quarters
|
|
73
Goldman Sachs Access US Aggregate Bond ETF
GCOR
$801M
| $42.5M | 0.08% |
1,024,281
+47,716
| +5% | +$1.99M |
2020 Q4
20 quarters
|
|
74
Invesco QQQ Trust
QQQ
$507B
| $42.5M | 0.08% |
69,148
-1,325
| -2% | -$813K |
2020 Q4
20 quarters
|
|
75
iShares ESG Optimized MSCI USA ETF
SUSA
$4.13B
| $40.1M | 0.08% |
287,687
-8,480
| -3% | -$1.17M |
2017 Q3
33 quarters
|
|
Similar funds
TI
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.