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
76	76 Goldman Sachs Access US Aggregate Bond ETF GCOR $585M	$24.6M	0.06%	596,331 +38,106	+7%	+$1.57M
77	77 SPDR MSCI Emerging Markets Fossil Fuel Reserves Free ETF EEMX $86.1M	$24.4M	0.06%	726,952 -68,707	-9%	-$2.31M
78	78 Vanguard Long-Term Treasury ETF VGLT $9.6B	$24.3M	0.06%	422,657 +36,913	+10%	+$2.13M
79	79 SPDR Nuveen ICE Short Term Municipal Bond ETF SHM $3.41B	$23.9M	0.06%	502,782 -75,037	-13%	-$3.57M
80	80 Dimensional Emerging Markets Core Equity 2 ETF DFEM $5.64B	$23.2M	0.06%	877,048 +53,129	+6%	+$1.41M
81	81 iShares 0-5 Year High Yield Corporate Bond ETF SHYG $6.72B	$23M	0.05%	541,388 +140,873	+35%	+$5.99M
82	82 iShares ESG Optimized MSCI USA ETF SUSA $3.58B	$21M	0.05%	183,029 -2,347	-1%	-$270K
83	83 Vanguard Large-Cap ETF VV $42.8B	$20.1M	0.05%	78,016 +45,114	+137%	+$11.6M
84	84 Goldman Sachs Access Emerging Markets USD Bond ETF GEMD $28.5M	$19.9M	0.05%	491,452 +5,747	+1%	+$233K
85	85 Vanguard Mid-Cap Growth ETF VOT $17.2B	$19.5M	0.05%	79,768 +2,989	+4%	+$731K
86	86 Vanguard Intermediate-Term Bond ETF BIV $23.1B	$19.1M	0.05%	249,003 +29,302	+13%	+$2.24M
87	87 iShares iBoxx $ Investment Grade Corporate Bond ETF LQD $30.1B	$17.7M	0.04%	163,182 +8,228	+5%	+$894K
88	88 Dimensional US Core Equity 1 ETF DCOR $1.85B	$16.9M	0.04%	275,476 +19,416	+8%	+$1.19M
89	89 SGI Enhanced Core ETF USDX $487M	$16.2M	0.04%	631,784 +128,667	+26%	+$3.3M
90	90 Dimensional US Targeted Value ETF DFAT $11.1B	$15.9M	0.04%	309,559 +46,779	+18%	+$2.41M
91	91 Dimensional US Large Cap Value ETF DFLV $3.7B	$15.3M	0.04%	501,309 +63,379	+14%	+$1.94M
92	92 Avantis US Small Cap Value ETF AVUV $16.8B	$14.3M	0.03%	164,553 +10,109	+7%	+$881K
93	93 Vanguard Ultra-Short Bond ETF VUSB $5.34B	$13.4M	0.03%	268,160 -30,978	-10%	-$1.54M
94	94 Vanguard Long-Term Bond ETF BLV $5.59B	$13.3M	0.03%	188,929 -483	-0.3%	-$34K
95	95 AB Disruptors ETF FWD $766M	$13.3M	0.03%	188,551	New	+$13.3M
96	96 iShares Treasury Floating Rate Bond ETF TFLO $6.74B	$13.1M	0.03%	259,489 +31,411	+14%	+$1.59M
97	97 Vanguard Mortgage-Backed Securities ETF VMBS $14.3B	$13.1M	0.03%	282,478 +9,719	+4%	+$450K
98	98 Schwab US REIT ETF SCHH $8.05B	$13M	0.03%	603,085 +20,458	+4%	+$440K
99	99 Goldman Sachs JUST US Large Cap Equity ETF JUST $470M	$13M	0.03%	162,947 +20,171	+14%	+$1.6M
100	100 Goldman Sachs Access High Yield Corporate Bond ETF GHYB $94.6M	$12.9M	0.03%	289,915 -29,837	-9%	-$1.33M