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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
SUSC icon
76
iShares ESG Aware USD Corporate Bond ETF
SUSC
$1.29B
$37.5M 0.07%
1,602,126
+93,705
+6% +$2.2M
GTIP icon
77
Goldman Sachs Access Inflation Protected USD Bond ETF
GTIP
$296M
$37.2M 0.07%
756,947
+68,394
+10% +$3.4M
SHYG icon
78
iShares 0-5 Year High Yield Corporate Bond ETF
SHYG
$7.62B
$35.5M 0.07%
827,737
+131,195
+19% +$5.63M
VIG icon
79
Vanguard Dividend Appreciation ETF
VIG
$115B
$35.1M 0.07%
159,921
+5,428
+4% +$1.19M
VV icon
80
Vanguard Morningstar Large-Cap ETF
VV
$54.9B
$34M 0.06%
107,899
+556
+0.5% +$174K
DFAI
81
Dimensional International Core Equity Market ETF
DFAI
$18B
$30.9M 0.06%
811,656
-19,826
-2% -$735K
BINC icon
82
BlackRock Flexible Income ETF
BINC
$16.3B
$29.6M 0.06%
561,524
+500,820
+825% +$26.6M
GIGB icon
83
Goldman Sachs Access Investment Grade Corporate Bond ETF
GIGB
$974M
$29.5M 0.06%
638,620
-6,215
-1% -$290K
DFEM icon
84
Dimensional Emerging Markets Core Equity 2 ETF
DFEM
$9.38B
$29.4M 0.06%
889,780
+34,341
+4% +$1.12M
VXUS icon
85
Vanguard Total International Stock ETF
VXUS
$164B
$28.9M 0.06%
382,801
+27,490
+8% +$2.05M
DFAU icon
86
Dimensional US Core Equity Market ETF
DFAU
$12.9B
$28.3M 0.05%
604,692
-30,348
-5% -$1.41M
EEMX icon
87
State Street SPDR MSCI Emerging Markets Fossil Fuel Reserves Free ETF
EEMX
$180M
$25.7M 0.05%
603,347
-12,692
-2% -$538K
GEMD icon
88
Goldman Sachs Access Emerging Markets USD Bond ETF
GEMD
$37.6M
$25.5M 0.05%
601,446
+16,597
+3% +$705K
DFLV icon
89
Dimensional US Large Cap Value ETF
DFLV
$7.01B
$25.3M 0.05%
740,678
+67,135
+10% +$2.24M
DCOR icon
90
Dimensional US Core Equity 1 ETF
DCOR
$3.48B
$25.2M 0.05%
342,376
+32,289
+10% +$2.35M
BNDW icon
91
Vanguard Total World Bond ETF
BNDW
$1.89B
$24.8M 0.05%
361,416
+27,025
+8% +$1.88M
JUST icon
92
Goldman Sachs JUST US Large Cap Equity ETF
JUST
$582M
$24.4M 0.05%
252,278
+6,138
+2% +$586K
VOT icon
93
Vanguard Morningstar Mid-Cap Growth ETF
VOT
$20.3B
$24.1M 0.05%
86,435
+1,896
+2% +$543K
BIV icon
94
Vanguard Intermediate-Term Bond ETF
BIV
$28.9B
$23.7M 0.05%
304,192
+22,151
+8% +$1.73M
SUB icon
95
iShares Short-Term National Muni Bond ETF
SUB
$11.4B
$21.3M 0.04%
199,422
-6,322
-3% -$674K
DFAT icon
96
Dimensional US Targeted Value ETF
DFAT
$14.8B
$21.3M 0.04%
357,340
-796
-0.2% -$46.4K
ETHA
97
iShares Ethereum Trust ETF
ETHA
$5.56B
$20M 0.04%
891,994
+29,589
+3% +$774K
TFLO icon
98
iShares Treasury Floating Rate Bond ETF
TFLO
$6.72B
$19.7M 0.04%
391,135
+59,542
+18% +$3.01M
USDX icon
99
SGI Enhanced Core ETF
USDX
$302M
$19.1M 0.04%
745,523
-5,687
-0.8% -$147K
VGLT icon
100
Vanguard Long-Term Treasury ETF
VGLT
$10.4B
$18.8M 0.04%
336,442
+5,524
+2% +$314K
2 3
4
5 6

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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.