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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 | |
|---|---|---|---|---|---|---|---|
76
iShares ESG Aware USD Corporate Bond ETF
SUSC
$1.28B
| $37.5M | 0.07% |
1,602,126
+93,705
| +6% | +$2.2M |
2021 Q1
19 quarters
|
|
77
Goldman Sachs Access Inflation Protected USD Bond ETF
GTIP
$292M
| $37.2M | 0.07% |
756,947
+68,394
| +10% | +$3.4M |
2019 Q2
26 quarters
|
|
78
iShares 0-5 Year High Yield Corporate Bond ETF
SHYG
$7.63B
| $35.5M | 0.07% |
827,737
+131,195
| +19% | +$5.63M |
2020 Q4
20 quarters
|
|
79
Vanguard Dividend Appreciation ETF
VIG
$111B
| $35.1M | 0.07% |
159,921
+5,428
| +4% | +$1.19M |
2020 Q2
22 quarters
|
|
80
Vanguard Morningstar Large-Cap ETF
VV
$55.2B
| $34M | 0.06% |
107,899
+556
| +0.5% | +$174K |
2024 Q1
7 quarters
|
|
|
DFAI
81
Dimensional International Core Equity Market ETF
DFAI
$17.8B
| $30.9M | 0.06% |
811,656
-19,826
| -2% | -$735K |
2021 Q3
17 quarters
|
|
82
BlackRock Flexible Income ETF
BINC
$16.5B
| $29.6M | 0.06% |
561,524
+500,820
| +825% | +$26.6M |
2025 Q2
2 quarters
|
|
83
Goldman Sachs Access Investment Grade Corporate Bond ETF
GIGB
$959M
| $29.5M | 0.06% |
638,620
-6,215
| -1% | -$290K |
2017 Q4
32 quarters
|
|
84
Dimensional Emerging Markets Core Equity 2 ETF
DFEM
$9.64B
| $29.4M | 0.06% |
889,780
+34,341
| +4% | +$1.12M |
2022 Q4
12 quarters
|
|
85
Vanguard Total International Stock ETF
VXUS
$160B
| $28.9M | 0.06% |
382,801
+27,490
| +8% | +$2.05M |
2016 Q2
38 quarters
|
|
86
Dimensional US Core Equity Market ETF
DFAU
$13.1B
| $28.3M | 0.05% |
604,692
-30,348
| -5% | -$1.41M |
2021 Q3
17 quarters
|
|
87
State Street SPDR MSCI Emerging Markets Fossil Fuel Reserves Free ETF
EEMX
$185M
| $25.7M | 0.05% |
603,347
-12,692
| -2% | -$538K |
2020 Q4
20 quarters
|
|
88
Goldman Sachs Access Emerging Markets USD Bond ETF
GEMD
$35.9M
| $25.5M | 0.05% |
601,446
+16,597
| +3% | +$705K |
2022 Q2
14 quarters
|
|
89
Dimensional US Large Cap Value ETF
DFLV
$7.06B
| $25.3M | 0.05% |
740,678
+67,135
| +10% | +$2.24M |
2023 Q3
9 quarters
|
|
90
U.S. Core Equity 1 Portfolio ETF Class Shares
DCOR
$3.59B
| $25.2M | 0.05% |
342,376
+32,289
| +10% | +$2.35M |
2024 Q1
7 quarters
|
|
91
Vanguard Total World Bond ETF
BNDW
$1.85B
| $24.8M | 0.05% |
361,416
+27,025
| +8% | +$1.88M |
2024 Q2
6 quarters
|
|
92
Goldman Sachs JUST US Large Cap Equity ETF
JUST
$578M
| $24.4M | 0.05% |
252,278
+6,138
| +2% | +$586K |
2024 Q4
4 quarters
|
|
93
Vanguard Morningstar Mid-Cap Growth ETF
VOT
$19.6B
| $24.1M | 0.05% |
86,435
+1,896
| +2% | +$543K |
2017 Q3
33 quarters
|
|
94
Vanguard Intermediate-Term Bond ETF
BIV
$28.1B
| $23.7M | 0.05% |
304,192
+22,151
| +8% | +$1.73M |
2016 Q4
36 quarters
|
|
95
iShares Short-Term National Muni Bond ETF
SUB
$12B
| $21.3M | 0.04% |
199,422
-6,322
| -3% | -$674K |
2021 Q2
18 quarters
|
|
96
U.S. Targeted Value Portfolio ETF Class Shares
DFAT
$13.8B
| $21.3M | 0.04% |
357,340
-796
| -0.2% | -$46.4K |
2022 Q2
14 quarters
|
|
|
ETHA
97
iShares Ethereum Trust ETF
ETHA
$27.3B
| $20M | 0.04% |
297,331
+9,863
| +3% | +$774K |
2024 Q4
4 quarters
|
|
98
iShares Treasury Floating Rate Bond ETF
TFLO
$6.98B
| $19.7M | 0.04% |
391,135
+59,542
| +18% | +$3.01M |
2023 Q3
9 quarters
|
|
99
SGI Enhanced Core ETF
USDX
$294M
| $19.1M | 0.04% |
745,523
-5,687
| -0.8% | -$147K |
2024 Q2
6 quarters
|
|
100
Vanguard Long-Term Treasury ETF
VGLT
$10B
| $18.8M | 0.04% |
336,442
+5,524
| +2% | +$314K |
2021 Q2
18 quarters
|
|
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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 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.