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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
+5.94%
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
$50.6B
AUM Growth
+$3.64B
(+7.7%)
Cap. Flow
+$854M
Cap. Flow
% of AUM
1.69%
Top 10 Holdings %
Top 10 Hldgs %
68.39%
Holding
531
New
34
Increased
296
Reduced
190
Closed
9
Avg Time Held
12.3
quarters
Top 10 Avg Time Held
26.6
quarters
Top 20 Avg Time Held
25.1
quarters
Top Buys
| Rank | Stock | Value |
|---|---|---|
| 1 |
State Street SPDR Portfolio S&P 500 ETF
SPYM
|
+$350M |
| 2 |
Vanguard Tax-Exempt Bond Index Fund
VTEB
|
+$299M |
| 3 |
Vanguard FTSE Developed Markets ETF
VEA
|
+$196M |
| 4 |
iShares Core US Aggregate Bond ETF
AGG
|
+$149M |
| 5 |
Vanguard Emerging Markets Government Bond ETF
VWOB
|
+$122M |
Top Sells
| Rank | Stock | Value |
|---|---|---|
| 1 |
Vanguard Morningstar Total Stock Market ETF
VTI
|
+$165M |
| 2 |
iShares National Muni Bond ETF
MUB
|
+$130M |
| 3 |
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
|
+$110M |
| 4 |
iShares Core S&P Total US Stock Market ETF
ITOT
|
+$47.1M |
| 5 |
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
|
+$23M |
Sector Composition
| Rank | Sector | Weight |
|---|---|---|
| 1 | Miscellaneous | 99.93% |
| 2 | Technology | 0.03% |
| 3 | Consumer Discretionary | 0.01% |
| 4 | Communication Services | 0.01% |
| 5 | Financials | 0.01% |
| Name | Market Value | Portfolio Weight | Shares or Principal |
Change in Stake | Capital Flow | Held Since | |
|---|---|---|---|---|---|---|---|
101
iShares iBoxx $ Investment Grade Corporate Bond ETF
LQD
$27.6B
| $18.2M | 0.04% |
162,972
-7,619
| -4% | -$838K |
2014 Q4
43 quarters
|
|
102
iShares Treasury Floating Rate Bond ETF
TFLO
$6.98B
| $16.8M | 0.03% |
331,593
+55,469
| +20% | +$2.8M |
2023 Q3
8 quarters
|
|
103
State Street SPDR Nuveen ICE Short Term Municipal Bond ETF
SHM
$3.47B
| $16.3M | 0.03% |
338,152
-13,749
| -4% | -$662K |
2024 Q2
5 quarters
|
|
104
Schwab US REIT ETF
SCHH
$10.7B
| $15.3M | 0.03% |
707,629
+73,692
| +12% | +$1.57M |
2018 Q4
27 quarters
|
|
105
iShares Broad USD Investment Grade Corporate Bond ETF
USIG
$17.5B
| $15.3M | 0.03% |
+292,300
| New | +$15.1M |
2025 Q3
0 quarters
|
|
106
iShares Core MSCI Europe ETF
IEUR
$9.19B
| $14.7M | 0.03% |
215,457
-8,949
| -4% | -$597K |
2024 Q3
4 quarters
|
|
107
Vanguard Long-Term Bond ETF
BLV
$5.45B
| $14.5M | 0.03% |
204,031
+8,408
| +4% | +$584K |
2017 Q1
34 quarters
|
|
108
Vanguard Mortgage-Backed Securities ETF
VMBS
$15.4B
| $14.2M | 0.03% |
301,959
+10,971
| +4% | +$509K |
2016 Q4
35 quarters
|
|
109
iShares High Yield Systematic Bond ETF
HYDB
$1.58B
| $13.9M | 0.03% |
290,719
+43,430
| +18% | +$2.06M |
2024 Q1
6 quarters
|
|
110
U.S. Small Cap Value Portfolio ETF Class Shares
DFSV
$8.06B
| $13.6M | 0.03% |
426,285
+26,800
| +7% | +$837K |
2022 Q4
11 quarters
|
|
111
GraniteShares Bloomberg Commodity Broad Strategy No K-1 ETF
COMB
$161M
| $13.5M | 0.03% |
617,161
+66,003
| +12% | +$1.4M |
2019 Q2
25 quarters
|
|
112
Dimensional US Equity ETF
DFUS
$21.8B
| $13.3M | 0.03% |
182,929
+23,710
| +15% | +$1.65M |
2021 Q2
17 quarters
|
|
113
iShares 7-10 Year Treasury Bond ETF
IEF
$41.5B
| $12.8M | 0.03% |
132,765
+57,963
| +77% | +$5.54M |
2018 Q2
29 quarters
|
|
114
Vanguard S&P 500 Growth ETF
VOOG
$28.1B
| $12.8M | 0.03% |
175,854
-7,038
| -4% | -$487K |
2018 Q4
27 quarters
|
|
115
iShares 1-5 Year Investment Grade Corporate Bond ETF
IGSB
$23.3B
| $12.5M | 0.02% |
235,962
+66,436
| +39% | +$3.51M |
2017 Q3
32 quarters
|
|
116
Vanguard Global ex-US Real Estate ETF
VNQI
$3.25B
| $12.5M | 0.02% |
262,095
-4,086
| -2% | -$191K |
2016 Q4
35 quarters
|
|
117
iShares California Muni Bond ETF
CMF
$4.8B
| $12.4M | 0.02% |
217,395
+16,409
| +8% | +$918K |
2014 Q4
43 quarters
|
|
118
Dimensional International Small Cap Value ETF
DISV
$5.08B
| $12.2M | 0.02% |
341,823
+26,353
| +8% | +$903K |
2023 Q1
10 quarters
|
|
119
Cambria Global Momentum ETF
GMOM
$80.8M
| $12M | 0.02% |
372,014
-858
| -0.2% | -$26.3K |
2016 Q3
36 quarters
|
|
120
iShares 10+ Year Investment Grade Corporate Bond ETF
IGLB
$2.54B
| $12M | 0.02% |
232,707
-34,784
| -13% | -$1.75M |
2024 Q4
3 quarters
|
|
121
Dimensional World ex US Core Equity 2 ETF
DFAX
$12.4B
| $11.6M | 0.02% |
369,406
-2,962
| -0.8% | -$89.9K |
2021 Q3
16 quarters
|
|
122
State Street SPDR S&P 500 ETF Trust
SPY
$833B
| $11.1M | 0.02% |
16,587
+1,269
| +8% | +$813K |
2019 Q2
25 quarters
|
|
123
Xtrackers USD High Yield Corporate Bond ETF
HYLB
$3.21B
| $11M | 0.02% |
297,650
+34,463
| +13% | +$1.27M |
2018 Q3
28 quarters
|
|
124
iShares Floating Rate Bond ETF
FLOT
$11.1B
| $10.7M | 0.02% |
209,620
-22,234
| -10% | -$1.13M |
2017 Q3
32 quarters
|
|
125
Dimensional Emerging Core Equity Market ETF
DFAE
$10.1B
| $10.6M | 0.02% |
337,462
-11,763
| -3% | -$354K |
2021 Q3
16 quarters
|
|
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Betterment LLC's Q3 2025 Portfolio in Review
As of Q3 2025, Betterment LLC held 531 positions worth $50.6B, up 7.7% from $47B the previous quarter. Its ten largest holdings account for 68% of the portfolio.
Betterment LLC's Q3 2025 filing shows 34 new, 296 increased, 190 reduced and 9 closed positions. Its largest new stake was iShares Broad USD Investment Grade Corporate Bond ETF: 292,300 shares worth $15.3M. The largest sale was Vanguard Morningstar Total Stock Market ETF, an estimated $165M.
By sector, the portfolio is most concentrated in Miscellaneous at 100% of assets, down from 100% a quarter earlier, followed by Technology and Consumer Discretionary.
- Betterment LLC's largest Q3 2025 buy was iShares Broad USD Investment Grade Corporate Bond ETF: 292,300 shares worth $15.3M.
- Betterment LLC added most to State Street SPDR Portfolio S&P 500 ETF in Q3 2025, an estimated $350M increase.
- Betterment LLC's biggest Q3 2025 reduction was Vanguard Morningstar Total Stock Market ETF, cutting an estimated $165M.
- Betterment LLC fully exited iShares MSCI ACWI ETF in Q3 2025, selling an estimated $332K.
- Betterment LLC's ten largest holdings make up 68% of its $50.6B portfolio in Q3 2025.
- Betterment LLC opened 34 new positions and closed 9 in Q3 2025.
- Betterment LLC's portfolio value rose 7.7% quarter-over-quarter to $50.6B.
Based on Betterment LLC's 13F filing for Q3 2025, filed 13 Nov 2025.