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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
USIG icon
101
iShares Broad USD Investment Grade Corporate Bond ETF
USIG
$17.4B
$17.9M 0.03%
346,088
+53,788
+18% +$2.8M
AVUV icon
102
Avantis US Small Cap Value ETF
AVUV
$31B
$17.9M 0.03%
175,362
-8,261
-4% -$827K
LQD icon
103
iShares iBoxx $ Investment Grade Corporate Bond ETF
LQD
$32.8B
$17.5M 0.03%
158,661
-4,311
-3% -$479K
CLOA icon
104
BlackRock ETF Trust II iShares AAA CLO Active ETF
CLOA
$2.26B
$16.8M 0.03%
+324,160
New +$16.8M
QLTA icon
105
iShares AAA-A Rated Corporate Bond ETF
QLTA
$1.22B
$16.6M 0.03%
+344,382
New +$16.7M
HYDB icon
106
iShares High Yield Systematic Bond ETF
HYDB
$1.61B
$16.3M 0.03%
344,845
+54,126
+19% +$2.56M
SCHH icon
107
Schwab US REIT ETF
SCHH
$11.4B
$16.1M 0.03%
769,210
+61,581
+9% +$1.31M
SHM icon
108
State Street SPDR Nuveen ICE Short Term Municipal Bond ETF
SHM
$3.48B
$15.6M 0.03%
325,174
-12,978
-4% -$623K
SGOV icon
109
iShares 0-3 Month Treasury Bond ETF
SGOV
$101B
$15.4M 0.03%
153,084
+62,784
+70% +$6.31M
VMBS icon
110
Vanguard Mortgage-Backed Securities ETF
VMBS
$15.7B
$14.7M 0.03%
312,948
+10,989
+4% +$518K
IGSB icon
111
iShares 1-5 Year Investment Grade Corporate Bond ETF
IGSB
$23.4B
$14.7M 0.03%
277,271
+41,309
+18% +$2.19M
IEF icon
112
iShares 7-10 Year Treasury Bond ETF
IEF
$47.3B
$14.6M 0.03%
151,812
+19,047
+14% +$1.84M
IEUR icon
113
iShares Core MSCI Europe ETF
IEUR
$9.15B
$14.6M 0.03%
205,241
-10,216
-5% -$707K
BLV icon
114
Vanguard Long-Term Bond ETF
BLV
$5.73B
$14.5M 0.03%
208,990
+4,959
+2% +$351K
DFSV
115
Dimensional US Small Cap Value ETF
DFSV
$8.45B
$14.3M 0.03%
435,005
+8,720
+2% +$280K
DFUS
116
Dimensional US Equity ETF
DFUS
$21.8B
$14.1M 0.03%
189,498
+6,569
+4% +$483K
COMB icon
117
GraniteShares Bloomberg Commodity Broad Strategy No K-1 ETF
COMB
$150M
$13.9M 0.03%
660,590
+43,429
+7% +$977K
IGLB icon
118
iShares 10+ Year Investment Grade Corporate Bond ETF
IGLB
$2.8B
$13.9M 0.03%
275,576
+42,869
+18% +$2.2M
DISV icon
119
Dimensional International Small Cap Value ETF
DISV
$5.16B
$13.7M 0.03%
361,688
+19,865
+6% +$720K
CMF icon
120
iShares California Muni Bond ETF
CMF
$4.63B
$13.3M 0.03%
231,306
+13,911
+6% +$799K
SPY icon
121
State Street SPDR S&P 500 ETF Trust
SPY
$815B
$13.2M 0.03%
19,400
+2,813
+17% +$1.9M
VOOG icon
122
Vanguard S&P 500 Growth ETF
VOOG
$27.4B
$12.9M 0.02%
174,438
-1,416
-0.8% -$104K
VNQI icon
123
Vanguard Global ex-US Real Estate ETF
VNQI
$3.52B
$12.2M 0.02%
266,863
+4,768
+2% +$225K
DFAX icon
124
Dimensional World ex US Core Equity 2 ETF
DFAX
$12.5B
$12.2M 0.02%
372,014
+2,608
+0.7% +$83.2K
GMOM icon
125
Cambria Global Momentum ETF
GMOM
$72.4M
$12.1M 0.02%
361,904
-10,110
-3% -$333K
3 4
5
6 7

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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.