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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 |
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 | |
|---|---|---|---|---|---|---|---|
101
iShares Broad USD Investment Grade Corporate Bond ETF
USIG
$17.5B
| $17.9M | 0.03% |
346,088
+53,788
| +18% | +$2.8M |
2025 Q3
1 quarter
|
|
102
Avantis US Small Cap Value ETF
AVUV
$30.9B
| $17.9M | 0.03% |
175,362
-8,261
| -4% | -$827K |
2021 Q3
17 quarters
|
|
103
iShares iBoxx $ Investment Grade Corporate Bond ETF
LQD
$27.6B
| $17.5M | 0.03% |
158,661
-4,311
| -3% | -$479K |
2014 Q4
44 quarters
|
|
104
BlackRock ETF Trust II iShares AAA CLO Active ETF
CLOA
$2.75B
| $16.8M | 0.03% |
+324,160
| New | +$16.8M |
2025 Q4
0 quarters
|
|
105
iShares AAA-A Rated Corporate Bond ETF
QLTA
$1.16B
| $16.6M | 0.03% |
+344,382
| New | +$16.7M |
2025 Q4
0 quarters
|
|
106
iShares High Yield Systematic Bond ETF
HYDB
$1.58B
| $16.3M | 0.03% |
344,845
+54,126
| +19% | +$2.56M |
2024 Q1
7 quarters
|
|
107
Schwab US REIT ETF
SCHH
$10.7B
| $16.1M | 0.03% |
769,210
+61,581
| +9% | +$1.31M |
2018 Q4
28 quarters
|
|
108
State Street SPDR Nuveen ICE Short Term Municipal Bond ETF
SHM
$3.47B
| $15.6M | 0.03% |
325,174
-12,978
| -4% | -$623K |
2024 Q2
6 quarters
|
|
109
iShares 0-3 Month Treasury Bond ETF
SGOV
$112B
| $15.4M | 0.03% |
153,084
+62,784
| +70% | +$6.31M |
2022 Q1
15 quarters
|
|
110
Vanguard Mortgage-Backed Securities ETF
VMBS
$15.4B
| $14.7M | 0.03% |
312,948
+10,989
| +4% | +$518K |
2016 Q4
36 quarters
|
|
111
iShares 1-5 Year Investment Grade Corporate Bond ETF
IGSB
$23.3B
| $14.7M | 0.03% |
277,271
+41,309
| +18% | +$2.19M |
2017 Q3
33 quarters
|
|
112
iShares 7-10 Year Treasury Bond ETF
IEF
$41.5B
| $14.6M | 0.03% |
151,812
+19,047
| +14% | +$1.84M |
2018 Q2
30 quarters
|
|
113
iShares Core MSCI Europe ETF
IEUR
$9.19B
| $14.6M | 0.03% |
205,241
-10,216
| -5% | -$707K |
2024 Q3
5 quarters
|
|
114
Vanguard Long-Term Bond ETF
BLV
$5.45B
| $14.5M | 0.03% |
208,990
+4,959
| +2% | +$351K |
2017 Q1
35 quarters
|
|
115
U.S. Small Cap Value Portfolio ETF Class Shares
DFSV
$8.06B
| $14.3M | 0.03% |
435,005
+8,720
| +2% | +$280K |
2022 Q4
12 quarters
|
|
116
Dimensional US Equity ETF
DFUS
$21.8B
| $14.1M | 0.03% |
189,498
+6,569
| +4% | +$483K |
2021 Q2
18 quarters
|
|
117
GraniteShares Bloomberg Commodity Broad Strategy No K-1 ETF
COMB
$161M
| $13.9M | 0.03% |
660,590
+43,429
| +7% | +$977K |
2019 Q2
26 quarters
|
|
118
iShares 10+ Year Investment Grade Corporate Bond ETF
IGLB
$2.54B
| $13.9M | 0.03% |
275,576
+42,869
| +18% | +$2.2M |
2024 Q4
4 quarters
|
|
119
Dimensional International Small Cap Value ETF
DISV
$5.08B
| $13.7M | 0.03% |
361,688
+19,865
| +6% | +$720K |
2023 Q1
11 quarters
|
|
120
iShares California Muni Bond ETF
CMF
$4.8B
| $13.3M | 0.03% |
231,306
+13,911
| +6% | +$799K |
2014 Q4
44 quarters
|
|
121
State Street SPDR S&P 500 ETF Trust
SPY
$833B
| $13.2M | 0.03% |
19,400
+2,813
| +17% | +$1.9M |
2019 Q2
26 quarters
|
|
122
Vanguard S&P 500 Growth ETF
VOOG
$28.1B
| $12.9M | 0.02% |
174,438
-1,416
| -0.8% | -$104K |
2018 Q4
28 quarters
|
|
123
Vanguard Global ex-US Real Estate ETF
VNQI
$3.25B
| $12.2M | 0.02% |
266,863
+4,768
| +2% | +$225K |
2016 Q4
36 quarters
|
|
124
Dimensional World ex US Core Equity 2 ETF
DFAX
$12.4B
| $12.2M | 0.02% |
372,014
+2,608
| +0.7% | +$83.2K |
2021 Q3
17 quarters
|
|
125
Cambria Global Momentum ETF
GMOM
$80.8M
| $12.1M | 0.02% |
361,904
-10,110
| -3% | -$333K |
2016 Q3
37 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.