Betterment LLC Portfolio holdings

AUM $42.2B

AUM

$42.2B

AUM Growth

+$206M (+0.5%)

Cap. Flow

+$479M

Cap. Flow % of AUM

1.14%

Top 10 Holdings %Top 10 Hldgs %

68.81%

Holding

472

New

Increased

265

Reduced

163

Closed

Top Buys

1	SPDR Portfolio S&P 500 ETF SPLG	$788M
2	iShares Core US Aggregate Bond ETF AGG	$196M
3	Schwab US Large- Cap ETF SCHX	$159M
4	JPMorgan Ultra-Short Income ETF JPST	$150M
5	SPDR Nuveen Bloomberg Municipal Bond ETF TFI	$94.4M

Top Sells

1	Vanguard Total Stock Market ETF VTI	$240M
2	Vanguard FTSE Emerging Markets ETF VWO	$181M
3	Vanguard FTSE Developed Markets ETF VEA	$178M
4	Vanguard Total International Bond ETF BNDX	$126M
5	iShares JPMorgan USD Emerging Markets Bond ETF EMB	$95.8M

Sector Composition

1	Technology	0.03%
2	Consumer Discretionary	0.01%
3	Financials	0.01%
4	Communication Services	0.01%
5	Consumer Staples	0%

#	Name	Market Value	Portfolio Weight	Shares or Principal	Shares Change %	Capital Flow
126	126 Dimensional World ex US Core Equity 2 ETF DFAX $7.9B	$7.72M	0.02%	294,493 +3,570	+1%	+$93.5K
127	127 Avantis International Small Cap Value ETF AVDV $8.87B	$7.42M	0.02%	106,406 -1,539	-1%	-$107K
128	128 Vanguard Global ex-US Real Estate ETF VNQI $3.53B	$7.29M	0.02%	180,111 +8,794	+5%	+$356K
129	129 iShares 7-10 Year Treasury Bond ETF IEF $34.3B	$7.03M	0.02%	73,734 +25,904	+54%	+$2.47M
130	130 VanEck Morningstar Wide Moat ETF MOAT $15.2B	$6.87M	0.02%	78,082 +2,460	+3%	+$216K
131	131 Apple AAPL $3.09T	$6.66M	0.02%	29,993 +2,647	+10%	+$588K
132	132 iShares 20+ Year Treasury Bond ETF TLT $48.3B	$6.5M	0.02%	71,375 +14,565	+26%	+$1.33M
133	133 Dimensional Global Credit ETF DGCB $573M	$6.42M	0.02%	120,801 +27,993	+30%	+$1.49M
134	134 Dimensional US Real Estate ETF DFAR $1.33B	$6.38M	0.02%	268,218 +40,865	+18%	+$971K
135	135 iShares 1-3 Year Treasury Bond ETF SHY $23.9B	$6.27M	0.01%	75,756 -160,398	-68%	-$13.3M
136	136 Capital Group Short Duration Municipal Income ETF CGSM $660M	$6.12M	0.01%	235,443 +4,583	+2%	+$119K
137	137 WisdomTree Emerging Markets ex-State-Owned Enterprises Fund XSOE $2.19B	$5.95M	0.01%	192,882 +10,397	+6%	+$321K
138	138 Dimensional US Equity ETF DFUS $14.5B	$5.93M	0.01%	98,075 -2,821	-3%	-$171K
139	139 BlackRock Short Maturity Municipal Bond ETF MEAR $1.03B	$5.61M	0.01%	111,555 +25,912	+30%	+$1.3M
140	140 Dimensional Emerging Markets Value ETF DFEV $987M	$5.43M	0.01%	200,687 +73,299	+58%	+$1.98M
141	141 iShares 5-10 Year Investment Grade Corporate Bond ETF IGIB $14.6B	$5.37M	0.01%	102,284 +41,040	+67%	+$2.16M
142	142 Schwab US Large-Cap Growth ETF SCHG $41B	$5.35M	0.01%	213,586 +53,534	+33%	+$1.34M
143	143 iShares Core S&P Small-Cap ETF IJR $78.5B	$5.3M	0.01%	50,686 -9,068	-15%	-$948K
144	144 Vanguard Tax-Exempt Bond Index Fund VTEB $35.6B	$5.25M	0.01%	105,892 +36,812	+53%	+$1.83M
145	145 Avantis US Equity ETF AVUS $8.3B	$5.16M	0.01%	55,875 +9,526	+21%	+$880K
146	146 Vanguard Short-Term Treasury ETF VGSH $22.4B	$4.89M	0.01%	83,352 +8,212	+11%	+$482K
147	147 Capital Group Dividend Value ETF CGDV $16.4B	$4.53M	0.01%	127,206 +5,584	+5%	+$199K
148	148 Vanguard Real Estate ETF VNQ $33.7B	$4.47M	0.01%	49,327 -1,175	-2%	-$106K
149	149 iShares MBS ETF MBB $38B	$4.35M	0.01%	46,359 -43,341	-48%	-$4.06M
150	150 Fidelity Total Bond ETF FBND $18.3B	$4.33M	0.01%	94,904 +35,797	+61%	+$1.63M