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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 | |
|---|---|---|---|---|---|---|---|
126
Vanguard International Dividend Appreciation ETF
VIGI
$8.84B
| $10.4M | 0.02% |
116,546
+8,959
| +8% | +$798K |
2022 Q1
14 quarters
|
|
127
Dimensional Short-Duration Fixed Income ETF
DFSD
$7.29B
| $10.3M | 0.02% |
214,194
+2,007
| +0.9% | +$96.6K |
2022 Q4
11 quarters
|
|
128
Vanguard S&P 500 Value ETF
VOOV
$6.68B
| $9.5M | 0.02% |
47,641
+320
| +0.7% | +$62.1K |
2018 Q4
27 quarters
|
|
129
Dimensional US Sustainability Core 1 ETF
DFSU
$2.39B
| $9.45M | 0.02% |
222,544
+60,242
| +37% | +$2.46M |
2024 Q1
6 quarters
|
|
130
iShares 0-3 Month Treasury Bond ETF
SGOV
$112B
| $9.09M | 0.02% |
90,300
+59,623
| +194% | +$6M |
2022 Q1
14 quarters
|
|
131
Avantis International Small Cap Value ETF
AVDV
$20.1B
| $8.8M | 0.02% |
98,809
-469
| -0.5% | -$39.4K |
2021 Q3
16 quarters
|
|
132
Capital Group US Multi-Sector Income ETF
CGMS
$5.38B
| $8.5M | 0.02% |
306,338
-14,075
| -4% | -$390K |
2024 Q1
6 quarters
|
|
133
DFA Real Estate Securities Portfolio ETF Class Shares
DFAR
$1.65B
| $8.3M | 0.02% |
348,105
+38,012
| +12% | +$896K |
2022 Q4
11 quarters
|
|
134
iShares 20+ Year Treasury Bond ETF
TLT
$46.7B
| $8.25M | 0.02% |
92,333
+17,769
| +24% | +$1.55M |
2021 Q4
15 quarters
|
|
135
iShares New York Muni Bond ETF
NYF
$1.53B
| $8.04M | 0.02% |
150,701
-15,663
| -9% | -$820K |
2017 Q2
33 quarters
|
|
136
Dimensional Global Credit ETF
DGCB
$1.12B
| $8M | 0.02% |
144,296
+9,009
| +7% | +$493K |
2024 Q1
6 quarters
|
|
137
Apple
AAPL
$4.91T
| $7.65M | 0.02% |
30,056
-1,276
| -4% | -$288K |
2023 Q3
8 quarters
|
|
138
Avantis US Equity ETF
AVUS
$14.7B
| $7.49M | 0.01% |
68,925
+8,315
| +14% | +$873K |
2022 Q4
11 quarters
|
|
139
BlackRock Short Maturity Municipal Bond ETF
MEAR
$1.47B
| $7.48M | 0.01% |
148,087
-10,365
| -7% | -$522K |
2024 Q3
4 quarters
|
|
140
U.S. High Relative Profitability Portfolio ETF Class Shares
DUHP
$12.9B
| $7.48M | 0.01% |
197,930
+27,978
| +16% | +$1.03M |
2023 Q1
10 quarters
|
|
141
Schwab US Large-Cap Growth ETF
SCHG
$65.3B
| $7.38M | 0.01% |
231,318
+13,136
| +6% | +$400K |
2021 Q4
15 quarters
|
|
142
Vanguard Real Estate ETF
VNQ
$35.8B
| $7.24M | 0.01% |
79,238
-2,920
| -4% | -$265K |
2015 Q4
39 quarters
|
|
143
WisdomTree Emerging Markets ex-State-Owned Enterprises Fund
XSOE
$2.07B
| $7.21M | 0.01% |
190,107
+2,127
| +1% | +$76.2K |
2021 Q4
15 quarters
|
|
144
Dimensional Emerging Markets Value ETF
DFEV
$2.18B
| $7M | 0.01% |
219,510
+13,733
| +7% | +$426K |
2023 Q1
10 quarters
|
|
145
iShares Future Exponential Technologies ETF
XT
$4.07B
| $6.98M | 0.01% |
96,989
-2,400
| -2% | -$162K |
2023 Q4
7 quarters
|
|
146
iShares 1-3 Year Treasury Bond ETF
SHY
$26.4B
| $6.91M | 0.01% |
83,325
+10,451
| +14% | +$864K |
2024 Q2
5 quarters
|
|
147
Dimensional Global Core Plus Fixed Income ETF
DFGP
$3.58B
| $6.85M | 0.01% |
123,248
+18,221
| +17% | +$1,000K |
2024 Q2
5 quarters
|
|
148
iShares 5-10 Year Investment Grade Corporate Bond ETF
IGIB
$18.7B
| $6.76M | 0.01% |
125,059
+587
| +0.5% | +$31.4K |
2023 Q3
8 quarters
|
|
149
iShares Russell Top 200 Growth ETF
IWY
$16.7B
| $6.18M | 0.01% |
22,590
-1,070
| -5% | -$277K |
2022 Q4
11 quarters
|
|
150
iShares JPMorgan EM High Yield Bond ETF
EMHY
$590M
| $5.85M | 0.01% |
147,330
-107,655
| -42% | -$4.24M |
2017 Q3
32 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.