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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 | |
|---|---|---|---|---|---|---|---|
126
Xtrackers USD High Yield Corporate Bond ETF
HYLB
$3.21B
| $12M | 0.02% |
326,123
+28,473
| +10% | +$1.05M |
2018 Q3
29 quarters
|
|
127
Vanguard International Dividend Appreciation ETF
VIGI
$8.84B
| $11.1M | 0.02% |
121,286
+4,740
| +4% | +$429K |
2022 Q1
15 quarters
|
|
128
Dimensional US Sustainability Core 1 ETF
DFSU
$2.39B
| $11M | 0.02% |
253,119
+30,575
| +14% | +$1.31M |
2024 Q1
7 quarters
|
|
129
Dimensional Emerging Core Equity Market ETF
DFAE
$10.1B
| $10.5M | 0.02% |
321,935
-15,527
| -5% | -$500K |
2021 Q3
17 quarters
|
|
130
Dimensional Short-Duration Fixed Income ETF
DFSD
$7.29B
| $10.5M | 0.02% |
218,483
+4,289
| +2% | +$207K |
2022 Q4
12 quarters
|
|
131
Vanguard S&P 500 Value ETF
VOOV
$6.68B
| $9.63M | 0.02% |
46,984
-657
| -1% | -$133K |
2018 Q4
28 quarters
|
|
132
iShares 20+ Year Treasury Bond ETF
TLT
$46.7B
| $9.49M | 0.02% |
108,853
+16,520
| +18% | +$1.48M |
2021 Q4
16 quarters
|
|
133
Dimensional Global Credit ETF
DGCB
$1.12B
| $8.89M | 0.02% |
163,974
+19,678
| +14% | +$1.08M |
2024 Q1
7 quarters
|
|
134
Apple
AAPL
$4.91T
| $8.85M | 0.02% |
32,566
+2,510
| +8% | +$674K |
2023 Q3
9 quarters
|
|
135
Capital Group US Multi-Sector Income ETF
CGMS
$5.38B
| $8.72M | 0.02% |
315,747
+9,409
| +3% | +$261K |
2024 Q1
7 quarters
|
|
136
Avantis International Small Cap Value ETF
AVDV
$20.1B
| $8.61M | 0.02% |
91,646
-7,163
| -7% | -$650K |
2021 Q3
17 quarters
|
|
137
iShares New York Muni Bond ETF
NYF
$1.53B
| $8.36M | 0.02% |
156,208
+5,507
| +4% | +$295K |
2017 Q2
34 quarters
|
|
138
iShares 1-3 Year Treasury Bond ETF
SHY
$26.4B
| $8.22M | 0.02% |
99,270
+15,945
| +19% | +$1.32M |
2024 Q2
6 quarters
|
|
139
DFA Real Estate Securities Portfolio ETF Class Shares
DFAR
$1.65B
| $8.12M | 0.02% |
354,442
+6,337
| +2% | +$148K |
2022 Q4
12 quarters
|
|
140
U.S. High Relative Profitability Portfolio ETF Class Shares
DUHP
$12.9B
| $8.04M | 0.02% |
211,408
+13,478
| +7% | +$511K |
2023 Q1
11 quarters
|
|
141
iShares Core Universal USD Bond ETF
IUSB
$48.2B
| $7.99M | 0.02% |
171,750
+65,759
| +62% | +$3.07M |
2021 Q4
16 quarters
|
|
142
iShares 5-10 Year Investment Grade Corporate Bond ETF
IGIB
$18.7B
| $7.92M | 0.02% |
147,060
+22,001
| +18% | +$1.19M |
2023 Q3
9 quarters
|
|
143
Schwab US Large-Cap Growth ETF
SCHG
$65.3B
| $7.91M | 0.02% |
242,522
+11,204
| +5% | +$364K |
2021 Q4
16 quarters
|
|
144
Avantis US Equity ETF
AVUS
$14.7B
| $7.84M | 0.01% |
70,160
+1,235
| +2% | +$136K |
2022 Q4
12 quarters
|
|
145
Dimensional Global Core Plus Fixed Income ETF
DFGP
$3.58B
| $7.67M | 0.01% |
141,867
+18,619
| +15% | +$1.02M |
2024 Q2
6 quarters
|
|
146
Dimensional Emerging Markets Value ETF
DFEV
$2.18B
| $7.58M | 0.01% |
224,775
+5,265
| +2% | +$174K |
2023 Q1
11 quarters
|
|
147
WisdomTree Emerging Markets ex-State-Owned Enterprises Fund
XSOE
$2.07B
| $7.32M | 0.01% |
187,586
-2,521
| -1% | -$97.4K |
2021 Q4
16 quarters
|
|
148
Vanguard Total World Stock ETF
VT
$81.6B
| $7.28M | 0.01% |
51,615
+18,888
| +58% | +$2.64M |
2020 Q4
20 quarters
|
|
149
Vanguard Real Estate ETF
VNQ
$35.8B
| $7.17M | 0.01% |
80,987
+1,749
| +2% | +$157K |
2015 Q4
40 quarters
|
|
150
iShares Floating Rate Bond ETF
FLOT
$11.1B
| $7.06M | 0.01% |
138,822
-70,798
| -34% | -$3.61M |
2017 Q3
33 quarters
|
|
Similar funds
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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.