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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
+8.07%
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
$47B
AUM Growth
+$4.81B
(+11%)
Cap. Flow
+$1.4B
Cap. Flow
% of AUM
2.99%
Top 10 Holdings %
Top 10 Hldgs %
68.55%
Holding
510
New
52
Increased
262
Reduced
178
Closed
13
Avg Time Held
12
quarters
Top 10 Avg Time Held
25.6
quarters
Top 20 Avg Time Held
24.1
quarters
Top Buys
| Rank | Stock | Value |
|---|---|---|
| 1 |
SPYM
State Street SPDR Portfolio S&P 500 ETF
SPYM
|
+$606M |
| 2 |
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
|
+$175M |
| 3 |
Schwab US Large- Cap ETF
SCHX
|
+$125M |
| 4 |
iShares Core US Aggregate Bond ETF
AGG
|
+$117M |
| 5 |
JPMorgan Ultra-Short Income ETF
JPST
|
+$106M |
Top Sells
| Rank | Stock | Value |
|---|---|---|
| 1 |
Vanguard FTSE Emerging Markets ETF
VWO
|
+$150M |
| 2 |
iShares Core MSCI Emerging Markets ETF
IEMG
|
+$60.5M |
| 3 |
Goldman Sachs ActiveBeta International Equity ETF
GSIE
|
+$59.9M |
| 4 |
iShares Core MSCI EAFE ETF
IEFA
|
+$43.2M |
| 5 |
Vanguard Total International Bond ETF
BNDX
|
+$41.2M |
Sector Composition
| Rank | Sector | Weight |
|---|---|---|
| 1 | Miscellaneous | 99.94% |
| 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 | |
|---|---|---|---|---|---|---|---|
151
Vanguard Ultra-Short Bond ETF
VUSB
$10.1B
| $5.49M | 0.01% |
110,052
-158,108
| -59% | -$7.86M |
2022 Q4
10 quarters
|
|
152
iShares S&P Mid-Cap 400 Value ETF
IJJ
$8.49B
| $5.48M | 0.01% |
44,308
+17,996
| +68% | +$2.12M |
2014 Q4
42 quarters
|
|
153
iShares MBS ETF
MBB
$35.6B
| $5.35M | 0.01% |
57,017
+10,658
| +23% | +$988K |
2016 Q2
36 quarters
|
|
154
Vanguard Short-Term Treasury ETF
VGSH
$34.5B
| $5.2M | 0.01% |
88,449
+5,097
| +6% | +$299K |
2021 Q2
16 quarters
|
|
155
VanEck High Yield Muni ETF
HYD
$3.91B
| $5.15M | 0.01% |
102,641
+45,695
| +80% | +$2.28M |
2016 Q2
36 quarters
|
|
156
Schwab US Mid-Cap ETF
SCHM
$14.6B
| $5.15M | 0.01% |
183,608
+26,469
| +17% | +$698K |
2023 Q2
8 quarters
|
|
157
iShares MSCI Japan ETF
EWJ
$23.9B
| $4.75M | 0.01% |
63,362
+10,175
| +19% | +$724K |
2024 Q3
3 quarters
|
|
158
Vanguard Morningstar Small-Cap Growth ETF
VBK
$23.4B
| $4.74M | 0.01% |
17,111
+518
| +3% | +$133K |
2017 Q3
31 quarters
|
|
159
State Street SPDR MSCI USA Gender Diversity ETF
SHE
$334M
| $4.66M | 0.01% |
37,319
+556
| +2% | +$64.7K |
2020 Q4
18 quarters
|
|
160
Dimensional International Value ETF
DFIV
$21.5B
| $4.64M | 0.01% |
108,376
+4,363
| +4% | +$178K |
2022 Q4
10 quarters
|
|
161
Fidelity Total Bond ETF
FBND
$28B
| $4.46M | 0.01% |
97,501
+2,597
| +3% | +$118K |
2024 Q1
5 quarters
|
|
162
iShares Core S&P Small-Cap ETF
IJR
$104B
| $4.43M | 0.01% |
40,584
-10,102
| -20% | -$1.04M |
2021 Q4
14 quarters
|
|
163
Bitwise Bitcoin ETF
BITB
$3.04B
| $4.37M | 0.01% |
74,547
-17,084
| -19% | -$917K |
2024 Q1
5 quarters
|
|
164
State Street SPDR Portfolio S&P 500 Growth ETF
SPYG
$57.8B
| $4.36M | 0.01% |
45,690
+10,496
| +30% | +$900K |
2021 Q3
15 quarters
|
|
165
Dimensional International Core Fixed Income ETF
DFGX
$1.8B
| $4.27M | 0.01% |
79,983
+4,268
| +6% | +$225K |
2024 Q1
5 quarters
|
|
166
Goldman Sachs Access Ultra Short Bond ETF
GSST
$1.65B
| $4.27M | 0.01% |
84,367
+19,033
| +29% | +$959K |
2024 Q3
3 quarters
|
|
167
Janus Henderson Short Duration Income ETF
VNLA
$3.48B
| $4.16M | 0.01% |
84,617
+7,175
| +9% | +$351K |
2024 Q3
3 quarters
|
|
168
JPMorgan Core Plus Bond ETF
JCPB
$15.3B
| $3.98M | 0.01% |
84,519
+23,086
| +38% | +$1.07M |
2024 Q1
5 quarters
|
|
169
VanEck Morningstar Wide Moat ETF
MOAT
$11.6B
| $3.96M | 0.01% |
42,205
-35,877
| -46% | -$3.15M |
2023 Q3
7 quarters
|
|
170
Vanguard Short-Term Corporate Bond ETF
VCSH
$44.2B
| $3.63M | 0.01% |
45,725
-937
| -2% | -$73.8K |
2021 Q2
16 quarters
|
|
171
Vanguard US Momentum Factor ETF
VFMO
$1.94B
| $3.51M | 0.01% |
20,344
-655
| -3% | -$103K |
2025 Q1
1 quarter
|
|
172
State Street SPDR Portfolio Long Term Treasury ETF
SPTL
$10.9B
| $3.45M | 0.01% |
129,942
-8,524
| -6% | -$224K |
2021 Q2
16 quarters
|
|
173
WisdomTree US LargeCap Fund
EPS
$1.69B
| $3.38M | 0.01% |
52,775
+1,632
| +3% | +$97.4K |
2021 Q4
14 quarters
|
|
174
First Trust Smith Opportunistic Fixed Income ETF
FIXD
$2.88B
| $3.27M | 0.01% |
74,432
+2,468
| +3% | +$107K |
2021 Q2
16 quarters
|
|
175
Schwab Emerging Markets Equity ETF
SCHE
$12.9B
| $3.18M | 0.01% |
105,595
+16,052
| +18% | +$455K |
2016 Q4
34 quarters
|
|
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Betterment LLC's Q2 2025 Portfolio in Review
As of Q2 2025, Betterment LLC held 510 positions worth $47B, up 11% from $42.2B the previous quarter. Its ten largest holdings account for 69% of the portfolio.
Betterment LLC's Q2 2025 filing shows 52 new, 262 increased, 178 reduced and 13 closed positions. Its largest new stake was Goldman Sachs Municipal Income ETF: 530,048 shares worth $26.5M. The largest sale was Vanguard FTSE Emerging Markets ETF, an estimated $150M.
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 Q2 2025 buy was Goldman Sachs Municipal Income ETF: 530,048 shares worth $26.5M.
- Betterment LLC added most to State Street SPDR Portfolio S&P 500 ETF in Q2 2025, an estimated $606M increase.
- Betterment LLC's biggest Q2 2025 reduction was Vanguard FTSE Emerging Markets ETF, cutting an estimated $150M.
- Betterment LLC fully exited SGI Enhanced Global Income ETF in Q2 2025, selling an estimated $1.47M.
- Betterment LLC's ten largest holdings make up 69% of its $47B portfolio in Q2 2025.
- Betterment LLC opened 52 new positions and closed 13 in Q2 2025.
- Betterment LLC's portfolio value rose 11% quarter-over-quarter to $47B.
Based on Betterment LLC's 13F filing for Q2 2025, filed 14 Aug 2025.