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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 | |
|---|---|---|---|---|---|---|---|
151
iShares MSCI Japan ETF
EWJ
$23.9B
| $5.46M | 0.01% |
68,065
+4,703
| +7% | +$364K |
2024 Q3
4 quarters
|
|
152
iShares S&P Mid-Cap 400 Value ETF
IJJ
$8.49B
| $5.42M | 0.01% |
41,799
-2,509
| -6% | -$321K |
2014 Q4
43 quarters
|
|
153
iShares MBS ETF
MBB
$35.6B
| $5.33M | 0.01% |
56,039
-978
| -2% | -$91.9K |
2016 Q2
37 quarters
|
|
154
Vanguard Morningstar Small-Cap Growth ETF
VBK
$23.4B
| $5.19M | 0.01% |
17,445
+334
| +2% | +$96.4K |
2017 Q3
32 quarters
|
|
155
Capital Group Dividend Value ETF
CGDV
$39B
| $4.98M | 0.01% |
118,499
-22,564
| -16% | -$927K |
2023 Q4
7 quarters
|
|
156
iShares Core Universal USD Bond ETF
IUSB
$48.2B
| $4.95M | 0.01% |
105,991
+69,562
| +191% | +$3.22M |
2021 Q4
15 quarters
|
|
157
Dimensional International Value ETF
DFIV
$21.5B
| $4.89M | 0.01% |
105,966
-2,410
| -2% | -$108K |
2022 Q4
11 quarters
|
|
158
Fidelity Total Bond ETF
FBND
$28B
| $4.85M | 0.01% |
104,982
+7,481
| +8% | +$343K |
2024 Q1
6 quarters
|
|
159
Vanguard Short-Term Treasury ETF
VGSH
$34.5B
| $4.82M | 0.01% |
81,885
-6,564
| -7% | -$385K |
2021 Q2
17 quarters
|
|
160
State Street SPDR MSCI USA Gender Diversity ETF
SHE
$334M
| $4.8M | 0.01% |
37,666
+347
| +0.9% | +$43.5K |
2020 Q4
19 quarters
|
|
161
Bitwise Bitcoin ETF
BITB
$3.04B
| $4.79M | 0.01% |
77,015
+2,468
| +3% | +$154K |
2024 Q1
6 quarters
|
|
162
Dimensional International Core Fixed Income ETF
DFGX
$1.8B
| $4.75M | 0.01% |
88,114
+8,131
| +10% | +$435K |
2024 Q1
6 quarters
|
|
163
iShares Core S&P Small-Cap ETF
IJR
$104B
| $4.75M | 0.01% |
39,963
-621
| -2% | -$71.4K |
2021 Q4
15 quarters
|
|
164
State Street SPDR Portfolio S&P 500 Growth ETF
SPYG
$57.8B
| $4.64M | 0.01% |
44,403
-1,287
| -3% | -$128K |
2021 Q3
16 quarters
|
|
165
JPMorgan Core Plus Bond ETF
JCPB
$15.3B
| $4.63M | 0.01% |
97,435
+12,916
| +15% | +$608K |
2024 Q1
6 quarters
|
|
166
Vanguard Total World Stock ETF
VT
$81.6B
| $4.51M | 0.01% |
32,727
+12,895
| +65% | +$1.71M |
2020 Q4
19 quarters
|
|
167
Janus Henderson Short Duration Income ETF
VNLA
$3.48B
| $4.48M | 0.01% |
90,822
+6,205
| +7% | +$305K |
2024 Q3
4 quarters
|
|
168
Goldman Sachs Access Ultra Short Bond ETF
GSST
$1.65B
| $4.47M | 0.01% |
88,079
+3,712
| +4% | +$188K |
2024 Q3
4 quarters
|
|
169
Schwab US Mid-Cap ETF
SCHM
$14.6B
| $4.17M | 0.01% |
140,691
-42,917
| -23% | -$1.25M |
2023 Q2
9 quarters
|
|
170
VanEck Morningstar Wide Moat ETF
MOAT
$11.6B
| $3.96M | 0.01% |
39,954
-2,251
| -5% | -$220K |
2023 Q3
8 quarters
|
|
171
Vanguard US Momentum Factor ETF
VFMO
$1.94B
| $3.96M | 0.01% |
20,668
+324
| +2% | +$58.2K |
2025 Q1
2 quarters
|
|
172
Dimensional International Sustainability Core 1 ETF
DFSI
$1.16B
| $3.89M | 0.01% |
95,082
+31,107
| +49% | +$1.25M |
2024 Q2
5 quarters
|
|
173
Vanguard Short-Term Corporate Bond ETF
VCSH
$44.2B
| $3.84M | 0.01% |
48,003
+2,278
| +5% | +$181K |
2021 Q2
17 quarters
|
|
174
Dimensional Ultrashort Fixed Income ETF
DUSB
$2.31B
| $3.81M | 0.01% |
75,038
+39,277
| +110% | +$1.99M |
2024 Q3
4 quarters
|
|
175
Vanguard High Dividend Yield ETF
VYM
$80.5B
| $3.69M | 0.01% |
26,194
+2,361
| +10% | +$324K |
2016 Q2
37 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.