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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 | |
|---|---|---|---|---|---|---|---|
151
iShares Future Exponential Technologies ETF
XT
$4.07B
| $6.93M | 0.01% |
99,355
+2,366
| +2% | +$173K |
2023 Q4
8 quarters
|
|
152
BlackRock Short Maturity Municipal Bond ETF
MEAR
$1.47B
| $6.73M | 0.01% |
133,731
-14,356
| -10% | -$723K |
2024 Q3
5 quarters
|
|
153
iShares Russell Top 200 Growth ETF
IWY
$16.7B
| $6.05M | 0.01% |
21,861
-729
| -3% | -$202K |
2022 Q4
12 quarters
|
|
154
Vanguard Morningstar Small-Cap Growth ETF
VBK
$23.4B
| $5.86M | 0.01% |
19,384
+1,939
| +11% | +$585K |
2017 Q3
33 quarters
|
|
155
iShares MSCI Japan ETF
EWJ
$23.9B
| $5.82M | 0.01% |
72,085
+4,020
| +6% | +$330K |
2024 Q3
5 quarters
|
|
156
Goldman Sachs Access Ultra Short Bond ETF
GSST
$1.65B
| $5.45M | 0.01% |
108,056
+19,977
| +23% | +$1.01M |
2024 Q3
5 quarters
|
|
157
iShares MBS ETF
MBB
$35.6B
| $5.43M | 0.01% |
57,082
+1,043
| +2% | +$99.5K |
2016 Q2
38 quarters
|
|
158
iShares S&P Mid-Cap 400 Value ETF
IJJ
$8.49B
| $5.43M | 0.01% |
41,298
-501
| -1% | -$65.2K |
2014 Q4
44 quarters
|
|
159
Fidelity Total Bond ETF
FBND
$28B
| $5.37M | 0.01% |
116,703
+11,721
| +11% | +$544K |
2024 Q1
7 quarters
|
|
160
JPMorgan Core Plus Bond ETF
JCPB
$15.3B
| $5.1M | 0.01% |
107,641
+10,206
| +10% | +$486K |
2024 Q1
7 quarters
|
|
161
SPDR Gold Trust
GLD
$142B
| $5.01M | 0.01% |
12,655
+3,845
| +44% | +$1.47M |
2023 Q2
10 quarters
|
|
162
State Street SPDR MSCI USA Gender Diversity ETF
SHE
$334M
| $5.01M | 0.01% |
37,944
+278
| +0.7% | +$36.1K |
2020 Q4
20 quarters
|
|
163
VanEck Morningstar Wide Moat ETF
MOAT
$11.6B
| $4.97M | 0.01% |
47,991
+8,037
| +20% | +$821K |
2023 Q3
9 quarters
|
|
164
Vanguard Short-Term Treasury ETF
VGSH
$34.5B
| $4.92M | 0.01% |
83,775
+1,890
| +2% | +$111K |
2021 Q2
18 quarters
|
|
165
Dimensional International Core Fixed Income ETF
DFGX
$1.8B
| $4.9M | 0.01% |
93,159
+5,045
| +6% | +$272K |
2024 Q1
7 quarters
|
|
166
iShares Core S&P Small-Cap ETF
IJR
$104B
| $4.9M | 0.01% |
40,797
+834
| +2% | +$99.7K |
2021 Q4
16 quarters
|
|
167
Dimensional International Value ETF
DFIV
$21.5B
| $4.87M | 0.01% |
97,520
-8,446
| -8% | -$401K |
2022 Q4
12 quarters
|
|
168
Dimensional International Sustainability Core 1 ETF
DFSI
$1.16B
| $4.87M | 0.01% |
113,552
+18,470
| +19% | +$769K |
2024 Q2
6 quarters
|
|
169
Dimensional Ultrashort Fixed Income ETF
DUSB
$2.31B
| $4.71M | 0.01% |
92,985
+17,947
| +24% | +$911K |
2024 Q3
5 quarters
|
|
170
Janus Henderson Short Duration Income ETF
VNLA
$3.48B
| $4.62M | 0.01% |
93,994
+3,172
| +3% | +$156K |
2024 Q3
5 quarters
|
|
171
Capital Group Dividend Value ETF
CGDV
$39B
| $4.62M | 0.01% |
105,785
-12,714
| -11% | -$546K |
2023 Q4
8 quarters
|
|
172
State Street SPDR Portfolio S&P 500 Growth ETF
SPYG
$57.8B
| $4.6M | 0.01% |
43,102
-1,301
| -3% | -$138K |
2021 Q3
17 quarters
|
|
173
Schwab US Dividend Equity ETF
SCHD
$110B
| $4.21M | 0.01% |
153,306
+47,638
| +45% | +$1.3M |
2022 Q4
12 quarters
|
|
174
Invesco S&P 500 Momentum ETF
SPMO
$23B
| $4.16M | 0.01% |
34,851
+8,242
| +31% | +$988K |
2023 Q1
11 quarters
|
|
175
Vanguard US Momentum Factor ETF
VFMO
$1.94B
| $3.98M | 0.01% |
20,783
+115
| +0.6% | +$22.1K |
2025 Q1
3 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.