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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 | |
|---|---|---|---|---|---|---|---|
176
Bitwise Ethereum ETF
ETHW
$263M
| $3.69M | 0.01% |
123,639
-2,415
| -2% | -$67.9K |
2024 Q3
4 quarters
|
|
177
Schwab Emerging Markets Equity ETF
SCHE
$12.9B
| $3.63M | 0.01% |
108,873
+3,278
| +3% | +$103K |
2016 Q4
35 quarters
|
|
178
WisdomTree US LargeCap Fund
EPS
$1.69B
| $3.53M | 0.01% |
51,230
-1,545
| -3% | -$103K |
2021 Q4
15 quarters
|
|
179
Microsoft
MSFT
$3.97T
| $3.51M | 0.01% |
6,782
+544
| +9% | +$278K |
2024 Q1
6 quarters
|
|
180
Dimensional Global Real Estate ETF
DFGR
$3.68B
| $3.49M | 0.01% |
127,922
+15,061
| +13% | +$408K |
2023 Q4
7 quarters
|
|
181
iShares Core S&P Mid-Cap ETF
IJH
$123B
| $3.45M | 0.01% |
52,886
+4,555
| +9% | +$293K |
2021 Q4
15 quarters
|
|
182
First Trust Rising Dividend Achievers ETF
RDVY
$25.3B
| $3.45M | 0.01% |
51,312
+2,837
| +6% | +$184K |
2021 Q4
15 quarters
|
|
183
State Street SPDR Portfolio Long Term Treasury ETF
SPTL
$10.9B
| $3.31M | 0.01% |
122,802
-7,140
| -5% | -$189K |
2021 Q2
17 quarters
|
|
184
VanEck Fallen Angel High Yield Bond ETF
ANGL
$3.02B
| $3.25M | 0.01% |
109,229
+5,673
| +5% | +$166K |
2021 Q2
17 quarters
|
|
185
BlackRock Flexible Income ETF
BINC
$16.5B
| $3.23M | 0.01% |
60,704
+1,968
| +3% | +$104K |
2025 Q2
1 quarter
|
|
186
Invesco S&P 500 Momentum ETF
SPMO
$23B
| $3.22M | 0.01% |
26,609
+5,263
| +25% | +$613K |
2023 Q1
10 quarters
|
|
187
Vanguard S&P Small-Cap 600 ETF
VIOO
$4.04B
| $3.22M | 0.01% |
29,149
+830
| +3% | +$88.5K |
2019 Q4
23 quarters
|
|
188
Vanguard Ultra-Short Bond ETF
VUSB
$10.1B
| $3.19M | 0.01% |
63,777
-46,275
| -42% | -$2.31M |
2022 Q4
11 quarters
|
|
189
Vanguard Intermediate-Term Treasury ETF
VGIT
$38.8B
| $3.18M | 0.01% |
52,927
+3,050
| +6% | +$182K |
2022 Q1
14 quarters
|
|
190
State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF
SPTM
$14.3B
| $3.17M | 0.01% |
39,334
-1,551
| -4% | -$121K |
2023 Q3
8 quarters
|
|
191
SPDR Gold Trust
GLD
$142B
| $3.13M | 0.01% |
8,810
+2,343
| +36% | +$747K |
2023 Q2
9 quarters
|
|
192
iShares Russell 1000 Growth ETF
IWF
$130B
| $3.1M | 0.01% |
26,444
-1,836
| -6% | -$204K |
2023 Q2
9 quarters
|
|
193
iShares MSCI Intl Momentum Factor ETF
IMTM
$4.25B
| $3.07M | 0.01% |
64,134
+813
| +1% | +$37.6K |
2021 Q3
16 quarters
|
|
194
Pacer US Cash Cows 100 ETF
COWZ
$19.1B
| $3.04M | 0.01% |
52,819
+1,438
| +3% | +$81.7K |
2022 Q1
14 quarters
|
|
195
First Trust Smith Opportunistic Fixed Income ETF
FIXD
$2.88B
| $3.02M | 0.01% |
67,888
-6,544
| -9% | -$288K |
2021 Q2
17 quarters
|
|
196
VanEck Green Bond ETF
GRNB
$192M
| $2.9M | 0.01% |
+118,819
| New | +$2.89M |
2025 Q3
0 quarters
|
|
197
Schwab US Dividend Equity ETF
SCHD
$110B
| $2.88M | 0.01% |
105,668
-11,660
| -10% | -$318K |
2022 Q4
11 quarters
|
|
198
BlackRock US Equity Factor Rotation ETF
DYNF
$42.8B
| $2.84M | 0.01% |
47,903
-298
| -0.6% | -$16.9K |
2024 Q2
5 quarters
|
|
199
Calamos Bitcoin 80 Series Structured Alt Protection ETF - January
CBTJ
$26.6M
| $2.78M | 0.01% |
97,147
+17,413
| +22% | +$495K |
2025 Q1
2 quarters
|
|
200
Dimensional International Small Cap ETF
DFIS
$5.76B
| $2.76M | 0.01% |
87,121
+1,765
| +2% | +$54.2K |
2023 Q1
10 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.