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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 | |
|---|---|---|---|---|---|---|---|
176
Vanguard Short-Term Corporate Bond ETF
VCSH
$44.2B
| $3.93M | 0.01% |
49,265
+1,262
| +3% | +$101K |
2021 Q2
18 quarters
|
|
177
Microsoft
MSFT
$3.97T
| $3.93M | 0.01% |
8,117
+1,335
| +20% | +$669K |
2024 Q1
7 quarters
|
|
178
Vanguard High Dividend Yield ETF
VYM
$80.5B
| $3.88M | 0.01% |
27,042
+848
| +3% | +$121K |
2016 Q2
38 quarters
|
|
179
iShares Core S&P Mid-Cap ETF
IJH
$123B
| $3.76M | 0.01% |
56,988
+4,102
| +8% | +$269K |
2021 Q4
16 quarters
|
|
180
Bitwise Bitcoin ETF
BITB
$3.04B
| $3.75M | 0.01% |
78,856
+1,841
| +2% | +$100K |
2024 Q1
7 quarters
|
|
181
Dimensional Global Real Estate ETF
DFGR
$3.68B
| $3.72M | 0.01% |
140,863
+12,941
| +10% | +$349K |
2023 Q4
8 quarters
|
|
182
Vanguard Intermediate-Term Treasury ETF
VGIT
$39.7B
| $3.64M | 0.01% |
60,745
+7,818
| +15% | +$470K |
2022 Q1
15 quarters
|
|
183
NVIDIA
NVDA
$5.54T
| $3.63M | 0.01% |
19,449
+7,414
| +62% | +$1.38M |
2024 Q2
6 quarters
|
|
184
First Trust Rising Dividend Achievers ETF
RDVY
$25.3B
| $3.62M | 0.01% |
52,054
+742
| +1% | +$50.4K |
2021 Q4
16 quarters
|
|
185
Schwab Emerging Markets Equity ETF
SCHE
$12.9B
| $3.45M | 0.01% |
105,449
-3,424
| -3% | -$114K |
2016 Q4
36 quarters
|
|
186
Alphabet (Google) Class C
GOOG
$4.25T
| $3.44M | 0.01% |
10,957
+4,060
| +59% | +$1.16M |
2024 Q1
7 quarters
|
|
187
Vanguard S&P Small-Cap 600 ETF
VIOO
$4.04B
| $3.43M | 0.01% |
30,931
+1,782
| +6% | +$198K |
2019 Q4
24 quarters
|
|
188
WisdomTree US LargeCap Fund
EPS
$1.69B
| $3.42M | 0.01% |
48,226
-3,004
| -6% | -$210K |
2021 Q4
16 quarters
|
|
189
VanEck Fallen Angel High Yield Bond ETF
ANGL
$3.02B
| $3.36M | 0.01% |
114,256
+5,027
| +5% | +$148K |
2021 Q2
18 quarters
|
|
190
State Street SPDR Portfolio Long Term Treasury ETF
SPTL
$10.9B
| $3.34M | 0.01% |
126,019
+3,217
| +3% | +$86.8K |
2021 Q2
18 quarters
|
|
191
Pacer US Cash Cows 100 ETF
COWZ
$19.1B
| $3.23M | 0.01% |
53,594
+775
| +1% | +$45.6K |
2022 Q1
15 quarters
|
|
192
State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF
SPTM
$14.3B
| $3.19M | 0.01% |
38,602
-732
| -2% | -$59.9K |
2023 Q3
9 quarters
|
|
193
First Trust Smith Opportunistic Fixed Income ETF
FIXD
$2.88B
| $3.17M | 0.01% |
71,637
+3,749
| +6% | +$167K |
2021 Q2
18 quarters
|
|
194
Schwab US Mid-Cap ETF
SCHM
$14.6B
| $3.15M | 0.01% |
104,700
-35,991
| -26% | -$1.07M |
2023 Q2
10 quarters
|
|
195
iShares MSCI Intl Momentum Factor ETF
IMTM
$4.25B
| $3.12M | 0.01% |
64,964
+830
| +1% | +$39.8K |
2021 Q3
17 quarters
|
|
196
BlackRock US Equity Factor Rotation ETF
DYNF
$42.8B
| $3.05M | 0.01% |
50,131
+2,228
| +5% | +$134K |
2024 Q2
6 quarters
|
|
197
Dimensional International Small Cap ETF
DFIS
$5.76B
| $3.03M | 0.01% |
91,951
+4,830
| +6% | +$154K |
2023 Q1
11 quarters
|
|
198
Vanguard Information Technology ETF
VGT
$157B
| $3.01M | 0.01% |
31,976
+5,768
| +22% | +$548K |
2024 Q4
4 quarters
|
|
199
Capital Group Dividend Growers ETF
CGDG
$5.66B
| $2.98M | 0.01% |
83,711
+13,605
| +19% | +$479K |
2025 Q2
2 quarters
|
|
200
VanEck Green Bond ETF
GRNB
$192M
| $2.92M | 0.01% |
120,117
+1,298
| +1% | +$31.7K |
2025 Q3
1 quarter
|
|
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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.