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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 | |
|---|---|---|---|---|---|---|---|
201
Strive 500 ETF
STXF
$1.19B
| $2.75M | 0.01% |
63,557
-441
| -0.7% | -$18.3K |
2024 Q3
4 quarters
|
|
202
Vanguard Extended Market ETF
VXF
$30.6B
| $2.68M | 0.01% |
12,783
-53
| -0.4% | -$10.7K |
2021 Q3
16 quarters
|
|
203
Cambria Chesapeake Pure Trend ETF
MFUT
$73.3M
| $2.56M | 0.01% |
164,711
+13,894
| +9% | +$208K |
2025 Q2
1 quarter
|
|
204
Vanguard Intermediate-Term Corporate Bond ETF
VCIT
$67.7B
| $2.48M | ﹤0.01% |
29,465
-83
| -0.3% | -$6.9K |
2014 Q4
43 quarters
|
|
205
Cambria Value and Momentum ETF
VAMO
$85.6M
| $2.47M | ﹤0.01% |
73,895
-542
| -0.7% | -$17.2K |
2016 Q3
36 quarters
|
|
206
Vanguard Information Technology ETF
VGT
$157B
| $2.45M | ﹤0.01% |
26,208
+3,992
| +18% | +$349K |
2024 Q4
3 quarters
|
|
207
Capital Group Short Duration Municipal Income ETF
CGSM
$1.6B
| $2.44M | ﹤0.01% |
92,717
-25,845
| -22% | -$679K |
2024 Q4
3 quarters
|
|
208
Capital Group Dividend Growers ETF
CGDG
$5.66B
| $2.43M | ﹤0.01% |
70,106
+36,502
| +109% | +$1.24M |
2025 Q2
1 quarter
|
|
209
iShares Short Maturity Bond ETF
NEAR
$5.12B
| $2.38M | ﹤0.01% |
46,475
-379
| -0.8% | -$19.4K |
2018 Q3
28 quarters
|
|
210
Vanguard FTSE All-World ex-US ETF
VEU
$68.3B
| $2.37M | ﹤0.01% |
33,262
-422
| -1% | -$29.1K |
2021 Q3
16 quarters
|
|
211
Cambria Global Value ETF
GVAL
$582M
| $2.31M | ﹤0.01% |
79,190
-2,037
| -3% | -$57.9K |
2016 Q3
36 quarters
|
|
212
Dimensional Global Sustainability Fixed Income ETF
DFSB
$747M
| $2.25M | ﹤0.01% |
42,198
+12,836
| +44% | +$676K |
2024 Q2
5 quarters
|
|
213
NVIDIA
NVDA
$5.54T
| $2.25M | ﹤0.01% |
12,035
-194
| -2% | -$33.8K |
2024 Q2
5 quarters
|
|
214
SGI US Large Cap Core ETF
SGLC
$219M
| $2.23M | ﹤0.01% |
60,557
+4,549
| +8% | +$161K |
2024 Q1
6 quarters
|
|
215
Invesco Emerging Markets Sovereign Debt ETF
PCY
$1.17B
| $2.19M | ﹤0.01% |
101,665
-16,332
| -14% | -$341K |
2015 Q4
39 quarters
|
|
216
iShares 3-7 Year Treasury Bond ETF
IEI
$16.9B
| $2.12M | ﹤0.01% |
17,747
+10,246
| +137% | +$1.22M |
2022 Q4
11 quarters
|
|
217
iShares ESG Advanced Universal USD Bond ETF
EUSB
$695M
| $2.09M | ﹤0.01% |
47,673
+12,403
| +35% | +$540K |
2021 Q2
17 quarters
|
|
218
iShares Core MSCI Total International Stock ETF
IXUS
$58.7B
| $2.09M | ﹤0.01% |
25,359
+1,435
| +6% | +$114K |
2021 Q3
16 quarters
|
|
219
iShares Morningstar Mid-Cap Growth ETF
IMCG
$4.15B
| $2.09M | ﹤0.01% |
25,273
+758
| +3% | +$61.8K |
2023 Q4
7 quarters
|
|
220
Avantis All Equity Markets ETF
AVGE
$1.23B
| $2.07M | ﹤0.01% |
24,799
+27
| +0.1% | +$2.17K |
2024 Q2
5 quarters
|
|
221
iShares MSCI Intl Quality Factor ETF
IQLT
$13.7B
| $2.06M | ﹤0.01% |
46,739
+573
| +1% | +$24.7K |
2021 Q3
16 quarters
|
|
222
Avantis Emerging Markets Equity ETF
AVEM
$28.4B
| $2.06M | ﹤0.01% |
27,468
+1,796
| +7% | +$128K |
2024 Q2
5 quarters
|
|
223
iShares International Treasury Bond ETF
IGOV
$1.3B
| $2.06M | ﹤0.01% |
48,404
+30,480
| +170% | +$1.29M |
2025 Q2
1 quarter
|
|
224
iShares MSCI USA Quality Factor ETF
QUAL
$48.8B
| $2M | ﹤0.01% |
10,288
-129
| -1% | -$24.2K |
2021 Q3
16 quarters
|
|
225
iShares Intermediate Government/Credit Bond ETF
GVI
$3.74B
| $1.97M | ﹤0.01% |
18,360
-75
| -0.4% | -$8.01K |
2021 Q1
18 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.