We are live on
!
Find out more
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 | |
|---|---|---|---|---|---|---|---|
201
iShares MSCI USA Quality Factor ETF
QUAL
$48.8B
| $2.89M | 0.01% |
14,554
+4,266
| +41% | +$838K |
2021 Q3
17 quarters
|
|
202
Dimensional Global Sustainability Fixed Income ETF
DFSB
$747M
| $2.86M | 0.01% |
55,176
+12,978
| +31% | +$685K |
2024 Q2
6 quarters
|
|
203
Vanguard Ultra-Short Bond ETF
VUSB
$10.1B
| $2.86M | 0.01% |
57,314
-6,463
| -10% | -$322K |
2022 Q4
12 quarters
|
|
204
Amazon
AMZN
$2.83T
| $2.84M | 0.01% |
12,295
+5,791
| +89% | +$1.32M |
2024 Q1
7 quarters
|
|
205
Strive 500 ETF
STXF
$1.19B
| $2.74M | 0.01% |
62,195
-1,362
| -2% | -$59.6K |
2024 Q3
5 quarters
|
|
206
Vanguard Extended Market ETF
VXF
$30.6B
| $2.73M | 0.01% |
13,031
+248
| +2% | +$52.1K |
2021 Q3
17 quarters
|
|
207
iShares Russell 1000 Growth ETF
IWF
$130B
| $2.71M | 0.01% |
22,880
-3,564
| -13% | -$422K |
2023 Q2
10 quarters
|
|
208
Cambria Chesapeake Pure Trend ETF
MFUT
$73.3M
| $2.65M | 0.01% |
161,795
-2,916
| -2% | -$46.2K |
2025 Q2
2 quarters
|
|
209
Bitwise Ethereum ETF
ETHW
$263M
| $2.65M | 0.01% |
124,386
+747
| +0.6% | +$18.5K |
2024 Q3
5 quarters
|
|
210
SGI US Large Cap Core ETF
SGLC
$219M
| $2.56M | ﹤0.01% |
66,623
+6,066
| +10% | +$227K |
2024 Q1
7 quarters
|
|
211
Vanguard Intermediate-Term Corporate Bond ETF
VCIT
$67.7B
| $2.54M | ﹤0.01% |
30,356
+891
| +3% | +$74.9K |
2014 Q4
44 quarters
|
|
212
iShares International Treasury Bond ETF
IGOV
$1.3B
| $2.51M | ﹤0.01% |
60,265
+11,861
| +25% | +$500K |
2025 Q2
2 quarters
|
|
213
Avantis All Equity Markets ETF
AVGE
$1.23B
| $2.48M | ﹤0.01% |
28,905
+4,106
| +17% | +$347K |
2024 Q2
6 quarters
|
|
214
Capital Group Short Duration Municipal Income ETF
CGSM
$1.6B
| $2.48M | ﹤0.01% |
94,005
+1,288
| +1% | +$34K |
2024 Q4
4 quarters
|
|
215
Cambria Value and Momentum ETF
VAMO
$85.6M
| $2.45M | ﹤0.01% |
71,647
-2,248
| -3% | -$75.2K |
2016 Q3
37 quarters
|
|
216
Vanguard FTSE All-World ex-US ETF
VEU
$68.3B
| $2.43M | ﹤0.01% |
33,043
-219
| -0.7% | -$15.9K |
2021 Q3
17 quarters
|
|
217
Cambria Global Value ETF
GVAL
$582M
| $2.42M | ﹤0.01% |
77,054
-2,136
| -3% | -$64.9K |
2016 Q3
37 quarters
|
|
218
F/m US Treasury 3 Month Bill Fund
TBIL
$7.44B
| $2.36M | ﹤0.01% |
47,364
+21,515
| +83% | +$1.07M |
2024 Q2
6 quarters
|
|
219
Goldman Sachs Ultra Short Municipal Income ETF
GUMI
$60.1M
| $2.35M | ﹤0.01% |
46,690
+12,736
| +38% | +$640K |
2025 Q3
1 quarter
|
|
220
iShares Core MSCI Total International Stock ETF
IXUS
$58.7B
| $2.32M | ﹤0.01% |
27,446
+2,087
| +8% | +$175K |
2021 Q3
17 quarters
|
|
221
Alphabet (Google) Class A
GOOGL
$4.3T
| $2.3M | ﹤0.01% |
7,337
+2,597
| +55% | +$742K |
2024 Q3
5 quarters
|
|
222
iShares Short Maturity Bond ETF
NEAR
$5.12B
| $2.28M | ﹤0.01% |
44,699
-1,776
| -4% | -$90.9K |
2018 Q3
29 quarters
|
|
223
iShares 3-7 Year Treasury Bond ETF
IEI
$16.9B
| $2.28M | ﹤0.01% |
19,105
+1,358
| +8% | +$163K |
2022 Q4
12 quarters
|
|
224
Fidelity Enhanced Large Cap Core ETF
FELC
$8.78B
| $2.25M | ﹤0.01% |
58,807
+6,426
| +12% | +$242K |
2025 Q1
3 quarters
|
|
225
First Trust Exchange-Traded Fund IV First Trust High Income Strategic Focus ETF
HISF
$95.7M
| $2.2M | ﹤0.01% |
48,680
+6,306
| +15% | +$285K |
2025 Q3
1 quarter
|
|
Similar funds
TI
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.