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Betterment LLC

Betterment LLC Portfolio holdings

AUM $52.8B
1-Year Est. Return 15.34%
This Fund
S&P 500
This Quarter Est. Return
-0.53%
1 Year Est. Return
+15.34%
3 Year Est. Return
+36.15%
5 Year Est. Return
+27.3%
10 Year Est. Return
+91.33%
AUM
$42.2B
AUM Growth
+$206M
Cap. Flow
+$518M
Cap. Flow %
1.23%
Top 10 Hldgs %
68.81%
Holding
472
New
28
Increased
265
Reduced
163
Closed
14

Top Buys

1
SPYM
State Street SPDR Portfolio S&P 500 ETF
SPYM
+$829M
2
AGG icon
iShares Core US Aggregate Bond ETF
AGG
+$194M
3
SCHX icon
Schwab US Large- Cap ETF
SCHX
+$168M
4
JPST icon
JPMorgan Ultra-Short Income ETF
JPST
+$150M
5
TFI icon
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
+$95.5M

Top Sells

1
VTI icon
Vanguard Total Stock Market ETF
VTI
+$254M
2
VWO icon
Vanguard FTSE Emerging Markets ETF
VWO
+$180M
3
VEA icon
Vanguard FTSE Developed Markets ETF
VEA
+$177M
4
BNDX icon
Vanguard Total International Bond ETF
BNDX
+$126M
5
EMB icon
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
+$95.7M

Sector Composition

1 Technology 0.03%
2 Consumer Discretionary 0.01%
3 Financials 0.01%
4 Communication Services 0.01%
5 Consumer Staples 0%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
VTI icon
1
Vanguard Total Stock Market ETF
VTI
$658B
$7.17B 17.01%
26,094,613
-874,483
-3% -$254M
VEA icon
2
Vanguard FTSE Developed Markets ETF
VEA
$226B
$6.81B 16.16%
133,982,969
-3,502,207
-3% -$177M
SPYM
3
State Street SPDR Portfolio S&P 500 ETF
SPYM
$157B
$4.27B 10.12%
64,900,904
+11,988,520
+23% +$829M
VWO icon
4
Vanguard FTSE Emerging Markets ETF
VWO
$119B
$2.53B 5.99%
55,807,069
-3,992,322
-7% -$180M
AGG icon
5
iShares Core US Aggregate Bond ETF
AGG
$139B
$2.16B 5.13%
21,876,462
+1,983,074
+10% +$194M
MUB icon
6
iShares National Muni Bond ETF
MUB
$45.5B
$1.94B 4.6%
18,408,702
+150,443
+0.8% +$16M
ITOT icon
7
iShares Core S&P Total US Stock Market ETF
ITOT
$93.7B
$1.41B 3.34%
11,538,827
-262,047
-2% -$33.8M
SPMD icon
8
State Street SPDR Portfolio S&P 400 Mid Cap ETF
SPMD
$18.1B
$915M 2.17%
17,884,123
-48,865
-0.3% -$2.66M
VTV icon
9
Vanguard Value ETF
VTV
$186B
$903M 2.14%
5,225,476
-223,195
-4% -$38.9M
BNDX icon
10
Vanguard Total International Bond ETF
BNDX
$82.2B
$896M 2.13%
18,361,230
-2,580,844
-12% -$126M
IEFA icon
11
iShares Core MSCI EAFE ETF
IEFA
$186B
$807M 1.92%
10,672,579
-693,970
-6% -$51.9M
EMB icon
12
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
$14.6B
$723M 1.71%
7,977,068
-1,056,968
-12% -$95.7M
VOE icon
13
Vanguard Mid-Cap Value ETF
VOE
$23.5B
$689M 1.63%
4,291,924
-217,175
-5% -$35.5M
SPSM icon
14
State Street SPDR Portfolio S&P 600 Small Cap ETF
SPSM
$16.9B
$658M 1.56%
16,131,496
-32,224
-0.2% -$1.42M
VBR icon
15
Vanguard Small-Cap Value ETF
VBR
$37.1B
$625M 1.48%
3,353,053
-193,719
-5% -$38.3M
GSLC icon
16
Goldman Sachs ActiveBeta US Large Cap Equity ETF
GSLC
$15.4B
$584M 1.39%
5,305,878
-40,304
-0.8% -$4.66M
GBIL icon
17
Goldman Sachs Access Treasury 0-1 Year ETF
GBIL
$7.68B
$565M 1.34%
5,641,890
+13,922
+0.2% +$1.39M
SCHF icon
18
Schwab International Equity ETF
SCHF
$65.4B
$467M 1.11%
23,595,575
-954,544
-4% -$18.7M
JPST icon
19
JPMorgan Ultra-Short Income ETF
JPST
$39.8B
$465M 1.1%
9,185,647
+2,969,594
+48% +$150M
ESGU icon
20
iShares ESG Aware MSCI USA ETF
ESGU
$17.7B
$416M 0.99%
3,414,311
+137,039
+4% +$17.6M
TFI icon
21
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
$3.07B
$414M 0.98%
9,181,983
+2,094,084
+30% +$95.5M
IEMG icon
22
iShares Core MSCI Emerging Markets ETF
IEMG
$149B
$403M 0.96%
7,467,240
-539,617
-7% -$29M
STIP icon
23
iShares 0-5 Year TIPS Bond ETF
STIP
$15.8B
$395M 0.94%
3,822,211
-228,251
-6% -$23.3M
SCHB icon
24
Schwab US Broad Market ETF
SCHB
$43B
$371M 0.88%
17,254,102
-519,518
-3% -$11.8M
SCHX icon
25
Schwab US Large- Cap ETF
SCHX
$71.7B
$292M 0.69%
13,225,086
+7,201,786
+120% +$168M
1
2 3 4 5

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Betterment LLC's Q1 2025 Portfolio in Review

As of Q1 2025, Betterment LLC held 472 positions worth $42.2B, up 0.49% from $41.9B the previous quarter. Its ten largest holdings account for 69% of the portfolio.

Betterment LLC's Q1 2025 filing shows 28 new, 265 increased, 163 reduced and 14 closed positions. Its largest new stake was AB Disruptors ETF: 188,551 shares worth $13.3M. The largest sale was Vanguard Total Stock Market ETF, an estimated $254M.

By sector, the portfolio is most concentrated in Technology at 0.03% of assets, down from 0.03% a quarter earlier, followed by Consumer Discretionary and Financials.

  • Betterment LLC's largest Q1 2025 buy was AB Disruptors ETF: 188,551 shares worth $13.3M.
  • Betterment LLC added most to State Street SPDR Portfolio S&P 500 ETF in Q1 2025, an estimated $829M increase.
  • Betterment LLC's biggest Q1 2025 reduction was Vanguard Total Stock Market ETF, cutting an estimated $254M.
  • Betterment LLC fully exited Caterpillar in Q1 2025, selling an estimated $1.64M.
  • Betterment LLC's ten largest holdings make up 69% of its $42.2B portfolio in Q1 2025.
  • Betterment LLC opened 28 new positions and closed 14 in Q1 2025.
  • Betterment LLC's portfolio value rose 0.49% quarter-over-quarter to $42.2B.

Based on Betterment LLC's 13F filing for Q1 2025, filed 15 May 2025.