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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
+8.07%
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
$47B
AUM Growth
+$4.81B
Cap. Flow
+$1.4B
Cap. Flow %
2.99%
Top 10 Hldgs %
68.55%
Holding
510
New
52
Increased
262
Reduced
178
Closed
13

Top Buys

Rank Stock Value
1
SPYM
State Street SPDR Portfolio S&P 500 ETF
SPYM
+$606M
2
TFI icon
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
+$175M
3
SCHX icon
Schwab US Large- Cap ETF
SCHX
+$125M
4
AGG icon
iShares Core US Aggregate Bond ETF
AGG
+$117M
5
JPST icon
JPMorgan Ultra-Short Income ETF
JPST
+$106M

Top Sells

Rank Stock Value
1
VWO icon
Vanguard FTSE Emerging Markets ETF
VWO
+$150M
2
IEMG icon
iShares Core MSCI Emerging Markets ETF
IEMG
+$60.5M
3
GSIE icon
Goldman Sachs ActiveBeta International Equity ETF
GSIE
+$59.9M
4
IEFA icon
iShares Core MSCI EAFE ETF
IEFA
+$43.2M
5
BNDX icon
Vanguard Total International Bond ETF
BNDX
+$41.2M

Sector Composition

Rank Sector Weight
1 Technology 0.03%
2 Consumer Discretionary 0.01%
3 Communication Services 0.01%
4 Financials 0.01%
5 Consumer Staples 0.01%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
VTI icon
1
Vanguard Morningstar Total Stock Market ETF
VTI
$696B
$7.99B 17.02%
26,303,687
+209,074
+0.8% +$58.8M
VEA icon
2
Vanguard FTSE Developed Markets ETF
VEA
$239B
$7.64B 16.28%
134,083,394
+100,425
+0.1% +$5.38M
SPYM
3
State Street SPDR Portfolio S&P 500 ETF
SPYM
$170B
$5.37B 11.44%
73,909,544
+9,008,640
+14% +$606M
VWO icon
4
Vanguard FTSE Emerging Markets ETF
VWO
$126B
$2.6B 5.54%
52,572,127
-3,234,942
-6% -$150M
AGG icon
5
iShares Core US Aggregate Bond ETF
AGG
$138B
$2.29B 4.87%
23,067,850
+1,191,388
+5% +$117M
MUB icon
6
iShares National Muni Bond ETF
MUB
$45.9B
$1.94B 4.13%
18,584,233
+175,531
+1% +$18.2M
ITOT icon
7
iShares Core S&P Total US Stock Market ETF
ITOT
$98.5B
$1.52B 3.24%
11,275,319
-263,508
-2% -$32.9M
SPMD icon
8
State Street SPDR Portfolio S&P 400 Mid Cap ETF
SPMD
$19.1B
$1.04B 2.22%
19,155,647
+1,271,524
+7% +$65.5M
VTV icon
9
Vanguard Morningstar Value ETF
VTV
$194B
$918M 1.96%
5,196,580
-28,896
-0.6% -$4.88M
BNDX icon
10
Vanguard Total International Bond ETF
BNDX
$83B
$868M 1.85%
17,523,971
-837,259
-5% -$41.2M
IEFA icon
11
iShares Core MSCI EAFE ETF
IEFA
$196B
$846M 1.8%
10,128,262
-544,317
-5% -$43.2M
SPSM icon
12
State Street SPDR Portfolio S&P 600 Small Cap ETF
SPSM
$17.6B
$750M 1.6%
17,616,693
+1,485,197
+9% +$59.9M
EMB icon
13
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
$15B
$731M 1.56%
7,892,474
-84,594
-1% -$7.62M
VOE icon
14
Vanguard Morningstar Mid-Cap Value ETF
VOE
$24.5B
$680M 1.45%
4,133,464
-158,460
-4% -$25.1M
GSLC icon
15
Goldman Sachs ActiveBeta US Large Cap Equity ETF
GSLC
$16.1B
$680M 1.45%
5,599,651
+293,773
+6% +$33.1M
VBR icon
16
Vanguard Morningstar Small-Cap Value ETF
VBR
$38.2B
$624M 1.33%
3,200,471
-152,582
-5% -$28.2M
TFI icon
17
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
$3.18B
$586M 1.25%
13,127,515
+3,945,532
+43% +$175M
JPST icon
18
JPMorgan Ultra-Short Income ETF
JPST
$40.6B
$572M 1.22%
11,291,079
+2,105,432
+23% +$106M
GBIL icon
19
Goldman Sachs Access Treasury 0-1 Year ETF
GBIL
$7.59B
$571M 1.22%
5,698,815
+56,925
+1% +$5.69M
ESGU icon
20
iShares ESG Aware MSCI USA ETF
ESGU
$18.5B
$520M 1.11%
3,840,238
+425,927
+12% +$53.2M
SCHF icon
21
Schwab International Equity ETF
SCHF
$69.3B
$507M 1.08%
22,942,141
-653,434
-3% -$13.6M
SCHX icon
22
Schwab US Large- Cap ETF
SCHX
$75B
$458M 0.98%
18,749,171
+5,524,085
+42% +$125M
STIP icon
23
iShares 0-5 Year TIPS Bond ETF
STIP
$15.9B
$412M 0.88%
4,006,464
+184,253
+5% +$18.9M
SCHB icon
24
Schwab US Broad Market ETF
SCHB
$45.2B
$401M 0.85%
16,827,398
-426,704
-2% -$9.4M
IEMG icon
25
iShares Core MSCI Emerging Markets ETF
IEMG
$159B
$383M 0.82%
6,383,212
-1,084,028
-15% -$60.5M
1
2 3 4 5

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Betterment LLC's Q2 2025 Portfolio in Review

As of Q2 2025, Betterment LLC held 510 positions worth $47B, up 11% from $42.2B the previous quarter. Its ten largest holdings account for 69% of the portfolio.

Betterment LLC's Q2 2025 filing shows 52 new, 262 increased, 178 reduced and 13 closed positions. Its largest new stake was Goldman Sachs Municipal Income ETF: 530,048 shares worth $26.5M. The largest sale was Vanguard FTSE Emerging Markets ETF, an estimated $150M.

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

  • Betterment LLC's largest Q2 2025 buy was Goldman Sachs Municipal Income ETF: 530,048 shares worth $26.5M.
  • Betterment LLC added most to State Street SPDR Portfolio S&P 500 ETF in Q2 2025, an estimated $606M increase.
  • Betterment LLC's biggest Q2 2025 reduction was Vanguard FTSE Emerging Markets ETF, cutting an estimated $150M.
  • Betterment LLC fully exited SGI Enhanced Global Income ETF in Q2 2025, selling an estimated $1.47M.
  • Betterment LLC's ten largest holdings make up 69% of its $47B portfolio in Q2 2025.
  • Betterment LLC opened 52 new positions and closed 13 in Q2 2025.
  • Betterment LLC's portfolio value rose 11% quarter-over-quarter to $47B.

Based on Betterment LLC's 13F filing for Q2 2025, filed 14 Aug 2025.