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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
+8.07%
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
$47B
AUM Growth
+$4.81B
(+11%)
Cap. Flow
+$1.4B
Cap. Flow
% of AUM
2.99%
Top 10 Holdings %
Top 10 Hldgs %
68.55%
Holding
510
New
52
Increased
262
Reduced
178
Closed
13
Avg Time Held
12
quarters
Top 10 Avg Time Held
25.6
quarters
Top 20 Avg Time Held
24.1
quarters
Top Buys
| Rank | Stock | Value |
|---|---|---|
| 1 |
SPYM
State Street SPDR Portfolio S&P 500 ETF
SPYM
|
+$606M |
| 2 |
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
|
+$175M |
| 3 |
Schwab US Large- Cap ETF
SCHX
|
+$125M |
| 4 |
iShares Core US Aggregate Bond ETF
AGG
|
+$117M |
| 5 |
JPMorgan Ultra-Short Income ETF
JPST
|
+$106M |
Top Sells
| Rank | Stock | Value |
|---|---|---|
| 1 |
Vanguard FTSE Emerging Markets ETF
VWO
|
+$150M |
| 2 |
iShares Core MSCI Emerging Markets ETF
IEMG
|
+$60.5M |
| 3 |
Goldman Sachs ActiveBeta International Equity ETF
GSIE
|
+$59.9M |
| 4 |
iShares Core MSCI EAFE ETF
IEFA
|
+$43.2M |
| 5 |
Vanguard Total International Bond ETF
BNDX
|
+$41.2M |
Sector Composition
| Rank | Sector | Weight |
|---|---|---|
| 1 | Miscellaneous | 99.94% |
| 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 | |
|---|---|---|---|---|---|---|---|
1
Vanguard Morningstar Total Stock Market ETF
VTI
$697B
| $7.99B | 17.02% |
26,303,687
+209,074
| +0.8% | +$58.8M |
2014 Q4
42 quarters
|
|
2
Vanguard FTSE Developed Markets ETF
VEA
$230B
| $7.64B | 16.28% |
134,083,394
+100,425
| +0.1% | +$5.38M |
2014 Q4
42 quarters
|
|
|
SPYM
3
State Street SPDR Portfolio S&P 500 ETF
SPYM
$177B
| $5.37B | 11.44% |
73,909,544
+9,008,640
| +14% | +$606M |
2021 Q4
14 quarters
|
|
|
4
Vanguard FTSE Emerging Markets ETF
VWO
$126B
| $2.6B | 5.54% |
52,572,127
-3,234,942
| -6% | -$150M |
2014 Q4
42 quarters
|
|
|
5
iShares Core US Aggregate Bond ETF
AGG
$136B
| $2.29B | 4.87% |
23,067,850
+1,191,388
| +5% | +$117M |
2017 Q2
32 quarters
|
|
6
iShares National Muni Bond ETF
MUB
$47.4B
| $1.94B | 4.13% |
18,584,233
+175,531
| +1% | +$18.2M |
2014 Q4
42 quarters
|
|
7
iShares Core S&P Total US Stock Market ETF
ITOT
$97.9B
| $1.52B | 3.24% |
11,275,319
-263,508
| -2% | -$32.9M |
2014 Q4
42 quarters
|
|
8
State Street SPDR Portfolio S&P 400 Mid Cap ETF
SPMD
$18.3B
| $1.04B | 2.22% |
19,155,647
+1,271,524
| +7% | +$65.5M |
2024 Q1
5 quarters
|
|
9
Vanguard Morningstar Value ETF
VTV
$189B
| $918M | 1.96% |
5,196,580
-28,896
| -0.6% | -$4.88M |
2014 Q4
42 quarters
|
|
|
10
Vanguard Total International Bond ETF
BNDX
$82.5B
| $868M | 1.85% |
17,523,971
-837,259
| -5% | -$41.2M |
2014 Q4
42 quarters
|
|
|
11
iShares Core MSCI EAFE ETF
IEFA
$190B
| $846M | 1.8% |
10,128,262
-544,317
| -5% | -$43.2M |
2014 Q4
42 quarters
|
|
12
State Street SPDR Portfolio S&P 600 Small Cap ETF
SPSM
$15.8B
| $750M | 1.6% |
17,616,693
+1,485,197
| +9% | +$59.9M |
2023 Q4
6 quarters
|
|
13
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
$12.9B
| $731M | 1.56% |
7,892,474
-84,594
| -1% | -$7.62M |
2014 Q4
42 quarters
|
|
14
Vanguard Morningstar Mid-Cap Value ETF
VOE
$23.7B
| $680M | 1.45% |
4,133,464
-158,460
| -4% | -$25.1M |
2014 Q4
42 quarters
|
|
15
Goldman Sachs ActiveBeta US Large Cap Equity ETF
GSLC
$15.4B
| $680M | 1.45% |
5,599,651
+293,773
| +6% | +$33.1M |
2016 Q4
34 quarters
|
|
16
Vanguard Morningstar Small-Cap Value ETF
VBR
$35.6B
| $624M | 1.33% |
3,200,471
-152,582
| -5% | -$28.2M |
2014 Q4
42 quarters
|
|
|
17
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
$2.85B
| $586M | 1.25% |
13,127,515
+3,945,532
| +43% | +$175M |
2014 Q4
42 quarters
|
|
|
18
JPMorgan Ultra-Short Income ETF
JPST
$42.2B
| $572M | 1.22% |
11,291,079
+2,105,432
| +23% | +$106M |
2020 Q1
21 quarters
|
|
19
Goldman Sachs Access Treasury 0-1 Year ETF
GBIL
$7.91B
| $571M | 1.22% |
5,698,815
+56,925
| +1% | +$5.69M |
2017 Q3
31 quarters
|
|
20
iShares ESG Aware MSCI USA ETF
ESGU
$18.3B
| $520M | 1.11% |
3,840,238
+425,927
| +12% | +$53.2M |
2020 Q3
19 quarters
|
|
21
Schwab International Equity ETF
SCHF
$67.6B
| $507M | 1.08% |
22,942,141
-653,434
| -3% | -$13.6M |
2014 Q4
42 quarters
|
|
|
22
Schwab US Large- Cap ETF
SCHX
$75.3B
| $458M | 0.98% |
18,749,171
+5,524,085
| +42% | +$125M |
2021 Q2
16 quarters
|
|
23
iShares 0-5 Year TIPS Bond ETF
STIP
$16.4B
| $412M | 0.88% |
4,006,464
+184,253
| +5% | +$18.9M |
2022 Q4
10 quarters
|
|
24
Schwab US Broad Market ETF
SCHB
$45.3B
| $401M | 0.85% |
16,827,398
-426,704
| -2% | -$9.4M |
2014 Q4
42 quarters
|
|
|
25
iShares Core MSCI Emerging Markets ETF
IEMG
$160B
| $383M | 0.82% |
6,383,212
-1,084,028
| -15% | -$60.5M |
2014 Q4
42 quarters
|
|
Similar funds
TI
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 Miscellaneous at 100% of assets, down from 100% a quarter earlier, followed by Technology and Consumer Discretionary.
- 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.