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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
+5.94%
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
$50.6B
AUM Growth
+$3.64B
Cap. Flow
+$854M
Cap. Flow %
1.69%
Top 10 Hldgs %
68.39%
Holding
531
New
34
Increased
296
Reduced
190
Closed
9
Name Market Value Portfolio Weight Shares or Principal Change
in Stake
Capital Flow
VTI icon
1
Vanguard Morningstar Total Stock Market ETF
VTI
$696B
$8.46B 16.72%
25,782,400
-521,287
-2% -$165M
VEA icon
2
Vanguard FTSE Developed Markets ETF
VEA
$239B
$8.24B 16.28%
137,447,739
+3,364,345
+3% +$196M
SPYM
3
State Street SPDR Portfolio S&P 500 ETF
SPYM
$170B
$6.15B 12.16%
78,546,237
+4,636,693
+6% +$350M
VWO icon
4
Vanguard FTSE Emerging Markets ETF
VWO
$126B
$2.84B 5.62%
52,475,303
-96,824
-0.2% -$4.99M
AGG icon
5
iShares Core US Aggregate Bond ETF
AGG
$138B
$2.46B 4.87%
24,568,480
+1,500,630
+7% +$149M
MUB icon
6
iShares National Muni Bond ETF
MUB
$45.9B
$1.85B 3.65%
17,343,529
-1,240,704
-7% -$130M
ITOT icon
7
iShares Core S&P Total US Stock Market ETF
ITOT
$98.5B
$1.59B 3.15%
10,939,405
-335,914
-3% -$47.1M
SPMD icon
8
State Street SPDR Portfolio S&P 400 Mid Cap ETF
SPMD
$19.1B
$1.15B 2.27%
20,126,277
+970,630
+5% +$54.7M
VTV icon
9
Vanguard Morningstar Value ETF
VTV
$194B
$947M 1.87%
5,080,035
-116,545
-2% -$21.1M
BNDX icon
10
Vanguard Total International Bond ETF
BNDX
$83B
$908M 1.79%
18,361,174
+837,203
+5% +$41.3M
IEFA icon
11
iShares Core MSCI EAFE ETF
IEFA
$196B
$861M 1.7%
9,866,920
-261,342
-3% -$22.2M
SPSM icon
12
State Street SPDR Portfolio S&P 600 Small Cap ETF
SPSM
$17.6B
$840M 1.66%
18,142,585
+525,892
+3% +$23.6M
GSLC icon
13
Goldman Sachs ActiveBeta US Large Cap Equity ETF
GSLC
$16.1B
$762M 1.51%
5,847,849
+248,198
+4% +$31.2M
VOE icon
14
Vanguard Morningstar Mid-Cap Value ETF
VOE
$24.5B
$702M 1.39%
4,020,310
-113,154
-3% -$19.3M
VBR icon
15
Vanguard Morningstar Small-Cap Value ETF
VBR
$38.2B
$647M 1.28%
3,100,066
-100,405
-3% -$20.5M
EMB icon
16
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
$15B
$640M 1.26%
6,721,924
-1,170,550
-15% -$110M
JPST icon
17
JPMorgan Ultra-Short Income ETF
JPST
$40.6B
$618M 1.22%
12,178,595
+887,516
+8% +$44.9M
TFI icon
18
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
$3.18B
$575M 1.14%
12,614,228
-513,287
-4% -$23M
ESGU icon
19
iShares ESG Aware MSCI USA ETF
ESGU
$18.5B
$566M 1.12%
3,889,897
+49,659
+1% +$6.95M
GBIL icon
20
Goldman Sachs Access Treasury 0-1 Year ETF
GBIL
$7.59B
$565M 1.12%
5,639,190
-59,625
-1% -$5.96M
SCHF icon
21
Schwab International Equity ETF
SCHF
$69.3B
$521M 1.03%
22,372,945
-569,196
-2% -$12.9M
SCHX icon
22
Schwab US Large- Cap ETF
SCHX
$75B
$476M 0.94%
18,084,620
-664,551
-4% -$16.9M
STIP icon
23
iShares 0-5 Year TIPS Bond ETF
STIP
$15.9B
$428M 0.85%
4,140,622
+134,158
+3% +$13.8M
SCHB icon
24
Schwab US Broad Market ETF
SCHB
$45.2B
$424M 0.84%
16,504,113
-323,285
-2% -$8M
IEMG icon
25
iShares Core MSCI Emerging Markets ETF
IEMG
$159B
$402M 0.79%
6,101,205
-282,007
-4% -$17.6M

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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 Technology at 0.03% of assets, up from 0.03% a quarter earlier, followed by Consumer Discretionary and Communication Services.

  • 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.