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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
+5.94%
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
$50.6B
AUM Growth
+$3.64B
(+7.7%)
Cap. Flow
+$854M
Cap. Flow
% of AUM
1.69%
Top 10 Holdings %
Top 10 Hldgs %
68.39%
Holding
531
New
34
Increased
296
Reduced
190
Closed
9
Avg Time Held
12.3
quarters
Top 10 Avg Time Held
26.6
quarters
Top 20 Avg Time Held
25.1
quarters
Top Buys
| Rank | Stock | Value |
|---|---|---|
| 1 |
SPYM
State Street SPDR Portfolio S&P 500 ETF
SPYM
|
+$350M |
| 2 |
Vanguard Tax-Exempt Bond Index Fund
VTEB
|
+$299M |
| 3 |
Vanguard FTSE Developed Markets ETF
VEA
|
+$196M |
| 4 |
iShares Core US Aggregate Bond ETF
AGG
|
+$149M |
| 5 |
Vanguard Emerging Markets Government Bond ETF
VWOB
|
+$122M |
Top Sells
| Rank | Stock | Value |
|---|---|---|
| 1 |
Vanguard Morningstar Total Stock Market ETF
VTI
|
+$165M |
| 2 |
iShares National Muni Bond ETF
MUB
|
+$130M |
| 3 |
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
|
+$110M |
| 4 |
iShares Core S&P Total US Stock Market ETF
ITOT
|
+$47.1M |
| 5 |
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
|
+$23M |
Sector Composition
| Rank | Sector | Weight |
|---|---|---|
| 1 | Miscellaneous | 99.93% |
| 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
| $8.46B | 16.72% |
25,782,400
-521,287
| -2% | -$165M |
2014 Q4
43 quarters
|
|
|
2
Vanguard FTSE Developed Markets ETF
VEA
$230B
| $8.24B | 16.28% |
137,447,739
+3,364,345
| +3% | +$196M |
2014 Q4
43 quarters
|
|
|
SPYM
3
State Street SPDR Portfolio S&P 500 ETF
SPYM
$177B
| $6.15B | 12.16% |
78,546,237
+4,636,693
| +6% | +$350M |
2021 Q4
15 quarters
|
|
4
Vanguard FTSE Emerging Markets ETF
VWO
$126B
| $2.84B | 5.62% |
52,475,303
-96,824
| -0.2% | -$4.99M |
2014 Q4
43 quarters
|
|
|
5
iShares Core US Aggregate Bond ETF
AGG
$136B
| $2.46B | 4.87% |
24,568,480
+1,500,630
| +7% | +$149M |
2017 Q2
33 quarters
|
|
|
6
iShares National Muni Bond ETF
MUB
$47.4B
| $1.85B | 3.65% |
17,343,529
-1,240,704
| -7% | -$130M |
2014 Q4
43 quarters
|
|
|
7
iShares Core S&P Total US Stock Market ETF
ITOT
$97.9B
| $1.59B | 3.15% |
10,939,405
-335,914
| -3% | -$47.1M |
2014 Q4
43 quarters
|
|
8
State Street SPDR Portfolio S&P 400 Mid Cap ETF
SPMD
$18.3B
| $1.15B | 2.27% |
20,126,277
+970,630
| +5% | +$54.7M |
2024 Q1
6 quarters
|
|
9
Vanguard Morningstar Value ETF
VTV
$189B
| $947M | 1.87% |
5,080,035
-116,545
| -2% | -$21.1M |
2014 Q4
43 quarters
|
|
10
Vanguard Total International Bond ETF
BNDX
$82.5B
| $908M | 1.79% |
18,361,174
+837,203
| +5% | +$41.3M |
2014 Q4
43 quarters
|
|
11
iShares Core MSCI EAFE ETF
IEFA
$190B
| $861M | 1.7% |
9,866,920
-261,342
| -3% | -$22.2M |
2014 Q4
43 quarters
|
|
12
State Street SPDR Portfolio S&P 600 Small Cap ETF
SPSM
$15.8B
| $840M | 1.66% |
18,142,585
+525,892
| +3% | +$23.6M |
2023 Q4
7 quarters
|
|
13
Goldman Sachs ActiveBeta US Large Cap Equity ETF
GSLC
$15.4B
| $762M | 1.51% |
5,847,849
+248,198
| +4% | +$31.2M |
2016 Q4
35 quarters
|
|
14
Vanguard Morningstar Mid-Cap Value ETF
VOE
$23.7B
| $702M | 1.39% |
4,020,310
-113,154
| -3% | -$19.3M |
2014 Q4
43 quarters
|
|
15
Vanguard Morningstar Small-Cap Value ETF
VBR
$35.6B
| $647M | 1.28% |
3,100,066
-100,405
| -3% | -$20.5M |
2014 Q4
43 quarters
|
|
|
16
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
$12.9B
| $640M | 1.26% |
6,721,924
-1,170,550
| -15% | -$110M |
2014 Q4
43 quarters
|
|
17
JPMorgan Ultra-Short Income ETF
JPST
$42.2B
| $618M | 1.22% |
12,178,595
+887,516
| +8% | +$44.9M |
2020 Q1
22 quarters
|
|
|
18
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
$2.85B
| $575M | 1.14% |
12,614,228
-513,287
| -4% | -$23M |
2014 Q4
43 quarters
|
|
19
iShares ESG Aware MSCI USA ETF
ESGU
$18.3B
| $566M | 1.12% |
3,889,897
+49,659
| +1% | +$6.95M |
2020 Q3
20 quarters
|
|
20
Goldman Sachs Access Treasury 0-1 Year ETF
GBIL
$7.91B
| $565M | 1.12% |
5,639,190
-59,625
| -1% | -$5.96M |
2017 Q3
32 quarters
|
|
21
Schwab International Equity ETF
SCHF
$67.6B
| $521M | 1.03% |
22,372,945
-569,196
| -2% | -$12.9M |
2014 Q4
43 quarters
|
|
22
Schwab US Large- Cap ETF
SCHX
$75.3B
| $476M | 0.94% |
18,084,620
-664,551
| -4% | -$16.9M |
2021 Q2
17 quarters
|
|
23
iShares 0-5 Year TIPS Bond ETF
STIP
$16.4B
| $428M | 0.85% |
4,140,622
+134,158
| +3% | +$13.8M |
2022 Q4
11 quarters
|
|
24
Schwab US Broad Market ETF
SCHB
$45.3B
| $424M | 0.84% |
16,504,113
-323,285
| -2% | -$8M |
2014 Q4
43 quarters
|
|
25
iShares Core MSCI Emerging Markets ETF
IEMG
$160B
| $402M | 0.79% |
6,101,205
-282,007
| -4% | -$17.6M |
2014 Q4
43 quarters
|
|
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TI
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 Miscellaneous at 100% of assets, down from 100% a quarter earlier, followed by Technology and Consumer Discretionary.
- 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.