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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
+1.79%
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
$52.5B
AUM Growth
+$1.89B
(+3.7%)
Cap. Flow
+$992M
Cap. Flow
% of AUM
1.89%
Top 10 Holdings %
Top 10 Hldgs %
68.69%
Holding
563
New
41
Increased
351
Reduced
153
Closed
12
Avg Time Held
12.3
quarters
Top 10 Avg Time Held
27.6
quarters
Top 20 Avg Time Held
26.1
quarters
Top Buys
| Rank | Stock | Value |
|---|---|---|
| 1 |
SPYM
State Street SPDR Portfolio S&P 500 ETF
SPYM
|
+$401M |
| 2 |
iShares National Muni Bond ETF
MUB
|
+$176M |
| 3 |
iShares Core US Aggregate Bond ETF
AGG
|
+$169M |
| 4 |
Vanguard Emerging Markets Government Bond ETF
VWOB
|
+$90.7M |
| 5 |
Vanguard FTSE Developed Markets ETF
VEA
|
+$69.9M |
Top Sells
| Rank | Stock | Value |
|---|---|---|
| 1 |
Vanguard Morningstar Total Stock Market ETF
VTI
|
+$203M |
| 2 |
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
|
+$73.8M |
| 3 |
iShares Core S&P Total US Stock Market ETF
ITOT
|
+$38.2M |
| 4 |
iShares Fallen Angels USD Bond ETF
FALN
|
+$31.4M |
| 5 |
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
|
+$23.2M |
Sector Composition
| Rank | Sector | Weight |
|---|---|---|
| 1 | Miscellaneous | 99.91% |
| 2 | Technology | 0.04% |
| 3 | Communication Services | 0.01% |
| 4 | Consumer Discretionary | 0.01% |
| 5 | Financials | 0.01% |
| Name | Market Value | Portfolio Weight | Shares or Principal |
Change in Stake | Capital Flow | Held Since | |
|---|---|---|---|---|---|---|---|
|
1
Vanguard FTSE Developed Markets ETF
VEA
$230B
| $8.66B | 16.49% |
138,588,366
+1,140,627
| +0.8% | +$69.9M |
2014 Q4
44 quarters
|
|
|
2
Vanguard Morningstar Total Stock Market ETF
VTI
$697B
| $8.44B | 16.08% |
25,171,575
-610,825
| -2% | -$203M |
2014 Q4
44 quarters
|
|
|
SPYM
3
State Street SPDR Portfolio S&P 500 ETF
SPYM
$177B
| $6.71B | 12.77% |
83,585,842
+5,039,605
| +6% | +$401M |
2021 Q4
16 quarters
|
|
4
Vanguard FTSE Emerging Markets ETF
VWO
$126B
| $2.89B | 5.5% |
53,732,807
+1,257,504
| +2% | +$68.3M |
2014 Q4
44 quarters
|
|
|
5
iShares Core US Aggregate Bond ETF
AGG
$136B
| $2.62B | 5% |
26,255,484
+1,687,004
| +7% | +$169M |
2017 Q2
34 quarters
|
|
|
6
iShares National Muni Bond ETF
MUB
$47.4B
| $2.03B | 3.88% |
18,990,218
+1,646,689
| +9% | +$176M |
2014 Q4
44 quarters
|
|
|
7
iShares Core S&P Total US Stock Market ETF
ITOT
$97.9B
| $1.59B | 3.03% |
10,680,855
-258,550
| -2% | -$38.2M |
2014 Q4
44 quarters
|
|
8
State Street SPDR Portfolio S&P 400 Mid Cap ETF
SPMD
$18.3B
| $1.22B | 2.33% |
21,151,161
+1,024,884
| +5% | +$58.9M |
2024 Q1
7 quarters
|
|
9
Vanguard Morningstar Value ETF
VTV
$189B
| $950M | 1.81% |
4,973,990
-106,045
| -2% | -$19.9M |
2014 Q4
44 quarters
|
|
10
Vanguard Total International Bond ETF
BNDX
$82.5B
| $945M | 1.8% |
19,558,275
+1,197,101
| +7% | +$59.1M |
2014 Q4
44 quarters
|
|
11
State Street SPDR Portfolio S&P 600 Small Cap ETF
SPSM
$15.8B
| $879M | 1.67% |
18,757,519
+614,934
| +3% | +$28.7M |
2023 Q4
8 quarters
|
|
12
iShares Core MSCI EAFE ETF
IEFA
$190B
| $860M | 1.64% |
9,608,903
-258,017
| -3% | -$22.8M |
2014 Q4
44 quarters
|
|
13
Goldman Sachs ActiveBeta US Large Cap Equity ETF
GSLC
$15.4B
| $795M | 1.51% |
6,005,716
+157,867
| +3% | +$20.7M |
2016 Q4
36 quarters
|
|
14
Vanguard Morningstar Mid-Cap Value ETF
VOE
$23.7B
| $696M | 1.33% |
3,924,610
-95,700
| -2% | -$16.7M |
2014 Q4
44 quarters
|
|
15
JPMorgan Ultra-Short Income ETF
JPST
$42.2B
| $667M | 1.27% |
13,181,100
+1,002,505
| +8% | +$50.8M |
2020 Q1
23 quarters
|
|
16
Vanguard Morningstar Small-Cap Value ETF
VBR
$35.6B
| $640M | 1.22% |
3,019,666
-80,400
| -3% | -$16.8M |
2014 Q4
44 quarters
|
|
17
Goldman Sachs Access Treasury 0-1 Year ETF
GBIL
$7.91B
| $586M | 1.12% |
5,862,171
+222,981
| +4% | +$22.3M |
2017 Q3
33 quarters
|
|
18
iShares ESG Aware MSCI USA ETF
ESGU
$18.3B
| $585M | 1.11% |
3,924,596
+34,699
| +0.9% | +$5.13M |
2020 Q3
21 quarters
|
|
|
19
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
$12.9B
| $573M | 1.09% |
5,954,321
-767,603
| -11% | -$73.8M |
2014 Q4
44 quarters
|
|
|
20
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
$2.85B
| $553M | 1.05% |
12,106,265
-507,963
| -4% | -$23.2M |
2014 Q4
44 quarters
|
|
21
Schwab International Equity ETF
SCHF
$67.6B
| $526M | 1% |
21,860,498
-512,447
| -2% | -$12.2M |
2014 Q4
44 quarters
|
|
22
Schwab US Large- Cap ETF
SCHX
$75.3B
| $488M | 0.93% |
18,148,928
+64,308
| +0.4% | +$1.72M |
2021 Q2
18 quarters
|
|
23
iShares 0-5 Year TIPS Bond ETF
STIP
$16.4B
| $448M | 0.85% |
4,371,869
+231,247
| +6% | +$23.8M |
2022 Q4
12 quarters
|
|
24
Schwab US Broad Market ETF
SCHB
$45.3B
| $424M | 0.81% |
16,156,262
-347,851
| -2% | -$9.06M |
2014 Q4
44 quarters
|
|
25
iShares Core MSCI Emerging Markets ETF
IEMG
$160B
| $397M | 0.76% |
5,912,312
-188,893
| -3% | -$12.7M |
2014 Q4
44 quarters
|
|
Similar funds
TI
Betterment LLC's Q4 2025 Portfolio in Review
As of Q4 2025, Betterment LLC held 563 positions worth $52.5B, up 3.7% from $50.6B the previous quarter. Its ten largest holdings account for 69% of the portfolio.
Betterment LLC's Q4 2025 filing shows 41 new, 351 increased, 153 reduced and 12 closed positions. Its largest new stake was BlackRock ETF Trust II iShares AAA CLO Active ETF: 324,160 shares worth $16.8M. The largest sale was Vanguard Morningstar Total Stock Market ETF, an estimated $203M.
By sector, the portfolio is most concentrated in Miscellaneous at 100% of assets, down from 100% a quarter earlier, followed by Technology and Communication Services.
- Betterment LLC's largest Q4 2025 buy was BlackRock ETF Trust II iShares AAA CLO Active ETF: 324,160 shares worth $16.8M.
- Betterment LLC added most to State Street SPDR Portfolio S&P 500 ETF in Q4 2025, an estimated $401M increase.
- Betterment LLC's biggest Q4 2025 reduction was Vanguard Morningstar Total Stock Market ETF, cutting an estimated $203M.
- Betterment LLC fully exited iShares Fallen Angels USD Bond ETF in Q4 2025, selling an estimated $31.4M.
- Betterment LLC's ten largest holdings make up 69% of its $52.5B portfolio in Q4 2025.
- Betterment LLC opened 41 new positions and closed 12 in Q4 2025.
- Betterment LLC's portfolio value rose 3.7% quarter-over-quarter to $52.5B.
Based on Betterment LLC's 13F filing for Q4 2025, filed 12 Feb 2026.