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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
+1.79%
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
$52.5B
AUM Growth
+$1.89B
Cap. Flow
+$992M
Cap. Flow %
1.89%
Top 10 Hldgs %
68.69%
Holding
563
New
41
Increased
351
Reduced
153
Closed
12

Top Buys

Rank Stock Value
1
SPYM
State Street SPDR Portfolio S&P 500 ETF
SPYM
+$401M
2
MUB icon
iShares National Muni Bond ETF
MUB
+$176M
3
AGG icon
iShares Core US Aggregate Bond ETF
AGG
+$169M
4
VWOB icon
Vanguard Emerging Markets Government Bond ETF
VWOB
+$90.7M
5
VEA icon
Vanguard FTSE Developed Markets ETF
VEA
+$69.9M

Top Sells

Rank Stock Value
1
VTI icon
Vanguard Morningstar Total Stock Market ETF
VTI
+$203M
2
EMB icon
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
+$73.8M
3
ITOT icon
iShares Core S&P Total US Stock Market ETF
ITOT
+$38.2M
4
FALN icon
iShares Fallen Angels USD Bond ETF
FALN
+$31.4M
5
TFI icon
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
+$23.2M

Sector Composition

Rank Sector Weight
1 Technology 0.04%
2 Communication Services 0.01%
3 Consumer Discretionary 0.01%
4 Financials 0.01%
5 Consumer Staples 0.01%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
VEA icon
1
Vanguard FTSE Developed Markets ETF
VEA
$239B
$8.66B 16.49%
138,588,366
+1,140,627
+0.8% +$69.9M
VTI icon
2
Vanguard Morningstar Total Stock Market ETF
VTI
$696B
$8.44B 16.08%
25,171,575
-610,825
-2% -$203M
SPYM
3
State Street SPDR Portfolio S&P 500 ETF
SPYM
$170B
$6.71B 12.77%
83,585,842
+5,039,605
+6% +$401M
VWO icon
4
Vanguard FTSE Emerging Markets ETF
VWO
$126B
$2.89B 5.5%
53,732,807
+1,257,504
+2% +$68.3M
AGG icon
5
iShares Core US Aggregate Bond ETF
AGG
$138B
$2.62B 5%
26,255,484
+1,687,004
+7% +$169M
MUB icon
6
iShares National Muni Bond ETF
MUB
$45.9B
$2.03B 3.88%
18,990,218
+1,646,689
+9% +$176M
ITOT icon
7
iShares Core S&P Total US Stock Market ETF
ITOT
$98.5B
$1.59B 3.03%
10,680,855
-258,550
-2% -$38.2M
SPMD icon
8
State Street SPDR Portfolio S&P 400 Mid Cap ETF
SPMD
$19.1B
$1.22B 2.33%
21,151,161
+1,024,884
+5% +$58.9M
VTV icon
9
Vanguard Morningstar Value ETF
VTV
$194B
$950M 1.81%
4,973,990
-106,045
-2% -$19.9M
BNDX icon
10
Vanguard Total International Bond ETF
BNDX
$83B
$945M 1.8%
19,558,275
+1,197,101
+7% +$59.1M
SPSM icon
11
State Street SPDR Portfolio S&P 600 Small Cap ETF
SPSM
$17.6B
$879M 1.67%
18,757,519
+614,934
+3% +$28.7M
IEFA icon
12
iShares Core MSCI EAFE ETF
IEFA
$196B
$860M 1.64%
9,608,903
-258,017
-3% -$22.8M
GSLC icon
13
Goldman Sachs ActiveBeta US Large Cap Equity ETF
GSLC
$16.1B
$795M 1.51%
6,005,716
+157,867
+3% +$20.7M
VOE icon
14
Vanguard Morningstar Mid-Cap Value ETF
VOE
$24.5B
$696M 1.33%
3,924,610
-95,700
-2% -$16.7M
JPST icon
15
JPMorgan Ultra-Short Income ETF
JPST
$40.6B
$667M 1.27%
13,181,100
+1,002,505
+8% +$50.8M
VBR icon
16
Vanguard Morningstar Small-Cap Value ETF
VBR
$38.2B
$640M 1.22%
3,019,666
-80,400
-3% -$16.8M
GBIL icon
17
Goldman Sachs Access Treasury 0-1 Year ETF
GBIL
$7.59B
$586M 1.12%
5,862,171
+222,981
+4% +$22.3M
ESGU icon
18
iShares ESG Aware MSCI USA ETF
ESGU
$18.5B
$585M 1.11%
3,924,596
+34,699
+0.9% +$5.13M
EMB icon
19
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
$15B
$573M 1.09%
5,954,321
-767,603
-11% -$73.8M
TFI icon
20
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
$3.18B
$553M 1.05%
12,106,265
-507,963
-4% -$23.2M
SCHF icon
21
Schwab International Equity ETF
SCHF
$69.3B
$526M 1%
21,860,498
-512,447
-2% -$12.2M
SCHX icon
22
Schwab US Large- Cap ETF
SCHX
$75B
$488M 0.93%
18,148,928
+64,308
+0.4% +$1.72M
STIP icon
23
iShares 0-5 Year TIPS Bond ETF
STIP
$15.9B
$448M 0.85%
4,371,869
+231,247
+6% +$23.8M
SCHB icon
24
Schwab US Broad Market ETF
SCHB
$45.2B
$424M 0.81%
16,156,262
-347,851
-2% -$9.06M
IEMG icon
25
iShares Core MSCI Emerging Markets ETF
IEMG
$159B
$397M 0.76%
5,912,312
-188,893
-3% -$12.7M
1
2 3 4 5

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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 Technology at 0.04% of assets, up from 0.03% a quarter earlier, followed by Communication Services and Consumer Discretionary.

  • 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.