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Betterment LLC Top Holdings and 13F Report (2025)

About Betterment LLC

Investment Activity

  • Betterment LLC has $46.96 million in total holdings as of June 30, 2025.
  • Betterment LLC owns shares of 497 different stocks, but just 18 companies or ETFs make up 80% of its holdings.
  • Approximately 4.80% of the portfolio was purchased this quarter.
  • About 1.65% of the portfolio was sold this quarter.
  • This quarter, Betterment LLC has purchased 458 new stocks and bought additional shares in 263 stocks.
  • Betterment LLC sold shares of 177 stocks and completely divested from 13 stocks this quarter.

Largest New Holdings this Quarter

38149W549 - Goldman Sachs Asset Management LP
$26,460 Holding
092528603 - iShares Flexible Income Active ETF
$3,104 Holding
88636J337 - Tidal Investments LLC
$2,219 Holding
132061763 - Cambria Investment Management LP
$1,186 Holding
14021L109 - Capital Research and Management Co
$1,130 Holding

Largest Purchases this Quarter

SPDR Portfolio S&P 500 ETF
9,008,640 shares (about $654.84K)
SPDR Nuveen ICE Municipal Bond ETF
3,945,532 shares (about $176.25K)
Schwab US Large-Cap ETF
5,524,085 shares (about $135.01K)
iShares Core U.S. Aggregate Bond ETF
1,191,388 shares (about $118.19K)
JPMorgan Ultra-Short Income ETF
2,105,432 shares (about $106.70K)

Largest Sales this Quarter

Vanguard FTSE Emerging Markets ETF
3,234,942 shares (about $160.00K)
iShares Core MSCI Emerging Markets ETF
1,084,028 shares (about $65.07K)
Goldman Sachs ActiveBeta International Equity ETF
1,590,406 shares (about $63.08K)
iShares Core MSCI EAFE ETF
544,317 shares (about $45.44K)
Vanguard Total International Bond ETF
837,259 shares (about $41.45K)

Sector Allocation Over Time

Map of 500 Largest Holdings ofBetterment LLC

 
 
Selling
 
 
Neutral
 
 
Buying
Issuer NameHoldings ValueApproximate Purchase/SaleChange in SharesShares Held% of PortfolioSector
Vanguard Total Stock Market ETF stock logo
VTI
Vanguard Total Stock Market ETF
$7,994,480$63,544 0.8%26,303,68717.0%ETF
Vanguard FTSE Developed Markets ETF stock logo
VEA
Vanguard FTSE Developed Markets ETF
$7,644,094$5,725 0.1%134,083,39416.3%ETF
SPDR Portfolio S&P 500 ETF stock logo
SPLG
SPDR Portfolio S&P 500 ETF
$5,372,485$654,838 13.9%73,909,54411.4%ETF
Vanguard FTSE Emerging Markets ETF stock logo
VWO
Vanguard FTSE Emerging Markets ETF
$2,600,217$160,000 -5.8%52,572,1275.5%ETF
iShares Core U.S. Aggregate Bond ETF stock logo
AGG
iShares Core U.S. Aggregate Bond ETF
$2,288,331$118,186 5.4%23,067,8504.9%Finance
iShares National Muni Bond ETF stock logo
MUB
iShares National Muni Bond ETF
$1,941,681$18,339 1.0%18,584,2334.1%ETF
iShares Core S&P Total U.S. Stock Market ETF stock logo
ITOT
iShares Core S&P Total U.S. Stock Market ETF
$1,522,619$35,584 -2.3%11,275,3193.2%ETF
SPDR Portfolio S&P 400 Mid Cap ETF stock logo
SPMD
SPDR Portfolio S&P 400 Mid Cap ETF
$1,041,684$69,145 7.1%19,155,6472.2%ETF
Vanguard Value ETF stock logo
VTV
Vanguard Value ETF
$918,443$5,107 -0.6%5,196,5802.0%ETF
Vanguard Total International Bond ETF stock logo
BNDX
Vanguard Total International Bond ETF
$867,612$41,453 -4.6%17,523,9711.8%ETF
iShares Core MSCI EAFE ETF stock logo
IEFA
iShares Core MSCI EAFE ETF
$845,507$45,440 -5.1%10,128,2621.8%ETF
SPDR Portfolio S&P 600 Small Cap ETF stock logo
SPSM
SPDR Portfolio S&P 600 Small Cap ETF
$750,471$63,269 9.2%17,616,6931.6%ETF
iShares J.P. Morgan USD Emerging Markets Bond ETF stock logo
EMB
iShares J.P. Morgan USD Emerging Markets Bond ETF
$731,001$7,835 -1.1%7,892,4741.6%ETF
Vanguard Mid-Cap Value ETF stock logo
VOE
Vanguard Mid-Cap Value ETF
$679,789$26,060 -3.7%4,133,4641.4%ETF
Goldman Sachs ActiveBeta U.S. Large Cap Equity ETF stock logo
GSLC
Goldman Sachs ActiveBeta U.S. Large Cap Equity ETF
$679,686$35,658 5.5%5,599,6511.4%ETF
Vanguard Small-Cap Value ETF stock logo
VBR
Vanguard Small-Cap Value ETF
$624,124$29,755 -4.6%3,200,4711.3%ETF
SPDR Nuveen ICE Municipal Bond ETF stock logo
TFI
SPDR Nuveen ICE Municipal Bond ETF
$586,406$176,247 43.0%13,127,5151.2%Finance
JPMorgan Ultra-Short Income ETF stock logo
JPST
JPMorgan Ultra-Short Income ETF
$572,232$106,703 22.9%11,291,0791.2%ETF
Goldman Sachs Access Treasury 0-1 Year ETF stock logo
GBIL
Goldman Sachs Access Treasury 0-1 Year ETF
$570,736$5,701 1.0%5,698,8151.2%ETF
iShares ESG Aware MSCI USA ETF stock logo
ESGU
iShares ESG Aware MSCI USA ETF
$519,584$57,628 12.5%3,840,2381.1%Manufacturing
Schwab International Equity ETF stock logo
SCHF
Schwab International Equity ETF
$507,021$14,441 -2.8%22,942,1411.1%ETF
Schwab US Large-Cap ETF stock logo
SCHX
Schwab US Large-Cap ETF
$458,230$135,009 41.8%18,749,1711.0%ETF
iShares 0-5 Year TIPS Bond ETF stock logo
STIP
iShares 0-5 Year TIPS Bond ETF
$412,305$18,961 4.8%4,006,4640.9%ETF
Schwab US Broad Market ETF stock logo
SCHB
Schwab US Broad Market ETF
$400,997$10,168 -2.5%16,827,3980.9%ETF
iShares Core MSCI Emerging Markets ETF stock logo
IEMG
iShares Core MSCI Emerging Markets ETF
$383,184$65,074 -14.5%6,383,2120.8%ETF
iShares ESG Aware MSCI EAFE ETF stock logo
ESGD
iShares ESG Aware MSCI EAFE ETF
$344,047$50,024 17.0%3,856,1640.7%Manufacturing
SPDR Portfolio Developed World ex-US ETF stock logo
SPDW
SPDR Portfolio Developed World ex-US ETF
$312,861$62,166 24.8%7,726,8590.7%ETF
iShares MSCI ACWI Low Carbon Target ETF stock logo
CRBN
iShares MSCI ACWI Low Carbon Target ETF
$272,326$2,576 -0.9%1,285,6490.6%ETF
iShares Russell Mid-Cap Value ETF stock logo
IWS
iShares Russell Mid-Cap Value ETF
$216,658$9,415 -4.2%1,639,6100.5%ETF
Vanguard S&P 500 ETF stock logo
VOO
Vanguard S&P 500 ETF
$172,643$17,361 11.2%303,9330.4%ETF
Vanguard Total Bond Market ETF stock logo
BND
Vanguard Total Bond Market ETF
$136,572$10,807 8.6%1,854,8360.3%ETF
SPDR Portfolio S&P 500 Value ETF stock logo
SPYV
SPDR Portfolio S&P 500 Value ETF
$131,482$3,285 -2.4%2,512,0740.3%ETF
iShares ESG Aware MSCI EM ETF stock logo
ESGE
iShares ESG Aware MSCI EM ETF
$131,084$14,437 12.4%3,346,5420.3%Manufacturing
Vanguard Growth ETF stock logo
VUG
Vanguard Growth ETF
$127,204$9,929 8.5%290,1550.3%ETF
Goldman Sachs ActiveBeta International Equity ETF stock logo
GSIE
Goldman Sachs ActiveBeta International Equity ETF
$126,573$63,076 -33.3%3,191,4440.3%ETF
Schwab U.S. Large-Cap Value ETF stock logo
SCHV
Schwab U.S. Large-Cap Value ETF
$120,704$2,822 -2.3%4,362,2780.3%ETF
iShares Russell 2000 Value ETF stock logo
IWN
iShares Russell 2000 Value ETF
$118,049$7,287 -5.8%748,2830.3%ETF
TCW Transform 500 ETF stock logo
VOTE
TCW Transform 500 ETF
$110,621$14,550 15.1%1,520,7770.2%ETF
Dimensional U.S. Core Equity 2 ETF stock logo
DFAC
Dimensional U.S. Core Equity 2 ETF
$106,135$14,636 16.0%2,961,3600.2%ETF
SPDR S&P Fossil Fuel Reserves Free ETF stock logo
SPYX
SPDR S&P Fossil Fuel Reserves Free ETF
$98,510$9 0.0%1,934,2220.2%ETF
Vanguard Emerging Markets Government Bond ETF stock logo
VWOB
Vanguard Emerging Markets Government Bond ETF
$96,019$12,227 -11.3%1,469,3000.2%ETF
iShares Short Treasury Bond ETF stock logo
SHV
iShares Short Treasury Bond ETF
$95,548$27,990 -22.7%865,3100.2%ETF
iShares Core S&P 500 ETF stock logo
IVV
iShares Core S&P 500 ETF
$92,942$2,849 -3.0%149,6900.2%ETF
Vanguard Short-Term Inflation-Protected Securities ETF stock logo
VTIP
Vanguard Short-Term Inflation-Protected Securities ETF
$87,123$14,193 -14.0%1,733,1070.2%Manufacturing
SPDR S&P Kensho New Economies Composite ETF stock logo
KOMP
SPDR S&P Kensho New Economies Composite ETF
$82,549$13,889 -14.4%1,517,9970.2%ETF
GSEU
Goldman Sachs ActiveBeta Europe Equity ETF
$82,085$5,160 -5.9%1,939,1710.2%ETF
Goldman Sachs ActiveBeta Emerging Markets Equity ETF stock logo
GEM
Goldman Sachs ActiveBeta Emerging Markets Equity ETF
$78,098$12,580 19.2%2,098,8540.2%ETF
SPDR Portfolio Emerging Markets ETF stock logo
SPEM
SPDR Portfolio Emerging Markets ETF
$77,974$43,247 124.5%1,824,3890.2%ETF
iShares S&P 500 Value ETF stock logo
IVE
iShares S&P 500 Value ETF
$75,985$2,558 -3.3%388,8310.2%ETF
iShares Core International Aggregate Bond ETF stock logo
IAGG
iShares Core International Aggregate Bond ETF
$74,921$239 -0.3%1,466,4530.2%ETF
iShares ESG Aware MSCI USA Small-Cap ETF stock logo
ESML
iShares ESG Aware MSCI USA Small-Cap ETF
$72,211$4,905 7.3%1,747,1780.2%ETF
Vanguard Mid-Cap ETF stock logo
VO
Vanguard Mid-Cap ETF
$68,312$29,774 77.3%244,1210.1%ETF
iShares ESG Aware U.S. Aggregate Bond ETF stock logo
EAGG
iShares ESG Aware U.S. Aggregate Bond ETF
$67,906$13,005 23.7%1,428,3970.1%ETF
EFAX
SPDR MSCI EAFE Fossil Fuel Reserves Free ETF
$65,188$1,371 -2.1%1,376,4270.1%ETF
iShares USD Green Bond ETF stock logo
BGRN
iShares USD Green Bond ETF
$62,480$519 -0.8%1,310,6760.1%Manufacturing
Vanguard ESG U.S. Stock ETF stock logo
ESGV
Vanguard ESG U.S. Stock ETF
$61,136$5,340 9.6%557,6110.1%ETF
Vanguard Small-Cap ETF stock logo
VB
Vanguard Small-Cap ETF
$57,861$19,903 52.4%244,1600.1%ETF
JP Morgan Investment Management Inc
$56,073$19,683 54.1%1,134,6280.1%SUSTAINABLE MUNI
BlackRock Fund Advisors
$54,057$783 1.5%883,1410.1%SHS BEN INT
Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF stock logo
GSSC
Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF
$52,327$11,437 28.0%762,6670.1%ETF
iShares Fallen Angels USD Bond ETF stock logo
FALN
iShares Fallen Angels USD Bond ETF
$49,364$4,996 11.3%1,818,8810.1%Manufacturing
iShares Broad USD High Yield Corporate Bond ETF stock logo
USHY
iShares Broad USD High Yield Corporate Bond ETF
$48,557$4,173 9.4%1,294,5110.1%ETF
iShares ESG MSCI KLD 400 ETF stock logo
DSI
iShares ESG MSCI KLD 400 ETF
$46,108$1,511 -3.2%396,9330.1%ETF
Dimensional International Core Equity 2 ETF stock logo
DFIC
Dimensional International Core Equity 2 ETF
$45,172$230 0.5%1,452,9390.1%ETF
Vanguard Short-Term Bond ETF stock logo
BSV
Vanguard Short-Term Bond ETF
$44,879$2,606 6.2%570,2560.1%ETF
Dimensional Core Fixed Income ETF stock logo
DFCF
Dimensional Core Fixed Income ETF
$43,594$4,766 12.3%1,031,5550.1%ETF
GSJY
Goldman Sachs ActiveBeta Japan Equity ETF
$41,702$13,706 49.0%993,1500.1%ETF
Invesco QQQ stock logo
QQQ
Invesco QQQ
$40,519$5,787 -12.5%73,4520.1%Finance
FWD
AB Disruptors ETF
$39,566$22,649 133.9%440,9900.1%ETF
Schwab US Small-Cap ETF stock logo
SCHA
Schwab US Small-Cap ETF
$39,243$7,719 24.5%1,551,1140.1%ETF
iShares MSCI USA ESG Select ETF stock logo
SUSA
iShares MSCI USA ESG Select ETF
$38,846$15,647 67.4%306,4800.1%ETF
GCOR
Goldman Sachs Access U.S. Aggregate Bond ETF
$37,589$12,937 52.5%909,2690.1%ETF
Vanguard Large-Cap ETF stock logo
VV
Vanguard Large-Cap ETF
$33,599$11,341 51.0%117,7660.1%ETF
iShares ESG Aware USD Corporate Bond ETF stock logo
SUSC
iShares ESG Aware USD Corporate Bond ETF
$32,978$4,268 14.9%1,419,6350.1%Manufacturing
Goldman Sachs Access Investment Grade Corporate Bond ETF stock logo
GIGB
Goldman Sachs Access Investment Grade Corporate Bond ETF
$32,351$27,163 -45.6%702,9820.1%ETF
iShares Investment Grade Systematic Bond ETF stock logo
IGEB
iShares Investment Grade Systematic Bond ETF
$31,232$2,383 8.3%687,3320.1%ETF
Dimensional International Core Equity Market ETF stock logo
DFAI
Dimensional International Core Equity Market ETF
$29,888$12,358 -29.3%864,5680.1%ETF
Vanguard Dividend Appreciation ETF stock logo
VIG
Vanguard Dividend Appreciation ETF
$29,408$2,163 7.9%143,6850.1%ETF
GTIP
Goldman Sachs Access Inflation Protected USD Bond ETF
$28,756$17,185 148.5%580,8030.1%ETF
Dimensional US Core Equity Market ETF stock logo
DFAU
Dimensional US Core Equity Market ETF
$28,351$26,493 -48.3%669,2970.1%ETF
Goldman Sachs Asset Management LP
$26,460$26,460 New Holding530,0480.1%MUNI INCOME ETF
Invesco NASDAQ 100 ETF stock logo
QQQM
Invesco NASDAQ 100 ETF
$26,392$13,875 110.8%116,2120.1%ETF
iShares 0-5 Year High Yield Corporate Bond ETF stock logo
SHYG
iShares 0-5 Year High Yield Corporate Bond ETF
$25,523$2,168 9.3%591,6340.1%ETF
Dimensional Emerging Markets Core Equity 2 ETF stock logo
DFEM
Dimensional Emerging Markets Core Equity 2 ETF
$24,117$1,914 -7.4%812,5520.1%ETF
EEMX
SPDR MSCI Emerging Markets Fossil Fuel Reserves Free ETF
$24,043$3,196 -11.7%641,6580.1%ETF
Vanguard Tax-Exempt Bond ETF stock logo
VTEB
Vanguard Tax-Exempt Bond ETF
$23,674$18,482 356.0%482,8410.1%ETF
Vanguard Mid-Cap Growth ETF stock logo
VOT
Vanguard Mid-Cap Growth ETF
$23,602$917 4.0%82,9930.1%ETF
iShares Short-Term National Muni Bond ETF stock logo
SUB
iShares Short-Term National Muni Bond ETF
$22,973$19,297 524.9%216,0320.0%ETF
GEMD
Goldman Sachs Access Emerging Markets USD Bond ETF
$22,265$2,111 10.5%542,9160.0%ETF
Vanguard Total World Bond ETF stock logo
BNDW
Vanguard Total World Bond ETF
$21,465$20,066 1,434.5%309,6060.0%ETF
Goldman Sachs JUST U.S. Large Cap Equity ETF stock logo
JUST
Goldman Sachs JUST U.S. Large Cap Equity ETF
$20,935$6,607 46.1%238,0880.0%ETF
Vanguard Intermediate-Term Bond ETF stock logo
BIV
Vanguard Intermediate-Term Bond ETF
$20,342$1,084 5.6%263,0240.0%ETF
Vanguard Total International Stock ETF stock logo
VXUS
Vanguard Total International Stock ETF
$19,390$15,969 466.8%280,6480.0%ETF
Dimensional US Large Cap Value ETF stock logo
DFLV
Dimensional US Large Cap Value ETF
$18,731$3,180 20.4%603,8240.0%ETF
iShares iBoxx $ Investment Grade Corporate Bond ETF stock logo
LQD
iShares iBoxx $ Investment Grade Corporate Bond ETF
$18,698$812 4.5%170,5910.0%Finance
Dimensional Fund Advisors LP
$18,669$253 1.4%279,2630.0%US CORE EQUITY 1
Vanguard Long-Term Treasury ETF stock logo
VGLT
Vanguard Long-Term Treasury ETF
$18,507$5,212 -22.0%329,7770.0%ETF
Dimensional U.S. Targeted Value ETF stock logo
DFAT
Dimensional U.S. Targeted Value ETF
$18,506$1,803 10.8%342,9660.0%ETF
Summit Global Investments LLC
$18,258$2,052 12.7%711,8010.0%SGI ENHANCED COR
SPDR Nuveen ICE Short Term Municipal Bond ETF stock logo
SHM
SPDR Nuveen ICE Short Term Municipal Bond ETF
$16,831$7,216 -30.0%351,9010.0%Finance

Showing largest 100 holdings. View all holdings.
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