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Betterment LLC Top Holdings and 13F Report (2026)

About Betterment LLC

Investment Activity

  • Betterment LLC has $52.79 million in total holdings as of March 31, 2026.
  • Betterment LLC owns shares of 615 different stocks, but just 20 companies or ETFs make up 80% of its holdings.
  • Approximately 3.48% of the portfolio was purchased this quarter.
  • About 1.82% of the portfolio was sold this quarter.
  • This quarter, Betterment LLC has purchased 551 new stocks and bought additional shares in 354 stocks.
  • Betterment LLC sold shares of 176 stocks and completely divested from 19 stocks this quarter.

Largest New Holdings this Quarter

922020755 - VANGUARD MALVERN FDS
$13,706 Holding
14021D107 - CAPITAL GROUP CORE BALANCED
$11,361 Holding
389930207 - GRAYSCALE BITCOIN MINI TR ET
$8,177 Holding
14021T102 - CAPITAL GROUP INTERNATIONAL
$1,647 Holding
025072158 - AMERICAN CENTY ETF TR
$1,084 Holding

Largest Purchases this Quarter

SPDR Portfolio S&P 500 ETF
8,041,014 shares (about $615.46K)
JPMorgan Core Plus Bond ETF
6,127,011 shares (about $288.46K)
Schwab US Large-Cap ETF
10,450,588 shares (about $267.95K)
Vanguard Emerging Markets Government Bond ETF
1,040,467 shares (about $68.35K)
iShares National Muni Bond ETF
593,514 shares (about $63.00K)

Largest Sales this Quarter

iShares Core U.S. Aggregate Bond ETF
2,350,108 shares (about $233.30K)
Vanguard Total Stock Market ETF
644,868 shares (about $206.88K)
SPDR Portfolio S&P 400 Mid Cap ETF
951,864 shares (about $56.37K)
Vanguard FTSE Developed Markets ETF
657,567 shares (about $42.14K)

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 FTSE Developed Markets ETF stock logo
VEA
Vanguard FTSE Developed Markets ETF
$8,838,606$42,137 â–¼-0.5%137,930,79916.7%ETF
Vanguard Total Stock Market ETF stock logo
VTI
Vanguard Total Stock Market ETF
$7,868,413$206,880 â–¼-2.6%24,526,70714.9%ETF
SPDR Portfolio S&P 500 ETF stock logo
SPLG
SPDR Portfolio S&P 500 ETF
$7,013,120$615,459 â–²9.6%91,626,85613.3%ETF
Vanguard FTSE Emerging Markets ETF stock logo
VWO
Vanguard FTSE Emerging Markets ETF
$2,884,742$19,516 â–¼-0.7%53,371,7275.5%ETF
iShares Core U.S. Aggregate Bond ETF stock logo
AGG
iShares Core U.S. Aggregate Bond ETF
$2,373,087$233,295 â–¼-9.0%23,905,3764.5%Finance
iShares National Muni Bond ETF stock logo
MUB
iShares National Muni Bond ETF
$2,078,813$63,002 â–²3.1%19,583,7323.9%ETF
iShares Core S&P Total U.S. Stock Market ETF stock logo
ITOT
iShares Core S&P Total U.S. Stock Market ETF
$1,512,311$8,963 â–¼-0.6%10,617,9292.9%ETF
SPDR Portfolio S&P 400 Mid Cap ETF stock logo
SPMD
SPDR Portfolio S&P 400 Mid Cap ETF
$1,196,202$56,369 â–¼-4.5%20,199,2972.3%ETF
Vanguard Value ETF stock logo
VTV
Vanguard Value ETF
$954,428$21,469 â–¼-2.2%4,864,5681.8%ETF
Vanguard Total International Bond ETF stock logo
BNDX
Vanguard Total International Bond ETF
$932,198$7,578 â–¼-0.8%19,400,5741.8%ETF
SPDR Portfolio S&P 600 Small Cap ETF stock logo
SPSM
SPDR Portfolio S&P 600 Small Cap ETF
$918,996$12,633 â–²1.4%19,018,9651.7%ETF
iShares Core MSCI EAFE ETF stock logo
IEFA
iShares Core MSCI EAFE ETF
$838,535$31,359 â–¼-3.6%9,262,5061.6%ETF
Schwab US Large-Cap ETF stock logo
SCHX
Schwab US Large-Cap ETF
$733,292$267,953 â–²57.6%28,599,5161.4%ETF
Goldman Sachs ActiveBeta U.S. Large Cap Equity ETF stock logo
GSLC
Goldman Sachs ActiveBeta U.S. Large Cap Equity ETF
$721,884$29,611 â–¼-3.9%5,769,0761.4%ETF
JPMorgan Ultra-Short Income ETF stock logo
JPST
JPMorgan Ultra-Short Income ETF
$690,930$23,834 â–²3.6%13,652,0391.3%ETF
Vanguard Mid-Cap Value ETF stock logo
VOE
Vanguard Mid-Cap Value ETF
$689,554$33,673 â–¼-4.7%3,741,8811.3%ETF
Vanguard Small-Cap Value ETF stock logo
VBR
Vanguard Small-Cap Value ETF
$633,746$22,276 â–¼-3.4%2,917,1281.2%ETF
Goldman Sachs Access Treasury 0-1 Year ETF stock logo
GBIL
Goldman Sachs Access Treasury 0-1 Year ETF
$611,075$23,745 â–²4.0%6,099,1661.2%ETF
iShares ESG Aware MSCI USA ETF stock logo
ESGU
iShares ESG Aware MSCI USA ETF
$571,608$16,591 â–²3.0%4,041,9161.1%Manufacturing
Schwab International Equity ETF stock logo
SCHF
Schwab International Equity ETF
$524,932$16,116 â–¼-3.0%21,209,3641.0%ETF
SPDR Nuveen ICE Municipal Bond ETF stock logo
TFI
SPDR Nuveen ICE Municipal Bond ETF
$524,293$24,605 â–¼-4.5%11,563,5951.0%Finance
iShares J.P. Morgan USD Emerging Markets Bond ETF stock logo
EMB
iShares J.P. Morgan USD Emerging Markets Bond ETF
$507,948$51,342 â–¼-9.2%5,407,7261.0%ETF
iShares 0-5 Year TIPS Bond ETF stock logo
STIP
iShares 0-5 Year TIPS Bond ETF
$464,150$11,968 â–²2.6%4,487,5800.9%ETF
Schwab US Broad Market ETF stock logo
SCHB
Schwab US Broad Market ETF
$394,518$11,004 â–¼-2.7%15,717,8540.7%ETF
iShares Core MSCI Emerging Markets ETF stock logo
IEMG
iShares Core MSCI Emerging Markets ETF
$394,328$18,056 â–¼-4.4%5,653,4460.7%ETF
SPDR Portfolio Developed World ex-US ETF stock logo
SPDW
SPDR Portfolio Developed World ex-US ETF
$377,358$38,877 â–²11.5%8,266,3350.7%ETF
iShares ESG Aware MSCI EAFE ETF stock logo
ESGD
iShares ESG Aware MSCI EAFE ETF
$374,724$2,688 â–¼-0.7%3,918,8910.7%Manufacturing
Vanguard Emerging Markets Government Bond ETF stock logo
VWOB
Vanguard Emerging Markets Government Bond ETF
$374,447$68,348 â–²22.3%5,700,2140.7%ETF
Vanguard Tax-Exempt Bond ETF stock logo
VTEB
Vanguard Tax-Exempt Bond ETF
$345,739$11,082 â–²3.3%6,930,0290.7%ETF
JPMorgan Core Plus Bond ETF stock logo
JCPB
JPMorgan Core Plus Bond ETF
$293,527$288,459 â–²5,692.1%6,234,6520.6%ETF
iShares MSCI ACWI Low Carbon Target ETF stock logo
CRBN
iShares MSCI ACWI Low Carbon Target ETF
$289,973$512 â–¼-0.2%1,301,4360.5%ETF
Vanguard S&P 500 ETF stock logo
VOO
Vanguard S&P 500 ETF
$228,522$41,775 â–²22.4%382,4320.4%ETF
iShares Russell Mid-Cap Value ETF stock logo
IWS
iShares Russell Mid-Cap Value ETF
$215,521$10,457 â–¼-4.6%1,478,8070.4%ETF
iShares ESG Aware MSCI EM ETF stock logo
ESGE
iShares ESG Aware MSCI EM ETF
$144,710$3,264 â–¼-2.2%3,182,5300.3%Manufacturing
Goldman Sachs ActiveBeta International Equity ETF stock logo
GSIE
Goldman Sachs ActiveBeta International Equity ETF
$141,902$8,402 â–²6.3%3,290,1000.3%ETF
Vanguard Growth ETF stock logo
VUG
Vanguard Growth ETF
$140,547$3,022 â–²2.2%321,7720.3%ETF
Dimensional U.S. Core Equity 2 ETF stock logo
DFAC
Dimensional U.S. Core Equity 2 ETF
$133,178$6,051 â–²4.8%3,427,1130.3%ETF
iShares Russell 2000 Value ETF stock logo
IWN
iShares Russell 2000 Value ETF
$127,503$4,428 â–¼-3.4%672,5190.2%ETF
SPDR Portfolio S&P 500 Value ETF stock logo
SPYV
SPDR Portfolio S&P 500 Value ETF
$127,155$4,733 â–¼-3.6%2,247,3540.2%ETF
TCW Transform 500 ETF stock logo
VOTE
TCW Transform 500 ETF
$123,258$3,269 â–²2.7%1,615,4360.2%ETF
Schwab U.S. Large-Cap Value ETF stock logo
SCHV
Schwab U.S. Large-Cap Value ETF
$122,029$3,560 â–¼-2.8%4,000,9480.2%ETF
Vanguard Total Bond Market ETF stock logo
BND
Vanguard Total Bond Market ETF
$117,960$8,562 â–¼-6.8%1,601,8430.2%ETF
iShares Core International Aggregate Bond ETF stock logo
IAGG
iShares Core International Aggregate Bond ETF
$111,267$20,247 â–²22.2%2,223,5530.2%ETF
SPDR S&P Fossil Fuel Reserves Free ETF stock logo
SPYX
SPDR S&P Fossil Fuel Reserves Free ETF
$104,537$1,655 â–²1.6%1,971,2820.2%ETF
SPDR Portfolio Emerging Markets ETF stock logo
SPEM
SPDR Portfolio Emerging Markets ETF
$100,797$17,937 â–²21.6%2,148,7330.2%ETF
iShares Core S&P 500 ETF stock logo
IVV
iShares Core S&P 500 ETF
$95,880$3,251 â–²3.5%146,7840.2%ETF
Goldman Sachs ActiveBeta Emerging Markets Equity ETF stock logo
GEM
Goldman Sachs ActiveBeta Emerging Markets Equity ETF
$89,503$4,462 â–¼-4.7%2,071,8370.2%ETF
SPDR S&P Kensho New Economies Composite ETF stock logo
KOMP
SPDR S&P Kensho New Economies Composite ETF
$86,891$588 â–¼-0.7%1,485,8190.2%ETF
JP Morgan Investment Management Inc
$84,455$5,060 â–²6.4%1,697,5840.2%SUSTAINABLE MUNI
iShares ESG Aware MSCI USA Small-Cap ETF stock logo
ESML
iShares ESG Aware MSCI USA Small-Cap ETF
$84,131$275 â–²0.3%1,789,2660.2%ETF
GSEU
Goldman Sachs ActiveBeta Europe Equity ETF
$82,842$6,213 â–¼-7.0%1,832,7820.2%ETF
iShares ESG Aware U.S. Aggregate Bond ETF stock logo
EAGG
iShares ESG Aware U.S. Aggregate Bond ETF
$78,932$555 â–²0.7%1,659,9860.1%ETF
iShares S&P 500 Value ETF stock logo
IVE
iShares S&P 500 Value ETF
$75,482$2,586 â–¼-3.3%357,4790.1%ETF
Vanguard Mid-Cap ETF stock logo
VO
Vanguard Mid-Cap ETF
$74,104$136 â–²0.2%258,0400.1%ETF
Vanguard Short-Term Inflation-Protected Securities ETF stock logo
VTIP
Vanguard Short-Term Inflation-Protected Securities ETF
$73,179$4,513 â–¼-5.8%1,465,0400.1%Manufacturing
iShares Short Treasury Bond ETF stock logo
SHV
iShares Short Treasury Bond ETF
$71,954$5,997 â–¼-7.7%651,8180.1%ETF
EFAX
SPDR MSCI EAFE Fossil Fuel Reserves Free ETF
$71,255$193 â–¼-0.3%1,431,6790.1%ETF
iShares Broad USD High Yield Corporate Bond ETF stock logo
USHY
iShares Broad USD High Yield Corporate Bond ETF
$70,221$4,087 â–²6.2%1,906,1120.1%ETF
iShares Investment Grade Systematic Bond ETF stock logo
IGEB
iShares Investment Grade Systematic Bond ETF
$68,913$4,205 â–²6.5%1,529,3580.1%ETF
Vanguard ESG U.S. Stock ETF stock logo
ESGV
Vanguard ESG U.S. Stock ETF
$67,929$8,013 â–²13.4%605,0530.1%ETF
iShares USD Green Bond ETF stock logo
BGRN
iShares USD Green Bond ETF
$65,563$1,689 â–²2.6%1,381,1550.1%Manufacturing
FWD
AB Disruptors ETF
$62,609$3,905 â–²6.7%576,7260.1%ETF
Vanguard Small-Cap ETF stock logo
VB
Vanguard Small-Cap ETF
$60,458$421 â–²0.7%230,8280.1%ETF
Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF stock logo
GSSC
Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF
$56,892$2,179 â–¼-3.7%763,1460.1%ETF
Dimensional International Core Equity 2 ETF stock logo
DFIC
Dimensional International Core Equity 2 ETF
$56,272$720 â–²1.3%1,583,8010.1%ETF
GSJY
Goldman Sachs ActiveBeta Japan Equity ETF
$54,837$2,787 â–²5.4%1,126,9470.1%ETF
Schwab US Small-Cap ETF stock logo
SCHA
Schwab US Small-Cap ETF
$53,504$4,163 â–²8.4%1,839,8960.1%ETF
Dimensional Core Fixed Income ETF stock logo
DFCF
Dimensional Core Fixed Income ETF
$53,052$3,254 â–²6.5%1,256,5550.1%ETF
Vanguard Short-Term Bond ETF stock logo
BSV
Vanguard Short-Term Bond ETF
$49,266$1,091 â–²2.3%628,3080.1%ETF
Goldman Sachs Asset Management LP
$47,778$5,399 â–²12.7%937,7510.1%MUNI INCOME ETF
Invesco NASDAQ 100 ETF stock logo
QQQM
Invesco NASDAQ 100 ETF
$47,770$6,405 â–²15.5%201,0370.1%ETF
Vanguard Large-Cap ETF stock logo
VV
Vanguard Large-Cap ETF
$47,210$14,965 â–²46.4%157,9730.1%ETF
BlackRock Fund Advisors
$43,821$2,090 â–¼-4.6%1,140,5860.1%SHS BEN INT
GCOR
Goldman Sachs Access U.S. Aggregate Bond ETF
$43,630$1,307 â–²3.1%1,055,9080.1%ETF
iShares ESG MSCI KLD 400 ETF stock logo
DSI
iShares ESG MSCI KLD 400 ETF
$42,386$2,265 â–¼-5.1%349,7490.1%ETF
GTIP
Goldman Sachs Access Inflation Protected USD Bond ETF
$42,266$4,896 â–²13.1%856,1150.1%ETF
Invesco QQQ stock logo
QQQ
Invesco QQQ
$38,463$1,448 â–¼-3.6%66,6390.1%Finance
iShares MSCI USA ESG Select ETF stock logo
SUSA
iShares MSCI USA ESG Select ETF
$36,950$1,054 â–¼-2.8%279,7090.1%ETF
iShares 0-5 Year High Yield Corporate Bond ETF stock logo
SHYG
iShares 0-5 Year High Yield Corporate Bond ETF
$36,949$1,927 â–²5.5%873,2830.1%ETF
iShares ESG Aware USD Corporate Bond ETF stock logo
SUSC
iShares ESG Aware USD Corporate Bond ETF
$36,870$203 â–¼-0.5%1,593,3410.1%Manufacturing
Vanguard Dividend Appreciation ETF stock logo
VIG
Vanguard Dividend Appreciation ETF
$34,206$186 â–¼-0.5%159,0550.1%ETF
Vanguard Total International Stock ETF stock logo
VXUS
Vanguard Total International Stock ETF
$33,576$4,059 â–²13.7%435,4350.1%ETF
Dimensional Emerging Markets Core Equity 2 ETF stock logo
DFEM
Dimensional Emerging Markets Core Equity 2 ETF
$31,975$1,233 â–²4.0%925,4680.1%ETF
iShares Flexible Income Active ETF stock logo
BINC
iShares Flexible Income Active ETF
$31,349$2,189 â–²7.5%603,6790.1%ETF
Dimensional International Core Equity Market ETF stock logo
DFAI
Dimensional International Core Equity Market ETF
$29,499$2,123 â–¼-6.7%757,1580.1%ETF
Dimensional US Large Cap Value ETF stock logo
DFLV
Dimensional US Large Cap Value ETF
$28,967$2,517 â–²9.5%811,1700.1%ETF
GEMD
Goldman Sachs Access Emerging Markets USD Bond ETF
$26,195$1,295 â–²5.2%632,7270.0%ETF
EEMX
SPDR MSCI Emerging Markets Fossil Fuel Reserves Free ETF
$25,887$781 â–¼-2.9%585,6840.0%ETF
Vanguard Total World Bond ETF stock logo
BNDW
Vanguard Total World Bond ETF
$25,421$718 â–²2.9%371,9180.0%ETF
Goldman Sachs Access Investment Grade Corporate Bond ETF stock logo
GIGB
Goldman Sachs Access Investment Grade Corporate Bond ETF
$25,306$3,943 â–¼-13.5%552,5250.0%ETF
Dimensional US Core Equity Market ETF stock logo
DFAU
Dimensional US Core Equity Market ETF
$25,190$2,094 â–¼-7.7%558,2840.0%ETF
Dimensional Fund Advisors LP
$24,732$54 â–²0.2%343,1220.0%US CORE EQUITY 1
Goldman Sachs JUST U.S. Large Cap Equity ETF stock logo
JUST
Goldman Sachs JUST U.S. Large Cap Equity ETF
$24,637$1,301 â–²5.6%266,3430.0%ETF
Vanguard Intermediate-Term Bond ETF stock logo
BIV
Vanguard Intermediate-Term Bond ETF
$23,922$444 â–²1.9%309,9500.0%ETF
Vanguard Mid-Cap Growth ETF stock logo
VOT
Vanguard Mid-Cap Growth ETF
$23,323$1,079 â–²4.9%90,6290.0%ETF
Dimensional U.S. Targeted Value ETF stock logo
DFAT
Dimensional U.S. Targeted Value ETF
$22,900$585 â–²2.6%366,7000.0%ETF
COMB
GraniteShares Bloomberg Commodity Broad Strategy No K-1 ETF
$20,700$3,346 â–²19.3%787,9550.0%Finance
iShares Treasury Floating Rate Bond ETF stock logo
TFLO
iShares Treasury Floating Rate Bond ETF
$20,601$798 â–²4.0%406,9010.0%ETF
iShares 0-3 Month Treasury Bond ETF stock logo
SGOV
iShares 0-3 Month Treasury Bond ETF
$20,546$5,137 â–²33.3%204,1140.0%ETF
iShares Short-Term National Muni Bond ETF stock logo
SUB
iShares Short-Term National Muni Bond ETF
$19,898$1,341 â–¼-6.3%186,8350.0%ETF

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