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Betterment LLC Top Holdings and 13F Report (2025)

About Betterment LLC

Investment Activity

  • Betterment LLC has $41.95 million in total holdings as of December 31, 2024.
  • Betterment LLC owns shares of 444 different stocks, but just 17 companies or ETFs make up 80% of its holdings.
  • Approximately 5.81% of the portfolio was purchased this quarter.
  • About 1.33% of the portfolio was sold this quarter.
  • This quarter, Betterment LLC has purchased 421 new stocks and bought additional shares in 288 stocks.
  • Betterment LLC sold shares of 117 stocks and completely divested from 11 stocks this quarter.

Largest New Holdings this Quarter

BlackRock Fund Advisors
$12,713 Holding
Capital Research and Management Co
$5,995 Holding

Largest Purchases this Quarter

Vanguard FTSE Developed Markets ETF
10,132,168 shares (about $484.52K)
Schwab US Broad Market ETF
11,718,291 shares (about $266.01K)
SPDR Portfolio S&P 500 ETF
3,824,688 shares (about $263.67K)
Schwab International Equity ETF
12,054,059 shares (about $223.00K)
iShares National Muni Bond ETF
1,371,663 shares (about $146.15K)

Largest Sales this Quarter

Vanguard Total Stock Market ETF
686,806 shares (about $199.04K)
Vanguard Value ETF
340,576 shares (about $57.66K)
iShares Core S&P Total U.S. Stock Market ETF
328,010 shares (about $42.19K)
iShares Core MSCI Emerging Markets ETF
649,144 shares (about $33.90K)

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
$7,815,914$199,043 -2.5%26,969,09618.6%ETF
Vanguard FTSE Developed Markets ETF stock logo
VEA
Vanguard FTSE Developed Markets ETF
$6,574,541$484,520 8.0%137,485,17615.7%ETF
SPDR Portfolio S&P 500 ETF stock logo
SPLG
SPDR Portfolio S&P 500 ETF
$3,647,780$263,674 7.8%52,912,3848.7%ETF
Vanguard FTSE Emerging Markets ETF stock logo
VWO
Vanguard FTSE Emerging Markets ETF
$2,633,565$42,330 1.6%59,799,3916.3%ETF
iShares National Muni Bond ETF stock logo
MUB
iShares National Muni Bond ETF
$1,945,417$146,151 8.1%18,258,2594.6%ETF
iShares Core U.S. Aggregate Bond ETF stock logo
AGG
iShares Core U.S. Aggregate Bond ETF
$1,927,669$109,455 6.0%19,893,3884.6%Finance
iShares Core S&P Total U.S. Stock Market ETF stock logo
ITOT
iShares Core S&P Total U.S. Stock Market ETF
$1,517,828$42,189 -2.7%11,800,8743.6%ETF
Vanguard Total International Bond ETF stock logo
BNDX
Vanguard Total International Bond ETF
$1,027,209$8,302 0.8%20,942,0742.4%ETF
SPDR Portfolio S&P 400 Mid Cap ETF stock logo
SPMD
SPDR Portfolio S&P 400 Mid Cap ETF
$980,755$35,400 3.7%17,932,9882.3%ETF
Vanguard Value ETF stock logo
VTV
Vanguard Value ETF
$922,460$57,660 -5.9%5,448,6712.2%ETF
iShares J.P. Morgan USD Emerging Markets Bond ETF stock logo
EMB
iShares J.P. Morgan USD Emerging Markets Bond ETF
$804,391$27,587 3.6%9,034,0361.9%ETF
iShares Core MSCI EAFE ETF stock logo
IEFA
iShares Core MSCI EAFE ETF
$798,841$431 -0.1%11,366,5491.9%ETF
Vanguard Mid-Cap Value ETF stock logo
VOE
Vanguard Mid-Cap Value ETF
$729,437$27,755 -3.7%4,509,0991.7%ETF
SPDR Portfolio S&P 600 Small Cap ETF stock logo
SPSM
SPDR Portfolio S&P 600 Small Cap ETF
$726,074$31,123 4.5%16,163,7201.7%ETF
Vanguard Small-Cap Value ETF stock logo
VBR
Vanguard Small-Cap Value ETF
$702,899$29,927 -4.1%3,546,7721.7%ETF
Goldman Sachs ActiveBeta U.S. Large Cap Equity ETF stock logo
GSLC
Goldman Sachs ActiveBeta U.S. Large Cap Equity ETF
$615,773$14,113 2.3%5,346,1821.5%ETF
Goldman Sachs Access Treasury 0-1 Year ETF stock logo
GBIL
Goldman Sachs Access Treasury 0-1 Year ETF
$562,347$21,098 3.9%5,627,9681.3%ETF
Schwab International Equity ETF stock logo
SCHF
Schwab International Equity ETF
$454,177$223,000 96.5%24,550,1191.1%ETF
iShares ESG Aware MSCI USA ETF stock logo
ESGU
iShares ESG Aware MSCI USA ETF
$422,178$5,238 -1.2%3,277,2721.0%Manufacturing
iShares Core MSCI Emerging Markets ETF stock logo
IEMG
iShares Core MSCI Emerging Markets ETF
$418,118$33,898 -7.5%8,006,8571.0%ETF
iShares 0-5 Year TIPS Bond ETF stock logo
STIP
iShares 0-5 Year TIPS Bond ETF
$407,476$18,241 4.7%4,050,4621.0%ETF
Schwab US Broad Market ETF stock logo
SCHB
Schwab US Broad Market ETF
$403,461$266,005 193.5%17,773,6201.0%ETF
SPDR Nuveen Barclays Municipal Bond ETF stock logo
TFI
SPDR Nuveen Barclays Municipal Bond ETF
$323,350$10,979 3.5%7,087,8990.8%Finance
JPMorgan Ultra-Short Income ETF stock logo
JPST
JPMorgan Ultra-Short Income ETF
$313,103$24,905 8.6%6,216,0530.7%ETF
iShares ESG Aware MSCI EAFE ETF stock logo
ESGD
iShares ESG Aware MSCI EAFE ETF
$259,174$4,090 1.6%3,403,9200.6%Manufacturing
iShares MSCI ACWI Low Carbon Target ETF stock logo
CRBN
iShares MSCI ACWI Low Carbon Target ETF
$251,487$1,755 0.7%1,299,0710.6%ETF
iShares Russell Mid-Cap Value ETF stock logo
IWS
iShares Russell Mid-Cap Value ETF
$232,192$7,774 -3.2%1,795,2050.6%ETF
SPDR Portfolio Developed World ex-US ETF stock logo
SPDW
SPDR Portfolio Developed World ex-US ETF
$211,662$109,215 106.6%6,201,6420.5%ETF
Goldman Sachs ActiveBeta International Equity ETF stock logo
GSIE
Goldman Sachs ActiveBeta International Equity ETF
$169,888$31,058 -15.5%5,095,6110.4%ETF
iShares Short Treasury Bond ETF stock logo
SHV
iShares Short Treasury Bond ETF
$143,498$10,490 -6.8%1,303,2240.3%ETF
Schwab US Large-Cap ETF stock logo
SCHX
Schwab US Large-Cap ETF
$139,620$93,543 203.0%6,023,3000.3%ETF
SPDR Portfolio S&P 500 Value ETF stock logo
SPYV
SPDR Portfolio S&P 500 Value ETF
$138,866$8,848 -6.0%2,715,4180.3%ETF
iShares Russell 2000 Value ETF stock logo
IWN
iShares Russell 2000 Value ETF
$136,109$6,674 -4.7%829,0760.3%ETF
Vanguard S&P 500 ETF stock logo
VOO
Vanguard S&P 500 ETF
$128,660$1,966 1.6%238,7850.3%ETF
Vanguard Short-Term Inflation-Protected Securities ETF stock logo
VTIP
Vanguard Short-Term Inflation-Protected Securities ETF
$121,757$14,092 -10.4%2,514,6100.3%Manufacturing
Schwab U.S. Large-Cap Value ETF stock logo
SCHV
Schwab U.S. Large-Cap Value ETF
$121,298$79,438 189.8%4,652,7990.3%ETF
Vanguard Total Bond Market ETF stock logo
BND
Vanguard Total Bond Market ETF
$120,752$6,223 5.4%1,679,2160.3%ETF
Vanguard Emerging Markets Government Bond ETF stock logo
VWOB
Vanguard Emerging Markets Government Bond ETF
$116,964$2,697 -2.3%1,852,1560.3%ETF
iShares ESG Aware MSCI EM ETF stock logo
ESGE
iShares ESG Aware MSCI EM ETF
$113,236$5,087 4.7%3,391,3170.3%Manufacturing
Vanguard Growth ETF stock logo
VUG
Vanguard Growth ETF
$105,186$16,236 18.3%256,2760.3%ETF
iShares Core S&P 500 ETF stock logo
IVV
iShares Core S&P 500 ETF
$93,524$2,238 -2.3%158,8710.2%ETF
SPDR S&P Fossil Fuel Reserves Free ETF stock logo
SPYX
SPDR S&P Fossil Fuel Reserves Free ETF
$93,083$1,657 -1.7%1,933,1850.2%ETF
SPDR S&P Kensho New Economies Composite ETF stock logo
KOMP
SPDR S&P Kensho New Economies Composite ETF
$92,838$7,847 9.2%1,826,4500.2%ETF
TCW Transform 500 ETF stock logo
VOTE
TCW Transform 500 ETF
$87,672$3,107 3.7%1,274,4940.2%ETF
iShares S&P 500 Value ETF stock logo
IVE
iShares S&P 500 Value ETF
$79,412$2,177 -2.7%416,0310.2%ETF
Dimensional U.S. Core Equity 2 ETF stock logo
DFAC
Dimensional U.S. Core Equity 2 ETF
$78,530$5,401 7.4%2,270,2950.2%ETF
iShares Core International Aggregate Bond ETF stock logo
IAGG
iShares Core International Aggregate Bond ETF
$72,366$258 0.4%1,449,6480.2%ETF
iShares ESG Aware MSCI USA Small-Cap ETF stock logo
ESML
iShares ESG Aware MSCI USA Small-Cap ETF
$67,391$4,681 7.5%1,602,6290.2%ETF
GSEU
Goldman Sachs ActiveBeta Europe Equity ETF
$65,818$32,171 95.6%1,898,9660.2%ETF
iShares USD Green Bond ETF stock logo
BGRN
iShares USD Green Bond ETF
$60,282$3,585 6.3%1,293,0550.1%Manufacturing
EFAX
SPDR MSCI EAFE Fossil Fuel Reserves Free ETF
$57,159$4,384 8.3%1,435,7880.1%ETF
Goldman Sachs Access Investment Grade Corporate Bond ETF stock logo
GIGB
Goldman Sachs Access Investment Grade Corporate Bond ETF
$56,310$11,561 25.8%1,249,4000.1%ETF
Goldman Sachs ActiveBeta Emerging Markets Equity ETF stock logo
GEM
Goldman Sachs ActiveBeta Emerging Markets Equity ETF
$55,679$2,683 5.1%1,744,3340.1%ETF
Dimensional US Core Equity Market ETF stock logo
DFAU
Dimensional US Core Equity Market ETF
$50,272$2,758 5.8%1,241,5820.1%ETF
iShares MSCI KLD 400 Social ETF stock logo
DSI
iShares MSCI KLD 400 Social ETF
$46,869$1,638 -3.4%425,1140.1%ETF
Vanguard ESG US Stock ETF stock logo
ESGV
Vanguard ESG US Stock ETF
$43,427$891 -2.0%414,0230.1%ETF
iShares ESG Aware U.S. Aggregate Bond ETF stock logo
EAGG
iShares ESG Aware U.S. Aggregate Bond ETF
$41,708$151 0.4%898,1150.1%ETF
Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF stock logo
GSSC
Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF
$41,435$9,058 -17.9%599,3780.1%ETF
BlackRock Fund Advisors
$40,757$38,874 2,064.3%768,2720.1%SHS BEN INT
Vanguard Short-Term Bond ETF stock logo
BSV
Vanguard Short-Term Bond ETF
$40,337$2,199 5.8%522,0220.1%ETF
Invesco QQQ stock logo
QQQ
Invesco QQQ
$36,532$12,761 53.7%71,4590.1%Finance
Dimensional International Core Equity Market ETF stock logo
DFAI
Dimensional International Core Equity Market ETF
$35,823$4,647 14.9%1,226,8030.1%ETF
Dimensional Core Fixed Income ETF stock logo
DFCF
Dimensional Core Fixed Income ETF
$34,922$3,640 11.6%846,1930.1%ETF
Vanguard Small-Cap ETF stock logo
VB
Vanguard Small-Cap ETF
$34,913$944 -2.6%145,3000.1%ETF
Dimensional International Core Equity 2 ETF stock logo
DFIC
Dimensional International Core Equity 2 ETF
$33,810$3,181 10.4%1,307,9290.1%ETF
iShares Fallen Angels USD Bond ETF stock logo
FALN
iShares Fallen Angels USD Bond ETF
$31,815$5,753 22.1%1,191,1430.1%Manufacturing
iShares ESG Aware USD Corporate Bond ETF stock logo
SUSC
iShares ESG Aware USD Corporate Bond ETF
$30,660$4,489 17.2%1,349,4650.1%Manufacturing
SPDR Portfolio Emerging Markets ETF stock logo
SPEM
SPDR Portfolio Emerging Markets ETF
$28,197$5,733 25.5%734,8750.1%ETF
SPDR Nuveen Barclays Short Term Municipal Bond ETF stock logo
SHM
SPDR Nuveen Barclays Short Term Municipal Bond ETF
$27,383$15,426 -36.0%577,8190.1%Finance
EEMX
SPDR MSCI Emerging Markets Fossil Fuel Reserves Free ETF
$25,700$64 0.2%795,6590.1%ETF
Vanguard Dividend Appreciation ETF stock logo
VIG
Vanguard Dividend Appreciation ETF
$24,376$4,096 20.2%124,4760.1%ETF
GSJY
Goldman Sachs ActiveBeta Japan Equity ETF
$24,210$14,287 144.0%642,5210.1%ETF
JP Morgan Investment Management Inc
$23,034$8,635 60.0%460,0290.1%SUSTAINABLE MUNI
iShares MSCI USA ESG Select ETF stock logo
SUSA
iShares MSCI USA ESG Select ETF
$22,540$572 -2.5%185,3760.1%ETF
GCOR
Goldman Sachs Access U.S. Aggregate Bond ETF
$22,513$697 -3.0%558,2250.1%ETF
Dimensional Emerging Markets Core Equity 2 ETF stock logo
DFEM
Dimensional Emerging Markets Core Equity 2 ETF
$21,578$1,702 8.6%823,9190.1%ETF
iShares Investment Grade Bond Factor ETF stock logo
IGEB
iShares Investment Grade Bond Factor ETF
$21,366$3,970 22.8%481,6610.1%ETF
Vanguard Long-Term Treasury Index ETF stock logo
VGLT
Vanguard Long-Term Treasury Index ETF
$21,351$3,432 19.2%385,7440.1%ETF
Vanguard Mid-Cap Growth ETF stock logo
VOT
Vanguard Mid-Cap Growth ETF
$19,483$2 0.0%76,7790.0%ETF
iShares 1-3 Year Treasury Bond ETF stock logo
SHY
iShares 1-3 Year Treasury Bond ETF
$19,360$2,018 11.6%236,1540.0%Manufacturing
GEMD
Goldman Sachs Access Emerging Markets USD Bond ETF
$19,360$1,916 11.0%485,7050.0%ETF
iShares 0-5 Year High Yield Corporate Bond ETF stock logo
SHYG
iShares 0-5 Year High Yield Corporate Bond ETF
$17,066$2,449 16.8%400,5150.0%ETF
iShares iBoxx $ Investment Grade Corporate Bond ETF stock logo
LQD
iShares iBoxx $ Investment Grade Corporate Bond ETF
$16,555$2,700 19.5%154,9540.0%Finance
Dimensional Fund Advisors LP
$16,429$244 1.5%256,0600.0%US CORE EQUITY 1
Vanguard Intermediate-Term Bond ETF stock logo
BIV
Vanguard Intermediate-Term Bond ETF
$16,418$1,462 9.8%219,7010.0%ETF
Vanguard Mid-Cap ETF stock logo
VO
Vanguard Mid-Cap ETF
$16,383$6,257 61.8%62,0280.0%ETF
Avantis U.S. Small Cap Value ETF stock logo
AVUV
Avantis U.S. Small Cap Value ETF
$14,908$288 2.0%154,4440.0%ETF
Vanguard Ultra-Short Bond ETF stock logo
VUSB
Vanguard Ultra-Short Bond ETF
$14,843$347 2.4%299,1380.0%ETF
Dimensional U.S. Targeted Value ETF stock logo
DFAT
Dimensional U.S. Targeted Value ETF
$14,626$770 5.6%262,7800.0%ETF
Goldman Sachs Access High Yield Corporate Bond ETF stock logo
GHYB
Goldman Sachs Access High Yield Corporate Bond ETF
$14,213$6,367 -30.9%319,7520.0%ETF
Dimensional US Large Cap Value ETF stock logo
DFLV
Dimensional US Large Cap Value ETF
$13,151$2,247 20.6%437,9300.0%ETF
Vanguard Long-Term Bond ETF stock logo
BLV
Vanguard Long-Term Bond ETF
$12,961$1,235 10.5%189,4120.0%ETF
Summit Global Investments LLC
$12,860$4,111 47.0%503,1170.0%SGI ENHANCED COR
iShares J.P. Morgan EM High Yield Bond ETF stock logo
EMHY
iShares J.P. Morgan EM High Yield Bond ETF
$12,744$5,421 74.0%335,5480.0%ETF
BlackRock Fund Advisors
$12,713$12,713 New Holding502,6860.0%SHS
Vanguard Mortgage-Backed Securities ETF stock logo
VMBS
Vanguard Mortgage-Backed Securities ETF
$12,367$599 5.1%272,7590.0%ETF
Schwab U.S. REIT ETF stock logo
SCHH
Schwab U.S. REIT ETF
$12,270$738 6.4%582,6270.0%ETF
iShares California Muni Bond ETF stock logo
CMF
iShares California Muni Bond ETF
$12,089$937 8.4%211,0490.0%ETF
Goldman Sachs JUST U.S. Large Cap Equity ETF stock logo
JUST
Goldman Sachs JUST U.S. Large Cap Equity ETF
$11,869$11,869 New Holding142,7760.0%ETF
SPDR Nuveen Bloomberg High Yield Municipal Bond ETF stock logo
HYMB
SPDR Nuveen Bloomberg High Yield Municipal Bond ETF
$11,787$492 4.4%460,7930.0%ETF

Showing largest 100 holdings. View all holdings.
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