Betterment LLC
- SEC CIK
- 0001633901
- Latest filing
- Aug 14, 2026
Holdings in Q4 2024
Holdings as of Dec 31, 2024, filed Feb 14, 2025. Long positions only; changes compare share counts with Q3 2024.
- Positions
- 444
- +23 vs. Q3 2024
- Portfolio value
- $41.9B
- +$48.1M (+0.1%) vs. Q3 2024
| Security | Class | Shares | Value | % of portfolio | Share change | Action | History |
|---|---|---|---|---|---|---|---|
| iShares Tr46435U853 | BROAD USD HIGH | 318,801 | $11.7M | <0.1% | +73,058+29.7% | Added | – |
| iShares Tr46434V860 | TRS FLT RT BD | 228,078 | $11.5M | <0.1% | −246,911−52.0% | Reduced | – |
| Schwab U.S. Small-Cap ETF808524607 | ETF | 443,404 | $11.5M | <0.1% | +146,690+49.4% | AddedConverted for a 2-for-1 split | – |
| iShares Core MSCI Europe ETF46434V738 | ETF | 208,729 | $11.3M | <0.1% | +151,315+263.6% | Added | – |
| iShares Tr46429B655 | FLTG RATE NT ETF | 215,420 | $11.0M | <0.1% | −41,414−16.1% | Reduced | – |
| Goldman Sachs ETF Tr381430362 | ACCESS INFLATI | 224,477 | $10.8M | <0.1% | +44,240+24.5% | Added | – |
| Cambria ETF Tr132061508 | GLB MOMENT ETF | 376,419 | $10.8M | <0.1% | −747−0.2% | Reduced | – |
| iShares Tr464288646 | ISHS 1-5YR INVS | 207,153 | $10.7M | <0.1% | −2,576−1.2% | Reduced | – |
| DBX ETF Tr233051432 | XTRACK USD HIGH | 282,217 | $10.2M | <0.1% | +47,724+20.4% | Added | – |
| Graniteshares ETF Tr38747R108 | BBG COMMD K 1 | 499,711 | $9.97M | <0.1% | +28,901+6.1% | Added | – |
| Dimensional ETF Trust25434V864 | SHOR DUR FIX ETF | 211,839 | $9.93M | <0.1% | +7,693+3.8% | Added | – |
| iShares Tr464288323 | NEW YORK MUN ETF | 179,326 | $9.54M | <0.1% | +18,255+11.3% | Added | – |
| Dimensional Emerging Core Equity Market ETF25434V302 | ETF | 371,348 | $9.42M | <0.1% | +33,991+10.1% | Added | – |
| iShares Tr464289511 | 10+ YR INVST GRD | 188,656 | $9.32M | <0.1% | +188,656 | New | – |
| Vanguard Morningstar Large-Cap ETF922908637 | ETF | 32,902 | $8.87M | <0.1% | −2,760−7.7% | Reduced | – |
| iShares Tr46435G250 | HIGH YLD SYSTM B | 180,280 | $8.47M | <0.1% | +28,599+18.9% | Added | – |
| Vanguard Whitehall FDS921946810 | INTL DVD ETF | 103,556 | $8.28M | <0.1% | +10,052+10.8% | Added | – |
| iShares Tr464288588 | MBS ETF | 89,700 | $8.22M | <0.1% | +4,686+5.5% | Added | – |
| Vanguard S&P 500 Value ETF921932703 | ETF | 44,116 | $8.14M | <0.1% | +7,243+19.6% | Added | – |
| Capital Grp Fixed Incm ETF T14020Y300 | US MULTI-SECTOR | 297,457 | $8.12M | <0.1% | +218,128+275.0% | Added | – |
| iShares Tr46434V381 | FUTU EXPO TE ETF | 133,701 | $7.98M | <0.1% | +1,197+0.9% | Added | – |
| Vanguard S&P 500 Growth ETF921932505 | ETF | 21,593 | $7.90M | <0.1% | −475−2.2% | Reduced | – |
| SPYSPDR S&P 500 ETF Trust | ETF | 12,918 | $7.57M | <0.1% | −61−0.5% | Reduced | History |
| Dimensional World Ex U.S. Core Equity 2 ETF25434V880 | ETF | 290,923 | $7.23M | <0.1% | +41,763+16.8% | Added | – |
| American Centy ETF Tr025072802 | INTL SMCP VLU | 107,945 | $7.03M | <0.1% | +7,372+7.3% | Added | – |
| VanEck Morningstar Wide Moat ETF92189F643 | ETF | 75,622 | $7.01M | <0.1% | +2,348+3.2% | Added | – |
| iShares Core S&P Small Cap ETF464287804 | ETF | 59,754 | $6.88M | <0.1% | −17,368−22.5% | Reduced | – |
| AAPLApple Inc. | Stock | 27,346 | $6.85M | <0.1% | +86+0.3% | Added | History |
| Vanguard Intl Equity Index F922042676 | GLB EX US ETF | 171,317 | $6.78M | <0.1% | −3,755−2.1% | Reduced | – |
| Dimensional ETF Trust25434V401 | US EQUI MARK ETF | 100,896 | $6.43M | <0.1% | −29,510−22.6% | Reduced | – |
| Invesco Nasdaq 100 ETF46138G649 | ETF | 29,151 | $6.13M | <0.1% | +3,810+15.0% | Added | – |
| Capital Grp Fixed Incm ETF T14020Y607 | SHOR DUR MUN ETF | 230,860 | $6.00M | <0.1% | +230,860 | New | – |
| WisdomTree Tr97717X578 | EM EX ST-OWNED | 182,485 | $5.56M | <0.1% | +12,818+7.6% | Added | – |
| Dimensional ETF Trust25434V823 | US REAL ESTA ETF | 227,353 | $5.29M | <0.1% | +19,178+9.2% | Added | – |
| iShares Tr464287432 | 20 YR TR BD ETF | 56,810 | $4.96M | <0.1% | +51,221+916.5% | Added | – |
| Dimensional ETF Trust25434V567 | GLOBAL CR ETF | 92,808 | $4.88M | <0.1% | +31,701+51.9% | Added | – |
| BITBBitwise Bitcoin ETF | SHS BEN INT | 91,529 | $4.65M | <0.1% | +15,494+20.4% | Added | History |
| Vanguard Real Estate ETF922908553 | ETF | 50,502 | $4.50M | <0.1% | −7,621−13.1% | Reduced | – |
| American Centy ETF Tr025072885 | US EQT ETF | 46,349 | $4.49M | <0.1% | +6,089+15.1% | Added | – |
| Schwab U.S. Large-Cap Growth ETF808524300 | ETF | 160,052 | $4.46M | <0.1% | −5,032−3.0% | ReducedConverted for a 4-for-1 split | – |
| iShares Tr464287440 | 7-10 YR TRSY BD | 47,830 | $4.42M | <0.1% | +3,367+7.6% | Added | – |
| Vanguard Scottsdale FDS92206C102 | SHORT TERM TREAS | 75,140 | $4.37M | <0.1% | +21,797+40.9% | Added | – |
| iShares Russell Top 200 Growth ETF464289438 | ETF | 18,543 | $4.36M | <0.1% | +4,796+34.9% | Added | – |
| Vanguard Morningstar Small-Cap Growth ETF922908595 | ETF | 15,476 | $4.33M | <0.1% | +90+0.6% | Added | – |
| Capital Group Dividend Value14020W106 | SHS CREAT UNIT | 121,622 | $4.29M | <0.1% | +75,403+163.1% | Added | – |
| iShares U S ETF Tr46431W838 | SHOR MAT MUN ETF | 85,643 | $4.28M | <0.1% | +39,883+87.2% | Added | – |
| SPDR Series Trust78468R747 | ST STR MSCI GEN | 36,441 | $4.22M | <0.1% | −124−0.3% | Reduced | – |
| Tidal Trust III45259A209 | NAACP MINO ETF | 101,034 | $4.13M | <0.1% | +646+0.6% | Added | – |
| Dimensional ETF Trust25434V807 | INTERNATNAL VAL | 112,204 | $3.98M | <0.1% | +5,650+5.3% | Added | – |
| Dimensional ETF Trust25434V781 | INTL SMALL CAP V | 148,195 | $3.94M | <0.1% | +54,007+57.3% | Added | – |
| First Tr Exchng Traded FD VI33740F805 | SMITH OPPORT FXD | 90,499 | $3.89M | <0.1% | +14,848+19.6% | Added | – |
| Goldman Sachs ETF Tr381430230 | ULTR SHOR BD ETF | 77,173 | $3.88M | <0.1% | +14,881+23.9% | Added | – |
| Vanguard Intermediate-Term Corporate Bond ETF92206C870 | ETF | 47,313 | $3.80M | <0.1% | +8,782+22.8% | Added | – |
| Dimensional ETF Trust25434V815 | US SMALL CAP ETF | 118,220 | $3.64M | <0.1% | +42,390+55.9% | Added | – |
| Vanguard Ftse All-World Ex-US Index Fund922042775 | ETF | 62,978 | $3.62M | <0.1% | −16,849−21.1% | Reduced | – |
| Vanguard Scottsdale FDS92206C409 | SHRT TRM CORP BD | 45,474 | $3.55M | <0.1% | +13,687+43.1% | Added | – |
| Janus Detroit STR Tr47103U886 | HENDRSN SHRT ETF | 71,937 | $3.52M | <0.1% | +51,249+247.7% | Added | – |
| iShares MSCI USA Momentum Factor ETF46432F396 | ETF | 16,882 | $3.49M | <0.1% | −355−2.1% | Reduced | – |
| Vanguard Mun BD FDS922907746 | TAX EXEMPT BD | 69,080 | $3.46M | <0.1% | +29,366+73.9% | Added | – |
| Dimensional ETF Trust25434V575 | INTL COR FIX ETF | 63,855 | $3.34M | <0.1% | +1,294+2.1% | Added | – |
| Dimensional ETF Trust25434V740 | EMERGING MKTS VA | 127,388 | $3.34M | <0.1% | +20,687+19.4% | Added | – |
| SPDR Series Trust78464A664 | ST LON TREAS ETF | 125,393 | $3.28M | <0.1% | +84,570+207.2% | Added | – |
| Vanguard Scottsdale FDS92206C706 | INTER TERM TREAS | 55,560 | $3.22M | <0.1% | +43,271+352.1% | Added | – |
| Dimensional ETF Trust25434V716 | US SUSTAINABILTY | 83,322 | $3.16M | <0.1% | +36,069+76.3% | Added | – |
| iShares Tr464288638 | ISHS 5-10YR INVT | 61,244 | $3.15M | <0.1% | −9,645−13.6% | Reduced | – |
| iShares Tr464288158 | SHRT NAT MUN ETF | 29,893 | $3.15M | <0.1% | +1,480+5.2% | Added | – |
| iShares S&P Mid-Cap 400 Value ETF464287705 | ETF | 24,856 | $3.11M | <0.1% | +1,038+4.4% | Added | – |
| Capital Grp Fixed Incm ETF T14020Y201 | MUN INM ETF | 112,265 | $3.02M | <0.1% | +112,265 | New | – |
| WisdomTree Tr97717W588 | US LARGECAP FUND | 48,923 | $2.99M | <0.1% | −4,724−8.8% | Reduced | – |
| SPDR Series Trust78468R622 | ST BLOO HIGH ETF | 31,045 | $2.96M | <0.1% | −20,805−40.1% | Reduced | – |
| Pacer US Cash Cows 100 ETF69374H881 | ETF | 51,799 | $2.93M | <0.1% | −3,496−6.3% | Reduced | – |
| VanEck ETF Trust92189F437 | FALLEN ANGEL HG | 101,473 | $2.91M | <0.1% | +10,021+11.0% | Added | – |
| Vanguard High Dividend Yield Index ETF921946406 | ETF | 22,301 | $2.85M | <0.1% | +2,256+11.3% | Added | – |
| State Street SPDR Portfolio S&P 500 Growth ETF78464A409 | ETF | 32,328 | $2.84M | <0.1% | +2,741+9.3% | Added | – |
| iShares Core S&P Mid-Cap ETF464287507 | ETF | 45,318 | $2.82M | <0.1% | +5,340+13.4% | Added | – |
| iShares U S ETF Tr46431W507 | SHOR DURA BD ETF | 53,591 | $2.71M | <0.1% | +907+1.7% | Added | – |
| Vanguard Total World Stock ETF922042742 | ETF | 22,825 | $2.68M | <0.1% | +410+1.8% | Added | – |
| iShares Russell 1000 Growth ETF464287614 | ETF | 6,653 | $2.67M | <0.1% | −47−0.7% | Reduced | – |
| Schwab US Dividend Equity ETF808524797 | ETF | 97,342 | $2.66M | <0.1% | +4,516+4.9% | AddedConverted for a 3-for-1 split | – |
| Fidelity Merrimack STR Tr316188309 | TOTAL BD ETF | 59,107 | $2.65M | <0.1% | +8,994+17.9% | Added | – |
| iShares Tr46436E718 | 0-3 MTH TREASURY | 26,046 | $2.61M | <0.1% | +227+0.9% | Added | – |
| iShares Tips Bond ETF464287176 | ETF | 24,370 | $2.60M | <0.1% | +4,080+20.1% | Added | – |
| WisdomTree Tr97717W125 | FUTRE STRAT FD | 74,212 | $2.59M | <0.1% | −1,191−1.6% | Reduced | – |
| MSFTMicrosoft Corp | Stock | 6,077 | $2.56M | <0.1% | +1,204+24.7% | Added | History |
| SPDR Series Trust78464A805 | ST STR PR SP1500 | 35,666 | $2.55M | <0.1% | +2,662+8.1% | Added | – |
| Dimensional ETF Trust25434V773 | INTL SMALL CAP E | 103,649 | $2.55M | <0.1% | +10,931+11.8% | Added | – |
| Vanguard Star FDS921909768 | VG TL INTL STK F | 41,485 | $2.44M | <0.1% | +7,762+23.0% | Added | – |
| Cambria ETF Tr132061888 | VALUE MOMENTUM | 81,114 | $2.42M | <0.1% | −1,751−2.1% | Reduced | – |
| VanEck ETF Trust92189H409 | HIGH YLD MUNIETF | 45,011 | $2.34M | <0.1% | +19,905+79.3% | Added | – |
| Vanguard Admiral FDS Inc921932828 | SMLLCP 600 IDX | 21,654 | $2.30M | <0.1% | +2,205+11.3% | Added | – |
| iShares MSCI Eafe ETF464287465 | ETF | 30,171 | $2.28M | <0.1% | +1,533+5.4% | Added | – |
| Invesco Exch Traded FD Tr II46138E339 | S&P 500 MOMNTM | 23,742 | $2.26M | <0.1% | +10,917+85.1% | Added | – |
| iShares Inc46434G822 | MSCI JAPAN ETF | 33,478 | $2.25M | <0.1% | +16,833+101.1% | Added | – |
| Vanguard Scottsdale FDS92206C565 | TOTAL WLD BD ETF | 32,923 | $2.25M | <0.1% | −27,587−45.6% | Reduced | – |
| Dimensional ETF Trust25434V831 | US HIGH PROF ETF | 65,554 | $2.21M | <0.1% | +29,634+82.5% | Added | – |
| Schwab U.S. Mid-Cap ETF808524508 | ETF | 79,708 | $2.21M | <0.1% | −3,140−3.8% | ReducedConverted for a 3-for-1 split | – |
| ETHWBitwise Ethereum ETF | SHS | 90,453 | $2.17M | <0.1% | +44,574+97.2% | Added | History |
| Schwab Emerging Markets Equity ETF808524706 | ETF | 80,523 | $2.14M | <0.1% | +1,348+1.7% | Added | – |
| First Trust Rising Dividend Achievers ETF33738R506 | ETF | 35,869 | $2.12M | <0.1% | +15,629+77.2% | Added | – |
| RBB FD Inc S74933W593 | GI US LARGE CAP ADDED | 64,446 | $2.11M | <0.1% | +12,868+24.9% | Added | – |
Sold out since Q3 2024 (11)
Positions held at the end of Q3 2024 that are gone from this filing.
| Security | Class | Shares in Q3 2024 | Value in Q3 2024 | % of portfolio in Q3 2024 | History |
|---|---|---|---|---|---|
| Capital Group Intl Focus EQT14019W109 | SHS CREAT UNIT | 19,631 | $529.0K | <0.1% | – |
| DBX ETF Tr233051242 | XTRCKR RUSL 1000 | 7,294 | $381.0K | <0.1% | – |
| Alpha Architect ETF Tr02072L102 | US QUAN VALUE | 7,959 | $367.0K | <0.1% | – |
| Innovator ETFs Trust45782C748 | US EQTY PWR BUF | 9,211 | $340.0K | <0.1% | – |
| Innovator ETFs Trust45782C680 | US EQTY PWR BF | 8,137 | $308.0K | <0.1% | – |
| Vanguard Health Care ETF92204A504 | ETF | 1,000 | $282.0K | <0.1% | – |
| Schwab US Aggregate Bond ETF808524839 | ETF | 5,781 | $275.0K | <0.1% | – |
| Alpha Architect ETF Tr02072L201 | INTL QUAN VALUE | 10,391 | $268.0K | <0.1% | – |
| Alpha Architect ETF Tr02072L300 | INTL QUAN MOMNTM | 9,038 | $260.0K | <0.1% | – |
| UNHUnitedHealth Group Inc | Stock | 425 | $248.0K | <0.1% | History |
| First Tr Exchange-Traded FD33734X846 | NASDAQ CYB ETF | 3,657 | $217.0K | <0.1% | – |