Betterment LLC
- SEC CIK
- 0001633901
- Latest filing
- Aug 14, 2026
Holdings in Q3 2025
Holdings as of Sep 30, 2025, filed Nov 13, 2025. Long positions only; changes compare share counts with Q2 2025.
- Positions
- 522
- +25 vs. Q2 2025
- Portfolio value
- $50.6B
- +$3.64B (+7.7%) vs. Q2 2025
| Security | Class | Shares | Value | % of portfolio | Share change | Action | History |
|---|---|---|---|---|---|---|---|
| Vanguard Morningstar Total Stock Market ETF922908769 | ETF | 25,782,400 | $8.46B | 16.7% | −521,287−2.0% | Reduced | – |
| Vanguard Ftse Developed Markets ETF921943858 | ETF | 137,447,739 | $8.24B | 16.3% | +3,364,345+2.5% | Added | – |
| State Street SPDR Portfolio S&P 500 ETF78464A854 | ETF | 78,546,237 | $6.15B | 12.2% | +4,636,693+6.3% | Added | – |
| Vanguard Ftse Emerging Markets ETF922042858 | ETF | 52,475,303 | $2.84B | 5.6% | −96,824−0.2% | Reduced | – |
| iShares Core U.S. Aggregate Bond ETF464287226 | ETF | 24,568,480 | $2.46B | 4.9% | +1,500,630+6.5% | Added | – |
| iShares Tr464288414 | NATIONAL MUN ETF | 17,343,529 | $1.85B | 3.7% | −1,240,704−6.7% | Reduced | – |
| iShares Tr464287150 | CORE S&P TTL STK | 10,939,405 | $1.59B | 3.1% | −335,914−3.0% | Reduced | – |
| State Street SPDR Portfolio S&P 400 Mid Cap ETF78464A847 | ETF | 20,126,277 | $1.15B | 2.3% | +970,630+5.1% | Added | – |
| Vanguard Morningstar Value ETF922908744 | ETF | 5,080,035 | $947.4M | 1.9% | −116,545−2.2% | Reduced | – |
| Vanguard Total International Bond ETF92203J407 | ETF | 18,361,174 | $908.1M | 1.8% | +837,203+4.8% | Added | – |
| iShares Core MSCI Eafe ETF46432F842 | ETF | 9,866,920 | $861.5M | 1.7% | −261,342−2.6% | Reduced | – |
| State Street SPDR Portfolio S&P 600 Small Cap ETF78468R853 | ETF | 18,142,585 | $840.4M | 1.7% | +525,892+3.0% | Added | – |
| Goldman Sachs ETF Tr381430503 | ACTIVEBETA US LG | 5,847,849 | $761.9M | 1.5% | +248,198+4.4% | Added | – |
| Vanguard Morningstar Mid-Cap Value ETF922908512 | ETF | 4,020,310 | $701.9M | 1.4% | −113,154−2.7% | Reduced | – |
| Vanguard Morningstar Small-Cap Value ETF922908611 | ETF | 3,100,066 | $647.0M | 1.3% | −100,405−3.1% | Reduced | – |
| iShares Tr464288281 | JPMORGAN USD EMG | 6,721,924 | $639.9M | 1.3% | −1,170,550−14.8% | Reduced | – |
| JPMorgan Ultra-Short Income ETF46641Q837 | ETF | 12,178,595 | $617.8M | 1.2% | +887,516+7.9% | Added | – |
| SPDR Series Trust78468R721 | STATE STREET SPD | 12,614,228 | $574.8M | 1.1% | −513,287−3.9% | Reduced | – |
| iShares Tr46435G425 | ESG AWR MSCI USA | 3,889,897 | $566.4M | 1.1% | +49,659+1.3% | Added | – |
| Goldman Sachs ETF Tr381430529 | ACCES TREASURY | 5,639,190 | $565.2M | 1.1% | −59,625−1.0% | Reduced | – |
| Schwab International Equity ETF808524805 | ETF | 22,372,945 | $520.8M | 1.0% | −569,196−2.5% | Reduced | – |
| Schwab U.S. Large-Cap ETF808524201 | ETF | 18,084,620 | $476.3M | 0.9% | −664,551−3.5% | Reduced | – |
| iShares Tr46429B747 | 0-5 YR TIPS ETF | 4,140,622 | $428.0M | 0.8% | +134,158+3.3% | Added | – |
| Schwab U.S. Broad Market ETF808524102 | ETF | 16,504,113 | $424.3M | 0.8% | −323,285−1.9% | Reduced | – |
| iShares Core MSCI Emerging Markets ETF46434G103 | ETF | 6,101,205 | $402.2M | 0.8% | −282,007−4.4% | Reduced | – |
| iShares Tr46435G516 | ESG AW MSCI EAFE | 3,888,708 | $361.6M | 0.7% | +32,544+0.8% | Added | – |
| Vanguard Mun BD FDS922907746 | TAX EXEMPT BD | 6,573,354 | $329.1M | 0.7% | +6,090,513+1,261.4% | Added | – |
| State Street SPDR Portfolio Developed World Ex-US ETF78463X889 | ETF | 7,498,060 | $320.8M | 0.6% | −228,799−3.0% | Reduced | – |
| iShares Tr46434V464 | LOW CA OP MS ETF | 1,292,244 | $293.2M | 0.6% | +6,595+0.5% | Added | – |
| iShares Russell Mid-Cap Value ETF464287473 | ETF | 1,594,763 | $222.7M | 0.4% | −44,847−2.7% | Reduced | – |
| Vanguard Emerging Markets Government Bond ETF921946885 | ETF | 3,314,686 | $221.8M | 0.4% | +1,845,386+125.6% | Added | – |
| Vanguard S&P 500 ETF922908363 | ETF | 303,612 | $185.9M | 0.4% | −321−0.1% | Reduced | – |
| Vanguard Morningstar Growth ETF922908736 | ETF | 305,906 | $146.7M | 0.3% | +15,751+5.4% | Added | – |
| iShares Inc46434G863 | ESG AWR MSCI EM | 3,277,758 | $142.3M | 0.3% | −68,784−2.1% | Reduced | – |
| Vanguard Total Bond Market ETF921937835 | ETF | 1,836,898 | $136.6M | 0.3% | −17,938−1.0% | Reduced | – |
| Goldman Sachs ETF Tr381430107 | ACTIVEBETA INT | 3,253,245 | $133.7M | 0.3% | +61,801+1.9% | Added | – |
| State Street SPDR Portfolio S&P 500 Value ETF78464A508 | ETF | 2,411,815 | $133.4M | 0.3% | −100,259−4.0% | Reduced | – |
| iShares Tr464287630 | RUS 2000 VAL ETF | 718,375 | $127.0M | 0.3% | −29,908−4.0% | Reduced | – |
| Schwab U.S. Large-Cap Value ETF808524409 | ETF | 4,251,449 | $123.8M | 0.2% | −110,829−2.5% | Reduced | – |
| Dimensional U.S. Core Equity 2 ETF25434V708 | ETF | 3,166,372 | $122.1M | 0.2% | +205,012+6.9% | Added | – |
| Engine No 1 ETF Trust29287L106 | TRANSFRM 500 ETF | 1,556,154 | $122.1M | 0.2% | +35,377+2.3% | Added | – |
| SPDR Series Trust78468R796 | ST STR SP500FF | 1,934,284 | $106.1M | 0.2% | +620.0% | Added | – |
| iShares Core S&P 500 ETF464287200 | ETF | 144,862 | $97.0M | 0.2% | −4,828−3.2% | Reduced | – |
| SPDR Ser Tr78468R648 | S&P KENSHO NEW | 1,506,644 | $93.8M | 0.2% | −11,353−0.7% | Reduced | – |
| Goldman Sachs ETF Tr381430206 | ACTIVEBETA EME | 2,174,673 | $88.6M | 0.2% | +75,819+3.6% | Added | – |
| Goldman Sachs ETF Tr381430305 | ACTIVEBETA EUR | 1,986,093 | $86.7M | 0.2% | +46,922+2.4% | Added | – |
| iShares Trust iShares 0-1 Year Treasury Bond ETF464288679 | ETF | 781,837 | $86.4M | 0.2% | −83,473−9.6% | Reduced | – |
| Vanguard Malvern FDS922020805 | STRM INFPROIDX | 1,638,838 | $83.0M | 0.2% | −94,269−5.4% | Reduced | – |
| SPDR Index Shs FDS78463X509 | ST PORT MARK ETF | 1,760,723 | $82.4M | 0.2% | −63,666−3.5% | Reduced | – |
| iShares Tr46435U663 | ESG AWARE MSCI | 1,780,747 | $80.3M | 0.2% | +33,569+1.9% | Added | – |
| iShares S&P 500 Value ETF464287408 | ETF | 378,298 | $78.1M | 0.2% | −10,533−2.7% | Reduced | – |
| iShares Tr46435G672 | CORE INTL AGGR | 1,482,783 | $76.0M | 0.2% | +16,330+1.1% | Added | – |
| iShares Esg Aware US Aggregate Bond ETF46435U549 | ETF | 1,523,360 | $73.2M | 0.1% | +94,963+6.6% | Added | – |
| IBITiShares Bitcoin Trust ETF | ETF | 1,085,559 | $70.6M | 0.1% | +202,418+22.9% | Added | History |
| Vanguard Morningstar Mid-Cap ETF922908629 | ETF | 238,877 | $70.2M | 0.1% | −5,244−2.1% | Reduced | – |
| SPDR Index Shs FDS78470E106 | ST STR MSCI EAFE | 1,406,903 | $69.4M | 0.1% | +30,476+2.2% | Added | – |
| J P Morgan Exchange Traded F46654Q815 | SUST MUNI IN ETF | 1,360,487 | $68.3M | 0.1% | +225,859+19.9% | Added | – |
| Vanguard World FD921910733 | ESG US STK ETF | 533,633 | $63.2M | 0.1% | −23,978−4.3% | Reduced | – |
| iShares Tr46435U440 | USD GRN BOND ETF | 1,259,094 | $60.6M | 0.1% | −51,582−3.9% | Reduced | – |
| Vanguard Morningstar Small-Cap ETF922908751 | ETF | 234,687 | $59.7M | 0.1% | −9,473−3.9% | Reduced | – |
| Goldman Sachs ETF Tr381430602 | ACTIVEBETA US | 791,873 | $59.3M | 0.1% | +29,206+3.8% | Added | – |
| iShares Tr46435U853 | BROAD USD HIGH | 1,510,820 | $57.1M | 0.1% | +216,309+16.7% | Added | – |
| iShares Tr46435G219 | INVT GRAD SY ETF | 1,213,586 | $55.9M | 0.1% | +526,254+76.6% | Added | – |
| AB Active ETFs Inc00039J509 | DISRUPTORS ETF | 504,303 | $51.0M | 0.1% | +63,313+14.4% | Added | – |
| Dimensional ETF Trust25434V799 | INTL CORE EQUITY | 1,553,680 | $50.9M | 0.1% | +100,741+6.9% | Added | – |
| Dimensional ETF Trust25434V872 | CORE FIXE IN ETF | 1,142,139 | $48.8M | 0.1% | +110,584+10.7% | Added | – |
| iShares Tr464288570 | ESG MSCI KLD ETF | 382,197 | $48.1M | 0.1% | −14,736−3.7% | Reduced | – |
| Goldman Sachs ETF Tr381430404 | ACTIVEBETA JAP | 1,061,442 | $47.9M | 0.1% | +68,292+6.9% | Added | – |
| Vanguard Short-Term Bond ETF921937827 | ETF | 600,389 | $47.4M | 0.1% | +30,133+5.3% | Added | – |
| Schwab U.S. Small-Cap ETF808524607 | ETF | 1,533,125 | $42.8M | 0.1% | −17,989−1.2% | Reduced | – |
| Invesco QQQ Trust Series I46090E103 | ETF | 70,473 | $42.3M | 0.1% | −2,979−4.1% | Reduced | – |
| Goldman Sachs ETF Tr38149W101 | ACCESS US AGRAT | 976,565 | $40.8M | 0.1% | +67,296+7.4% | Added | – |
| iShares Tr464288802 | ESG OPTIMIZED | 296,167 | $40.2M | 0.1% | −10,313−3.4% | Reduced | – |
| Goldman Sachs ETF Tr38149W549 | MUNI INCOME ETF | 775,892 | $39.5M | 0.1% | +245,844+46.4% | Added | – |
| Invesco Nasdaq 100 ETF46138G649 | ETF | 154,011 | $38.1M | 0.1% | +37,799+32.5% | Added | – |
| iShares Tr46435G193 | ESG AWRE USD ETF | 1,508,421 | $35.5M | 0.1% | +88,786+6.3% | Added | – |
| Goldman Sachs ETF Tr381430362 | ACCESS INFLATI | 688,553 | $34.4M | 0.1% | +107,750+18.6% | Added | – |
| Vanguard Dividend Appreciation ETF921908844 | ETF | 154,493 | $33.3M | 0.1% | +10,808+7.5% | Added | – |
| Vanguard Morningstar Large-Cap ETF922908637 | ETF | 107,343 | $33.0M | 0.1% | −10,423−8.9% | Reduced | – |
| iShares Tr46435G474 | FALN ANGLS USD | 1,131,975 | $31.4M | 0.1% | −686,906−37.8% | Reduced | – |
| Dimensional ETF Trust25434V203 | INTL CORE EQT MK | 831,482 | $30.2M | 0.1% | −33,086−3.8% | Reduced | – |
| iShares Tr46434V407 | 0-5YR HI YL CP | 696,542 | $30.2M | 0.1% | +104,908+17.7% | Added | – |
| Goldman Sachs ETF Tr381430479 | ACCESS INVT GR | 644,835 | $30.1M | 0.1% | −58,147−8.3% | Reduced | – |
| Dimensional ETF Trust25434V104 | US CORE EQT MKT | 635,040 | $29.1M | 0.1% | −34,257−5.1% | Reduced | – |
| Dimensional ETF Trust25434V732 | EMERGING MKTS CO | 855,439 | $27.4M | 0.1% | +42,887+5.3% | Added | – |
| ETHAiShares Ethereum Trust ETF | SHS | 862,405 | $27.2M | 0.1% | +84,511+10.9% | Added | History |
| Vanguard Star FDS921909768 | VG TL INTL STK F | 355,311 | $26.1M | 0.1% | +74,663+26.6% | Added | – |
| SPDR Index Shs FDS78470E205 | MSCI EMR MKT ETF | 616,039 | $25.8M | 0.1% | −25,619−4.0% | Reduced | – |
| Vanguard Morningstar Mid-Cap Growth ETF922908538 | ETF | 84,539 | $24.8M | <0.1% | +1,546+1.9% | Added | – |
| Goldman Sachs ETF Tr381430388 | ACCESS EMNG MKTS | 584,849 | $24.6M | <0.1% | +41,933+7.7% | Added | – |
| Vanguard Scottsdale FDS92206C565 | TOTAL WLD BD ETF | 334,391 | $23.3M | <0.1% | +24,785+8.0% | Added | – |
| Goldman Sachs ETF Tr381430396 | JUST US LRG CP | 246,140 | $23.1M | <0.1% | +8,052+3.4% | Added | – |
| Dimensional ETF Trust25434V625 | US COR EQU 1 ETF | 310,087 | $22.3M | <0.1% | +30,824+11.0% | Added | – |
| Dimensional ETF Trust25434V666 | US LARG VALU ETF | 673,543 | $22.2M | <0.1% | +69,719+11.5% | Added | – |
| Vanguard Intermediate-Term Bond ETF921937819 | ETF | 282,041 | $22.0M | <0.1% | +19,017+7.2% | Added | – |
| iShares Tr464288158 | SHRT NAT MUN ETF | 205,744 | $22.0M | <0.1% | −10,288−4.8% | Reduced | – |
| Dimensional U.S. Targeted Value ETF25434V609 | ETF | 358,136 | $20.8M | <0.1% | +15,170+4.4% | Added | – |
| RBB FD Inc74933W254 | SGI ENHANCED COR | 751,210 | $19.4M | <0.1% | +39,409+5.5% | Added | – |
| Vanguard Long-Term Treasury ETF92206C847 | ETF | 330,918 | $18.8M | <0.1% | +1,141+0.3% | Added | – |
| American Centy ETF Tr025072877 | US SML CP VALU | 183,623 | $18.3M | <0.1% | +4,325+2.4% | Added | – |
Sold out since Q2 2025 (9)
Positions held at the end of Q2 2025 that are gone from this filing.
| Security | Class | Shares in Q2 2025 | Value in Q2 2025 | % of portfolio in Q2 2025 | History |
|---|---|---|---|---|---|
| iShares Tr464288257 | MSCI ACWI ETF | 2,584 | $332.0K | <0.1% | – |
| First Tr Exchange-Traded FD33739Q200 | FST LOW OPPT EFT | 6,674 | $329.0K | <0.1% | – |
| Pacer US Small Cap Cash Cows ETF69374H857 | ETF | 7,590 | $302.0K | <0.1% | – |
| CSCOCisco Systems, Inc. | Stock | 4,093 | $284.0K | <0.1% | History |
| CRWDCrowdStrike Holdings, Inc. | Stock | 558 | $284.0K | <0.1% | History |
| GLDMWorld Gold Trust | SPDR GLD MINIS | 3,685 | $241.0K | <0.1% | History |
| Invesco Exch TRD SLF Idx FD46138J742 | RAFI STRATGIC US | 4,159 | $214.0K | <0.1% | – |
| Invesco Exchange Traded FD T46137V738 | LARGE CAP VALUE | 3,369 | $209.0K | <0.1% | – |
| Invesco Actvely MNGD Etc FD46090F100 | OPTIMUM YIELD | 11,428 | $149.0K | <0.1% | – |