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 |
|---|---|---|---|---|---|---|---|
| Schwab U.S. Large-Cap ETF808524201 | ETF | 18,084,620 | $476.3M | 0.9% | −664,551−3.5% | Reduced | – |
| Schwab International Equity ETF808524805 | ETF | 22,372,945 | $520.8M | 1.0% | −569,196−2.5% | Reduced | – |
| Goldman Sachs ETF Tr381430529 | ACCES TREASURY | 5,639,190 | $565.2M | 1.1% | −59,625−1.0% | Reduced | – |
| iShares Tr46435G425 | ESG AWR MSCI USA | 3,889,897 | $566.4M | 1.1% | +49,659+1.3% | Added | – |
| SPDR Series Trust78468R721 | STATE STREET SPD | 12,614,228 | $574.8M | 1.1% | −513,287−3.9% | Reduced | – |
| JPMorgan Ultra-Short Income ETF46641Q837 | ETF | 12,178,595 | $617.8M | 1.2% | +887,516+7.9% | Added | – |
| iShares Tr464288281 | JPMORGAN USD EMG | 6,721,924 | $639.9M | 1.3% | −1,170,550−14.8% | Reduced | – |
| Vanguard Morningstar Small-Cap Value ETF922908611 | ETF | 3,100,066 | $647.0M | 1.3% | −100,405−3.1% | Reduced | – |
| Vanguard Morningstar Mid-Cap Value ETF922908512 | ETF | 4,020,310 | $701.9M | 1.4% | −113,154−2.7% | Reduced | – |
| Goldman Sachs ETF Tr381430503 | ACTIVEBETA US LG | 5,847,849 | $761.9M | 1.5% | +248,198+4.4% | Added | – |
| State Street SPDR Portfolio S&P 600 Small Cap ETF78468R853 | ETF | 18,142,585 | $840.4M | 1.7% | +525,892+3.0% | Added | – |
| iShares Core MSCI Eafe ETF46432F842 | ETF | 9,866,920 | $861.5M | 1.7% | −261,342−2.6% | Reduced | – |
| Vanguard Total International Bond ETF92203J407 | ETF | 18,361,174 | $908.1M | 1.8% | +837,203+4.8% | Added | – |
| Vanguard Morningstar Value ETF922908744 | ETF | 5,080,035 | $947.4M | 1.9% | −116,545−2.2% | Reduced | – |
| State Street SPDR Portfolio S&P 400 Mid Cap ETF78464A847 | ETF | 20,126,277 | $1.15B | 2.3% | +970,630+5.1% | Added | – |
| iShares Tr464287150 | CORE S&P TTL STK | 10,939,405 | $1.59B | 3.1% | −335,914−3.0% | Reduced | – |
| iShares Tr464288414 | NATIONAL MUN ETF | 17,343,529 | $1.85B | 3.7% | −1,240,704−6.7% | Reduced | – |
| iShares Core U.S. Aggregate Bond ETF464287226 | ETF | 24,568,480 | $2.46B | 4.9% | +1,500,630+6.5% | Added | – |
| Vanguard Ftse Emerging Markets ETF922042858 | ETF | 52,475,303 | $2.84B | 5.6% | −96,824−0.2% | Reduced | – |
| State Street SPDR Portfolio S&P 500 ETF78464A854 | ETF | 78,546,237 | $6.15B | 12.2% | +4,636,693+6.3% | Added | – |
| Vanguard Ftse Developed Markets ETF921943858 | ETF | 137,447,739 | $8.24B | 16.3% | +3,364,345+2.5% | Added | – |
| Vanguard Morningstar Total Stock Market ETF922908769 | ETF | 25,782,400 | $8.46B | 16.7% | −521,287−2.0% | Reduced | – |
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% | – |