Betterment LLC
- SEC CIK
- 0001633901
- Latest filing
- Aug 14, 2026
Holdings in Q4 2025
Holdings as of Dec 31, 2025, filed Feb 12, 2026. Long positions only; changes compare share counts with Q3 2025.
- Positions
- 551
- +29 vs. Q3 2025
- Portfolio value
- $52.5B
- +$1.89B (+3.7%) vs. Q3 2025
| Security | Class | Shares | Value | % of portfolio | Share change | Action | History |
|---|---|---|---|---|---|---|---|
| iShares Broad Usd Investment Grade Corporate Bond ETF464288620 | ETF | 346,088 | $17.9M | <0.1% | +53,788+18.4% | Added | – |
| American Centy ETF Tr025072877 | US SML CP VALU | 175,362 | $17.9M | <0.1% | −8,261−4.5% | Reduced | – |
| iShares Iboxx $ Investment Grade Corporate Bond ETF464287242 | ETF | 158,661 | $17.5M | <0.1% | −4,311−2.6% | Reduced | – |
| BlackRock ETF Trust II092528504 | ISHARES AAA CLO | 324,160 | $16.8M | <0.1% | +324,160 | New | – |
| iShares Tr46429B291 | A RATE CP BD ETF | 344,382 | $16.6M | <0.1% | +344,382 | New | – |
| iShares Tr46435G250 | HIGH YLD SYSTM B | 344,845 | $16.3M | <0.1% | +54,126+18.6% | Added | – |
| Schwab U.S. REIT ETF808524847 | ETF | 769,210 | $16.1M | <0.1% | +61,581+8.7% | Added | – |
| SPDR Series Trust78468R739 | ST NUVE TERM ETF | 325,174 | $15.6M | <0.1% | −12,978−3.8% | Reduced | – |
| iShares Tr46436E718 | 0-3 MTH TREASURY | 153,084 | $15.4M | <0.1% | +62,784+69.5% | Added | – |
| Vanguard Mortgage-Backed Securities ETF92206C771 | ETF | 312,948 | $14.7M | <0.1% | +10,989+3.6% | Added | – |
| iShares Tr464288646 | ISHS 1-5YR INVS | 277,271 | $14.7M | <0.1% | +41,309+17.5% | Added | – |
| iShares Tr464287440 | 7-10 YR TRSY BD | 151,812 | $14.6M | <0.1% | +19,047+14.3% | Added | – |
| iShares Core MSCI Europe ETF46434V738 | ETF | 205,241 | $14.6M | <0.1% | −10,216−4.7% | Reduced | – |
| Vanguard BD Index FDS921937793 | LONG TERM BOND | 208,990 | $14.5M | <0.1% | +4,959+2.4% | Added | – |
| Dimensional ETF Trust25434V815 | US SMALL CAP ETF | 435,005 | $14.3M | <0.1% | +8,720+2.0% | Added | – |
| Dimensional ETF Trust25434V401 | US EQUI MARK ETF | 189,498 | $14.1M | <0.1% | +6,569+3.6% | Added | – |
| Graniteshares ETF Tr38747R108 | BBG COMMD K 1 | 660,590 | $13.9M | <0.1% | +43,429+7.0% | Added | – |
| iShares Tr464289511 | 10+ YR INVST GRD | 275,576 | $13.9M | <0.1% | +42,869+18.4% | Added | – |
| Dimensional ETF Trust25434V781 | INTL SMALL CAP V | 361,688 | $13.7M | <0.1% | +19,865+5.8% | Added | – |
| iShares Tr464288356 | CALIF MUN BD ETF | 231,306 | $13.3M | <0.1% | +13,911+6.4% | Added | – |
| SPYSPDR S&P 500 ETF Trust | ETF | 19,400 | $13.2M | <0.1% | +2,813+17.0% | Added | History |
| Vanguard S&P 500 Growth ETF921932505 | ETF | 29,073 | $12.9M | <0.1% | −236−0.8% | Reduced | – |
| Vanguard Intl Equity Index F922042676 | GLB EX US ETF | 266,863 | $12.2M | <0.1% | +4,768+1.8% | Added | – |
| Dimensional World Ex U.S. Core Equity 2 ETF25434V880 | ETF | 372,014 | $12.2M | <0.1% | +2,608+0.7% | Added | – |
| Cambria ETF Tr132061508 | GLB MOMENT ETF | 361,904 | $12.1M | <0.1% | −10,110−2.7% | Reduced | – |
| DBX ETF Tr233051432 | XTRACK USD HIGH | 326,123 | $12.0M | <0.1% | +28,473+9.6% | Added | – |
| Vanguard Whitehall FDS921946810 | INTL DVD ETF | 121,286 | $11.1M | <0.1% | +4,740+4.1% | Added | – |
| Dimensional ETF Trust25434V716 | US SUSTAINABILTY | 253,119 | $11.0M | <0.1% | +30,575+13.7% | Added | – |
| Dimensional Emerging Core Equity Market ETF25434V302 | ETF | 321,935 | $10.5M | <0.1% | −15,527−4.6% | Reduced | – |
| Dimensional ETF Trust25434V864 | SHOR DUR FIX ETF | 218,483 | $10.5M | <0.1% | +4,289+2.0% | Added | – |
| Vanguard S&P 500 Value ETF921932703 | ETF | 46,984 | $9.63M | <0.1% | −657−1.4% | Reduced | – |
| iShares Tr464287432 | 20 YR TR BD ETF | 108,853 | $9.49M | <0.1% | +16,520+17.9% | Added | – |
| Dimensional ETF Trust25434V567 | GLOBAL CR ETF | 163,974 | $8.89M | <0.1% | +19,678+13.6% | Added | – |
| AAPLApple Inc. | Stock | 32,566 | $8.85M | <0.1% | +2,510+8.4% | Added | History |
| Capital Grp Fixed Incm ETF T14020Y300 | US MULTI-SECTOR | 315,747 | $8.72M | <0.1% | +9,409+3.1% | Added | – |
| American Centy ETF Tr025072802 | INTL SMCP VLU | 91,646 | $8.61M | <0.1% | −7,163−7.2% | Reduced | – |
| iShares Tr464288323 | NEW YORK MUN ETF | 156,208 | $8.36M | <0.1% | +5,507+3.7% | Added | – |
| iShares Tr464287457 | 1 3 YR TREAS BD | 99,270 | $8.22M | <0.1% | +15,945+19.1% | Added | – |
| Dimensional ETF Trust25434V823 | US REAL ESTA ETF | 354,442 | $8.12M | <0.1% | +6,337+1.8% | Added | – |
| Dimensional ETF Trust25434V831 | US HIGH PROF ETF | 211,408 | $8.04M | <0.1% | +13,478+6.8% | Added | – |
| iShares Tr46434V613 | CORE UNIVRSL USD | 171,750 | $7.99M | <0.1% | +65,759+62.0% | Added | – |
| iShares Tr464288638 | ISHS 5-10YR INVT | 147,060 | $7.92M | <0.1% | +22,001+17.6% | Added | – |
| Schwab U.S. Large-Cap Growth ETF808524300 | ETF | 242,522 | $7.91M | <0.1% | +11,204+4.8% | Added | – |
| American Centy ETF Tr025072885 | US EQT ETF | 70,160 | $7.84M | <0.1% | +1,235+1.8% | Added | – |
| Dimensional ETF Trust25434V583 | GLOB CO PLUS ETF | 141,867 | $7.67M | <0.1% | +18,619+15.1% | Added | – |
| Dimensional ETF Trust25434V740 | EMERGING MKTS VA | 224,775 | $7.58M | <0.1% | +5,265+2.4% | Added | – |
| WisdomTree Tr97717X578 | EM EX ST-OWNED | 187,586 | $7.32M | <0.1% | −2,521−1.3% | Reduced | – |
| Vanguard Total World Stock ETF922042742 | ETF | 51,615 | $7.28M | <0.1% | +18,888+57.7% | Added | – |
| Vanguard Real Estate ETF922908553 | ETF | 80,987 | $7.17M | <0.1% | +1,749+2.2% | Added | – |
| iShares Tr46429B655 | FLTG RATE NT ETF | 138,822 | $7.06M | <0.1% | −70,798−33.8% | Reduced | – |
| iShares Tr46434V381 | FUTU EXPO TE ETF | 99,355 | $6.93M | <0.1% | +2,366+2.4% | Added | – |
| iShares U S ETF Tr46431W838 | SHOR MAT MUN ETF | 133,731 | $6.73M | <0.1% | −14,356−9.7% | Reduced | – |
| iShares Russell Top 200 Growth ETF464289438 | ETF | 21,861 | $6.05M | <0.1% | −729−3.2% | Reduced | – |
| Vanguard Morningstar Small-Cap Growth ETF922908595 | ETF | 19,384 | $5.86M | <0.1% | +1,939+11.1% | Added | – |
| iShares Inc46434G822 | MSCI JAPAN ETF | 72,085 | $5.82M | <0.1% | +4,020+5.9% | Added | – |
| Goldman Sachs ETF Tr381430230 | ULTR SHOR BD ETF | 108,056 | $5.45M | <0.1% | +19,977+22.7% | Added | – |
| iShares Tr464288588 | MBS ETF | 57,082 | $5.43M | <0.1% | +1,043+1.9% | Added | – |
| iShares S&P Mid-Cap 400 Value ETF464287705 | ETF | 41,298 | $5.43M | <0.1% | −501−1.2% | Reduced | – |
| Fidelity Merrimack STR Tr316188309 | TOTAL BD ETF | 116,703 | $5.37M | <0.1% | +11,721+11.2% | Added | – |
| J P Morgan Exchange Traded F46641Q670 | CORE PLUS BD ETF | 107,641 | $5.10M | <0.1% | +10,206+10.5% | Added | – |
| GLDSPDR Gold Trust | ETF | 12,655 | $5.01M | <0.1% | +3,845+43.6% | Added | History |
| SPDR Series Trust78468R747 | ST STR MSCI GEN | 37,944 | $5.01M | <0.1% | +278+0.7% | Added | – |
| VanEck Morningstar Wide Moat ETF92189F643 | ETF | 47,991 | $4.97M | <0.1% | +8,037+20.1% | Added | – |
| Vanguard Scottsdale FDS92206C102 | SHORT TERM TREAS | 83,775 | $4.92M | <0.1% | +1,890+2.3% | Added | – |
| Dimensional ETF Trust25434V575 | INTL COR FIX ETF | 93,159 | $4.90M | <0.1% | +5,045+5.7% | Added | – |
| iShares Core S&P Small Cap ETF464287804 | ETF | 40,797 | $4.90M | <0.1% | +834+2.1% | Added | – |
| Dimensional ETF Trust25434V690 | INTERNATIONAL | 113,552 | $4.87M | <0.1% | +18,470+19.4% | Added | – |
| Dimensional ETF Trust25434V807 | INTERNATNAL VAL | 97,520 | $4.87M | <0.1% | −8,446−8.0% | Reduced | – |
| Dimensional Ultrashort Fixed Income ETF25434V591 | ETF | 92,985 | $4.71M | <0.1% | +17,947+23.9% | Added | – |
| Janus Detroit STR Tr47103U886 | HENDRSN SHRT ETF | 93,994 | $4.62M | <0.1% | +3,172+3.5% | Added | – |
| Capital Group Dividend Value14020W106 | SHS CREAT UNIT | 105,785 | $4.62M | <0.1% | −12,714−10.7% | Reduced | – |
| State Street SPDR Portfolio S&P 500 Growth ETF78464A409 | ETF | 43,102 | $4.60M | <0.1% | −1,301−2.9% | Reduced | – |
| Schwab US Dividend Equity ETF808524797 | ETF | 153,306 | $4.21M | <0.1% | +47,638+45.1% | Added | – |
| Invesco Exch Traded FD Tr II46138E339 | S&P 500 MOMNTM | 34,851 | $4.16M | <0.1% | +8,242+31.0% | Added | – |
| Vanguard Wellington FD921935508 | US MOMENTUM | 20,783 | $3.98M | <0.1% | +115+0.6% | Added | – |
| Vanguard Scottsdale FDS92206C409 | SHRT TRM CORP BD | 49,265 | $3.93M | <0.1% | +1,262+2.6% | Added | – |
| MSFTMicrosoft Corp | Stock | 8,117 | $3.93M | <0.1% | +1,335+19.7% | Added | History |
| Vanguard High Dividend Yield Index ETF921946406 | ETF | 27,042 | $3.88M | <0.1% | +848+3.2% | Added | – |
| iShares Core S&P Mid-Cap ETF464287507 | ETF | 56,988 | $3.76M | <0.1% | +4,102+7.8% | Added | – |
| BITBBitwise Bitcoin ETF | SHS BEN INT | 78,856 | $3.75M | <0.1% | +1,841+2.4% | Added | History |
| Dimensional ETF Trust25434V658 | GLOBAL REAL EST | 140,863 | $3.72M | <0.1% | +12,941+10.1% | Added | – |
| Vanguard Scottsdale FDS92206C706 | INTER TERM TREAS | 60,745 | $3.64M | <0.1% | +7,818+14.8% | Added | – |
| NVDANVIDIA Corp | Stock | 19,449 | $3.63M | <0.1% | +7,414+61.6% | Added | History |
| First Trust Rising Dividend Achievers ETF33738R506 | ETF | 52,054 | $3.62M | <0.1% | +742+1.4% | Added | – |
| Schwab Emerging Markets Equity ETF808524706 | ETF | 105,449 | $3.45M | <0.1% | −3,424−3.1% | Reduced | – |
| GOOGAlphabet Inc. | Stock | 10,957 | $3.44M | <0.1% | +4,060+58.9% | Added | History |
| Vanguard Admiral FDS Inc921932828 | SMLLCP 600 IDX | 30,931 | $3.43M | <0.1% | +1,782+6.1% | Added | – |
| WisdomTree Tr97717W588 | US LARGECAP FUND | 48,226 | $3.42M | <0.1% | −3,004−5.9% | Reduced | – |
| VanEck ETF Trust92189F437 | FALLEN ANGEL HG | 114,256 | $3.36M | <0.1% | +5,027+4.6% | Added | – |
| SPDR Series Trust78464A664 | ST LON TREAS ETF | 126,019 | $3.34M | <0.1% | +3,217+2.6% | Added | – |
| Pacer US Cash Cows 100 ETF69374H881 | ETF | 53,594 | $3.23M | <0.1% | +775+1.5% | Added | – |
| SPDR Series Trust78464A805 | ST STR PR SP1500 | 38,602 | $3.19M | <0.1% | −732−1.9% | Reduced | – |
| First Tr Exchng Traded FD VI33740F805 | SMITH OPPORT FXD | 71,637 | $3.17M | <0.1% | +3,749+5.5% | Added | – |
| Schwab U.S. Mid-Cap ETF808524508 | ETF | 104,700 | $3.15M | <0.1% | −35,991−25.6% | Reduced | – |
| iShares Tr46434V449 | MSCI INTL MOMENT | 64,964 | $3.12M | <0.1% | +830+1.3% | Added | – |
| BlackRock ETF Trust09290C103 | ISHARES US EQUIT | 50,131 | $3.05M | <0.1% | +2,228+4.7% | Added | – |
| Dimensional ETF Trust25434V773 | INTL SMALL CAP E | 91,951 | $3.03M | <0.1% | +4,830+5.5% | Added | – |
| Vanguard Information Technology ETF92204A702 | ETF | 3,997 | $3.01M | <0.1% | +721+22.0% | Added | – |
| Capital Group Dividend Growe14021L109 | SHS ETF | 83,711 | $2.98M | <0.1% | +13,605+19.4% | Added | – |
| VanEck ETF Trust92189F171 | GREEN BOND ETF | 120,117 | $2.92M | <0.1% | +1,298+1.1% | Added | – |
Sold out since Q3 2025 (13)
Positions held at the end of Q3 2025 that are gone from this filing.
| Security | Class | Shares in Q3 2025 | Value in Q3 2025 | % of portfolio in Q3 2025 | History |
|---|---|---|---|---|---|
| iShares Tr46435G474 | FALN ANGLS USD | 1,131,975 | $31.4M | 0.1% | – |
| iShares Inc464286285 | JP MRGN EM HI BD | 147,330 | $5.85M | <0.1% | – |
| Exchange Traded Concepts Tru301505624 | BITWISE CRYPTO | 25,105 | $629.0K | <0.1% | – |
| Innovator U.S. Equity Power Buffer ETF - October45782C797 | ETF | 6,459 | $278.0K | <0.1% | – |
| Innovator ETFs Trust45782C508 | US EQTY PWR BUF | 5,537 | $254.0K | <0.1% | – |
| Innovator U.S. Equity Ultra Buffer ETF - October45782C821 | ETF | 6,411 | $246.0K | <0.1% | – |
| Innovator ETFs Trust45782C813 | US EQTY PWR BUF | 5,361 | $244.0K | <0.1% | – |
| First Tr Exchange-Traded FD33738D408 | FIRST TR TA HIYL | 5,325 | $224.0K | <0.1% | – |
| First Trust Multi Cap Growth Alphadex Fund33733F101 | ETF | 1,391 | $223.0K | <0.1% | – |
| CMCSAComcast Corp | Stock | 6,741 | $212.0K | <0.1% | History |
| iShares Tr46432F388 | MSCI USA VALUE | 1,691 | $211.0K | <0.1% | – |
| Goldman Sachs ETF Tr38149W630 | NASDA 100 ETF | 3,825 | $201.0K | <0.1% | – |
| Nushares ETF Tr67092P201 | NUVEEN ESG LRGCP | 2,014 | $200.0K | <0.1% | – |