Betterment LLC Portfolio Holdings

Betterment LLC

$50.6 Billion
Q3 2025

Betterment LLC has filed its 13F form on November 13, 2025 for Q3 2025 where it was disclosed a total value porftolio of $50.6 Billion distributed in 522 stocks.

Among their holdings, we can observe that their the top five positions include companies like: Vanguard Total Stock Market Et with a value of $8.46B, Vanguard Ftse Developed Market with a value of $8.24B, Spdr Portfolio S&P 500 ETF (Ma with a value of $6.15B, Vanguard Ftse Emerging Mkts Et with a value of $2.84B, and Ishares Core U.S. Aggregate Bo with a value of $2.46B.

Examining the 13F form we can see an increase of $3.64B in the current position value, from $47B to 50.6B.

Betterment LLC is based out at New York, NY

Below you can find more details about Betterment LLC portfolio as well as his latest detailed transactions.

Portfolio value $50.6 Billion

ETFs: $49.9 Billion

Technology: $16.8 Million

Consumer Cyclical: $4.23 Million

Communication Services: $4.17 Million

Financial Services: $3.56 Million

Consumer Defensive: $2.37 Million

Healthcare: $957,000

Industrials: $779,000

Other: $601,000

Stock Holdings Table

Stock	Market Cap.	Holding Value (Reported)	# of Shares.	Last Trade
VTI Vanguard Total Stock Market Et ETFs	$0	$8.46 Billion 16.72% of portfolio	25,782,400	Q3 2025 Reduced 1.98%
VEA Vanguard Ftse Developed Market ETFs	$0	$8.24 Billion 16.28% of portfolio	137,447,739	Q3 2025 Added 2.51%
SPLG Spdr Portfolio S&P 500 ETF (Ma ETFs	$0	$6.15 Billion 12.16% of portfolio	78,546,237	Q3 2025 Added 6.27%
VWO Vanguard Ftse Emerging Mkts Et ETFs	$0	$2.84 Billion 5.62% of portfolio	52,475,303	Q3 2025 Reduced 0.18%
AGG Ishares Core U.S. Aggregate Bo ETFs	$0	$2.46 Billion 4.87% of portfolio	24,568,480	Q3 2025 Added 6.51%
MUB Ishares National Muni Bond ETF ETFs	$0	$1.85 Billion 3.65% of portfolio	17,343,529	Q3 2025 Reduced 6.68%
ITOT Ishares Core S&P Total U.S. St ETFs	$0	$1.59 Billion 3.15% of portfolio	10,939,405	Q3 2025 Reduced 2.98%
SPMD Spdr Portfolio ETFs	$0	$1.15 Billion 2.27% of portfolio	20,126,277	Q3 2025 Added 5.07%
VTV Vanguard Value ETF ETFs	$0	$947 Million 1.87% of portfolio	5,080,035	Q3 2025 Reduced 2.24%

BNDX Vanguard Total International B ETFs	$0	$908 Million 1.79% of portfolio	18,361,174	Q3 2025 Added 4.78%
IEFA Ishares Tr ETFs	$0	$861 Million 1.7% of portfolio	9,866,920	Q3 2025 Reduced 2.58%
SPSM Spdr Portfolio S&P 600 Small C ETFs	$0	$840 Million 1.66% of portfolio	18,142,585	Q3 2025 Added 2.99%
GSLC Goldman Sachs ETF Tr Activebet ETFs	$0	$762 Million 1.51% of portfolio	5,847,849	Q3 2025 Added 4.43%
VOE Vanguard Mid Cap Value Index F ETFs	$0	$702 Million 1.39% of portfolio	4,020,310	Q3 2025 Reduced 2.74%
VBR Vanguard Small Cap Value ETF ETFs	$0	$647 Million 1.28% of portfolio	3,100,066	Q3 2025 Reduced 3.14%
EMB Ishares Tr ETFs	$0	$640 Million 1.26% of portfolio	6,721,924	Q3 2025 Reduced 14.83%
JPST Jp Morgan ETF Tr Ultra Short I ETFs	$0	$618 Million 1.22% of portfolio	12,178,595	Q3 2025 Added 7.86%
TFI Spdr Nuveen Bloomberg Municipa ETFs	$0	$575 Million 1.14% of portfolio	12,614,228	Q3 2025 Reduced 3.91%

ESGU Ishares Trust Ishares Esg Awar ETFs	$0	$566 Million 1.12% of portfolio	3,889,897	Q3 2025 Added 1.29%
GBIL Goldman Sachs Access Treasury ETFs	$0	$565 Million 1.12% of portfolio	5,639,190	Q3 2025 Reduced 1.05%
SCHF Schwab Strategic Tr Intl Eqty ETFs	$0	$521 Million 1.03% of portfolio	22,372,945	Q3 2025 Reduced 2.48%
SCHX Schwab Strategic Tr Us Large C ETFs	$0	$476 Million 0.94% of portfolio	18,084,620	Q3 2025 Reduced 3.54%
STIP Ishares Barclays 0 5 Year Tips ETFs	$0	$428 Million 0.85% of portfolio	4,140,622	Q3 2025 Added 3.35%
SCHB Schwab Strategic Tr Us Broad M ETFs	$0	$424 Million 0.84% of portfolio	16,504,113	Q3 2025 Reduced 1.92%
IEMG Ishares Inc ETFs	$0	$402 Million 0.79% of portfolio	6,101,205	Q3 2025 Reduced 4.42%
ESGD Ishares Trust Ishares Esg Awar ETFs	$0	$362 Million 0.71% of portfolio	3,888,708	Q3 2025 Added 0.84%
VTEB Vanguard Mun Bd Fds Tax Exempt ETFs	$0	$329 Million 0.65% of portfolio	6,573,354	Q3 2025 Added 1,261.39%
SPDW Spdr Ser Tr Fds Spdr Portfolio ETFs	$0	$321 Million 0.63% of portfolio	7,498,060	Q3 2025 Reduced 2.96%
CRBN Ishares Tr Msci Acwi Low Carbo ETFs	$0	$293 Million 0.58% of portfolio	1,292,244	Q3 2025 Added 0.51%
IWS Ishares Russell Midcap Value E ETFs	$0	$223 Million 0.44% of portfolio	1,594,763	Q3 2025 Reduced 2.74%
VWOB Vanguard Emerging Mkts Govt Bd ETFs	$0	$222 Million 0.44% of portfolio	3,314,686	Q3 2025 Added 125.6%
VOO Vanguard Index Fds S&P 500 ETF ETFs	$0	$186 Million 0.37% of portfolio	303,612	Q3 2025 Reduced 0.11%
VUG Vanguard Growth ETF ETFs	$0	$147 Million 0.29% of portfolio	305,906	Q3 2025 Added 5.43%
ESGE Ishares, Inc. Ishares Esg Awar ETFs	$0	$142 Million 0.28% of portfolio	3,277,758	Q3 2025 Reduced 2.06%
BND Vanguard Bd Index Fd Inc Total ETFs	$0	$137 Million 0.27% of portfolio	1,836,898	Q3 2025 Reduced 0.97%
GSIE Goldman Sachs ETF Tr Activebet ETFs	$0	$134 Million 0.26% of portfolio	3,253,245	Q3 2025 Added 1.94%
SPYV Spdr Portfolio S&P 500 Value E ETFs	$0	$133 Million 0.26% of portfolio	2,411,815	Q3 2025 Reduced 3.99%
IWN Ishares Russell2000 Val ETF ETFs	$0	$127 Million 0.25% of portfolio	718,375	Q3 2025 Reduced 4.0%
DFAC Dimensional ETF Tr U S Core Eq ETFs	$0	$122 Million 0.24% of portfolio	3,166,372	Q3 2025 Added 6.92%
VOTE Engine No 1 ETF Tr ETFs	$0	$122 Million 0.24% of portfolio	1,556,154	Q3 2025 Added 2.33%
SCHV Schwab Strategic Tr Us Large C ETFs	$0	$124 Million 0.24% of portfolio	4,251,449	Q3 2025 Reduced 2.54%
SPYX Spdr S&P 500 Fossil Fuel Reser ETFs	$0	$106 Million 0.21% of portfolio	1,934,284	Q3 2025 Added 0.0%
IVV Ishares Core S&P 500 ETF ETFs	$0	$97 Million 0.19% of portfolio	144,862	Q3 2025 Reduced 3.23%
KOMP Spdr S&P Kensho New Economies ETFs	$0	$93.8 Million 0.19% of portfolio	1,506,644	Q3 2025 Reduced 0.75%
GEM Goldman Sachs ETF Tr Actvebeta ETFs	$0	$88.6 Million 0.18% of portfolio	2,174,673	Q3 2025 Added 3.61%
Goldman Sachs	-	$86.7 Million 0.17% of portfolio	-	Q3 2025 Added 2.42%
SHV Ishares Tr ETFs	$0	$86.4 Million 0.17% of portfolio	781,837	Q3 2025 Reduced 9.65%
ESML Ishares Esg Aware Msci Usa Sma ETFs	$0	$80.3 Million 0.16% of portfolio	1,780,747	Q3 2025 Added 1.92%
VTIP Vanguard Sht Trm Inflt Prot Fd ETFs	$0	$83 Million 0.16% of portfolio	1,638,838	Q3 2025 Reduced 5.44%
SPEM Spdr Ser Tr Fds Spdr Portfolio ETFs	$0	$82.4 Million 0.16% of portfolio	1,760,723	Q3 2025 Reduced 3.49%

Summary

Portfolio
No. of Stocks 522
Current Value $50.6 Billion
Prior Value $47 Billion
Filing
Period Q3 2025
Filing Date November 13, 2025
Form Type 13F-HR
Activity in Q3 2025
New Purchases 34 stocks
Additional Purchases 296 stocks
Sold out of 0 stocks
Reduced holdings in 190 stocks

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