Betterment LLC
In its 13F for Q2 2026 (holdings as of June 30, 2026, filed August 14, 2026), Betterment LLC reported 675 stock positions worth $59.1 billion. Its top holding was Vanguard Ftse Developed ETF (VEA) at 16.7% of the portfolio, followed by VG Morningstar TS MKT ETF-US (VTI, 15.0%) and Ste STR SPDR PT S&P 500 ETF (SPYM, 14.5%). Compared with Q1 2026, it opened 76 new positions, sold out of 16, added to 406 and reduced 192. The biggest buy was JPMorgan Core Plus Bond ETF (JCPB, shares +356%) and the biggest sale iShares Core U.S. Aggregate (AGG, shares −35%).
- Most Recent 13F
- Q2 2026
- Location
- NEW YORK, NY
- CIK
- 0001633901
- Portfolio Value
- $59.1B (Q2 2026)
- SEC Filing
- 0001633901-26-000004 ↗ filed Aug 14, 2026
Holdings Value
Holdings 675 stocks · $59.1B
| VEA Vanguard Ftse Developed ETF | 16.72% | 138,727,174 | $9.9B | Add +0.6% |
| VTI VG Morningstar TS MKT ETF-US | 14.99% | 23,945,511 | $8.9B | Reduce -2.4% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 14.55% | 97,881,145 | $8.6B | Add +6.8% |
| VWO Vanguard Ftse Emerging Marke | 5.44% | 53,881,853 | $3.2B | Add +1.0% |
| MUB iShares National Muni Bond E | 3.83% | 21,039,515 | $2.3B | Add +7.4% |
| ITOT iShares Core S&P Total U.S. | 2.87% | 10,338,360 | $1.7B | Reduce -2.6% |
| AGG iShares Core U.S. Aggregate | 2.62% | 15,621,139 | $1.5B | Reduce -34.6% |
| JCPB JPMorgan Core Plus Bond ETF | 2.26% | 28,416,622 | $1.3B | Add +355.8% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 2.16% | 18,865,773 | $1.3B | Reduce -6.6% |
| SPSM SS SPDR P S&P 600 Small Cap | 1.87% | 19,180,838 | $1.1B | Add +0.8% |
| VTV Vanguard Mrngstr Val ETF-Aui | 1.75% | 4,758,077 | $1.0B | Reduce -2.2% |
| BNDX Vanguard Total Intl Bond ETF | 1.66% | 20,301,516 | $983.2M | Add +4.6% |
| IEFA iShares Core MSCI Eafe ETF | 1.46% | 8,955,018 | $864.9M | Reduce -3.3% |
| SCHX Schwab US Large-Cap ETF | 1.42% | 28,627,429 | $842.5M | Add +0.1% |
| GSLC Goldman Activebeta US LC ETF | 1.37% | 5,711,643 | $810.4M | Reduce -1.0% |
| JPST JPMorgan Ultra-Short Income | 1.18% | 13,758,242 | $695.8M | Add +0.8% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 1.17% | 3,506,826 | $692.9M | Reduce -6.3% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 1.16% | 2,812,964 | $683.5M | Reduce -3.6% |
| ESGU iShares ESG Aware MSCI USA | 1.12% | 4,058,596 | $664.3M | Add +0.4% |
| GBIL Goldman Sachs Access Treasur | 1.06% | 6,260,043 | $627.0M | Add +2.6% |
| SCHF Schwab Intl Equity ETF | 0.96% | 20,561,168 | $569.5M | Reduce -3.1% |
| VWOB Vanguard Emerg MKTS Gov BND | 0.86% | 7,520,903 | $505.7M | Add +31.9% |
| TFI SS SPDR N Ice Muni Bond ETF | 0.85% | 11,029,685 | $505.2M | Reduce -4.6% |
| STIP iShares 0-5 Year Tips Bond E | 0.79% | 4,553,816 | $465.2M | Add +1.5% |
| IEMG iShares Core MSCI Emerging | 0.76% | 5,399,957 | $447.3M | Reduce -4.5% |
| EMB iShares JP Morgan Usd Emergi | 0.75% | 4,614,236 | $445.0M | Reduce -14.7% |
| SCHB Schwab US Broad Market ETF | 0.75% | 15,292,144 | $442.9M | Reduce -2.7% |
| ESGD iShares Trust iShares ESG Aw | 0.69% | 3,972,639 | $408.4M | Add +1.4% |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.68% | 8,002,796 | $403.3M | Reduce -3.2% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.60% | 7,061,952 | $357.2M | Add +1.9% |
| CRBN Ish Low Car Opt Ms Ac ETF-US | 0.56% | 1,306,320 | $330.5M | Add +0.4% |
| VOO Vanguard S&P 500 ETF | 0.45% | 385,170 | $264.5M | Add +0.7% |
| IWS iShares Russell Mid-Cap Valu | 0.39% | 1,386,524 | $228.2M | Reduce -6.2% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.28% | 1,953,898 | $168.3M | Add +1.2% |
| ESGE iShares Inc. iShares ESG Awar | 0.28% | 3,042,236 | $166.4M | Reduce -4.4% |
| GSIE Goldman Sachs Activebeta Int | 0.27% | 3,545,671 | $162.0M | Add +7.8% |
| DFAC Dimensional US Core Equity 2 | 0.26% | 3,524,619 | $156.4M | Add +2.9% |
| IWN iShares Russell 2000 Value E | 0.24% | 646,889 | $143.1M | Reduce -3.8% |
| VOTE TCW Transform 500 ETF | 0.24% | 1,620,553 | $142.9M | Add +0.3% |
| SCHV Schwab US Large-Cap Value | 0.23% | 3,867,616 | $134.6M | Reduce -3.3% |
| SPYV SS SPDR P S&P 500 Value ETF | 0.22% | 2,158,735 | $131.2M | Reduce -3.9% |
| IAGG iShares Intl Aggregate Bond | 0.22% | 2,517,551 | $127.4M | Add +13.2% |
| SPYX SS SPDR S&P 500 Foss FL ETF | 0.20% | 1,981,562 | $121.1M | Add +0.5% |
| SPEM State Street SP PTF Em ETF | 0.18% | 2,099,840 | $108.7M | Reduce -2.3% |
| IVV iShares Core S&P 500 ETF | 0.18% | 144,753 | $108.4M | Reduce -1.4% |
| KOMP SS SPDR S&P Kensho Ne Comp | 0.18% | 1,500,675 | $107.3M | Add +1.0% |
| GEM Goldman Sachs Activebeta Em | 0.18% | 2,024,982 | $105.3M | Reduce -2.3% |
| JMSI JPM Sus Municipal Income filed as J P MORGAN EXCHANGE TRADED F | 0.17% | 1,984,457 | $100.1M | Add +16.9% |
| ESML iShares ESG Aware MSCI USA S | 0.17% | 1,776,129 | $99.3M | Reduce -0.7% |
| GSEU Goldman Activebta Eur Eq ETF | 0.15% | 1,885,719 | $91.6M | Add +2.9% |
| EAGG iShares ESG Aware US Aggrega | 0.15% | 1,812,365 | $85.9M | Add +9.2% |
| FWD AB Disruptors ETF filed as AB ACTIVE ETFS INC | 0.15% | 580,084 | $85.9M | Add +0.6% |
| BND Vanguard Total Bond Market | 0.14% | 1,111,698 | $81.6M | Reduce -30.6% |
| EFAX State Street SPDR MSCI Eafe | 0.14% | 1,474,589 | $79.8M | Add +3.0% |
| ESGV Vanguard ESG US Stock ETF | 0.13% | 596,067 | $78.8M | Reduce -1.5% |
| IVE iShares S&P 500 Value ETF | 0.13% | 342,003 | $77.7M | Reduce -4.3% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.13% | 940,189 | $75.8M | Reduce -8.9% |
| QQQM Invesco Nasdaq 100 ETF | 0.13% | 244,300 | $74.0M | Add +21.5% |
| BGRN iShares Usd Green Bond ETF | 0.12% | 1,509,423 | $71.7M | Add +9.3% |
| GSSC Goldman Sachs Activebeta US | 0.12% | 774,716 | $70.7M | Add +1.5% |
| USHY iShares Broad Usd High Yield | 0.12% | 1,909,046 | $70.7M | Add +0.1% |
| VTIP Vanguard Short-Term Tips | 0.12% | 1,380,243 | $69.3M | Reduce -5.8% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.12% | 225,580 | $68.4M | Reduce -2.3% |
| IGEB iShares Investment Grade SYS | 0.11% | 1,488,332 | $67.1M | Reduce -2.7% |
| SHV iShares 0-1 Year Treasury Bo | 0.11% | 599,791 | $66.2M | Reduce -8.0% |
| SCHA Schwab US Small-Cap ETF | 0.11% | 1,753,579 | $63.4M | Reduce -4.7% |
| DFIC Dimensional International Co. | 0.11% | 1,669,988 | $62.2M | Add +5.4% |
| GSJY Goldman Activebeta JP Eq ETF | 0.10% | 1,160,306 | $60.7M | Add +3.0% |
| BINC iShares Flex I A ETF-Usd Inc. | 0.10% | 1,117,683 | $58.5M | Add +85.2% |
| DFCF Dimensional Core Fixed Inc. | 0.10% | 1,351,950 | $57.1M | Add +7.6% |
| IEF iShares 7-10 Year Treasury B | 0.10% | 597,634 | $56.5M | Add +255.7% |
| BSV Vanguard Short-Term Bond ETF | 0.09% | 663,160 | $51.7M | Add +5.5% |
| GMUB GS Municipal Income ETF | 0.09% | 1,004,401 | $51.7M | Add +7.1% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.09% | 147,169 | $50.6M | Reduce -6.8% |
| DSI iShares ESG MSCI KLD 400 ETF | 0.08% | 337,922 | $48.1M | Reduce -3.4% |
| GCOR Goldman Sachs Access US Agg | 0.08% | 1,107,239 | $45.6M | Add +4.9% |
| VPLS Vanguard Core-Plus Bond ETF | 0.08% | 582,358 | $45.2M | Add +229.7% |
| GTIP Goldman Sachs Access Inflati | 0.08% | 908,825 | $44.4M | Add +6.2% |
| QQQ Invesco QQQ Trust Series 1 | 0.07% | 59,372 | $43.7M | Reduce -10.9% |
| SUSA iShares ESG Optimized MSCI U | 0.07% | 270,917 | $41.8M | Reduce -3.1% |
| VIG Vanguard Dividend Apprec ETF | 0.07% | 172,908 | $40.9M | Add +8.7% |
| VXUS Vanguard Total Intl Stock | 0.07% | 468,494 | $40.1M | Add +7.6% |
| SUSC iShares ESG Aware Usd Corpor | 0.07% | 1,701,109 | $39.4M | Add +6.8% |
| DFEM Dimensional Emrg MRKT Core | 0.06% | 933,438 | $37.9M | Add +0.9% |
| QLTA iShares Aaa - A Rated Corpor | 0.06% | 780,865 | $37.1M | Add +107.0% |
| IBIT iShares Bitcoin Trust ETF | 0.06% | 1,069,608 | $35.6M | Reduce -6.2% |
| DFLV Dim US Large Cap Value ETF | 0.06% | 843,473 | $33.4M | Add +4.0% |
| SGOV iShares 0-3 Month Treasury B | 0.06% | 325,467 | $32.8M | Add +59.5% |
| DFAI Dimensional International Co. | 0.05% | 767,154 | $31.6M | Add +1.3% |
| CLOA iShares Aaa Clo Act ETF-Usdi | 0.05% | 585,958 | $30.4M | Add +68.2% |
| EEMX State Street SPDR MSCI Emerg | 0.05% | 556,930 | $30.2M | Reduce -4.9% |
| JUST Goldman Sachs Just US LRG | 0.05% | 275,103 | $29.4M | Add +3.3% |
| GEMD Goldman Access Em Usd Bond | 0.05% | 672,741 | $28.6M | Add +6.3% |
| DCOR Dimensional US Core Eq 1 ETF | 0.05% | 341,912 | $28.0M | Reduce -0.3% |
| BNDW Vanguard Total World Bond Et | 0.05% | 408,910 | $28.0M | Add +9.9% |
| DFAU Dimensional US Core Equity M | 0.05% | 536,301 | $27.7M | Reduce -3.9% |
| DFAT Dimensional US Target Value | 0.04% | 380,189 | $26.6M | Add +3.7% |
| QUAL iShares MSCI USA Quality Fac | 0.04% | 118,205 | $25.9M | Add +14.7% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.04% | 84,642 | $25.9M | Reduce -6.6% |
| BIV Vanguard Intermediate-Term B | 0.04% | 315,442 | $24.2M | Add +1.8% |
Portfolio Sells Q1 2026 → Q2 2026
| AGG iShares Core U.S. Aggregate | Reduce -34.6% | 2.62% | −1.88 |
| EMB iShares JP Morgan Usd Emergi | Reduce -14.7% | 0.75% | −0.21 |
| TFI SS SPDR N Ice Muni Bond ETF | Reduce -4.6% | 0.85% | −0.14 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Reduce -6.3% | 1.17% | −0.13 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -3.3% | 1.46% | −0.13 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Reduce -6.6% | 2.16% | −0.11 |
| BND Vanguard Total Bond Market | Reduce -30.6% | 0.14% | −0.09 |
| SHYG iShares 0-5 YR HY Corp. Bond | Reduce -97.9% | 0.00% | −0.07 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -2.2% | 1.75% | −0.05 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -3.6% | 1.16% | −0.04 |
| USIG iShares Broad Usd Investment | Reduce -97.8% | 0.00% | −0.03 |
| TFLO iShares Treasury Floating Ra | Reduce -84.3% | 0.01% | −0.03 |
| SPDW Ste STR SPDR PT DW Eu ETF | Reduce -3.2% | 0.68% | −0.03 |
| SCHF Schwab Intl Equity ETF | Reduce -3.1% | 0.96% | −0.03 |
| IGSB iShares 1-5Y Inv Grade Corp. | Reduce -95.5% | 0.00% | −0.03 |
| IGLB iShares 10+ Year Inv GR Corp. | Reduce -96.9% | 0.00% | −0.03 |
| SHV iShares 0-1 Year Treasury Bo | Reduce -8.0% | 0.11% | −0.02 |
| IBIT iShares Bitcoin Trust ETF | Reduce -6.2% | 0.06% | −0.02 |
| IWS iShares Russell Mid-Cap Valu | Reduce -6.2% | 0.39% | −0.02 |
| VTIP Vanguard Short-Term Tips | Reduce -5.8% | 0.12% | −0.02 |
| SPYV SS SPDR P S&P 500 Value ETF | Reduce -3.9% | 0.22% | −0.02 |
| TLT iShares 20+ Year Treasury BD | Reduce -95.2% | 0.00% | −0.02 |
| IGEB iShares Investment Grade SYS | Reduce -2.7% | 0.11% | −0.02 |
| SHY iShares 1-3 Year Treasury Bo | Reduce -92.9% | 0.00% | −0.02 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -8.9% | 0.13% | −0.01 |
| IVE iShares S&P 500 Value ETF | Reduce -4.3% | 0.13% | −0.01 |
| HYDB iShares High Yield Systemati | Reduce -18.6% | 0.02% | −0.01 |
| FLOT iShares Floating Rate Bond E | Reduce -58.0% | 0.01% | −0.01 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Reduce -18.4% | 0.02% | −0.01 |
| GIGB Goldman Sachs Inv GRD Corp. | Reduce -5.8% | 0.04% | −0.01 |
| ETHA iShares Ethereum Trust ETF | Reduce -8.2% | 0.01% | −0.01 |
| SPEM State Street SP PTF Em ETF | Reduce -2.3% | 0.18% | −0.01 |
| VGLT Vanguard Long-Term Treasury | Reduce -2.8% | 0.03% | −0.00 |
| SUB iShares Short-Term National | Reduce -2.3% | 0.03% | −0.00 |
| SHM SS SPDR N Ice St Muni ETF | Reduce -5.0% | 0.02% | −0.00 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Reduce -6.8% | 0.09% | −0.00 |
| SCHV Schwab US Large-Cap Value | Reduce -3.3% | 0.23% | −0.00 |
| VIGI Vanguard Int Div App Indx FD | Reduce -9.9% | 0.02% | −0.00 |
| GMOM Cambria Global Momentum ETF | Reduce -2.5% | 0.02% | −0.00 |
| IEUR iShares Core MSCI Europe ETF | Reduce -5.8% | 0.02% | −0.00 |
| LQDH iShares Int Hedg Corp. BD ETF | Reduce -56.3% | 0.00% | −0.00 |
| XSOE Wisdmtree Emerg MKT Ex-St Ow | Reduce -23.9% | 0.01% | −0.00 |
| MEAR Ishrs Short Mat Muni Act ETF | Reduce -10.1% | 0.01% | −0.00 |
| EUSB Ishr ESG Advn Universal BD-$ | Sold out | 0.00% | −0.00 |
| VUSB Vanguard Ultra Short Bond Et | Reduce -21.4% | 0.00% | −0.00 |
| DGCB Dimensional Global Credit | Reduce -0.4% | 0.02% | −0.00 |
| IEI iShares 3-7 Year Treasury Bo | Reduce -30.1% | 0.00% | −0.00 |
| IWY iShares Russell Top 200 Grow | Reduce -20.4% | 0.01% | −0.00 |
| SLV iShares Silver Trust | Reduce -15.8% | 0.00% | −0.00 |
| CBTJ Calamos Bitcoin 80 P ETF Jan | Reduce -34.3% | 0.00% | −0.00 |
Portfolio Buys Q1 2026 → Q2 2026
| JCPB JPMorgan Core Plus Bond ETF | Add +355.8% | 2.26% | +1.70 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Add +6.8% | 14.55% | +1.26 |
| VWOB Vanguard Emerg MKTS Gov BND | Add +31.9% | 0.86% | +0.15 |
| SPSM SS SPDR P S&P 600 Small Cap | Add +0.8% | 1.87% | +0.13 |
| IEF iShares 7-10 Year Treasury B | Add +255.7% | 0.10% | +0.07 |
| VPLS Vanguard Core-Plus Bond ETF | Add +229.7% | 0.08% | +0.05 |
| ESGU iShares ESG Aware MSCI USA | Add +0.4% | 1.12% | +0.04 |
| BINC iShares Flex I A ETF-Usd Inc. | Add +85.2% | 0.10% | +0.04 |
| SCHX Schwab US Large-Cap ETF | Add +0.1% | 1.42% | +0.04 |
| QQQM Invesco Nasdaq 100 ETF | Add +21.5% | 0.13% | +0.03 |
| QLTA iShares Aaa - A Rated Corpor | Add +107.0% | 0.06% | +0.03 |
| FWD AB Disruptors ETF | Add +0.6% | 0.15% | +0.03 |
| EUHY iShares Euro High Yield Corp. | New | 0.02% | +0.02 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +1.2% | 0.28% | +0.02 |
| EMLC Vaneck JPM Em Local Curr BND | Add +1033.4% | 0.02% | +0.02 |
| CLOA iShares Aaa Clo Act ETF-Usdi | Add +68.2% | 0.05% | +0.02 |
| KOMP SS SPDR S&P Kensho Ne Comp | Add +1.0% | 0.18% | +0.02 |
| SGOV iShares 0-3 Month Treasury B | Add +59.5% | 0.06% | +0.02 |
| VOO Vanguard S&P 500 ETF | Add +0.7% | 0.45% | +0.01 |
| DFAC Dimensional US Core Equity 2 | Add +2.9% | 0.26% | +0.01 |
| GSSC Goldman Sachs Activebeta US | Add +1.5% | 0.12% | +0.01 |
| CRBN Ish Low Car Opt Ms Ac ETF-US | Add +0.4% | 0.56% | +0.01 |
| JMSI JPM Sus Municipal Income | Add +16.9% | 0.17% | +0.01 |
| VOTE TCW Transform 500 ETF | Add +0.3% | 0.24% | +0.01 |
| SPYX SS SPDR S&P 500 Foss FL ETF | Add +0.5% | 0.20% | +0.01 |
| QUAL iShares MSCI USA Quality Fac | Add +14.7% | 0.04% | +0.01 |
| CGBL Cap Group Core Balanced | Add +28.0% | 0.03% | +0.01 |
| GSIE Goldman Sachs Activebeta Int | Add +7.8% | 0.27% | +0.01 |
| NVDA Nvidia Corp. | Add +44.9% | 0.01% | +0.00 |
| IAGG iShares Intl Aggregate Bond | Add +13.2% | 0.22% | +0.00 |
| SPMO Invesco S&P 500 Momentum ETF | Add +15.2% | 0.01% | +0.00 |
| VIG Vanguard Dividend Apprec ETF | Add +8.7% | 0.07% | +0.00 |
| MU Micron Technology Inc. | Add +47.5% | 0.01% | +0.00 |
| VXUS Vanguard Total Intl Stock | Add +7.6% | 0.07% | +0.00 |
| AAPL Apple Inc. | Add +21.2% | 0.02% | +0.00 |
| SPCX Space Exploration Techn Class A | New | 0.00% | +0.00 |
| DFEM Dimensional Emrg MRKT Core | Add +0.9% | 0.06% | +0.00 |
| SOXX iShares Semiconductor ETF | Add +187.3% | 0.00% | +0.00 |
| JUST Goldman Sachs Just US LRG | Add +3.3% | 0.05% | +0.00 |
| VT Vanguard Tot World STK ETF | Add +22.1% | 0.02% | +0.00 |
| SCHG Schwab US Large-Cap Growth | Add +9.3% | 0.02% | +0.00 |
| SMH Vaneck Semiconductor ETF | Add +62.4% | 0.00% | +0.00 |
| VOOG Vanguard S&P 500 Growth ETF | Add +1.9% | 0.03% | +0.00 |
| DFUS Dimensional US Eq MKT ETF | Add +6.4% | 0.03% | +0.00 |
| TIP iShares Tips Bond ETF | Add +74.5% | 0.01% | +0.00 |
| VZ Verizon Communications Inc. | Add +577.6% | 0.00% | +0.00 |
| BE Bloom Energy Corp. Class A | New | 0.00% | +0.00 |
| CGIC Cap Group Intl Core Eq | Add +76.6% | 0.01% | +0.00 |
| FIX Comfort Systems USA Inc. | New | 0.00% | +0.00 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +5.9% | 0.03% | +0.00 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 675 | $59.1B | VEA, VTI, SPYM, VWO, MUB |
| Q1 2026 | 615 | $52.8B | VEA, VTI, SPYM, VWO, AGG |
| Q4 2025 | 551 | $52.5B | VEA, VTI, SPYM, VWO, AGG |
| Q3 2025 | 522 | $50.6B | VTI, VEA, SPYM, VWO, AGG |
| Q2 2025 | 497 | $47.0B | VTI, VEA, SPYM, VWO, AGG |
| Q1 2025 | 458 | $42.2B | VTI, VEA, SPYM, VWO, AGG |
| Q4 2024 | 444 | $41.9B | VTI, VEA, SPYM, VWO, MUB |
| Q3 2024 | 421 | $41.9B | VTI, VEA, SPYM, VWO, AGG |
| Q2 2024 | 392 | $38.6B | VTI, VEA, SPYM, VWO, AGG |
| Q1 2024 | 352 | $37.3B | VTI, VEA, VWO, SPYM, AGG |