Betterment LLC
In its 13F for Q1 2024 (holdings as of March 31, 2024, filed May 10, 2024), Betterment LLC reported 352 stock positions worth $37.3 billion. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 20.1% of the portfolio, followed by Vanguard Ftse Developed ETF (VEA, 16.0%) and Vanguard Ftse Emerging Marke (VWO, 7.2%). Compared with Q4 2023, it opened 52 new positions, sold out of 13, added to 186 and reduced 112. The biggest buy was Ste STR SPDR PT S&P 500 ETF (SPYM, shares +53057%) and the biggest sale Vanguard Mrngstr Val ETF-Aui (VTV, shares −49%).
- Most Recent 13F
- Q2 2026
- Location
- NEW YORK, NY
- CIK
- 0001633901
- Portfolio Value
- $37.3B (Q1 2024)
- SEC Filing
- 0001633901-24-000003 ↗ filed May 10, 2024
Holdings Value
Holdings 352 stocks · $37.3B
| VTI VG Morningstar TS MKT ETF-US | 20.15% | 28,892,340 | $7.5B | Reduce -2.2% |
| VEA Vanguard Ftse Developed ETF | 16.05% | 119,206,500 | $6.0B | Add +8.6% |
| VWO Vanguard Ftse Emerging Marke | 7.15% | 63,824,180 | $2.7B | Reduce -21.0% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 5.55% | 33,627,999 | $2.1B | Add +53056.7% |
| AGG iShares Core U.S. Aggregate | 4.63% | 17,624,085 | $1.7B | Add +83.3% |
| ITOT iShares Core S&P Total U.S. | 3.93% | 12,693,409 | $1.5B | Reduce -3.6% |
| MUB iShares National Muni Bond E | 3.88% | 13,425,077 | $1.4B | Add +37.5% |
| BNDX Vanguard Total Intl Bond ETF | 3.07% | 23,259,278 | $1.1B | Reduce -39.6% |
| VTV Vanguard Mrngstr Val ETF-Aui | 2.84% | 6,500,026 | $1.1B | Reduce -48.9% |
| IEFA iShares Core MSCI Eafe ETF | 2.32% | 11,647,915 | $864.5M | Reduce -3.3% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 2.26% | 5,414,204 | $844.1M | Reduce -50.0% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 2.19% | 4,261,605 | $817.7M | Reduce -47.2% |
| EMB iShares JP Morgan Usd Emergi | 2.10% | 8,748,905 | $784.5M | Reduce -15.1% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 2.08% | 14,522,420 | $774.6M | New |
| SPSM SS SPDR P S&P 600 Small Cap | 1.52% | 13,159,120 | $566.4M | Add +176603.6% |
| GBIL Goldman Sachs Access Treasur | 1.45% | 5,349,774 | $539.7M | Reduce -3.5% |
| SCHF Schwab Intl Equity ETF | 1.37% | 13,130,843 | $512.4M | Reduce -7.7% |
| IEMG iShares Core MSCI Emerging | 1.31% | 9,440,217 | $487.1M | Reduce -5.3% |
| GSLC Goldman Activebeta US LC ETF | 1.09% | 3,911,918 | $406.0M | Add +8.0% |
| SCHB Schwab US Broad Market ETF | 1.03% | 6,316,312 | $385.6M | Reduce -3.1% |
| TFI SS SPDR N Ice Muni Bond ETF | 0.88% | 7,035,459 | $327.0M | Reduce -2.6% |
| ESGD iShares Trust iShares ESG Aw | 0.86% | 4,014,381 | $320.8M | Add +4.6% |
| STIP iShares 0-5 Year Tips Bond E | 0.83% | 3,113,375 | $309.6M | Reduce -3.4% |
| ESGU iShares ESG Aware MSCI USA | 0.79% | 2,562,322 | $294.6M | Add +0.3% |
| IWS iShares Russell Mid-Cap Valu | 0.67% | 1,978,662 | $248.0M | Reduce -4.6% |
| JPST JPMorgan Ultra-Short Income | 0.63% | 4,687,250 | $236.5M | Add +31.4% |
| CRBN Ish Low Car Opt Ms Ac ETF-US | 0.61% | 1,259,823 | $226.1M | Add +1.5% |
| GSIE Goldman Sachs Activebeta Int | 0.52% | 5,677,668 | $194.7M | Add +9.3% |
| SHV iShares 0-1 Year Treasury Bo | 0.52% | 1,753,306 | $193.8M | Reduce -23.2% |
| VTIP Vanguard Short-Term Tips | 0.43% | 3,343,267 | $160.1M | Reduce -29.2% |
| SPYV SS SPDR P S&P 500 Value ETF | 0.42% | 3,143,543 | $157.5M | Reduce -6.6% |
| IWN iShares Russell 2000 Value E | 0.40% | 933,000 | $148.2M | Reduce -4.7% |
| VWOB Vanguard Emerg MKTS Gov BND | 0.36% | 2,108,594 | $134.6M | Reduce -4.7% |
| SCHV Schwab US Large-Cap Value | 0.35% | 1,701,812 | $129.3M | Reduce -7.4% |
| VOO Vanguard S&P 500 ETF | 0.29% | 223,463 | $107.4M | Add +0.0% |
| BND Vanguard Total Bond Market | 0.27% | 1,390,586 | $101.0M | Reduce -5.7% |
| ESGE iShares Inc. iShares ESG Awar | 0.26% | 2,987,211 | $96.3M | Add +10.0% |
| SPYX SS SPDR S&P 500 Foss FL ETF | 0.24% | 2,116,289 | $90.6M | Add +1.7% |
| IVE iShares S&P 500 Value ETF | 0.22% | 446,531 | $83.4M | Reduce -3.2% |
| KOMP SS SPDR S&P Kensho Ne Comp | 0.19% | 1,454,315 | $69.9M | Add +14.5% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.19% | 202,039 | $69.5M | Add +6.3% |
| IAGG iShares Intl Aggregate Bond | 0.16% | 1,202,011 | $60.0M | Add +3562.2% |
| VOTE TCW Transform 500 ETF | 0.16% | 975,704 | $59.8M | Add +1.1% |
| DFAC Dimensional US Core Equity 2 | 0.16% | 1,836,773 | $58.7M | Add +28.2% |
| EFAX State Street SPDR MSCI Eafe | 0.14% | 1,237,185 | $51.5M | Add +3.8% |
| BGRN iShares Usd Green Bond ETF | 0.13% | 1,056,221 | $49.5M | Add +6.2% |
| DSI iShares ESG MSCI KLD 400 ETF | 0.13% | 489,953 | $49.4M | Reduce -4.7% |
| GSSC Goldman Sachs Activebeta US | 0.13% | 728,170 | $47.7M | Add +6.0% |
| GEM Goldman Sachs Activebeta Em | 0.12% | 1,433,065 | $44.9M | Add +1.7% |
| DFAU Dimensional US Core Equity M | 0.10% | 1,024,476 | $37.4M | Reduce -18.4% |
| BSV Vanguard Short-Term Bond ETF | 0.09% | 439,130 | $33.7M | Add +39.9% |
| ESGV Vanguard ESG US Stock ETF | 0.09% | 359,487 | $33.5M | Reduce -5.7% |
| GCOR Goldman Sachs Access US Agg | 0.09% | 811,417 | $33.4M | Add +1.8% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.09% | 139,977 | $32.0M | Add +3.5% |
| EEMX State Street SPDR MSCI Emerg | 0.08% | 969,380 | $30.4M | Add +6.4% |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.07% | 776,786 | $27.8M | Add +52.1% |
| IVV iShares Core S&P 500 ETF | 0.07% | 48,654 | $25.6M | Add +180.4% |
| DFAI Dimensional International Co. | 0.07% | 827,180 | $25.0M | Reduce -0.3% |
| GIGB Goldman Sachs Inv GRD Corp. | 0.07% | 539,144 | $24.7M | Add +14.3% |
| DFCF Dimensional Core Fixed Inc. | 0.07% | 583,236 | $24.5M | Add +120.9% |
| DFIC Dimensional International Co. | 0.06% | 851,698 | $22.8M | Add +127.9% |
| SUSA iShares ESG Optimized MSCI U | 0.06% | 199,525 | $21.8M | Reduce -3.7% |
| EAGG iShares ESG Aware US Aggrega | 0.06% | 437,903 | $20.6M | Add +7.3% |
| SPEM State Street SP PTF Em ETF | 0.05% | 545,461 | $19.7M | Reduce -30.8% |
| ESML iShares ESG Aware MSCI USA S | 0.05% | 474,446 | $19.1M | Add +10.2% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.05% | 75,433 | $17.8M | Add +59.7% |
| SUSC iShares ESG Aware Usd Corpor | 0.04% | 670,565 | $15.4M | Add +8.7% |
| DFEM Dimensional Emrg MRKT Core | 0.04% | 603,988 | $15.4M | Add +254.5% |
| QQQ Invesco QQQ Trust Series 1 | 0.04% | 34,191 | $15.2M | Add +5.1% |
| VIG Vanguard Dividend Apprec ETF | 0.04% | 81,741 | $14.9M | Add +121.1% |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | 0.04% | 136,153 | $14.8M | Reduce -0.7% |
| SCHX Schwab US Large-Cap ETF | 0.04% | 237,030 | $14.7M | Add +49.9% |
| BIV Vanguard Intermediate-Term B | 0.04% | 173,921 | $13.1M | Add +4.1% |
| VUSB Vanguard Ultra Short Bond Et | 0.04% | 264,182 | $13.1M | Add +12.3% |
| GEMD Goldman Access Em Usd Bond | 0.03% | 312,021 | $12.8M | Add +11.0% |
| AVUV Avantis US Small Cap Value | 0.03% | 136,742 | $12.8M | Add +369.2% |
| FLOT iShares Floating Rate Bond E | 0.03% | 238,709 | $12.2M | Add +40.8% |
| MBB iShares MBS ETF | 0.03% | 125,112 | $11.6M | Reduce -3.9% |
| BLV Vanguard Long-Term Bond ETF | 0.03% | 159,173 | $11.5M | Add +7.4% |
| GMOM Cambria Global Momentum ETF | 0.03% | 393,594 | $11.5M | Reduce -0.6% |
| SCHH Schwab US REIT ETF | 0.03% | 557,708 | $11.3M | Add +12.2% |
| VMBS Vanguard Mortgage-Backed Sec | 0.03% | 229,861 | $10.5M | Add +4.8% |
| DFAT Dimensional US Target Value | 0.03% | 189,825 | $10.3M | Add +45.2% |
| COMB Graniteshares Bcom Broad STR | 0.03% | 505,425 | $10.0M | Add +5.0% |
| CMF iShares California Muni Bond | 0.03% | 163,274 | $9.4M | Add +41.3% |
| IGEB iShares Investment Grade SYS | 0.02% | 206,139 | $9.2M | Add +2.0% |
| HYMB SS SPDR N Ice HY Muni ETF | 0.02% | 358,467 | $9.2M | Reduce -7.9% |
| HYLB Xtrackers Usd High Yield Cor | 0.02% | 254,948 | $9.1M | Add +11.2% |
| SHYG iShares 0-5 YR HY Corp. Bond | 0.02% | 202,091 | $8.6M | Add +28.8% |
| DFSD Dimensional Short Duration | 0.02% | 160,389 | $7.5M | Add +106.9% |
| VIGI Vanguard Int Div App Indx FD | 0.02% | 91,490 | $7.5M | Add +13.5% |
| XT Ishar Fture Exp Tech ETF-Usd | 0.02% | 124,917 | $7.4M | Reduce -3.0% |
| FALN iShares Fallen Angels ETF | 0.02% | 266,993 | $7.2M | Add +26.6% |
| NYF iShares New York Muni Bond E | 0.02% | 132,552 | $7.1M | Add +17.6% |
| VOOV Vanguard S&P 500 Value ETF | 0.02% | 37,408 | $6.8M | Reduce -3.8% |
| DFLV Dim US Large Cap Value ETF | 0.02% | 221,883 | $6.7M | Add +708.1% |
| DFAE Dimensional Emerging Core Eq | 0.02% | 268,440 | $6.6M | Reduce -8.5% |
| VOOG Vanguard S&P 500 Growth ETF | 0.02% | 20,499 | $6.2M | Reduce -5.2% |
| AVDV Avantis Intl S/C Value ETF | 0.02% | 93,779 | $6.2M | Add +442.0% |
| VGLT Vanguard Long-Term Treasury | 0.02% | 101,860 | $6.0M | Add +36.2% |
Portfolio Sells Q4 2023 → Q1 2024
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -48.9% | 2.84% | −2.63 |
| VWO Vanguard Ftse Emerging Marke | Reduce -21.0% | 7.15% | −2.41 |
| BNDX Vanguard Total Intl Bond ETF | Reduce -39.6% | 3.07% | −2.40 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Reduce -50.0% | 2.26% | −2.26 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -47.2% | 2.19% | −1.99 |
| EMB iShares JP Morgan Usd Emergi | Reduce -15.1% | 2.10% | −0.54 |
| VTIP Vanguard Short-Term Tips | Reduce -29.2% | 0.43% | −0.22 |
| SHV iShares 0-1 Year Treasury Bo | Reduce -23.2% | 0.52% | −0.20 |
| IEMG iShares Core MSCI Emerging | Reduce -5.3% | 1.31% | −0.15 |
| GBIL Goldman Sachs Access Treasur | Reduce -3.5% | 1.45% | −0.14 |
| SCHF Schwab Intl Equity ETF | Reduce -7.7% | 1.37% | −0.14 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -3.3% | 2.32% | −0.12 |
| TFI SS SPDR N Ice Muni Bond ETF | Reduce -2.6% | 0.88% | −0.10 |
| STIP iShares 0-5 Year Tips Bond E | Reduce -3.4% | 0.83% | −0.08 |
| ITOT iShares Core S&P Total U.S. | Reduce -3.6% | 3.93% | −0.06 |
| VWOB Vanguard Emerg MKTS Gov BND | Reduce -4.7% | 0.36% | −0.04 |
| BND Vanguard Total Bond Market | Reduce -5.7% | 0.27% | −0.04 |
| IWN iShares Russell 2000 Value E | Reduce -4.7% | 0.40% | −0.04 |
| IWS iShares Russell Mid-Cap Valu | Reduce -4.6% | 0.67% | −0.03 |
| SPYV SS SPDR P S&P 500 Value ETF | Reduce -6.6% | 0.42% | −0.03 |
| SPEM State Street SP PTF Em ETF | Reduce -30.8% | 0.05% | −0.03 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -2.2% | 20.15% | −0.03 |
| SCHV Schwab US Large-Cap Value | Reduce -7.4% | 0.35% | −0.02 |
| DFAU Dimensional US Core Equity M | Reduce -18.4% | 0.10% | −0.02 |
| SLYV SS SPDR S&P 600 SC Val ETF | Reduce -77.6% | 0.01% | −0.02 |
| IJJ iShares S&P Mid-Cap 400 Valu | Reduce -62.7% | 0.01% | −0.02 |
| SCHB Schwab US Broad Market ETF | Reduce -3.1% | 1.03% | −0.01 |
| TFLO iShares Treasury Floating Ra | Reduce -38.0% | 0.01% | −0.01 |
| PCY Invesco Emerging Markets Sov | Reduce -48.5% | 0.01% | −0.01 |
| IEF iShares 7-10 Year Treasury B | Reduce -30.6% | 0.01% | −0.01 |
| IVE iShares S&P 500 Value ETF | Reduce -3.2% | 0.22% | −0.01 |
| FTSM First Trust Enh Short Mat FD | Reduce -81.7% | 0.00% | −0.00 |
| MBB iShares MBS ETF | Reduce -3.9% | 0.03% | −0.00 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Reduce -0.7% | 0.04% | −0.00 |
| HYMB SS SPDR N Ice HY Muni ETF | Reduce -7.9% | 0.02% | −0.00 |
| ESGV Vanguard ESG US Stock ETF | Reduce -5.7% | 0.09% | −0.00 |
| EXCHANGE TRADED CONCEPTS TRU | Sold out | 0.00% | −0.00 |
| TLT iShares 20+ Year Treasury BD | Reduce -73.2% | 0.00% | −0.00 |
| DFAE Dimensional Emerging Core Eq | Reduce -8.5% | 0.02% | −0.00 |
| DSI iShares ESG MSCI KLD 400 ETF | Reduce -4.7% | 0.13% | −0.00 |
| XT Ishar Fture Exp Tech ETF-Usd | Reduce -3.0% | 0.02% | −0.00 |
| ARKK ARK Innovation ETF | Reduce -58.3% | 0.00% | −0.00 |
| BITO Proshares Bitcoin ETF-Usd | Sold out | 0.00% | −0.00 |
| SPSB SS SPDR P St C Corp. ETF | Reduce -30.0% | 0.00% | −0.00 |
| OEF iShares S&P 100 ETF | Sold out | 0.00% | −0.00 |
| SUSA iShares ESG Optimized MSCI U | Reduce -3.7% | 0.06% | −0.00 |
| VNQ Vanguard Real Estate ETF | Reduce -9.3% | 0.01% | −0.00 |
| DFAI Dimensional International Co. | Reduce -0.3% | 0.07% | −0.00 |
| PAUG Innovator U.S. Equity Power | Reduce -60.7% | 0.00% | −0.00 |
| NEAR iShares SH Dba ETF Usd Inc. | Reduce -5.0% | 0.01% | −0.00 |
Portfolio Buys Q4 2023 → Q1 2024
| SPYM Ste STR SPDR PT S&P 500 ETF | Add +53056.7% | 5.55% | +5.54 |
| SPMD SS SPDR P S&P 400 Midcap ETF | New | 2.08% | +2.08 |
| AGG iShares Core U.S. Aggregate | Add +83.3% | 4.63% | +1.88 |
| SPSM SS SPDR P S&P 600 Small Cap | Add +176603.6% | 1.52% | +1.52 |
| VEA Vanguard Ftse Developed ETF | Add +8.6% | 16.05% | +0.91 |
| MUB iShares National Muni Bond E | Add +37.5% | 3.88% | +0.83 |
| IAGG iShares Intl Aggregate Bond | Add +3562.2% | 0.16% | +0.16 |
| JPST JPMorgan Ultra-Short Income | Add +31.4% | 0.63% | +0.12 |
| GSLC Goldman Activebeta US LC ETF | Add +8.0% | 1.09% | +0.11 |
| IVV iShares Core S&P 500 ETF | Add +180.4% | 0.07% | +0.04 |
| DFAC Dimensional US Core Equity 2 | Add +28.2% | 0.16% | +0.04 |
| GSIE Goldman Sachs Activebeta Int | Add +9.3% | 0.52% | +0.03 |
| DFIC Dimensional International Co. | Add +127.9% | 0.06% | +0.03 |
| DFCF Dimensional Core Fixed Inc. | Add +120.9% | 0.07% | +0.03 |
| DFEM Dimensional Emrg MRKT Core | Add +254.5% | 0.04% | +0.03 |
| AVUV Avantis US Small Cap Value | Add +369.2% | 0.03% | +0.03 |
| ESGD iShares Trust iShares ESG Aw | Add +4.6% | 0.86% | +0.03 |
| SPDW Ste STR SPDR PT DW Eu ETF | Add +52.1% | 0.07% | +0.02 |
| VIG Vanguard Dividend Apprec ETF | Add +121.1% | 0.04% | +0.02 |
| BSV Vanguard Short-Term Bond ETF | Add +39.9% | 0.09% | +0.02 |
| ESGU iShares ESG Aware MSCI USA | Add +0.3% | 0.79% | +0.02 |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | Add +59.7% | 0.05% | +0.02 |
| KOMP SS SPDR S&P Kensho Ne Comp | Add +14.5% | 0.19% | +0.02 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +6.3% | 0.19% | +0.02 |
| DCOR Dimensional US Core Eq 1 ETF | New | 0.02% | +0.02 |
| DFLV Dim US Large Cap Value ETF | Add +708.1% | 0.02% | +0.02 |
| CRBN Ish Low Car Opt Ms Ac ETF-US | Add +1.5% | 0.61% | +0.02 |
| SCHX Schwab US Large-Cap ETF | Add +49.9% | 0.04% | +0.01 |
| AVDV Avantis Intl S/C Value ETF | Add +442.0% | 0.02% | +0.01 |
| SPYX SS SPDR S&P 500 Foss FL ETF | Add +1.7% | 0.24% | +0.01 |
| DFSD Dimensional Short Duration | Add +106.9% | 0.02% | +0.01 |
| AAPL Apple Inc. | Add +557.1% | 0.01% | +0.01 |
| BITB Bitwise Bitcoin ETF | New | 0.01% | +0.01 |
| DFAT Dimensional US Target Value | Add +45.2% | 0.03% | +0.01 |
| FLOT iShares Floating Rate Bond E | Add +40.8% | 0.03% | +0.01 |
| ESGE iShares Inc. iShares ESG Awar | Add +10.0% | 0.26% | +0.01 |
| HYDB iShares High Yield Systemati | New | 0.01% | +0.01 |
| VOO Vanguard S&P 500 ETF | Add +0.0% | 0.29% | +0.01 |
| QQQM Invesco Nasdaq 100 ETF | Add +237.6% | 0.01% | +0.01 |
| BINC iShares Flex I A ETF-Usd Inc. | New | 0.01% | +0.01 |
| VOTE TCW Transform 500 ETF | Add +1.1% | 0.16% | +0.01 |
| CMF iShares California Muni Bond | Add +41.3% | 0.03% | +0.01 |
| DFGX Dimsnl Intr CF in ETF-Usd Inc. | New | 0.01% | +0.01 |
| GHYB Goldman Sachs Access HY Corp. | New | 0.01% | +0.01 |
| DGCB Dimensional Global Credit | New | 0.01% | +0.01 |
| ICSH iShares Ultra Short Duration | New | 0.01% | +0.01 |
| MSFT Microsoft Corp. | New | 0.00% | +0.00 |
| EFAX State Street SPDR MSCI Eafe | Add +3.8% | 0.14% | +0.00 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | New | 0.00% | +0.00 |
| ESML iShares ESG Aware MSCI USA S | Add +10.2% | 0.05% | +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 |