Betterment LLC
In its 13F for Q2 2024 (holdings as of June 30, 2024, filed August 14, 2024), Betterment LLC reported 392 stock positions worth $38.6 billion. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 19.6% of the portfolio, followed by Vanguard Ftse Developed ETF (VEA, 16.0%) and Ste STR SPDR PT S&P 500 ETF (SPYM, 7.1%). Compared with Q1 2024, it opened 55 new positions, sold out of 15, added to 229 and reduced 105. The biggest buy was Ste STR SPDR PT S&P 500 ETF (SPYM, shares +27%) and the biggest sale VG Morningstar TS MKT ETF-US (VTI, shares −2%).
- Most Recent 13F
- Q2 2026
- Location
- NEW YORK, NY
- CIK
- 0001633901
- Portfolio Value
- $38.6B (Q2 2024)
- SEC Filing
- 0001633901-24-000004 ↗ filed Aug 14, 2024
Holdings Value
Holdings 392 stocks · $38.6B
| VTI VG Morningstar TS MKT ETF-US | 19.61% | 28,295,418 | $7.6B | Reduce -2.1% |
| VEA Vanguard Ftse Developed ETF | 15.96% | 124,617,150 | $6.2B | Add +4.5% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 7.08% | 42,716,183 | $2.7B | Add +27.0% |
| VWO Vanguard Ftse Emerging Marke | 6.65% | 58,617,982 | $2.6B | Reduce -8.2% |
| AGG iShares Core U.S. Aggregate | 4.65% | 18,484,532 | $1.8B | Add +4.9% |
| MUB iShares National Muni Bond E | 4.35% | 15,773,012 | $1.7B | Add +17.5% |
| ITOT iShares Core S&P Total U.S. | 3.81% | 12,393,110 | $1.5B | Reduce -2.4% |
| BNDX Vanguard Total Intl Bond ETF | 2.59% | 20,543,114 | $999.8M | Reduce -11.7% |
| VTV Vanguard Mrngstr Val ETF-Aui | 2.48% | 5,971,457 | $957.9M | Reduce -8.1% |
| IEFA iShares Core MSCI Eafe ETF | 2.20% | 11,677,182 | $848.2M | Add +0.3% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 2.16% | 16,258,493 | $834.1M | Add +11.9% |
| EMB iShares JP Morgan Usd Emergi | 1.96% | 8,570,245 | $758.3M | Reduce -2.0% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 1.89% | 4,842,178 | $728.4M | Reduce -10.6% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 1.81% | 3,833,661 | $699.7M | Reduce -10.0% |
| SPSM SS SPDR P S&P 600 Small Cap | 1.58% | 14,645,935 | $608.2M | Add +11.3% |
| GSLC Goldman Activebeta US LC ETF | 1.41% | 5,102,939 | $545.8M | Add +30.4% |
| GBIL Goldman Sachs Access Treasur | 1.35% | 5,224,492 | $522.9M | Reduce -2.3% |
| SCHF Schwab Intl Equity ETF | 1.27% | 12,716,823 | $488.6M | Reduce -3.1% |
| IEMG iShares Core MSCI Emerging | 1.26% | 9,058,592 | $484.9M | Reduce -4.0% |
| SCHB Schwab US Broad Market ETF | 1.01% | 6,171,023 | $388.0M | Reduce -2.3% |
| ESGU iShares ESG Aware MSCI USA | 1.00% | 3,228,147 | $385.2M | Add +26.0% |
| STIP iShares 0-5 Year Tips Bond E | 0.87% | 3,373,251 | $335.6M | Add +8.3% |
| TFI SS SPDR N Ice Muni Bond ETF | 0.82% | 6,904,114 | $315.9M | Reduce -1.9% |
| ESGD iShares Trust iShares ESG Aw | 0.69% | 3,357,341 | $264.5M | Reduce -16.4% |
| JPST JPMorgan Ultra-Short Income | 0.68% | 5,180,348 | $261.5M | Add +10.5% |
| CRBN Ish Low Car Opt Ms Ac ETF-US | 0.60% | 1,265,178 | $231.9M | Add +0.4% |
| IWS iShares Russell Mid-Cap Valu | 0.60% | 1,911,224 | $230.8M | Reduce -3.4% |
| GSIE Goldman Sachs Activebeta Int | 0.59% | 6,716,207 | $226.0M | Add +18.3% |
| SHV iShares 0-1 Year Treasury Bo | 0.46% | 1,590,715 | $175.8M | Reduce -9.3% |
| SPYV SS SPDR P S&P 500 Value ETF | 0.38% | 3,008,399 | $146.6M | Reduce -4.3% |
| VTIP Vanguard Short-Term Tips | 0.38% | 3,009,028 | $146.1M | Reduce -10.0% |
| IWN iShares Russell 2000 Value E | 0.35% | 893,505 | $136.1M | Reduce -4.2% |
| VWOB Vanguard Emerg MKTS Gov BND | 0.32% | 1,984,831 | $124.9M | Reduce -5.9% |
| SCHV Schwab US Large-Cap Value | 0.32% | 1,650,491 | $122.3M | Reduce -3.0% |
| VOO Vanguard S&P 500 ETF | 0.29% | 224,390 | $112.2M | Add +0.4% |
| ESGE iShares Inc. iShares ESG Awar | 0.27% | 3,147,310 | $105.5M | Add +5.4% |
| BND Vanguard Total Bond Market | 0.25% | 1,345,507 | $96.9M | Reduce -3.2% |
| IVV iShares Core S&P 500 ETF | 0.24% | 172,682 | $94.5M | Add +254.9% |
| SPYX SS SPDR S&P 500 Foss FL ETF | 0.23% | 1,960,498 | $87.4M | Reduce -7.4% |
| IVE iShares S&P 500 Value ETF | 0.21% | 435,867 | $79.3M | Reduce -2.4% |
| VOTE TCW Transform 500 ETF | 0.20% | 1,187,388 | $75.5M | Add +21.7% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.20% | 201,700 | $75.4M | Reduce -0.2% |
| KOMP SS SPDR S&P Kensho Ne Comp | 0.19% | 1,583,093 | $72.9M | Add +8.8% |
| IAGG iShares Intl Aggregate Bond | 0.18% | 1,387,874 | $69.3M | Add +15.5% |
| DFAC Dimensional US Core Equity 2 | 0.18% | 2,102,513 | $67.8M | Add +14.5% |
| SCHX Schwab US Large-Cap ETF | 0.17% | 992,986 | $63.8M | Add +318.9% |
| SHM SS SPDR N Ice St Muni ETF | 0.17% | 1,349,895 | $63.7M | New |
| BGRN iShares Usd Green Bond ETF | 0.14% | 1,183,727 | $55.1M | Add +12.1% |
| GSSC Goldman Sachs Activebeta US | 0.14% | 856,494 | $54.3M | Add +17.6% |
| EFAX State Street SPDR MSCI Eafe | 0.14% | 1,298,747 | $53.0M | Add +5.0% |
| ESML iShares ESG Aware MSCI USA S | 0.14% | 1,375,401 | $53.0M | Add +189.9% |
| GEM Goldman Sachs Activebeta Em | 0.13% | 1,541,395 | $50.4M | Add +7.6% |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.13% | 1,380,571 | $48.4M | Add +77.7% |
| DSI iShares ESG MSCI KLD 400 ETF | 0.12% | 447,015 | $46.4M | Reduce -8.8% |
| DFAU Dimensional US Core Equity M | 0.11% | 1,094,099 | $41.0M | Add +6.8% |
| EAGG iShares ESG Aware US Aggrega | 0.10% | 849,354 | $39.6M | Add +94.0% |
| ESGV Vanguard ESG US Stock ETF | 0.09% | 374,736 | $36.2M | Add +4.2% |
| BSV Vanguard Short-Term Bond ETF | 0.09% | 467,752 | $35.9M | Add +6.5% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.08% | 143,581 | $31.3M | Add +2.6% |
| GIGB Goldman Sachs Inv GRD Corp. | 0.08% | 663,632 | $30.0M | Add +23.1% |
| DFIC Dimensional International Co. | 0.07% | 1,085,052 | $28.5M | Add +27.4% |
| DFCF Dimensional Core Fixed Inc. | 0.07% | 664,878 | $27.6M | Add +14.0% |
| DFAI Dimensional International Co. | 0.07% | 905,454 | $26.9M | Add +9.5% |
| GCOR Goldman Sachs Access US Agg | 0.07% | 645,058 | $26.3M | Reduce -20.5% |
| EEMX State Street SPDR MSCI Emerg | 0.07% | 806,292 | $26.1M | Reduce -16.8% |
| SUSC iShares ESG Aware Usd Corpor | 0.06% | 1,036,957 | $23.6M | Add +54.6% |
| SUSA iShares ESG Optimized MSCI U | 0.06% | 192,784 | $21.7M | Reduce -3.4% |
| SPEM State Street SP PTF Em ETF | 0.05% | 514,334 | $19.4M | Reduce -5.7% |
| DFEM Dimensional Emrg MRKT Core | 0.05% | 700,507 | $18.7M | Add +16.0% |
| QQQ Invesco QQQ Trust Series 1 | 0.05% | 37,392 | $17.9M | Add +9.4% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.04% | 75,461 | $17.3M | Add +0.0% |
| GHYB Goldman Sachs Access HY Corp. | 0.04% | 391,965 | $17.3M | Add +707.8% |
| VIG Vanguard Dividend Apprec ETF | 0.04% | 93,591 | $17.1M | Add +14.5% |
| TFLO iShares Treasury Floating Ra | 0.04% | 302,225 | $15.3M | Add +247.5% |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | 0.04% | 135,594 | $14.5M | Reduce -0.4% |
| VUSB Vanguard Ultra Short Bond Et | 0.04% | 288,102 | $14.3M | Add +9.1% |
| BIV Vanguard Intermediate-Term B | 0.04% | 185,435 | $13.9M | Add +6.6% |
| GEMD Goldman Access Em Usd Bond | 0.03% | 329,437 | $13.3M | Add +5.6% |
| AVUV Avantis US Small Cap Value | 0.03% | 147,172 | $13.2M | Add +7.6% |
| FLOT iShares Floating Rate Bond E | 0.03% | 257,157 | $13.1M | Add +7.7% |
| FALN iShares Fallen Angels ETF | 0.03% | 483,724 | $12.7M | Add +81.2% |
| IGEB iShares Investment Grade SYS | 0.03% | 277,375 | $12.3M | Add +34.6% |
| DFAT Dimensional US Target Value | 0.03% | 235,744 | $12.2M | Add +24.2% |
| BLV Vanguard Long-Term Bond ETF | 0.03% | 163,131 | $11.5M | Add +2.5% |
| GMOM Cambria Global Momentum ETF | 0.03% | 390,773 | $11.1M | Reduce -0.7% |
| VGLT Vanguard Long-Term Treasury | 0.03% | 192,718 | $11.1M | Add +89.2% |
| SHYG iShares 0-5 YR HY Corp. Bond | 0.03% | 258,409 | $10.9M | Add +27.9% |
| CMF iShares California Muni Bond | 0.03% | 189,166 | $10.8M | Add +15.9% |
| SCHH Schwab US REIT ETF | 0.03% | 531,181 | $10.6M | Reduce -4.8% |
| VMBS Vanguard Mortgage-Backed Sec | 0.03% | 233,366 | $10.6M | Add +1.5% |
| HYMB SS SPDR N Ice HY Muni ETF | 0.03% | 389,927 | $9.9M | Add +8.8% |
| COMB Graniteshares Bcom Broad STR | 0.02% | 466,433 | $9.5M | Reduce -7.7% |
| GSEU Goldman Activebta Eur Eq ETF | 0.02% | 260,347 | $9.4M | New |
| IJR iShares Core S&P Small-Cap E | 0.02% | 86,335 | $9.2M | Add +378.6% |
| MBB iShares MBS ETF | 0.02% | 98,852 | $9.1M | Reduce -21.0% |
| DFSD Dimensional Short Duration | 0.02% | 191,583 | $9.0M | Add +19.4% |
| JMSI JPM Sus Municipal Income filed as J P MORGAN EXCHANGE TRADED F | 0.02% | 174,732 | $8.8M | New |
| DCOR Dimensional US Core Eq 1 ETF | 0.02% | 145,061 | $8.6M | Add +42.2% |
| HYLB Xtrackers Usd High Yield Cor | 0.02% | 239,494 | $8.5M | Reduce -6.1% |
| NYF iShares New York Muni Bond E | 0.02% | 155,257 | $8.3M | Add +17.1% |
Portfolio Sells Q1 2024 → Q2 2024
| VTI VG Morningstar TS MKT ETF-US | Reduce -2.1% | 19.61% | −0.54 |
| VWO Vanguard Ftse Emerging Marke | Reduce -8.2% | 6.65% | −0.51 |
| BNDX Vanguard Total Intl Bond ETF | Reduce -11.7% | 2.59% | −0.48 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -10.0% | 1.81% | −0.38 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Reduce -10.6% | 1.89% | −0.38 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -8.1% | 2.48% | −0.36 |
| ESGD iShares Trust iShares ESG Aw | Reduce -16.4% | 0.69% | −0.18 |
| EMB iShares JP Morgan Usd Emergi | Reduce -2.0% | 1.96% | −0.14 |
| ITOT iShares Core S&P Total U.S. | Reduce -2.4% | 3.81% | −0.11 |
| SCHF Schwab Intl Equity ETF | Reduce -3.1% | 1.27% | −0.11 |
| GBIL Goldman Sachs Access Treasur | Reduce -2.3% | 1.35% | −0.09 |
| IWS iShares Russell Mid-Cap Valu | Reduce -3.4% | 0.60% | −0.07 |
| SHV iShares 0-1 Year Treasury Bo | Reduce -9.3% | 0.46% | −0.06 |
| TFI SS SPDR N Ice Muni Bond ETF | Reduce -1.9% | 0.82% | −0.06 |
| VTIP Vanguard Short-Term Tips | Reduce -10.0% | 0.38% | −0.05 |
| IEMG iShares Core MSCI Emerging | Reduce -4.0% | 1.26% | −0.05 |
| IWN iShares Russell 2000 Value E | Reduce -4.2% | 0.35% | −0.04 |
| SPYV SS SPDR P S&P 500 Value ETF | Reduce -4.3% | 0.38% | −0.04 |
| VWOB Vanguard Emerg MKTS Gov BND | Reduce -5.9% | 0.32% | −0.04 |
| SCHV Schwab US Large-Cap Value | Reduce -3.0% | 0.32% | −0.03 |
| SCHB Schwab US Broad Market ETF | Reduce -2.3% | 1.01% | −0.03 |
| GCOR Goldman Sachs Access US Agg | Reduce -20.5% | 0.07% | −0.02 |
| BND Vanguard Total Bond Market | Reduce -3.2% | 0.25% | −0.02 |
| IVE iShares S&P 500 Value ETF | Reduce -2.4% | 0.21% | −0.02 |
| SPYX SS SPDR S&P 500 Foss FL ETF | Reduce -7.4% | 0.23% | −0.02 |
| EEMX State Street SPDR MSCI Emerg | Reduce -16.8% | 0.07% | −0.01 |
| DSI iShares ESG MSCI KLD 400 ETF | Reduce -8.8% | 0.12% | −0.01 |
| MBB iShares MBS ETF | Reduce -21.0% | 0.02% | −0.01 |
| IGSB iShares 1-5Y Inv Grade Corp. | Reduce -29.4% | 0.01% | −0.00 |
| IEF iShares 7-10 Year Treasury B | Reduce -21.0% | 0.01% | −0.00 |
| PCY Invesco Emerging Markets Sov | Reduce -41.0% | 0.00% | −0.00 |
| SCHH Schwab US REIT ETF | Reduce -4.8% | 0.03% | −0.00 |
| SPEM State Street SP PTF Em ETF | Reduce -5.7% | 0.05% | −0.00 |
| SLYV SS SPDR S&P 600 SC Val ETF | Reduce -48.8% | 0.00% | −0.00 |
| HYLB Xtrackers Usd High Yield Cor | Reduce -6.1% | 0.02% | −0.00 |
| COMB Graniteshares Bcom Broad STR | Reduce -7.7% | 0.02% | −0.00 |
| SUSA iShares ESG Optimized MSCI U | Reduce -3.4% | 0.06% | −0.00 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Reduce -0.4% | 0.04% | −0.00 |
| GMOM Cambria Global Momentum ETF | Reduce -0.7% | 0.03% | −0.00 |
| QUAL iShares MSCI USA Quality Fac | Reduce -27.3% | 0.01% | −0.00 |
| BITB Bitwise Bitcoin ETF | Reduce -5.7% | 0.01% | −0.00 |
| IJJ iShares S&P Mid-Cap 400 Valu | Reduce -13.9% | 0.01% | −0.00 |
| BOND PIMCO Active Bond Exchange-T | Reduce -55.7% | 0.00% | −0.00 |
| ILCG iShares Morningstar Growth E | Sold out | 0.00% | −0.00 |
| EFV iShares MSCI Eafe Value ETF | Reduce -37.7% | 0.00% | −0.00 |
| VGSH Vanguard Short-Term Treasury | Reduce -14.5% | 0.01% | −0.00 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Reduce -6.7% | 0.01% | −0.00 |
| FRDM Freedom 100 Emeging MRKT ETF | Sold out | 0.00% | −0.00 |
| PFEB Innovator U.S. Equity Power | Reduce -40.5% | 0.00% | −0.00 |
| EFG iShares MSCI Eafe Growth ETF | Reduce -42.7% | 0.00% | −0.00 |
Portfolio Buys Q1 2024 → Q2 2024
| SPYM Ste STR SPDR PT S&P 500 ETF | Add +27.0% | 7.08% | +1.53 |
| MUB iShares National Muni Bond E | Add +17.5% | 4.35% | +0.48 |
| GSLC Goldman Activebeta US LC ETF | Add +30.4% | 1.41% | +0.32 |
| ESGU iShares ESG Aware MSCI USA | Add +26.0% | 1.00% | +0.21 |
| IVV iShares Core S&P 500 ETF | Add +254.9% | 0.24% | +0.18 |
| SHM SS SPDR N Ice St Muni ETF | New | 0.17% | +0.17 |
| SCHX Schwab US Large-Cap ETF | Add +318.9% | 0.17% | +0.13 |
| ESML iShares ESG Aware MSCI USA S | Add +189.9% | 0.14% | +0.09 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Add +11.9% | 2.16% | +0.08 |
| GSIE Goldman Sachs Activebeta Int | Add +18.3% | 0.59% | +0.06 |
| SPSM SS SPDR P S&P 600 Small Cap | Add +11.3% | 1.58% | +0.06 |
| SPDW Ste STR SPDR PT DW Eu ETF | Add +77.7% | 0.13% | +0.05 |
| EAGG iShares ESG Aware US Aggrega | Add +94.0% | 0.10% | +0.05 |
| JPST JPMorgan Ultra-Short Income | Add +10.5% | 0.68% | +0.04 |
| GHYB Goldman Sachs Access HY Corp. | Add +707.8% | 0.04% | +0.04 |
| STIP iShares 0-5 Year Tips Bond E | Add +8.3% | 0.87% | +0.04 |
| VOTE TCW Transform 500 ETF | Add +21.7% | 0.20% | +0.04 |
| TFLO iShares Treasury Floating Ra | Add +247.5% | 0.04% | +0.03 |
| GSEU Goldman Activebta Eur Eq ETF | New | 0.02% | +0.02 |
| JMSI JPM Sus Municipal Income | New | 0.02% | +0.02 |
| SUSC iShares ESG Aware Usd Corpor | Add +54.6% | 0.06% | +0.02 |
| IJR iShares Core S&P Small-Cap E | Add +378.6% | 0.02% | +0.02 |
| IAGG iShares Intl Aggregate Bond | Add +15.5% | 0.18% | +0.02 |
| DFAC Dimensional US Core Equity 2 | Add +14.5% | 0.18% | +0.02 |
| AGG iShares Core U.S. Aggregate | Add +4.9% | 4.65% | +0.02 |
| ESGE iShares Inc. iShares ESG Awar | Add +5.4% | 0.27% | +0.02 |
| FALN iShares Fallen Angels ETF | Add +81.2% | 0.03% | +0.01 |
| JNK SS SPDR BB High Yield Bond | Add +447.1% | 0.02% | +0.01 |
| DFIC Dimensional International Co. | Add +27.4% | 0.07% | +0.01 |
| VGLT Vanguard Long-Term Treasury | Add +89.2% | 0.03% | +0.01 |
| GSSC Goldman Sachs Activebeta US | Add +17.6% | 0.14% | +0.01 |
| GIGB Goldman Sachs Inv GRD Corp. | Add +23.1% | 0.08% | +0.01 |
| BNDW Vanguard Total World Bond Et | New | 0.01% | +0.01 |
| MOAT Vaneck Morningstar Wide Moat | Add +477.1% | 0.01% | +0.01 |
| GEM Goldman Sachs Activebeta Em | Add +7.6% | 0.13% | +0.01 |
| BGRN iShares Usd Green Bond ETF | Add +12.1% | 0.14% | +0.01 |
| EMHY iShares J.P. Morgan Em High | Add +121.6% | 0.02% | +0.01 |
| VNQ Vanguard Real Estate ETF | Add +142.0% | 0.02% | +0.01 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +189.8% | 0.01% | +0.01 |
| VEU Vanguard Ftse All-World Ex-U | Add +367.7% | 0.01% | +0.01 |
| VNQI Vanguard GLBL Ex-US Real Est | Add +86.7% | 0.02% | +0.01 |
| DFUS Dimensional US Eq MKT ETF | Add +88.0% | 0.02% | +0.01 |
| SCHA Schwab US Small-Cap ETF | Add +216.4% | 0.01% | +0.01 |
| USDX Sgi Enhanced Core ETF | New | 0.01% | +0.01 |
| DFEM Dimensional Emrg MRKT Core | Add +16.0% | 0.05% | +0.01 |
| IGEB iShares Investment Grade SYS | Add +34.6% | 0.03% | +0.01 |
| AVUS Avantis U.S. Equity ETF | Add +305.9% | 0.01% | +0.01 |
| PULS Pgim Ultra Short Bond ETF | Add +388.7% | 0.01% | +0.01 |
| DCOR Dimensional US Core Eq 1 ETF | Add +42.2% | 0.02% | +0.01 |
| DFCF Dimensional Core Fixed Inc. | Add +14.0% | 0.07% | +0.01 |
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 |