Betterment LLC
In its 13F for Q3 2024 (holdings as of September 30, 2024, filed November 14, 2024), Betterment LLC reported 421 stock positions worth $41.9 billion. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 18.7% of the portfolio, followed by Vanguard Ftse Developed ETF (VEA, 16.1%) and Ste STR SPDR PT S&P 500 ETF (SPYM, 7.9%). Compared with Q2 2024, it opened 38 new positions, sold out of 9, added to 253 and reduced 126. The biggest buy was Ste STR SPDR PT S&P 500 ETF (SPYM, shares +15%) 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
- $41.9B (Q3 2024)
- SEC Filing
- 0001633901-24-000007 ↗ filed Nov 14, 2024
Holdings Value
Holdings 421 stocks · $41.9B
| VTI VG Morningstar TS MKT ETF-US | 18.69% | 27,655,902 | $7.8B | Reduce -2.3% |
| VEA Vanguard Ftse Developed ETF | 16.05% | 127,353,008 | $6.7B | Add +2.2% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 7.91% | 49,087,696 | $3.3B | Add +14.9% |
| VWO Vanguard Ftse Emerging Marke | 6.72% | 58,838,225 | $2.8B | Add +0.4% |
| AGG iShares Core U.S. Aggregate | 4.54% | 18,763,817 | $1.9B | Add +1.5% |
| MUB iShares National Muni Bond E | 4.38% | 16,886,596 | $1.8B | Add +7.1% |
| ITOT iShares Core S&P Total U.S. | 3.64% | 12,128,884 | $1.5B | Reduce -2.1% |
| BNDX Vanguard Total Intl Bond ETF | 2.49% | 20,772,824 | $1.0B | Add +1.1% |
| VTV Vanguard Mrngstr Val ETF-Aui | 2.41% | 5,789,247 | $1.0B | Reduce -3.0% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 2.26% | 17,285,695 | $945.2M | Add +6.3% |
| IEFA iShares Core MSCI Eafe ETF | 2.12% | 11,372,688 | $887.6M | Reduce -2.6% |
| EMB iShares JP Morgan Usd Emergi | 1.95% | 8,724,204 | $816.4M | Add +1.8% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 1.87% | 4,680,672 | $784.8M | Reduce -3.3% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 1.77% | 3,697,782 | $742.4M | Reduce -3.5% |
| SPSM SS SPDR P S&P 600 Small Cap | 1.68% | 15,470,868 | $704.1M | Add +5.6% |
| GSLC Goldman Activebeta US LC ETF | 1.41% | 5,223,651 | $590.0M | Add +2.4% |
| GBIL Goldman Sachs Access Treasur | 1.30% | 5,416,815 | $543.3M | Add +3.7% |
| SCHF Schwab Intl Equity ETF | 1.23% | 12,496,060 | $513.8M | Reduce -1.7% |
| IEMG iShares Core MSCI Emerging | 1.19% | 8,656,001 | $496.9M | Reduce -4.4% |
| ESGU iShares ESG Aware MSCI USA | 1.00% | 3,317,937 | $418.7M | Add +2.8% |
| SCHB Schwab US Broad Market ETF | 0.96% | 6,055,329 | $402.8M | Reduce -1.9% |
| STIP iShares 0-5 Year Tips Bond E | 0.94% | 3,869,140 | $392.0M | Add +14.7% |
| TFI SS SPDR N Ice Muni Bond ETF | 0.77% | 6,847,227 | $320.7M | Reduce -0.8% |
| JPST JPMorgan Ultra-Short Income | 0.69% | 5,721,617 | $290.3M | Add +10.4% |
| ESGD iShares Trust iShares ESG Aw | 0.67% | 3,350,199 | $282.0M | Reduce -0.2% |
| CRBN Ish Low Car Opt Ms Ac ETF-US | 0.60% | 1,290,004 | $253.0M | Add +2.0% |
| IWS iShares Russell Mid-Cap Valu | 0.59% | 1,855,311 | $245.4M | Reduce -2.9% |
| GSIE Goldman Sachs Activebeta Int | 0.52% | 6,027,150 | $218.0M | Reduce -10.3% |
| SHV iShares 0-1 Year Treasury Bo | 0.37% | 1,398,492 | $154.7M | Reduce -12.1% |
| SPYV SS SPDR P S&P 500 Value ETF | 0.36% | 2,888,435 | $152.7M | Reduce -4.0% |
| IWN iShares Russell 2000 Value E | 0.35% | 869,731 | $145.1M | Reduce -2.7% |
| VTIP Vanguard Short-Term Tips | 0.33% | 2,805,656 | $138.3M | Reduce -6.8% |
| SCHX Schwab US Large-Cap ETF | 0.32% | 1,987,795 | $134.9M | Add +100.2% |
| SCHV Schwab US Large-Cap Value | 0.31% | 1,605,701 | $129.1M | Reduce -2.7% |
| VWOB Vanguard Emerg MKTS Gov BND | 0.30% | 1,894,859 | $125.8M | Reduce -4.5% |
| VOO Vanguard S&P 500 ETF | 0.30% | 235,136 | $124.1M | Add +4.8% |
| BND Vanguard Total Bond Market | 0.29% | 1,592,678 | $119.6M | Add +18.4% |
| ESGE iShares Inc. iShares ESG Awar | 0.28% | 3,238,965 | $117.9M | Add +2.9% |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.27% | 3,001,680 | $112.7M | Add +117.4% |
| IVV iShares Core S&P 500 ETF | 0.22% | 162,672 | $93.8M | Reduce -5.8% |
| SPYX SS SPDR S&P 500 Foss FL ETF | 0.22% | 1,967,593 | $93.0M | Add +0.4% |
| IVE iShares S&P 500 Value ETF | 0.20% | 427,438 | $84.3M | Reduce -1.9% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.20% | 216,718 | $83.2M | Add +7.5% |
| KOMP SS SPDR S&P Kensho Ne Comp | 0.20% | 1,672,069 | $82.5M | Add +5.6% |
| VOTE TCW Transform 500 ETF | 0.20% | 1,229,328 | $82.4M | Add +3.5% |
| IAGG iShares Intl Aggregate Bond | 0.18% | 1,444,481 | $74.9M | Add +4.1% |
| DFAC Dimensional US Core Equity 2 | 0.17% | 2,114,157 | $72.5M | Add +0.6% |
| ESML iShares ESG Aware MSCI USA S | 0.15% | 1,491,317 | $62.4M | Add +8.4% |
| BGRN iShares Usd Green Bond ETF | 0.14% | 1,216,146 | $58.8M | Add +2.7% |
| GEM Goldman Sachs Activebeta Em | 0.14% | 1,660,288 | $58.3M | Add +7.7% |
| EFAX State Street SPDR MSCI Eafe | 0.14% | 1,325,675 | $58.0M | Add +2.1% |
| GSSC Goldman Sachs Activebeta US | 0.12% | 730,400 | $50.7M | Reduce -14.7% |
| DSI iShares ESG MSCI KLD 400 ETF | 0.11% | 439,974 | $47.9M | Reduce -1.6% |
| GIGB Goldman Sachs Inv GRD Corp. | 0.11% | 992,881 | $47.0M | Add +49.6% |
| DFAU Dimensional US Core Equity M | 0.11% | 1,173,473 | $46.6M | Add +7.3% |
| SHM SS SPDR N Ice St Muni ETF | 0.10% | 903,339 | $43.5M | Reduce -33.1% |
| EAGG iShares ESG Aware US Aggrega | 0.10% | 894,859 | $43.5M | Add +5.4% |
| ESGV Vanguard ESG US Stock ETF | 0.10% | 422,517 | $42.9M | Add +12.8% |
| BSV Vanguard Short-Term Bond ETF | 0.09% | 493,568 | $38.8M | Add +5.5% |
| GSEU Goldman Activebta Eur Eq ETF | 0.09% | 970,788 | $37.4M | Add +272.9% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.08% | 149,228 | $35.4M | Add +3.9% |
| DFAI Dimensional International Co. | 0.08% | 1,067,672 | $33.9M | Add +17.9% |
| DFIC Dimensional International Co. | 0.08% | 1,184,866 | $33.3M | Add +9.2% |
| DFCF Dimensional Core Fixed Inc. | 0.08% | 757,982 | $32.7M | Add +14.0% |
| EEMX State Street SPDR MSCI Emerg | 0.07% | 793,687 | $28.0M | Reduce -1.6% |
| SUSC iShares ESG Aware Usd Corpor | 0.07% | 1,151,876 | $27.4M | Add +11.1% |
| FALN iShares Fallen Angels ETF | 0.06% | 975,749 | $26.7M | Add +101.7% |
| GCOR Goldman Sachs Access US Agg | 0.06% | 575,517 | $24.5M | Reduce -10.8% |
| SPEM State Street SP PTF Em ETF | 0.06% | 585,453 | $24.2M | Add +13.8% |
| TFLO iShares Treasury Floating Ra | 0.06% | 474,989 | $24.0M | Add +57.2% |
| SUSA iShares ESG Optimized MSCI U | 0.05% | 190,078 | $22.9M | Reduce -1.4% |
| QQQ Invesco QQQ Trust Series 1 | 0.05% | 46,497 | $22.7M | Add +24.4% |
| DFEM Dimensional Emrg MRKT Core | 0.05% | 758,949 | $21.4M | Add +8.3% |
| GHYB Goldman Sachs Access HY Corp. | 0.05% | 463,001 | $21.1M | Add +18.1% |
| VIG Vanguard Dividend Apprec ETF | 0.05% | 103,559 | $20.5M | Add +10.7% |
| VGLT Vanguard Long-Term Treasury | 0.05% | 323,741 | $19.9M | Add +68.0% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.04% | 76,773 | $18.7M | Add +1.7% |
| GEMD Goldman Access Em Usd Bond | 0.04% | 437,633 | $18.6M | Add +32.8% |
| IGEB iShares Investment Grade SYS | 0.04% | 392,161 | $18.2M | Add +41.4% |
| SHY iShares 1-3 Year Treasury Bo | 0.04% | 211,539 | $17.6M | Add +2546.6% |
| DCOR Dimensional US Core Eq 1 ETF | 0.04% | 252,253 | $16.0M | Add +73.9% |
| BIV Vanguard Intermediate-Term B | 0.04% | 200,140 | $15.7M | Add +7.9% |
| SHYG iShares 0-5 YR HY Corp. Bond | 0.04% | 343,033 | $14.9M | Add +32.8% |
| JMSI JPM Sus Municipal Income filed as J P MORGAN EXCHANGE TRADED F | 0.04% | 287,572 | $14.7M | Add +64.6% |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | 0.04% | 129,683 | $14.7M | Reduce -4.4% |
| VUSB Vanguard Ultra Short Bond Et | 0.03% | 292,143 | $14.6M | Add +1.4% |
| AVUV Avantis US Small Cap Value | 0.03% | 151,464 | $14.5M | Add +2.9% |
| DFAT Dimensional US Target Value | 0.03% | 248,953 | $13.8M | Add +5.6% |
| FLOT iShares Floating Rate Bond E | 0.03% | 256,834 | $13.1M | Reduce -0.1% |
| BLV Vanguard Long-Term Bond ETF | 0.03% | 171,359 | $12.9M | Add +5.0% |
| SCHH Schwab US REIT ETF | 0.03% | 547,563 | $12.7M | Add +3.1% |
| VMBS Vanguard Mortgage-Backed Sec | 0.03% | 259,547 | $12.3M | Add +11.2% |
| HYMB SS SPDR N Ice HY Muni ETF | 0.03% | 441,544 | $11.6M | Add +13.2% |
| CMF iShares California Muni Bond | 0.03% | 194,690 | $11.3M | Add +2.9% |
| DFLV Dim US Large Cap Value ETF | 0.03% | 363,095 | $11.2M | Add +47.8% |
| GMOM Cambria Global Momentum ETF | 0.03% | 377,166 | $11.2M | Reduce -3.5% |
| IGSB iShares 1-5Y Inv Grade Corp. | 0.03% | 209,729 | $11.0M | Add +170.4% |
| GSJY Goldman Activebeta JP Eq ETF | 0.02% | 263,342 | $10.4M | Add +356.9% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.02% | 38,339 | $10.1M | Add +68.8% |
| DFSD Dimensional Short Duration | 0.02% | 204,146 | $9.7M | Add +6.6% |
Portfolio Sells Q2 2024 → Q3 2024
| VTI VG Morningstar TS MKT ETF-US | Reduce -2.3% | 18.69% | −0.92 |
| ITOT iShares Core S&P Total U.S. | Reduce -2.1% | 3.64% | −0.18 |
| SHV iShares 0-1 Year Treasury Bo | Reduce -12.1% | 0.37% | −0.09 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -2.6% | 2.12% | −0.08 |
| IEMG iShares Core MSCI Emerging | Reduce -4.4% | 1.19% | −0.07 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -3.0% | 2.41% | −0.07 |
| GSIE Goldman Sachs Activebeta Int | Reduce -10.3% | 0.52% | −0.07 |
| SHM SS SPDR N Ice St Muni ETF | Reduce -33.1% | 0.10% | −0.06 |
| TFI SS SPDR N Ice Muni Bond ETF | Reduce -0.8% | 0.77% | −0.05 |
| VTIP Vanguard Short-Term Tips | Reduce -6.8% | 0.33% | −0.05 |
| SCHB Schwab US Broad Market ETF | Reduce -1.9% | 0.96% | −0.04 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -3.5% | 1.77% | −0.04 |
| SCHF Schwab Intl Equity ETF | Reduce -1.7% | 1.23% | −0.04 |
| VWOB Vanguard Emerg MKTS Gov BND | Reduce -4.5% | 0.30% | −0.02 |
| IVV iShares Core S&P 500 ETF | Reduce -5.8% | 0.22% | −0.02 |
| GSSC Goldman Sachs Activebeta US | Reduce -14.7% | 0.12% | −0.02 |
| SPYV SS SPDR P S&P 500 Value ETF | Reduce -4.0% | 0.36% | −0.02 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Reduce -3.3% | 1.87% | −0.01 |
| IWS iShares Russell Mid-Cap Valu | Reduce -2.9% | 0.59% | −0.01 |
| ESGD iShares Trust iShares ESG Aw | Reduce -0.2% | 0.67% | −0.01 |
| GCOR Goldman Sachs Access US Agg | Reduce -10.8% | 0.06% | −0.01 |
| SCHV Schwab US Large-Cap Value | Reduce -2.7% | 0.31% | −0.01 |
| IWN iShares Russell 2000 Value E | Reduce -2.7% | 0.35% | −0.01 |
| DSI iShares ESG MSCI KLD 400 ETF | Reduce -1.6% | 0.11% | −0.01 |
| JNK SS SPDR BB High Yield Bond | Reduce -24.2% | 0.01% | −0.00 |
| BINC iShares Flex I A ETF-Usd Inc. | Reduce -52.0% | 0.00% | −0.00 |
| IVE iShares S&P 500 Value ETF | Reduce -1.9% | 0.20% | −0.00 |
| MBB iShares MBS ETF | Reduce -14.0% | 0.02% | −0.00 |
| USIG iShares Broad Usd Investment | Sold out | 0.00% | −0.00 |
| SGOV iShares 0-3 Month Treasury B | Reduce -28.7% | 0.01% | −0.00 |
| VNQ Vanguard Real Estate ETF | Reduce -23.0% | 0.01% | −0.00 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Reduce -4.4% | 0.04% | −0.00 |
| FLOT iShares Floating Rate Bond E | Reduce -0.1% | 0.03% | −0.00 |
| FNDA Schwab Fndmntl US SM Co. ETF | Reduce -44.1% | 0.00% | −0.00 |
| IJR iShares Core S&P Small-Cap E | Reduce -10.7% | 0.02% | −0.00 |
| GMOM Cambria Global Momentum ETF | Reduce -3.5% | 0.03% | −0.00 |
| ICSH iShares Ultra Short Duration | Reduce -38.3% | 0.00% | −0.00 |
| SCHZ Schwab US Aggregate Bond ETF | Reduce -73.5% | 0.00% | −0.00 |
| VCSH Vanguard S/T Corp. Bond ETF | Reduce -18.6% | 0.01% | −0.00 |
| DFIV Dimensional International Va | Reduce -11.5% | 0.01% | −0.00 |
| BALT Inn Defined Wealth Shield | Sold out | 0.00% | −0.00 |
| SUSA iShares ESG Optimized MSCI U | Reduce -1.4% | 0.05% | −0.00 |
| OIH Vaneck Oil Services ETF | Sold out | 0.00% | −0.00 |
| XLE SS Energy Select Sector | Reduce -40.4% | 0.00% | −0.00 |
| DGS Wisdomtree Em Small Cap | Reduce -43.8% | 0.00% | −0.00 |
| HYLB Xtrackers Usd High Yield Cor | Reduce -2.1% | 0.02% | −0.00 |
| MTUM iShares MSCI USA Momentum Fa | Reduce -7.6% | 0.01% | −0.00 |
| VGT Vanguard Info Tech ETF | Sold out | 0.00% | −0.00 |
| WTMF Wisdomtree MGD Futures Strat | Reduce -4.2% | 0.01% | −0.00 |
| GPIQ GS Nasdaq-100 PR Inc. ETF-Usd | Sold out | 0.00% | −0.00 |
Portfolio Buys Q2 2024 → Q3 2024
| SPYM Ste STR SPDR PT S&P 500 ETF | Add +14.9% | 7.91% | +0.83 |
| SCHX Schwab US Large-Cap ETF | Add +100.2% | 0.32% | +0.16 |
| SPDW Ste STR SPDR PT DW Eu ETF | Add +117.4% | 0.27% | +0.14 |
| SPSM SS SPDR P S&P 600 Small Cap | Add +5.6% | 1.68% | +0.10 |
| VEA Vanguard Ftse Developed ETF | Add +2.2% | 16.05% | +0.10 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Add +6.3% | 2.26% | +0.10 |
| VWO Vanguard Ftse Emerging Marke | Add +0.4% | 6.72% | +0.07 |
| STIP iShares 0-5 Year Tips Bond E | Add +14.7% | 0.94% | +0.07 |
| GSEU Goldman Activebta Eur Eq ETF | Add +272.9% | 0.09% | +0.06 |
| SHY iShares 1-3 Year Treasury Bo | Add +2546.6% | 0.04% | +0.04 |
| BND Vanguard Total Bond Market | Add +18.4% | 0.29% | +0.03 |
| GIGB Goldman Sachs Inv GRD Corp. | Add +49.6% | 0.11% | +0.03 |
| FALN iShares Fallen Angels ETF | Add +101.7% | 0.06% | +0.03 |
| MUB iShares National Muni Bond E | Add +7.1% | 4.38% | +0.02 |
| GSJY Goldman Activebeta JP Eq ETF | Add +356.9% | 0.02% | +0.02 |
| VGLT Vanguard Long-Term Treasury | Add +68.0% | 0.05% | +0.02 |
| TFLO iShares Treasury Floating Ra | Add +57.2% | 0.06% | +0.02 |
| IGSB iShares 1-5Y Inv Grade Corp. | Add +170.4% | 0.03% | +0.02 |
| DCOR Dimensional US Core Eq 1 ETF | Add +73.9% | 0.04% | +0.02 |
| JPST JPMorgan Ultra-Short Income | Add +10.4% | 0.69% | +0.02 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Add +164.1% | 0.02% | +0.01 |
| USDX Sgi Enhanced Core ETF | Add +190.5% | 0.02% | +0.01 |
| JMSI JPM Sus Municipal Income | Add +64.6% | 0.04% | +0.01 |
| ESML iShares ESG Aware MSCI USA S | Add +8.4% | 0.15% | +0.01 |
| IGEB iShares Investment Grade SYS | Add +41.4% | 0.04% | +0.01 |
| DFAI Dimensional International Co. | Add +17.9% | 0.08% | +0.01 |
| GEMD Goldman Access Em Usd Bond | Add +32.8% | 0.04% | +0.01 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +68.8% | 0.02% | +0.01 |
| GEM Goldman Sachs Activebeta Em | Add +7.7% | 0.14% | +0.01 |
| ESGV Vanguard ESG US Stock ETF | Add +12.8% | 0.10% | +0.01 |
| DFLV Dim US Large Cap Value ETF | Add +47.8% | 0.03% | +0.01 |
| IEUR iShares Core MSCI Europe ETF | New | 0.01% | +0.01 |
| USHY iShares Broad Usd High Yield | Add +67.2% | 0.02% | +0.01 |
| ESGE iShares Inc. iShares ESG Awar | Add +2.9% | 0.28% | +0.01 |
| KOMP SS SPDR S&P Kensho Ne Comp | Add +5.6% | 0.20% | +0.01 |
| QQQ Invesco QQQ Trust Series 1 | Add +24.4% | 0.05% | +0.01 |
| GSST Goldman Sachs Ultra Short Bo | New | 0.01% | +0.01 |
| SPEM State Street SP PTF Em ETF | Add +13.8% | 0.06% | +0.01 |
| SHYG iShares 0-5 YR HY Corp. Bond | Add +32.8% | 0.04% | +0.01 |
| DFCF Dimensional Core Fixed Inc. | Add +14.0% | 0.08% | +0.01 |
| GHYB Goldman Sachs Access HY Corp. | Add +18.1% | 0.05% | +0.01 |
| DFIC Dimensional International Co. | Add +9.2% | 0.08% | +0.01 |
| IGIB iShares 5-10Y Inv Grade Corp. | Add +179.0% | 0.01% | +0.01 |
| SCHA Schwab US Small-Cap ETF | Add +44.4% | 0.02% | +0.01 |
| MEAR Ishrs Short Mat Muni Act ETF | New | 0.01% | +0.01 |
| HYDB iShares High Yield Systemati | Add +52.0% | 0.02% | +0.01 |
| VOO Vanguard S&P 500 ETF | Add +4.8% | 0.30% | +0.01 |
| GTIP Goldman Sachs Access Inflati | Add +39.0% | 0.02% | +0.01 |
| DFAU Dimensional US Core Equity M | Add +7.3% | 0.11% | +0.00 |
| VIG Vanguard Dividend Apprec ETF | Add +10.7% | 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 |