Betterment LLC
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed February 14, 2025), Betterment LLC reported 444 stock positions worth $41.9 billion. Its top holding was VG Morningstar TS MKT ETF-US (VTI) at 18.6% of the portfolio, followed by Vanguard Ftse Developed ETF (VEA, 15.7%) and Ste STR SPDR PT S&P 500 ETF (SPYM, 8.7%). Compared with Q3 2024, it opened 34 new positions, sold out of 11, added to 281 and reduced 124. The biggest buy was Ste STR SPDR PT S&P 500 ETF (SPYM, shares +8%) and the biggest sale iShares Core MSCI Eafe ETF (IEFA, shares −0%).
- Most Recent 13F
- Q2 2026
- Location
- NEW YORK, NY
- CIK
- 0001633901
- Portfolio Value
- $41.9B (Q4 2024)
- SEC Filing
- 0001633901-25-000004 ↗ filed Feb 14, 2025
Holdings Value
Holdings 444 stocks · $41.9B
| VTI VG Morningstar TS MKT ETF-US | 18.63% | 26,969,096 | $7.8B | Reduce -2.5% |
| VEA Vanguard Ftse Developed ETF | 15.67% | 137,485,176 | $6.6B | Add +8.0% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 8.70% | 52,912,384 | $3.6B | Add +7.8% |
| VWO Vanguard Ftse Emerging Marke | 6.28% | 59,799,391 | $2.6B | Add +1.6% |
| MUB iShares National Muni Bond E | 4.64% | 18,258,259 | $1.9B | Add +8.1% |
| AGG iShares Core U.S. Aggregate | 4.60% | 19,893,388 | $1.9B | Add +6.0% |
| ITOT iShares Core S&P Total U.S. | 3.62% | 11,800,874 | $1.5B | Reduce -2.7% |
| BNDX Vanguard Total Intl Bond ETF | 2.45% | 20,942,074 | $1.0B | Add +0.8% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 2.34% | 17,932,988 | $980.8M | Add +3.7% |
| VTV Vanguard Mrngstr Val ETF-Aui | 2.20% | 5,448,671 | $922.5M | Reduce -5.9% |
| EMB iShares JP Morgan Usd Emergi | 1.92% | 9,034,036 | $804.4M | Add +3.5% |
| IEFA iShares Core MSCI Eafe ETF | 1.90% | 11,366,549 | $798.8M | Reduce -0.1% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 1.74% | 4,509,099 | $729.4M | Reduce -3.7% |
| SPSM SS SPDR P S&P 600 Small Cap | 1.73% | 16,163,720 | $726.1M | Add +4.5% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 1.68% | 3,546,772 | $702.9M | Reduce -4.1% |
| GSLC Goldman Activebeta US LC ETF | 1.47% | 5,346,182 | $615.8M | Add +2.4% |
| GBIL Goldman Sachs Access Treasur | 1.34% | 5,627,968 | $562.3M | Add +3.9% |
| SCHF Schwab Intl Equity ETF | 1.08% | 24,550,119 | $454.2M | Reduce -1.8% |
| ESGU iShares ESG Aware MSCI USA | 1.01% | 3,277,272 | $422.2M | Reduce -1.2% |
| IEMG iShares Core MSCI Emerging | 1.00% | 8,006,857 | $418.1M | Reduce -7.5% |
| STIP iShares 0-5 Year Tips Bond E | 0.97% | 4,050,462 | $407.5M | Add +4.7% |
| SCHB Schwab US Broad Market ETF | 0.96% | 17,773,620 | $403.5M | Reduce -2.2% |
| TFI SS SPDR N Ice Muni Bond ETF | 0.77% | 7,087,899 | $323.4M | Add +3.5% |
| JPST JPMorgan Ultra-Short Income | 0.75% | 6,216,053 | $313.1M | Add +8.6% |
| ESGD iShares Trust iShares ESG Aw | 0.62% | 3,403,920 | $259.2M | Add +1.6% |
| CRBN Ish Low Car Opt Ms Ac ETF-US | 0.60% | 1,299,071 | $251.5M | Add +0.7% |
| IWS iShares Russell Mid-Cap Valu | 0.55% | 1,795,205 | $232.2M | Reduce -3.2% |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.50% | 6,201,642 | $211.7M | Add +106.6% |
| GSIE Goldman Sachs Activebeta Int | 0.41% | 5,095,611 | $169.9M | Reduce -15.5% |
| SHV iShares 0-1 Year Treasury Bo | 0.34% | 1,303,224 | $143.5M | Reduce -6.8% |
| SCHX Schwab US Large-Cap ETF | 0.33% | 6,023,300 | $139.6M | Add +1.0% |
| SPYV SS SPDR P S&P 500 Value ETF | 0.33% | 2,715,418 | $138.9M | Reduce -6.0% |
| IWN iShares Russell 2000 Value E | 0.32% | 829,076 | $136.1M | Reduce -4.7% |
| VOO Vanguard S&P 500 ETF | 0.31% | 238,785 | $128.7M | Add +1.6% |
| VTIP Vanguard Short-Term Tips | 0.29% | 2,514,610 | $121.8M | Reduce -10.4% |
| SCHV Schwab US Large-Cap Value | 0.29% | 4,652,799 | $121.3M | Reduce -3.4% |
| BND Vanguard Total Bond Market | 0.29% | 1,679,216 | $120.8M | Add +5.4% |
| VWOB Vanguard Emerg MKTS Gov BND | 0.28% | 1,852,156 | $117.0M | Reduce -2.3% |
| ESGE iShares Inc. iShares ESG Awar | 0.27% | 3,391,317 | $113.2M | Add +4.7% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.25% | 256,276 | $105.2M | Add +18.3% |
| IVV iShares Core S&P 500 ETF | 0.22% | 158,871 | $93.5M | Reduce -2.3% |
| SPYX SS SPDR S&P 500 Foss FL ETF | 0.22% | 1,933,185 | $93.1M | Reduce -1.8% |
| KOMP SS SPDR S&P Kensho Ne Comp | 0.22% | 1,826,450 | $92.8M | Add +9.2% |
| VOTE TCW Transform 500 ETF | 0.21% | 1,274,494 | $87.7M | Add +3.7% |
| IVE iShares S&P 500 Value ETF | 0.19% | 416,031 | $79.4M | Reduce -2.7% |
| DFAC Dimensional US Core Equity 2 | 0.19% | 2,270,295 | $78.5M | Add +7.4% |
| IAGG iShares Intl Aggregate Bond | 0.17% | 1,449,648 | $72.4M | Add +0.4% |
| ESML iShares ESG Aware MSCI USA S | 0.16% | 1,602,629 | $67.4M | Add +7.5% |
| GSEU Goldman Activebta Eur Eq ETF | 0.16% | 1,898,966 | $65.8M | Add +95.6% |
| BGRN iShares Usd Green Bond ETF | 0.14% | 1,293,055 | $60.3M | Add +6.3% |
| EFAX State Street SPDR MSCI Eafe | 0.14% | 1,435,788 | $57.2M | Add +8.3% |
| GIGB Goldman Sachs Inv GRD Corp. | 0.13% | 1,249,400 | $56.3M | Add +25.8% |
| GEM Goldman Sachs Activebeta Em | 0.13% | 1,744,334 | $55.7M | Add +5.1% |
| DFAU Dimensional US Core Equity M | 0.12% | 1,241,582 | $50.3M | Add +5.8% |
| DSI iShares ESG MSCI KLD 400 ETF | 0.11% | 425,114 | $46.9M | Reduce -3.4% |
| ESGV Vanguard ESG US Stock ETF | 0.10% | 414,023 | $43.4M | Reduce -2.0% |
| EAGG iShares ESG Aware US Aggrega | 0.10% | 898,115 | $41.7M | Add +0.4% |
| GSSC Goldman Sachs Activebeta US | 0.10% | 599,378 | $41.4M | Reduce -17.9% |
| IBIT iShares Bitcoin Trust ETF | 0.10% | 768,272 | $40.8M | Add +2064.3% |
| BSV Vanguard Short-Term Bond ETF | 0.10% | 522,022 | $40.3M | Add +5.8% |
| QQQ Invesco QQQ Trust Series 1 | 0.09% | 71,459 | $36.5M | Add +53.7% |
| DFAI Dimensional International Co. | 0.09% | 1,226,803 | $35.8M | Add +14.9% |
| DFCF Dimensional Core Fixed Inc. | 0.08% | 846,193 | $34.9M | Add +11.6% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.08% | 145,300 | $34.9M | Reduce -2.6% |
| DFIC Dimensional International Co. | 0.08% | 1,307,929 | $33.8M | Add +10.4% |
| FALN iShares Fallen Angels ETF | 0.08% | 1,191,143 | $31.8M | Add +22.1% |
| SUSC iShares ESG Aware Usd Corpor | 0.07% | 1,349,465 | $30.7M | Add +17.1% |
| SPEM State Street SP PTF Em ETF | 0.07% | 734,875 | $28.2M | Add +25.5% |
| SHM SS SPDR N Ice St Muni ETF | 0.07% | 577,819 | $27.4M | Reduce -36.0% |
| EEMX State Street SPDR MSCI Emerg | 0.06% | 795,659 | $25.7M | Add +0.3% |
| VIG Vanguard Dividend Apprec ETF | 0.06% | 124,476 | $24.4M | Add +20.2% |
| GSJY Goldman Activebeta JP Eq ETF | 0.06% | 642,521 | $24.2M | Add +144.0% |
| JMSI JPM Sus Municipal Income filed as J P MORGAN EXCHANGE TRADED F | 0.05% | 460,029 | $23.0M | Add +60.0% |
| SUSA iShares ESG Optimized MSCI U | 0.05% | 185,376 | $22.5M | Reduce -2.5% |
| GCOR Goldman Sachs Access US Agg | 0.05% | 558,225 | $22.5M | Reduce -3.0% |
| DFEM Dimensional Emrg MRKT Core | 0.05% | 823,919 | $21.6M | Add +8.6% |
| IGEB iShares Investment Grade SYS | 0.05% | 481,661 | $21.4M | Add +22.8% |
| VGLT Vanguard Long-Term Treasury | 0.05% | 385,744 | $21.4M | Add +19.1% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.05% | 76,779 | $19.5M | Add +0.0% |
| GEMD Goldman Access Em Usd Bond | 0.05% | 485,705 | $19.4M | Add +11.0% |
| SHY iShares 1-3 Year Treasury Bo | 0.05% | 236,154 | $19.4M | Add +11.6% |
| SHYG iShares 0-5 YR HY Corp. Bond | 0.04% | 400,515 | $17.1M | Add +16.8% |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | 0.04% | 154,954 | $16.6M | Add +19.5% |
| DCOR Dimensional US Core Eq 1 ETF | 0.04% | 256,060 | $16.4M | Add +1.5% |
| BIV Vanguard Intermediate-Term B | 0.04% | 219,701 | $16.4M | Add +9.8% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.04% | 62,028 | $16.4M | Add +61.8% |
| AVUV Avantis US Small Cap Value | 0.04% | 154,444 | $14.9M | Add +2.0% |
| VUSB Vanguard Ultra Short Bond Et | 0.04% | 299,138 | $14.8M | Add +2.4% |
| DFAT Dimensional US Target Value | 0.03% | 262,780 | $14.6M | Add +5.5% |
| GHYB Goldman Sachs Access HY Corp. | 0.03% | 319,752 | $14.2M | Reduce -30.9% |
| DFLV Dim US Large Cap Value ETF | 0.03% | 437,930 | $13.2M | Add +20.6% |
| BLV Vanguard Long-Term Bond ETF | 0.03% | 189,412 | $13.0M | Add +10.5% |
| USDX Sgi Enhanced Core ETF | 0.03% | 503,117 | $12.9M | Add +47.0% |
| EMHY iShares J.P. Morgan Em High | 0.03% | 335,548 | $12.7M | Add +74.0% |
| ETHA iShares Ethereum Trust ETF | 0.03% | 502,686 | $12.7M | New |
| VMBS Vanguard Mortgage-Backed Sec | 0.03% | 272,759 | $12.4M | Add +5.1% |
| SCHH Schwab US REIT ETF | 0.03% | 582,627 | $12.3M | Add +6.4% |
| CMF iShares California Muni Bond | 0.03% | 211,049 | $12.1M | Add +8.4% |
| JUST Goldman Sachs Just US LRG | 0.03% | 142,776 | $11.9M | New |
| HYMB SS SPDR N Ice HY Muni ETF | 0.03% | 460,793 | $11.8M | Add +4.4% |
Portfolio Sells Q3 2024 → Q4 2024
| IEFA iShares Core MSCI Eafe ETF | Reduce -0.1% | 1.90% | −0.21 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -5.9% | 2.20% | −0.21 |
| IEMG iShares Core MSCI Emerging | Reduce -7.5% | 1.00% | −0.19 |
| SCHF Schwab Intl Equity ETF | Reduce -1.8% | 1.08% | −0.14 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Reduce -3.7% | 1.74% | −0.13 |
| GSIE Goldman Sachs Activebeta Int | Reduce -15.5% | 0.41% | −0.12 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -4.1% | 1.68% | −0.10 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -2.5% | 18.63% | −0.06 |
| VTIP Vanguard Short-Term Tips | Reduce -10.4% | 0.29% | −0.04 |
| SHM SS SPDR N Ice St Muni ETF | Reduce -36.0% | 0.07% | −0.04 |
| SPYV SS SPDR P S&P 500 Value ETF | Reduce -6.0% | 0.33% | −0.03 |
| IWS iShares Russell Mid-Cap Valu | Reduce -3.2% | 0.55% | −0.03 |
| TFLO iShares Treasury Floating Ra | Reduce -52.0% | 0.03% | −0.03 |
| SHV iShares 0-1 Year Treasury Bo | Reduce -6.8% | 0.34% | −0.03 |
| GSSC Goldman Sachs Activebeta US | Reduce -17.9% | 0.10% | −0.02 |
| IWN iShares Russell 2000 Value E | Reduce -4.7% | 0.32% | −0.02 |
| VWOB Vanguard Emerg MKTS Gov BND | Reduce -2.3% | 0.28% | −0.02 |
| SCHV Schwab US Large-Cap Value | Reduce -3.4% | 0.29% | −0.02 |
| ITOT iShares Core S&P Total U.S. | Reduce -2.7% | 3.62% | −0.02 |
| GHYB Goldman Sachs Access HY Corp. | Reduce -30.9% | 0.03% | −0.02 |
| IVE iShares S&P 500 Value ETF | Reduce -2.7% | 0.19% | −0.01 |
| FLOT iShares Floating Rate Bond E | Reduce -16.1% | 0.03% | −0.01 |
| IJR iShares Core S&P Small-Cap E | Reduce -22.5% | 0.02% | −0.01 |
| JNK SS SPDR BB High Yield Bond | Reduce -40.1% | 0.01% | −0.01 |
| BNDW Vanguard Total World Bond Et | Reduce -45.6% | 0.01% | −0.00 |
| GCOR Goldman Sachs Access US Agg | Reduce -3.0% | 0.05% | −0.00 |
| DFUS Dimensional US Eq MKT ETF | Reduce -22.6% | 0.02% | −0.00 |
| VNQI Vanguard GLBL Ex-US Real Est | Reduce -2.1% | 0.02% | −0.00 |
| VEU Vanguard Ftse All-World Ex-U | Reduce -21.1% | 0.01% | −0.00 |
| VNQ Vanguard Real Estate ETF | Reduce -13.1% | 0.01% | −0.00 |
| DSI iShares ESG MSCI KLD 400 ETF | Reduce -3.4% | 0.11% | −0.00 |
| BINC iShares Flex I A ETF-Usd Inc. | Reduce -62.5% | 0.00% | −0.00 |
| PULS Pgim Ultra Short Bond ETF | Reduce -32.5% | 0.00% | −0.00 |
| IGIB iShares 5-10Y Inv Grade Corp. | Reduce -13.6% | 0.01% | −0.00 |
| CGXU Cap Group Intl Focus | Sold out | 0.00% | −0.00 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Reduce -7.7% | 0.02% | −0.00 |
| VB Vanguard Most SM-Cap ETF-Usd | Reduce -2.6% | 0.08% | −0.00 |
| ICSH iShares Ultra Short Duration | Reduce -40.8% | 0.00% | −0.00 |
| PCY Invesco Emerging Markets Sov | Reduce -20.8% | 0.00% | −0.00 |
| GLD SPDR Gold Shares | Reduce -27.3% | 0.00% | −0.00 |
| XMMO Invesco S&P Midcap Momentum | Reduce -56.4% | 0.00% | −0.00 |
| IVV iShares Core S&P 500 ETF | Reduce -2.3% | 0.22% | −0.00 |
| ARKW ARK Next Generation Technolo | Reduce -39.6% | 0.00% | −0.00 |
| QVAL Alpha Arch US QNT Value ETF | Sold out | 0.00% | −0.00 |
| GMOM Cambria Global Momentum ETF | Reduce -0.2% | 0.03% | −0.00 |
| QARP DBX ETF Trust - Xtrackers Ru | Sold out | 0.00% | −0.00 |
| SUSA iShares ESG Optimized MSCI U | Reduce -2.5% | 0.05% | −0.00 |
| FNDF Schwab Fndmn Intl LRG Co. ETF | Reduce -10.1% | 0.00% | −0.00 |
| UITB Victoryshares Core Intermedi | Reduce -52.9% | 0.00% | −0.00 |
| PJUN Innovator U.S. Equity Power | Sold out | 0.00% | −0.00 |
Portfolio Buys Q3 2024 → Q4 2024
| SPYM Ste STR SPDR PT S&P 500 ETF | Add +7.8% | 8.70% | +0.79 |
| MUB iShares National Muni Bond E | Add +8.1% | 4.64% | +0.26 |
| SPDW Ste STR SPDR PT DW Eu ETF | Add +106.6% | 0.50% | +0.24 |
| IBIT iShares Bitcoin Trust ETF | Add +2064.3% | 0.10% | +0.09 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Add +3.7% | 2.34% | +0.08 |
| GSEU Goldman Activebta Eur Eq ETF | Add +95.6% | 0.16% | +0.07 |
| AGG iShares Core U.S. Aggregate | Add +6.0% | 4.60% | +0.06 |
| GSLC Goldman Activebeta US LC ETF | Add +2.4% | 1.47% | +0.06 |
| JPST JPMorgan Ultra-Short Income | Add +8.6% | 0.75% | +0.05 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +18.3% | 0.25% | +0.05 |
| SPSM SS SPDR P S&P 600 Small Cap | Add +4.5% | 1.73% | +0.05 |
| GBIL Goldman Sachs Access Treasur | Add +3.9% | 1.34% | +0.04 |
| STIP iShares 0-5 Year Tips Bond E | Add +4.7% | 0.97% | +0.04 |
| QQQ Invesco QQQ Trust Series 1 | Add +53.7% | 0.09% | +0.03 |
| GSJY Goldman Activebeta JP Eq ETF | Add +144.0% | 0.06% | +0.03 |
| ETHA iShares Ethereum Trust ETF | New | 0.03% | +0.03 |
| JUST Goldman Sachs Just US LRG | New | 0.03% | +0.03 |
| KOMP SS SPDR S&P Kensho Ne Comp | Add +9.2% | 0.22% | +0.02 |
| IGLB iShares 10+ Year Inv GR Corp. | New | 0.02% | +0.02 |
| GIGB Goldman Sachs Inv GRD Corp. | Add +25.8% | 0.13% | +0.02 |
| JMSI JPM Sus Municipal Income | Add +60.0% | 0.05% | +0.02 |
| IEUR iShares Core MSCI Europe ETF | Add +263.6% | 0.03% | +0.02 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Add +61.8% | 0.04% | +0.01 |
| CGSM Cap Group Short Muni Income | New | 0.01% | +0.01 |
| DFAC Dimensional US Core Equity 2 | Add +7.4% | 0.19% | +0.01 |
| CGMS Cap Group US Multi-Sect Bond | Add +275.0% | 0.02% | +0.01 |
| EMHY iShares J.P. Morgan Em High | Add +74.0% | 0.03% | +0.01 |
| VOTE TCW Transform 500 ETF | Add +3.7% | 0.21% | +0.01 |
| FALN iShares Fallen Angels ETF | Add +22.1% | 0.08% | +0.01 |
| ESML iShares ESG Aware MSCI USA S | Add +7.5% | 0.16% | +0.01 |
| SCHX Schwab US Large-Cap ETF | Add +1.0% | 0.33% | +0.01 |
| VOO Vanguard S&P 500 ETF | Add +1.6% | 0.31% | +0.01 |
| TLT iShares 20+ Year Treasury BD | Add +916.5% | 0.01% | +0.01 |
| SPEM State Street SP PTF Em ETF | Add +25.5% | 0.07% | +0.01 |
| USDX Sgi Enhanced Core ETF | Add +47.0% | 0.03% | +0.01 |
| VIG Vanguard Dividend Apprec ETF | Add +20.2% | 0.06% | +0.01 |
| SCHA Schwab US Small-Cap ETF | Add +49.4% | 0.03% | +0.01 |
| DFAU Dimensional US Core Equity M | Add +5.8% | 0.12% | +0.01 |
| SUSC iShares ESG Aware Usd Corpor | Add +17.1% | 0.07% | +0.01 |
| IGEB iShares Investment Grade SYS | Add +22.8% | 0.05% | +0.01 |
| CGMU Cap Group Municipal Income | New | 0.01% | +0.01 |
| CGDV Cap Group Dividend Value | Add +163.1% | 0.01% | +0.01 |
| VNLA Janus Henderson Short Durati | Add +247.7% | 0.01% | +0.01 |
| USHY iShares Broad Usd High Yield | Add +29.7% | 0.03% | +0.01 |
| VGIT Vanguard Intermediate-Term T | Add +352.1% | 0.01% | +0.01 |
| TFI SS SPDR N Ice Muni Bond ETF | Add +3.5% | 0.77% | +0.01 |
| DFCF Dimensional Core Fixed Inc. | Add +11.6% | 0.08% | +0.01 |
| SHYG iShares 0-5 YR HY Corp. Bond | Add +16.8% | 0.04% | +0.01 |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | Add +207.2% | 0.01% | +0.01 |
| BITB Bitwise Bitcoin ETF | Add +20.4% | 0.01% | +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 |