Betterment LLC
In its 13F for Q1 2026 (holdings as of March 31, 2026, filed May 14, 2026), Betterment LLC reported 615 stock positions worth $52.8 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, 14.9%) and Ste STR SPDR PT S&P 500 ETF (SPYM, 13.3%). Compared with Q4 2025, it opened 83 new positions, sold out of 19, added to 354 and reduced 176. The biggest buy was JPMorgan Core Plus Bond ETF (JCPB, shares +5692%) and the biggest sale VG Morningstar TS MKT ETF-US (VTI, shares −3%).
- Most Recent 13F
- Q2 2026
- Location
- NEW YORK, NY
- CIK
- 0001633901
- Portfolio Value
- $52.8B (Q1 2026)
- SEC Filing
- 0001633901-26-000003 ↗ filed May 14, 2026
Holdings Value
Holdings 615 stocks · $52.8B
| VEA Vanguard Ftse Developed ETF | 16.74% | 137,930,799 | $8.8B | Reduce -0.5% |
| VTI VG Morningstar TS MKT ETF-US | 14.90% | 24,526,707 | $7.9B | Reduce -2.6% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 13.28% | 91,626,856 | $7.0B | Add +9.6% |
| VWO Vanguard Ftse Emerging Marke | 5.46% | 53,371,727 | $2.9B | Reduce -0.7% |
| AGG iShares Core U.S. Aggregate | 4.50% | 23,905,376 | $2.4B | Reduce -8.9% |
| MUB iShares National Muni Bond E | 3.94% | 19,583,732 | $2.1B | Add +3.1% |
| ITOT iShares Core S&P Total U.S. | 2.86% | 10,617,929 | $1.5B | Reduce -0.6% |
| SPMD SS SPDR P S&P 400 Midcap ETF | 2.27% | 20,199,297 | $1.2B | Reduce -4.5% |
| VTV Vanguard Mrngstr Val ETF-Aui | 1.81% | 4,864,568 | $954.4M | Reduce -2.2% |
| BNDX Vanguard Total Intl Bond ETF | 1.77% | 19,400,574 | $932.2M | Reduce -0.8% |
| SPSM SS SPDR P S&P 600 Small Cap | 1.74% | 19,018,965 | $919.0M | Add +1.4% |
| IEFA iShares Core MSCI Eafe ETF | 1.59% | 9,262,506 | $838.5M | Reduce -3.6% |
| SCHX Schwab US Large-Cap ETF | 1.39% | 28,599,516 | $733.3M | Add +57.6% |
| GSLC Goldman Activebeta US LC ETF | 1.37% | 5,769,076 | $721.9M | Reduce -3.9% |
| JPST JPMorgan Ultra-Short Income | 1.31% | 13,652,039 | $690.9M | Add +3.6% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 1.31% | 3,741,881 | $689.6M | Reduce -4.7% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 1.20% | 2,917,128 | $633.7M | Reduce -3.4% |
| GBIL Goldman Sachs Access Treasur | 1.16% | 6,099,166 | $611.1M | Add +4.0% |
| ESGU iShares ESG Aware MSCI USA | 1.08% | 4,041,916 | $571.6M | Add +3.0% |
| SCHF Schwab Intl Equity ETF | 0.99% | 21,209,364 | $524.9M | Reduce -3.0% |
| TFI SS SPDR N Ice Muni Bond ETF | 0.99% | 11,563,595 | $524.3M | Reduce -4.5% |
| EMB iShares JP Morgan Usd Emergi | 0.96% | 5,407,726 | $507.9M | Reduce -9.2% |
| STIP iShares 0-5 Year Tips Bond E | 0.88% | 4,487,580 | $464.1M | Add +2.6% |
| SCHB Schwab US Broad Market ETF | 0.75% | 15,717,854 | $394.5M | Reduce -2.7% |
| IEMG iShares Core MSCI Emerging | 0.75% | 5,653,446 | $394.3M | Reduce -4.4% |
| SPDW Ste STR SPDR PT DW Eu ETF | 0.71% | 8,266,335 | $377.4M | Add +11.5% |
| ESGD iShares Trust iShares ESG Aw | 0.71% | 3,918,891 | $374.7M | Reduce -0.7% |
| VWOB Vanguard Emerg MKTS Gov BND | 0.71% | 5,700,214 | $374.4M | Add +22.3% |
| VTEB Vanguard Tax-Exempt Bond ETF | 0.65% | 6,930,029 | $345.7M | Add +3.3% |
| JCPB JPMorgan Core Plus Bond ETF | 0.56% | 6,234,652 | $293.5M | Add +5692.1% |
| CRBN Ish Low Car Opt Ms Ac ETF-US | 0.55% | 1,301,436 | $290.0M | Reduce -0.2% |
| VOO Vanguard S&P 500 ETF | 0.43% | 382,432 | $228.5M | Add +22.4% |
| IWS iShares Russell Mid-Cap Valu | 0.41% | 1,478,807 | $215.5M | Reduce -4.6% |
| ESGE iShares Inc. iShares ESG Awar | 0.27% | 3,182,530 | $144.7M | Reduce -2.2% |
| GSIE Goldman Sachs Activebeta Int | 0.27% | 3,290,100 | $141.9M | Add +6.3% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.27% | 321,772 | $140.5M | Add +2.2% |
| DFAC Dimensional US Core Equity 2 | 0.25% | 3,427,113 | $133.2M | Add +4.8% |
| IWN iShares Russell 2000 Value E | 0.24% | 672,519 | $127.5M | Reduce -3.4% |
| SPYV SS SPDR P S&P 500 Value ETF | 0.24% | 2,247,354 | $127.2M | Reduce -3.6% |
| VOTE TCW Transform 500 ETF | 0.23% | 1,615,436 | $123.3M | Add +2.7% |
| SCHV Schwab US Large-Cap Value | 0.23% | 4,000,948 | $122.0M | Reduce -2.8% |
| BND Vanguard Total Bond Market | 0.22% | 1,601,843 | $118.0M | Reduce -6.8% |
| IAGG iShares Intl Aggregate Bond | 0.21% | 2,223,553 | $111.3M | Add +22.2% |
| SPYX SS SPDR S&P 500 Foss FL ETF | 0.20% | 1,971,282 | $104.5M | Add +1.6% |
| SPEM State Street SP PTF Em ETF | 0.19% | 2,148,733 | $100.8M | Add +21.6% |
| IVV iShares Core S&P 500 ETF | 0.18% | 146,784 | $95.9M | Add +3.5% |
| GEM Goldman Sachs Activebeta Em | 0.17% | 2,071,837 | $89.5M | Reduce -4.8% |
| KOMP SS SPDR S&P Kensho Ne Comp | 0.16% | 1,485,819 | $86.9M | Reduce -0.7% |
| JMSI JPM Sus Municipal Income filed as J P MORGAN EXCHANGE TRADED F | 0.16% | 1,697,584 | $84.5M | Add +6.4% |
| ESML iShares ESG Aware MSCI USA S | 0.16% | 1,789,266 | $84.1M | Add +0.3% |
| GSEU Goldman Activebta Eur Eq ETF | 0.16% | 1,832,782 | $82.8M | Reduce -7.0% |
| EAGG iShares ESG Aware US Aggrega | 0.15% | 1,659,986 | $78.9M | Add +0.7% |
| IVE iShares S&P 500 Value ETF | 0.14% | 357,479 | $75.5M | Reduce -3.3% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.14% | 258,040 | $74.1M | Add +0.2% |
| VTIP Vanguard Short-Term Tips | 0.14% | 1,465,040 | $73.2M | Reduce -5.8% |
| SHV iShares 0-1 Year Treasury Bo | 0.14% | 651,818 | $72.0M | Reduce -7.7% |
| EFAX State Street SPDR MSCI Eafe | 0.14% | 1,431,679 | $71.3M | Reduce -0.3% |
| USHY iShares Broad Usd High Yield | 0.13% | 1,906,112 | $70.2M | Add +6.2% |
| IGEB iShares Investment Grade SYS | 0.13% | 1,529,358 | $68.9M | Add +6.5% |
| ESGV Vanguard ESG US Stock ETF | 0.13% | 605,053 | $67.9M | Add +13.4% |
| BGRN iShares Usd Green Bond ETF | 0.12% | 1,381,155 | $65.6M | Add +2.6% |
| FWD AB Disruptors ETF filed as AB ACTIVE ETFS INC | 0.12% | 576,726 | $62.6M | Add +6.7% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.11% | 230,828 | $60.5M | Add +0.7% |
| GSSC Goldman Sachs Activebeta US | 0.11% | 763,146 | $56.9M | Reduce -3.7% |
| DFIC Dimensional International Co. | 0.11% | 1,583,801 | $56.3M | Add +1.3% |
| GSJY Goldman Activebeta JP Eq ETF | 0.10% | 1,126,947 | $54.8M | Add +5.3% |
| SCHA Schwab US Small-Cap ETF | 0.10% | 1,839,896 | $53.5M | Add +8.4% |
| DFCF Dimensional Core Fixed Inc. | 0.10% | 1,256,555 | $53.1M | Add +6.5% |
| BSV Vanguard Short-Term Bond ETF | 0.09% | 628,308 | $49.3M | Add +2.3% |
| GMUB GS Municipal Income ETF | 0.09% | 937,751 | $47.8M | Add +12.7% |
| QQQM Invesco Nasdaq 100 ETF | 0.09% | 201,037 | $47.8M | Add +15.5% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.09% | 157,973 | $47.2M | Add +46.4% |
| IBIT iShares Bitcoin Trust ETF | 0.08% | 1,140,586 | $43.8M | Reduce -4.5% |
| GCOR Goldman Sachs Access US Agg | 0.08% | 1,055,908 | $43.6M | Add +3.1% |
| DSI iShares ESG MSCI KLD 400 ETF | 0.08% | 349,749 | $42.4M | Reduce -5.1% |
| GTIP Goldman Sachs Access Inflati | 0.08% | 856,115 | $42.3M | Add +13.1% |
| QQQ Invesco QQQ Trust Series 1 | 0.07% | 66,639 | $38.5M | Reduce -3.6% |
| SUSA iShares ESG Optimized MSCI U | 0.07% | 279,709 | $37.0M | Reduce -2.8% |
| SHYG iShares 0-5 YR HY Corp. Bond | 0.07% | 873,283 | $36.9M | Add +5.5% |
| SUSC iShares ESG Aware Usd Corpor | 0.07% | 1,593,341 | $36.9M | Reduce -0.6% |
| VIG Vanguard Dividend Apprec ETF | 0.06% | 159,055 | $34.2M | Reduce -0.5% |
| VXUS Vanguard Total Intl Stock | 0.06% | 435,435 | $33.6M | Add +13.8% |
| DFEM Dimensional Emrg MRKT Core | 0.06% | 925,468 | $32.0M | Add +4.0% |
| BINC iShares Flex I A ETF-Usd Inc. | 0.06% | 603,679 | $31.3M | Add +7.5% |
| DFAI Dimensional International Co. | 0.06% | 757,158 | $29.5M | Reduce -6.7% |
| DFLV Dim US Large Cap Value ETF | 0.05% | 811,170 | $29.0M | Add +9.5% |
| GEMD Goldman Access Em Usd Bond | 0.05% | 632,727 | $26.2M | Add +5.2% |
| EEMX State Street SPDR MSCI Emerg | 0.05% | 585,684 | $25.9M | Reduce -2.9% |
| BNDW Vanguard Total World Bond Et | 0.05% | 371,918 | $25.4M | Add +2.9% |
| GIGB Goldman Sachs Inv GRD Corp. | 0.05% | 552,525 | $25.3M | Reduce -13.5% |
| DFAU Dimensional US Core Equity M | 0.05% | 558,284 | $25.2M | Reduce -7.7% |
| DCOR Dimensional US Core Eq 1 ETF | 0.05% | 343,122 | $24.7M | Add +0.2% |
| JUST Goldman Sachs Just US LRG | 0.05% | 266,343 | $24.6M | Add +5.6% |
| BIV Vanguard Intermediate-Term B | 0.05% | 309,950 | $23.9M | Add +1.9% |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | 0.04% | 90,629 | $23.3M | Add +4.8% |
| DFAT Dimensional US Target Value | 0.04% | 366,700 | $22.9M | Add +2.6% |
| COMB Graniteshares Bcom Broad STR | 0.04% | 787,955 | $20.7M | Add +19.3% |
| TFLO iShares Treasury Floating Ra | 0.04% | 406,901 | $20.6M | Add +4.0% |
| SGOV iShares 0-3 Month Treasury B | 0.04% | 204,114 | $20.5M | Add +33.3% |
| SUB iShares Short-Term National | 0.04% | 186,835 | $19.9M | Reduce -6.3% |
Portfolio Sells Q4 2025 → Q1 2026
| VTI VG Morningstar TS MKT ETF-US | Reduce -2.6% | 14.90% | −1.17 |
| AGG iShares Core U.S. Aggregate | Reduce -8.9% | 4.50% | −0.50 |
| ITOT iShares Core S&P Total U.S. | Reduce -0.6% | 2.86% | −0.16 |
| GSLC Goldman Activebeta US LC ETF | Reduce -3.9% | 1.37% | −0.15 |
| EMB iShares JP Morgan Usd Emergi | Reduce -9.2% | 0.96% | −0.13 |
| SPMD SS SPDR P S&P 400 Midcap ETF | Reduce -4.5% | 2.27% | −0.07 |
| TFI SS SPDR N Ice Muni Bond ETF | Reduce -4.5% | 0.99% | −0.06 |
| SCHB Schwab US Broad Market ETF | Reduce -2.7% | 0.75% | −0.06 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -3.6% | 1.59% | −0.05 |
| VWO Vanguard Ftse Emerging Marke | Reduce -0.7% | 5.46% | −0.04 |
| BNDX Vanguard Total Intl Bond ETF | Reduce -0.8% | 1.77% | −0.03 |
| IBIT iShares Bitcoin Trust ETF | Reduce -4.5% | 0.08% | −0.03 |
| CRBN Ish Low Car Opt Ms Ac ETF-US | Reduce -0.2% | 0.55% | −0.02 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Reduce -4.7% | 1.31% | −0.02 |
| BND Vanguard Total Bond Market | Reduce -6.8% | 0.22% | −0.02 |
| ETHA iShares Ethereum Trust ETF | Reduce -27.1% | 0.02% | −0.02 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -3.4% | 1.20% | −0.02 |
| GSEU Goldman Activebta Eur Eq ETF | Reduce -7.0% | 0.16% | −0.01 |
| SHV iShares 0-1 Year Treasury Bo | Reduce -7.7% | 0.14% | −0.01 |
| SPYV SS SPDR P S&P 500 Value ETF | Reduce -3.6% | 0.24% | −0.01 |
| IEMG iShares Core MSCI Emerging | Reduce -4.4% | 0.75% | −0.01 |
| DSI iShares ESG MSCI KLD 400 ETF | Reduce -5.1% | 0.08% | −0.01 |
| CGMS Cap Group US Multi-Sect Bond | Reduce -50.5% | 0.01% | −0.01 |
| IWS iShares Russell Mid-Cap Valu | Reduce -4.6% | 0.41% | −0.01 |
| GIGB Goldman Sachs Inv GRD Corp. | Reduce -13.5% | 0.05% | −0.01 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -3.6% | 0.07% | −0.01 |
| VTIP Vanguard Short-Term Tips | Reduce -5.8% | 0.14% | −0.01 |
| SCHF Schwab Intl Equity ETF | Reduce -3.0% | 0.99% | −0.01 |
| GSSC Goldman Sachs Activebeta US | Reduce -3.7% | 0.11% | −0.01 |
| IVE iShares S&P 500 Value ETF | Reduce -3.3% | 0.14% | −0.01 |
| SUSA iShares ESG Optimized MSCI U | Reduce -2.8% | 0.07% | −0.01 |
| DFAU Dimensional US Core Equity M | Reduce -7.7% | 0.05% | −0.01 |
| KOMP SS SPDR S&P Kensho Ne Comp | Reduce -0.7% | 0.16% | −0.01 |
| ESGD iShares Trust iShares ESG Aw | Reduce -0.7% | 0.71% | −0.01 |
| VNLA Janus Henderson Short Durati | Reduce -54.3% | 0.00% | −0.00 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Reduce -9.8% | 0.03% | −0.00 |
| GRNB Vaneck Green Bond ETF | Reduce -64.8% | 0.00% | −0.00 |
| DFAI Dimensional International Co. | Reduce -6.7% | 0.06% | −0.00 |
| EFAX State Street SPDR MSCI Eafe | Reduce -0.3% | 0.14% | −0.00 |
| GEM Goldman Sachs Activebeta Em | Reduce -4.8% | 0.17% | −0.00 |
| SUB iShares Short-Term National | Reduce -6.3% | 0.04% | −0.00 |
| CGDV Cap Group Dividend Value | Reduce -22.4% | 0.01% | −0.00 |
| IWY iShares Russell Top 200 Grow | Reduce -9.2% | 0.01% | −0.00 |
| IEUR iShares Core MSCI Europe ETF | Reduce -6.4% | 0.03% | −0.00 |
| VIG Vanguard Dividend Apprec ETF | Reduce -0.5% | 0.06% | −0.00 |
| MEAR Ishrs Short Mat Muni Act ETF | Reduce -15.1% | 0.01% | −0.00 |
| EUSB Ishr ESG Advn Universal BD-$ | Reduce -49.5% | 0.00% | −0.00 |
| SHM SS SPDR N Ice St Muni ETF | Reduce -5.8% | 0.03% | −0.00 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -2.2% | 1.81% | −0.00 |
| HYLB Xtrackers Usd High Yield Cor | Reduce -6.2% | 0.02% | −0.00 |
Portfolio Buys Q4 2025 → Q1 2026
| JCPB JPMorgan Core Plus Bond ETF | Add +5692.1% | 0.56% | +0.55 |
| SPYM Ste STR SPDR PT S&P 500 ETF | Add +9.6% | 13.28% | +0.51 |
| SCHX Schwab US Large-Cap ETF | Add +57.6% | 1.39% | +0.46 |
| VWOB Vanguard Emerg MKTS Gov BND | Add +22.3% | 0.71% | +0.11 |
| SPDW Ste STR SPDR PT DW Eu ETF | Add +11.5% | 0.71% | +0.09 |
| SPSM SS SPDR P S&P 600 Small Cap | Add +1.4% | 1.74% | +0.07 |
| MUB iShares National Muni Bond E | Add +3.1% | 3.94% | +0.06 |
| VOO Vanguard S&P 500 ETF | Add +22.4% | 0.43% | +0.06 |
| GBIL Goldman Sachs Access Treasur | Add +4.0% | 1.16% | +0.04 |
| JPST JPMorgan Ultra-Short Income | Add +3.6% | 1.31% | +0.04 |
| IAGG iShares Intl Aggregate Bond | Add +22.2% | 0.21% | +0.04 |
| SPEM State Street SP PTF Em ETF | Add +21.6% | 0.19% | +0.03 |
| QUAL iShares MSCI USA Quality Fac | Add +608.2% | 0.04% | +0.03 |
| STIP iShares 0-5 Year Tips Bond E | Add +2.6% | 0.88% | +0.03 |
| VPLS Vanguard Core-Plus Bond ETF | New | 0.03% | +0.03 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Add +46.4% | 0.09% | +0.02 |
| CGBL Cap Group Core Balanced | New | 0.02% | +0.02 |
| JQUA JPMorgan US Quality Factor | Add +1442.7% | 0.02% | +0.02 |
| GSIE Goldman Sachs Activebeta Int | Add +6.3% | 0.27% | +0.02 |
| BTC Grayscale Bitcoin Mini ETF | New | 0.02% | +0.02 |
| COMB Graniteshares Bcom Broad STR | Add +19.3% | 0.04% | +0.01 |
| VTEB Vanguard Tax-Exempt Bond ETF | Add +3.3% | 0.65% | +0.01 |
| FWD AB Disruptors ETF | Add +6.7% | 0.12% | +0.01 |
| NZAC State Street SPDR MSCI Acwi | Add +1687.5% | 0.01% | +0.01 |
| SGOV iShares 0-3 Month Treasury B | Add +33.3% | 0.04% | +0.01 |
| GMUB GS Municipal Income ETF | Add +12.7% | 0.09% | +0.01 |
| SCHA Schwab US Small-Cap ETF | Add +8.4% | 0.10% | +0.01 |
| GTIP Goldman Sachs Access Inflati | Add +13.1% | 0.08% | +0.01 |
| GSJY Goldman Activebeta JP Eq ETF | Add +5.3% | 0.10% | +0.01 |
| VXUS Vanguard Total Intl Stock | Add +13.8% | 0.06% | +0.01 |
| SCHD Schwab US DVD Equity ETF | Add +76.9% | 0.02% | +0.01 |
| JMSI JPM Sus Municipal Income | Add +6.4% | 0.16% | +0.01 |
| DFLV Dim US Large Cap Value ETF | Add +9.5% | 0.05% | +0.01 |
| QQQM Invesco Nasdaq 100 ETF | Add +15.5% | 0.09% | +0.01 |
| SPGM State Street SPDR Portfolio | Add +456.9% | 0.01% | +0.01 |
| SCHG Schwab US Large-Cap Growth | Add +56.7% | 0.02% | +0.01 |
| ESGV Vanguard ESG US Stock ETF | Add +13.4% | 0.13% | +0.01 |
| IGEB iShares Investment Grade SYS | Add +6.5% | 0.13% | +0.01 |
| DFAC Dimensional US Core Equity 2 | Add +4.8% | 0.25% | +0.01 |
| USHY iShares Broad Usd High Yield | Add +6.2% | 0.13% | +0.01 |
| DFCF Dimensional Core Fixed Inc. | Add +6.5% | 0.10% | +0.00 |
| DFEM Dimensional Emrg MRKT Core | Add +4.0% | 0.06% | +0.00 |
| DFIC Dimensional International Co. | Add +1.3% | 0.11% | +0.00 |
| EWJ iShares MSCI Japan ETF | Add +29.4% | 0.01% | +0.00 |
| GUMI Ultra Short Municipal Income | Add +81.5% | 0.01% | +0.00 |
| AVUV Avantis US Small Cap Value | Add +2.1% | 0.04% | +0.00 |
| VGSH Vanguard Short-Term Treasury | Add +37.0% | 0.01% | +0.00 |
| XT Ishar Fture Exp Tech ETF-Usd | Add +28.0% | 0.02% | +0.00 |
| NVDA Nvidia Corp. | Add +57.5% | 0.01% | +0.00 |
| CGIC Cap Group Intl Core Eq | New | 0.00% | +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 |