Betterment LLC

All Holdings — 2025 Q4

Portfolio Concentration Analytics: 7.6
Risk-based ENB:
Total Positions
563
Quarter
2025 Q4
Top Holding
VEA (16.5%)
Top 10 Concentration
68.7%
Turnover Rate
23.4%
Sector HHI
0.18
Items per page:
1-25 of 563
Stock History Sector / Type Port % Prev % Rank / Prev Conviction Change % Change Influence Shares Mkt Value Avg Cost Price Held 1st Owned Source Source Date Date Reported
VEA
VANGUARD TAX MA...
ETF 16.49% 16.28% #1 1
Prev: #2
8.6 1,140,627 0.8%
P
S
138,588,366 $8,657,615,000 2014 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
VTI
VANGUARD INDEX ...
ETF 16.08% 16.72% #2 1
Prev: #1
6.4 -610,825 -2.4%
P
S
25,171,575 $8,439,274,000 2014 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
SPLG
SPDR State Stre...
ETF 12.77% 12.16% #3
Prev: #3
7.1 5,039,605 6.4%
P
S
83,585,842 $6,705,256,000 2019 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
VWO
VANGUARD INTL E...
ETF 5.50% 5.62% #4
Prev: #4
4.2 1,257,504 2.4%
P
S
53,732,807 $2,888,676,000 2014 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
AGG
ISHARES TR
ETF 5.00% 4.87% #5
Prev: #5
4.0 1,687,004 6.9%
P
S
26,255,484 $2,622,398,000 2014 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
MUB
ISHARES TR
ETF 3.88% 3.65% #6
Prev: #6
3.6 1,646,689 9.5%
P
S
18,990,218 $2,034,042,000 2014 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
ITOT
ISHARES TR
ETF 3.03% 3.15% #7
Prev: #7
1.2 -258,550 -2.4%
P
S
10,680,855 $1,588,136,000 2014 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
SPMD
SPDR State Stre...
ETF 2.33% 2.27% #8
Prev: #8
2.9 1,024,884 5.1%
P
S
21,151,161 $1,224,864,000 2024 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
VTV
VANGUARD INDEX ...
ETF 1.81% 1.87% #9
Prev: #9
0.7 -106,045 -2.1%
P
S
4,973,990 $949,982,000 2014 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
BNDX
VANGUARD CHARLO...
Bond/Debt 1.80% 1.79% #10
Prev: #10
2.7 1,197,101 6.5%
P
S
19,558,275 $945,056,000 2014 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
SPSM
SPDR State Stre...
ETF 1.67% 1.66% #11 1
Prev: #12
2.7 614,934 3.4%
P
S
18,757,519 $878,977,000 2023 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
IEFA
ISHARES TR
ETF 1.64% 1.70% #12 1
Prev: #11
0.7 -258,017 -2.6%
P
S
9,608,903 $859,612,000 2014 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
GSLC
Goldman Sachs
ETF 1.51% 1.51% #13
Prev: #13
2.6 157,867 2.7%
P
S
6,005,716 $794,977,000 2016 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
VOE
VANGUARD INDEX ...
ETF 1.33% 1.39% #14
Prev: #14
0.5 -95,700 -2.4%
P
S
3,924,610 $696,108,000 2014 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
JPST
JP Morgan
ETF 1.27% 1.22% #15 2
Prev: #17
2.5 1,002,505 8.2%
P
S
13,181,100 $666,832,000 2020 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
VBR
VANGUARD INDEX ...
ETF 1.22% 1.28% #16 1
Prev: #15
0.5 -80,400 -2.6%
P
S
3,019,666 $639,535,000 2014 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
GBIL
Goldman Sachs
ETF 1.12% 1.12% #17 3
Prev: #20
2.5 222,981 4.0%
P
S
5,862,171 $585,865,000 2017 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
ESGU
iShares
ETF 1.11% 1.12% #18 1
Prev: #19
2.4 34,699 0.9%
P
S
3,924,596 $584,686,000 2020 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
EMB
ISHARES TR
ETF 1.09% 1.26% #19 3
Prev: #16
0.5 -767,603 -11.4%
P
S
5,954,321 $573,282,000 2014 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
TFI
SPDR SERIES TRU...
ETF 1.05% 1.14% #20 2
Prev: #18
0.4 -507,963 -4.0%
P
S
12,106,265 $553,377,000 2016 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
SCHF
SCHWAB STRATEGI...
Bond/Debt 1.00% 1.03% #21
Prev: #21
0.4 -512,447 -2.3%
P
S
21,860,498 $525,526,000 2014 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
SCHX
SCHWAB STRATEGI...
ETF 0.93% 0.94% #22
Prev: #22
2.4 64,308 0.4%
P
S
18,148,928 $488,388,000 2021 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
STIP
iShares
ETF 0.85% 0.85% #23
Prev: #23
2.4 231,247 5.6%
P
S
4,371,869 $447,636,000 2021 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
SCHB
SCHWAB STRATEGI...
ETF 0.81% 0.84% #24
Prev: #24
0.3 -347,851 -2.1%
P
S
16,156,262 $423,779,000 2014 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
IEMG
ISHARES INC
ETF 0.76% 0.79% #25
Prev: #25
0.3 -188,893 -3.1%
P
S
5,912,312 $397,426,000 2014 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
FALN
iShares
ETF 0.00% 0.06%
Sold All 😨
(Was: #80)
0.3 -1,131,975 -100.0%
CLOSED
$— 2021 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
EMHY
iShares
ETF 0.00% 0.01%
Sold All 😨
(Was: #150)
0.3 -147,330 -100.0%
CLOSED
$— 2017 Q3 13F Filing 2025-12-31 2026-02-14 (Est.)
POCT
Innovator Capit...
ETF 0.00% 0.00%
Sold All 😨
(Was: #473)
0.3 -6,459 -100.0%
CLOSED
$— 2022 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
PJAN
INNOVATOR ETFS ...
ETF 0.00% 0.00%
Sold All 😨
(Was: #483)
0.3 -5,537 -100.0%
CLOSED
$— 2023 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
UOCT
Innovator Capit...
ETF 0.00% 0.00%
Sold All 😨
(Was: #484)
0.3 -6,411 -100.0%
CLOSED
$— 2022 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
PJUL
INNOVATOR ETFS ...
ETF 0.00% 0.00%
Sold All 😨
(Was: #486)
0.3 -5,361 -100.0%
CLOSED
$— 2022 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
HYLS
First Trust
ETF 0.00% 0.00%
Sold All 😨
(Was: #501)
0.3 -5,325 -100.0%
CLOSED
$— 2024 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
FAD
First Trust
ETF 0.00% 0.00%
Sold All 😨
(Was: #502)
0.3 -1,391 -100.0%
CLOSED
$— 2025 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
CMCSA
COMCAST CORP NE...
Communication Services 0.00% 0.00%
Sold All 😨
(Was: #510)
0.3 -6,741 -100.0%
CLOSED
$— 2024 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
VLUE
iShares
ETF 0.00% 0.00%
Sold All 😨
(Was: #512)
0.3 -1,691 -100.0%
CLOSED
$— 2022 Q1 13F Filing 2025-12-31 2026-02-14 (Est.)
GPIQ
Goldman Sachs A...
Unknown 0.00% 0.00%
Sold All 😨
(Was: #521)
0.3 -3,825 -100.0%
CLOSED
$— 2024 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
NULG
Nuveen
ETF 0.00% 0.00%
Sold All 😨
(Was: #522)
0.3 -2,014 -100.0%
CLOSED
$— 2025 Q2 13F Filing 2025-12-31 2026-02-14 (Est.)
Showing 1-25 of 563 holdings

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