AI Portfolio Summary
In 2025 Q4, Betterment LLC maintained a portfolio of 563 distinct positions. They heavily accumulated shares in VANGUARD TAX MANAGED, increasing their position by 0.8%. The fund also reduced its exposure to ISHARES TR by 11.4%.
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:
Showing 1-50 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
|
6.5 | 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
|
6.0 | -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
|
7.0 | 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
|
3.2 | 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
|
4.5 | 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
|
1.7 | -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
|
1.2 | -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
|
1.2 | 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
|
1.2 | -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
|
1.1 | 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
|
1.0 | -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
|
1.0 | -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
|
0.9 | 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
|
0.9 | 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
|
0.9 | -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
|
0.9 | -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
|
0.9 | -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
|
0.9 | 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
|
2.3 | 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
|
0.8 | -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
|
0.8 | -188,893 | -3.1% |
P
S
|
5,912,312 | $397,426,000 | 2014 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
ESGD
iShares
|
ETF | 0.72% | 0.71% |
#26
Prev: #26
|
0.8 | 58,297 | 1.5% |
P
S
|
3,947,005 | $375,321,000 | 2020 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VTEB
VANGUARD BD IND...
|
ETF | 0.64% | 0.65% |
#27
Prev: #27
|
0.8 | 134,551 | 2.0% |
P
S
|
6,707,905 | $337,341,000 | 2018 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SPDW
SPDR State Stre...
|
ETF | 0.63% | 0.63% |
#28
Prev: #28
|
0.8 | -83,364 | -1.1% |
P
S
|
7,414,696 | $329,287,000 | 2021 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VWOB
VANGUARD WHITEH...
|
ETF | 0.60% | 0.44% |
#29
2
Prev: #31
|
2.7 | 1,345,061 | 40.6% |
P
S
|
4,659,747 | $314,207,000 | 2014 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
CRBN
iShares
|
ETF | 0.57% | 0.58% |
#30
1
Prev: #29
|
0.7 | 11,492 | 0.9% |
P
S
|
1,303,736 | $300,550,000 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IWS
ISHARES TR
|
ETF | 0.42% | 0.44% |
#31
1
Prev: #30
|
0.7 | -44,207 | -2.8% |
P
S
|
1,550,556 | $218,706,000 | 2014 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VOO
VANGUARD INDEX ...
|
ETF | 0.37% | 0.37% |
#32
Prev: #32
|
0.6 | 8,909 | 2.9% |
P
S
|
312,521 | $195,991,000 | 2015 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VUG
VANGUARD INDEX ...
|
Warrant | 0.29% | 0.29% |
#33
Prev: #33
|
0.6 | 8,948 | 2.9% |
P
S
|
314,854 | $153,605,000 | 2015 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
ESGE
iShares
|
ETF | 0.27% | 0.28% |
#34
Prev: #34
|
0.6 | -23,435 | -0.7% |
P
S
|
3,254,323 | $143,743,000 | 2018 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
GSIE
Goldman Sachs
|
Bond/Debt | 0.25% | 0.26% |
#35
1
Prev: #36
|
0.6 | -157,962 | -4.9% |
P
S
|
3,095,283 | $132,911,000 | 2017 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SPYV
SPDR State Stre...
|
Unknown | 0.25% | 0.26% |
#36
1
Prev: #37
|
0.6 | -80,814 | -3.4% |
P
S
|
2,331,001 | $132,424,000 | 2018 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
DFAC
Dimensional
|
ETF | 0.25% | 0.24% |
#37
4
Prev: #41
|
0.6 | 105,022 | 3.3% |
P
S
|
3,271,394 | $129,514,000 | 2021 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
BND
VANGUARD BD IND...
|
ETF | 0.24% | 0.27% |
#38
3
Prev: #35
|
0.6 | -118,793 | -6.5% |
P
S
|
1,718,105 | $127,260,000 | 2014 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VOTE
Engine No. 1
|
ETF | 0.24% | 0.24% |
#39
1
Prev: #40
|
0.6 | 16,436 | 1.1% |
P
S
|
1,572,590 | $126,153,000 | 2021 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IWN
ISHARES TR
|
ETF | 0.24% | 0.25% |
#40
2
Prev: #38
|
0.6 | -22,498 | -3.1% |
P
S
|
695,877 | $126,100,000 | 2014 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SCHV
SCHWAB STRATEGI...
|
ETF | 0.23% | 0.24% |
#41
2
Prev: #39
|
0.6 | -133,784 | -3.1% |
P
S
|
4,117,665 | $121,924,000 | 2014 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SPYX
SPDR State Stre...
|
ETF | 0.21% | 0.21% |
#42
Prev: #42
|
0.6 | 5,794 | 0.3% |
P
S
|
1,940,078 | $109,013,000 | 2020 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IVV
ISHARES TR
|
ETF | 0.19% | 0.19% |
#43
Prev: #43
|
0.6 | -3,055 | -2.1% |
P
S
|
141,807 | $97,129,000 | 2015 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IAGG
ISHARES TR
|
Bond/Debt | 0.17% | 0.15% |
#44
8
Prev: #52
|
2.6 | 336,162 | 22.7% |
P
S
|
1,818,945 | $90,965,000 | 2020 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
GEM
Goldman Sachs
|
ETF | 0.17% | 0.18% |
#45
Prev: #45
|
0.6 | 459 | 0.0% |
P
S
|
2,175,132 | $90,529,000 | 2017 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
GSEU
Goldman Sachs
|
ETF | 0.17% | 0.17% |
#46
Prev: #46
|
0.6 | -15,864 | -0.8% |
P
S
|
1,970,229 | $90,020,000 | 2024 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
KOMP
State Street Gl...
|
ETF | 0.17% | 0.19% |
#47
3
Prev: #44
|
0.6 | -10,766 | -0.7% |
P
S
|
1,495,878 | $89,349,000 | 2021 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SPEM
SPDR State Stre...
|
ETF | 0.16% | 0.16% |
#48
1
Prev: #49
|
0.6 | 5,634 | 0.3% |
P
S
|
1,766,357 | $82,683,000 | 2020 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
ESML
BlackRock Fund ...
|
ETF | 0.16% | 0.16% |
#49
1
Prev: #50
|
0.6 | 2,676 | 0.2% |
P
S
|
1,783,423 | $82,002,000 | 2022 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
JMSI
JP Morgan Inves...
|
Unknown | 0.15% | 0.14% |
#50
7
Prev: #57
|
2.1 | 235,384 | 17.3% |
P
S
|
1,595,871 | $80,400,000 | 2024 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) |
Showing 1-50 of 563 holdings