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VOL. XII · NO. 117Established MMXIV · George Town, Grand CaymanAtlantic Edition · $4.50

The Cayman Journal

Finance · Business · Technology · Caribbean & Global Affairs
13F HOLDINGS REPORT

Betterment LLC

Quarter ended Q4 2023 · Filed November 9, 2023 · Accession 0001089847-23-000007

Total Value
$31.0M
Positions
296
Other Managers
0
Confidential Omitted
No
View on SEC.gov

Holdings (296)

#IssuerTicker / CUSIPSharesValue% of Filing
1VANGUARD INDEX FDS92290876929,652,373$6.3M19.95%
2VANGUARD TAX MANAGED INTL FD921943858108,000,000$4.7M15.00%
3VANGUARD INTL EQUITY INDEX F92204285877,659,118$3.0M9.64%
4VANGUARD CHARLOTTE FDS92203J40737,268,002$1.8M5.65%
5VANGUARD INDEX FDS92290874412,721,775$1.8M5.56%
6VANGUARD INDEX FDS92290851210,693,378$1.4M4.44%
7VANGUARD INDEX FDS9229086117,999,321$1.3M4.04%
8ISHARES TR46428715013,293,148$1.3M3.97%
9ISHARES TR46428841410,261,126$1.1M3.33%
10ISHARES TR4642872269,229,315$867,9252.75%
11ISHARES TR46428828110,229,007$844,0982.67%
12ISHARES TR46432F84212,295,402$791,2092.51%
13Goldman SachsNVGLF5,323,233$532,9091.69%
14SCHWAB STRATEGIC TR80852480514,684,524$498,6861.58%
15ISHARES INC46434G10310,003,390$476,0611.51%
16SCHWAB STRATEGIC TR8085241026,735,205$335,7501.06%
17Goldman SachsNVGLF3,391,165$285,6380.90%
18ISHARES TR4642886792,526,956$279,1530.88%
19iShares46429B7472,678,176$259,5690.82%
20iShares46435G5163,719,424$257,1240.81%
21VANGUARD MALVERN FDS9220208055,372,686$254,0210.80%
22iShares46435G4252,565,032$240,8820.76%
23ISHARES TR4642874732,173,187$226,7500.72%
24SPDR SERIES TRUST78468R7215,154,992$225,2730.71%
25iShares46434V4641,241,248$186,4980.59%
26JP Morgan46641Q8373,674,486$184,3860.58%
27Goldman SachsNVGLF4,885,657$146,7160.46%
28ISHARES TR4642876301,058,701$143,5070.45%
29VANGUARD WHITEHALL FDS INC9219468852,132,898$126,1820.40%
30SCHWAB STRATEGIC TR8085244091,872,715$120,7150.38%
31SPDR State Street Global Advisors78464A5082,843,933$117,3410.37%
32VANGUARD BD INDEX FD INC9219378351,494,204$104,2660.33%
33VANGUARD INDEX FDS922908363238,116$93,5080.30%
34iShares46434G8632,634,129$79,7610.25%
35ISHARES TR464287408474,258$72,9600.23%
36SPDR State Street Global Advisors78468R7962,088,510$72,5340.23%
37State Street Global Advisors Inc78468R6481,330,250$52,6910.17%
38VANGUARD INDEX FDS922908736189,305$51,5500.16%
39Engine No. 129287L106965,567$48,1620.15%
40iShares46435U440974,909$43,9980.14%
41iShares464288570533,024$43,3930.14%
42SPDR State Street Global Advisors78470E1061,180,270$41,8640.13%
43Goldman SachsNVGLF1,372,071$39,3370.12%
44Goldman SachsNVGLF645,205$36,0350.11%
45Dimensional Fund Advisors25434V1041,071,665$32,0960.10%
46Dimensional25434V7081,136,936$29,7880.09%
47Goldman SachsNVGLF742,847$29,5130.09%
48VANGUARD921910733388,173$29,1980.09%
49SPDR State Street Global Advisors78470E205880,927$25,5380.08%
50VANGUARD INDEX FDS922908751133,346$25,2120.08%
51VANGUARD BD INDEX FD INC921937827306,035$23,0050.07%
52SPDR State Street Global Advisors78463X509671,232$22,5330.07%
53iShares464288802219,093$19,7120.06%
54Goldman SachsNVGLF447,795$19,3490.06%
55iShares46435U549395,313$17,9080.06%
56Dimensional Fund Advisors25434V203572,609$14,9510.05%
57BlackRock Fund Advisors46435U663443,495$14,9240.05%
58ISHARES TR464287242135,621$13,8360.04%
59ISHARES TR464288588155,490$13,8080.04%
60iShares46429B655270,434$13,7620.04%
61ISHARES46435G193599,715$13,0500.04%
62VANGUARD BD INDEX FD INC921937819168,371$12,1750.04%
63InvescoIVZ33,815$12,1150.04%
64CAMBRIA ETF TR132061508427,303$11,5160.04%
65VANGUARD BD INDEX FDS92203C303223,686$11,0030.03%
66VANGUARD BD INDEX FD INC921937793153,515$10,2950.03%
67VANGUARD BD INDEX FD INC92206C771228,867$10,0200.03%
68Goldman Sachs Asset Management LPNVGLF259,193$9,9190.03%
69GraniteShares38747R108457,303$9,8730.03%
70SCHWAB STRATEGIC TR808524847511,366$9,0770.03%
71Vanguard92290853846,512$9,0590.03%
72Dimensional Fund Advisors LP25434V872214,251$8,6490.03%
73SCHWAB STRATEGIC TR808524201164,652$8,3310.03%
74SPDR State Street Global Advisors78464A300112,599$8,1490.03%
75ISHARES TR46428720016,795$7,2120.02%
76ISHARES TR46428744078,264$7,1680.02%
77iShares46434V860138,220$7,0130.02%
78XTRACKERS233051432198,735$6,7370.02%
79ISHARES TR46428770566,272$6,6890.02%
80ISHARES TR464288356114,413$6,2740.02%
81Dimensional Fund Advisors LP25434V799259,442$6,0580.02%
82iShares46434V407142,315$5,8390.02%
83ISHARES TR464288323114,151$5,8250.02%
84VANGUARD INDEX FDS92193270337,035$5,5070.02%
85iShares46435G474221,936$5,5040.02%
86VANGUARD INDEX FDS92193250522,020$5,4350.02%
87Vanguard92194681073,384$5,2340.02%
88Dimensional Fund Advisors25434V302227,732$5,1400.02%
89Dimensional Fund Advisors LP25434V880226,047$5,0910.02%
90InvescoIVZ270,338$4,9390.02%
91ISHARES TR46428864690,700$4,5200.01%
92Goldman SachsNVGLF94,420$4,4650.01%
93WisdomTreeWT145,450$3,8790.01%
94VANGUARD INTL EQUITY INDEX F92204267695,310$3,7100.01%
95Vanguard92290859517,231$3,6910.01%
96VANGUARD BD INDEX FD INC92206C84766,241$3,6770.01%
97iShares46431W50770,595$3,5220.01%
98Dimensional25434V60972,683$3,3210.01%
99WISDOMTREE TRWT89,422$3,1490.01%
100Impact Shares45259A20998,763$3,0520.01%
101SPDR State Street Global Advisors78468R74735,588$3,0250.01%
102VANGUARD INDEX FDS92290855339,074$2,9560.01%
103iShares46432F39620,833$2,9100.01%
104Dimensional Fund Advisors LP25434V86462,422$2,8950.01%
105ISHARES TR46428743232,624$2,8930.01%
106Western Asset Management Co46436E71828,586$2,8780.01%
107VANGUARD SCOTTSDALE FDS92206C87037,756$2,8690.01%
108Vanguard92206C10248,679$2,8040.01%
109Vanguard92206C40936,657$2,7550.01%
110CAMBRIA ETF TR132061888100,390$2,6740.01%
111Dimensional Fund Advisors LP25434V732111,555$2,6000.01%
112First Trust Exchange-Traded Fund VIII33740F80561,806$2,6000.01%
113SPDR State Street Global Advisors78463X88981,380$2,5240.01%
114ISHARES46435U85370,385$2,4430.01%
115iShares46428628567,772$2,3070.01%
116SPDR State Street Global Advisors78464A85445,270$2,2750.01%
117SCHWAB STRATEGIC TR80852470694,350$2,2590.01%
118iShares46432F33917,082$2,2510.01%
119CAMBRIA ETF TR132061409116,513$2,2380.01%
120Avantis02507287728,310$2,2070.01%
121Van Eck92189F43780,825$2,1870.01%
122VANGUARD SPECIALIZED PORTFOL92190884413,219$2,0540.01%
123CAMBRIA ETF TR13206120132,834$2,0310.01%
124VANGUARD WHITEHALL FDS INC92194640619,062$1,9690.01%
125ISHARES TR46428717618,735$1,9430.01%
126ISHARES TR46432F85940,599$1,8830.01%
127iShares46434V45652,729$1,7720.01%
128Vanguard92204274218,476$1,7220.01%
129iShares46436E61941,096$1,6790.01%
130ISHARES TR46428780417,106$1,6140.01%
131ISHARES TR46428861215,594$1,5800.01%
132First Trust33739Q40826,557$1,5780.00%
133VANGUARD STAR FD92190976827,520$1,4730.00%
134iShares46434V44946,054$1,4500.00%
135ISHARES TR4642875075,799$1,4460.00%
136ISHARES TR46428745717,630$1,4280.00%
137Dimensional Fund Advisors LP25434V82372,142$1,4080.00%
138Dimensional Fund Advisors LP25434V80741,771$1,3630.00%
139SPDR S&P 500 ETF TRSPY3,089$1,3200.00%
140Schwab80852476326,825$1,3010.00%
141SCHWAB STRATEGIC TR80852430017,529$1,2750.00%
142WisdomTreeWT27,860$1,2750.00%
143VANGUARD ADMIRAL FDS INC92193282814,235$1,2440.00%
144AMERICAN CENTY ETF TR02507288516,574$1,2140.00%
145SCHWAB STRATEGIC TR80852479717,081$1,2090.00%
146iShares46432F83419,760$1,1850.00%
147ISHARES TR46435G67224,217$1,1810.00%
148SPDR SERIES TRUST78468R66312,733$1,1690.00%
149Dimensional Fund Advisors LP25434V77350,925$1,1170.00%
150SELECT SECTOR SPDR TR81369Y50612,230$1,1050.00%
151SPDR GOLD TRUSTGLD6,409$1,0990.00%
152FIRST TR EXCHANGE TRADED FD33738D10141,416$1,0940.00%
153SCHWAB STRATEGIC TR80852475534,207$1,0830.00%
154SPDR State Street Global Advisors78464A47436,720$1,0770.00%
155SCHWAB STRATEGIC TR80852487021,337$1,0770.00%
156SPDR State Street Global Advisors78464A28445,210$1,0770.00%
157CAMBRIA ETF TR13206130044,314$1,0630.00%
158Dimensional25434V40122,274$1,0370.00%
159VANGUARD BD INDEX FD INC92290774621,559$1,0370.00%
160CAMBRIA ETF TR13206170635,679$1,0230.00%
161ISHARES TR46428887720,739$1,0150.00%
162Ark ETF Trust00214Q40118,678$1,0120.00%
163SPDR State Street Global Advisors78464A40917,058$1,0110.00%
164Vanguard92204277519,424$1,0080.00%
165Dimensional Fund Advisors LP25434V81539,767$1,0080.00%
166VANECK VECTORS TR92189H30042,008$1,0030.00%
167AVANTIS INTL02507280216,992$9830.00%
168ISHARES TR46428868732,167$9700.00%
169INDEXIQ ETF TR45409B10732,177$9660.00%
170iShares46434V61322,011$9620.00%
171WISDOMTREE TRWT20,568$9510.00%
172ISHARES TR46428746513,437$9260.00%
173First Trust33738R50620,109$9240.00%
174Vanguard92204A2075,020$9170.00%
175iShares46428888510,539$9100.00%
176Ark ETF Trust00214Q10422,799$9040.00%
177VANGUARD INDEX FDS9229086294,267$8890.00%
178Cambria Funds13206181337,951$8700.00%
179Vanguard9229086525,955$8540.00%
180Vanguard9219328699,368$8460.00%
181VANECK ETF TRUST92189H40916,557$8120.00%
182Vanguard92194679412,196$7550.00%
183iShares46429B69710,370$7510.00%
184WisdomTreeWT18,022$7480.00%
185Vanguard92204A5043,139$7380.00%
186Exchange Traded Concepts LLC301505624109,289$7320.00%
187iShares4642876142,711$7210.00%
188Innovator Capital Management LLCINHD23,581$7200.00%
189iShares4642894384,678$7200.00%
190Pacer69374H88114,227$7030.00%
191iShares4642881586,828$7020.00%
192WisdomTreeWT12,174$7000.00%
193Dimensional Fund Advisors LP25434V74029,437$6970.00%
194ISHARES46428947914,546$6870.00%
195ISHARES TR4642876892,795$6850.00%
196Vanguard9219108162,986$6780.00%
197John Hancock47804J20614,089$6670.00%
198iShares4642876482,960$6630.00%
199Schwab80852473025,237$6620.00%
200Dimensional Fund Advisors LP25434V83124,955$6410.00%
201INNOVATOR ETFS TRINHD20,594$6270.00%
202InvescoIVZ12,003$6200.00%
203Vanguard92191072512,067$6090.00%
204Van Eck92189H6071,763$6080.00%
205PIMCO ETF TR72201R7756,883$6050.00%
206Vanguard92206C70610,456$5980.00%
207ISHARES TR4642873098,411$5750.00%
208APPLE INC AAPL3,358$5750.00%
209INVESCO EXCH TRADED FD TR II IVZ3,767$5550.00%
210EA Series Trust02072L10214,692$5450.00%
211ISHARES TR4642875983,538$5370.00%
212WisdomTreeWT12,954$5310.00%
213Dimensional Fund Advisors LP25434V75722,851$5180.00%
214SCHWAB STRATEGIC TR80852483911,305$5000.00%
215SPDR SERIES TRUST78468R6225,465$4940.00%
216VANGUARD INTL EQUITY INDEX F9220427184,588$4870.00%
217iShares46429B26721,977$4840.00%
218InvescoIVZ31,498$4710.00%
219ETFS GOLD TR00326A10426,492$4690.00%
220ISHARES TR4642881827,330$4650.00%
221ISHARES TR4642886534,676$4600.00%
222iShares4642885219,695$4570.00%
223Dimensional25434V5008,579$4500.00%
224iShares46434V6218,763$4340.00%
225SPDR State Street Global Advisors78463X4346,271$4200.00%
226Vanguard92206C7302,123$4130.00%
227ISHARES TR4642876552,327$4110.00%
228ISHARES TR4642886208,524$4100.00%
229Innovator Capital Management LLCINHD12,028$4080.00%
230ABRDN SILVER ETF TRUSTSIVR19,084$4060.00%
231ISHARES TR4642876714,245$4030.00%
232iShares46432F3884,426$4020.00%
233J P MORGAN EXCHANGE TRADED46641Q3327,401$3960.00%
234EA Series Trust02072L20116,728$3950.00%
235iSharesSLV19,071$3880.00%
236SPDR State Street Global AdvisorsGLDW10,494$3850.00%
237iShares46436E7596,666$3810.00%
238ISHARES TR4642878794,189$3740.00%
239SPDR State Street Global Advisors78464A8057,098$3730.00%
240Legg Mason52468L40610,916$3700.00%
241Dimensional Fund Advisors LP25434V78115,564$3700.00%
242ISHARES TR4642876221,555$3650.00%
243InvescoIVZ8,360$3640.00%
244SPDR SERIES TRUST78464A37511,476$3610.00%
245SPDR SERIES TRUST78464A66413,796$3610.00%
246iShares46436E76710,303$3570.00%
247Dimensional Fund Advisors LP25434V72410,421$3550.00%
248Schwab8085247716,292$3520.00%
249Van Eck92189F6434,628$3510.00%
250EA Series Trust02072L30014,012$3440.00%
251iShares4642876064,743$3430.00%
252WisdomTreeWT7,836$3390.00%
253Proshare Capital Management LLC74347G44024,364$3360.00%
254Health81369Y2092,576$3320.00%
255Schwab ETFs8085248546,361$3050.00%
256iShares4642877212,871$3010.00%
257INNOVATOR ETFS TR INHD9,454$2960.00%
258iShares4642882406,275$2950.00%
259SCHWAB STRATEGIC TR8085246077,009$2900.00%
260InvescoIVZ8,713$2890.00%
261iShares46435G24312,119$2880.00%
262Schwab ETFs8085248625,988$2870.00%
263InvescoIVZ4,932$2830.00%
264ISHARES GOLD TRUSTIAU8,079$2830.00%
265ISHARES TR4642885133,753$2770.00%
266DBX ETF TR23305187910,644$2770.00%
267Innovator Capital Management LLCINHD7,733$2750.00%
268iShares4642876633,681$2750.00%
269INNOVATOR ETFS TRINHD7,919$2670.00%
270iShares46434V64712,615$2670.00%
271InvescoIVZ3,749$2630.00%
272ISHARES TR4642886612,327$2630.00%
273Dimensional Fund Advisors LP25434V76511,207$2600.00%
274Dimensional Fund Advisors LP25434V66610,338$2560.00%
275Dimensional Fund Advisors LP25434V8495,438$2530.00%
276VANGUARD INDEX FDS92206C6803,634$2490.00%
277WISDOMTREE TRWT3,967$2450.00%
278InvescoIVZ1,729$2450.00%
279VANGUARD SCOTTSDALE FDS92206C8133,410$2440.00%
280INNOVATOR ETFS TRINHD6,974$2430.00%
281WisdomTreeWT4,798$2410.00%
282SCHWAB STRATEGIC TR8085245083,536$2390.00%
283ISHARES TR4642895115,072$2390.00%
284PIMCO ETF TR72201R8332,347$2350.00%
285PACER FDS TR 69374H8575,630$2350.00%
286iShares4642874993,318$2300.00%
287Vanguard9219108402,246$2280.00%
288ISHARES TR4642886384,677$2280.00%
289ProShares74348A5338,608$2250.00%
290MICROSOFT CORPMSFT711$2240.00%
291Simplify Asset Management Inc82889N3017,652$2230.00%
292SPDR State Street Global Advisors81369Y8863,755$2210.00%
293ProShares74348A4672,452$2170.00%
294J P MORGAN EXCHANGE TRADED46641Q2744,766$2160.00%
295iShares4642874812,352$2150.00%
296SPDR State Street Global Advisors78468R2006,827$2100.00%