Institutional Manager · CIK 0001633901
Betterment LLC
NEW YORK, NY · File #028-16706
Latest AUM
$52.5M
Positions
551
Top-10 Concentration
73.2%
Filings
9
Portfolio Value Over Time
2024-03
2024-06
2024-09
2024-12
2025-03
2025-06
2025-09
2025-12
Biggest QoQ Changes
Ranked by conviction flow (share change × current price) so mark-to-market moves don't dominate. Price effect column shows how much of the $ change was just the stock moving.
| Action | Issuer | Ticker / CUSIP | Δ Shares | Flow ($) | Price Effect |
|---|---|---|---|---|---|
| ADD | SPDR State Street Global Advisors | 78464A854 | +5,039,605 | +$404,277 | +$147,667 |
| REDUCE | VANGUARD INDEX FDS | 922908769 | -610,825 | -$204,791 | +$183,055 |
| ADD | ISHARES TR | 464288414 | +1,646,689 | +$176,377 | +$10,753 |
| ADD | ISHARES TR | 464287226 | +1,687,004 | +$168,498 | -$9,090 |
| ADD | VANGUARD WHITEHALL FDS INC | 921946885 | +1,345,061 | +$90,698 | +$1,757 |
| REDUCE | ISHARES TR | 464288281 | -767,603 | -$73,905 | +$7,327 |
| ADD | VANGUARD TAX MANAGED INTL FD | 921943858 | +1,140,627 | +$71,255 | +$350,491 |
| ADD | VANGUARD INTL EQUITY INDEX F | 922042858 | +1,257,504 | +$67,603 | -$22,039 |
| ADD | SPDR State Street Global Advisors | 78464A847 | +1,024,884 | +$59,351 | +$14,491 |
| ADD | VANGUARD CHARLOTTE FDS | 92203J407 | +1,197,101 | +$57,844 | -$20,932 |
Sector Allocation
Filing History
- 13F HOLDINGS REPORTQ/E Dec 2025551 pos · $52.5M
- 13F HOLDINGS REPORTQ/E Sep 2025522 pos · $50.6M
- 13F HOLDINGS REPORTQ/E Jun 2025497 pos · $47.0M
- 13F HOLDINGS REPORTQ/E Mar 2025458 pos · $42.2M
- 13F HOLDINGS REPORTQ/E Dec 2024444 pos · $42.0M
- 13F HOLDINGS REPORTQ/E Sep 2024421 pos · $41.8M
- 13F HOLDINGS REPORTQ/E Jun 2024392 pos · $38.6M
- 13F HOLDINGS REPORTQ/E Mar 2024352 pos · $35.9M
- 13F HOLDINGS REPORTQ/E Dec 2023296 pos · $31.0M
Top 20 Holdings — Dec 2025
| # | Issuer | Ticker | Shares | Value | % of Portfolio |
|---|---|---|---|---|---|
| 1 | VANGUARD TAX MANAGED INTL FD | 921943858 | 138,588,366 | $8.7M | 17.58% |
| 2 | VANGUARD INDEX FDS | 922908769 | 25,171,575 | $8.4M | 17.14% |
| 3 | SPDR State Street Global Advisors | 78464A854 | 83,585,842 | $6.7M | 13.62% |
| 4 | VANGUARD INTL EQUITY INDEX F | 922042858 | 53,732,807 | $2.9M | 5.87% |
| 5 | ISHARES TR | 464287226 | 26,255,484 | $2.6M | 5.32% |
| 6 | ISHARES TR | 464288414 | 18,990,218 | $2.0M | 4.13% |
| 7 | ISHARES TR | 464287150 | 10,680,855 | $1.6M | 3.22% |
| 8 | SPDR State Street Global Advisors | 78464A847 | 21,151,161 | $1.2M | 2.49% |
| 9 | VANGUARD INDEX FDS | 922908744 | 4,973,990 | $949,982 | 1.93% |
| 10 | VANGUARD CHARLOTTE FDS | 92203J407 | 19,558,275 | $945,056 | 1.92% |
| 11 | SPDR State Street Global Advisors | 78468R853 | 18,757,519 | $878,977 | 1.78% |
| 12 | ISHARES TR | 46432F842 | 9,608,903 | $859,612 | 1.75% |
| 13 | Goldman Sachs | NVGLF | 6,005,716 | $794,977 | 1.61% |
| 14 | VANGUARD INDEX FDS | 922908512 | 3,924,610 | $696,108 | 1.41% |
| 15 | JP Morgan | 46641Q837 | 13,181,100 | $666,832 | 1.35% |
| 16 | VANGUARD INDEX FDS | 922908611 | 3,019,666 | $639,535 | 1.30% |
| 17 | Goldman Sachs | NVGLF | 5,862,171 | $585,865 | 1.19% |
| 18 | iShares | 46435G425 | 3,924,596 | $584,686 | 1.19% |
| 19 | ISHARES TR | 464288281 | 5,954,321 | $573,282 | 1.16% |
| 20 | SPDR SERIES TRUST | 78468R721 | 12,106,265 | $553,377 | 1.12% |