Fund Holdings

Betterment LLC

Filing Period:
Securities
SharesValue ($K)
Q4 2025
Q1 2026
Change
Q4 2025
Q1 2026
Weight (%)
Change
SPDR State Street Global Advisors
ST STR P500ETF
83,585,84291,626,856+8,041,0146,705,2567,013,12013.28%+307,864
J P MORGAN EXCHANGE TRADED
CORE PLUS BD ETF
107,6416,234,652+6,127,0115,097293,5270.56%+288,430
SCHWAB STRATEGIC TR18,148,92828,599,516+10,450,588488,388733,2921.39%+244,904
VANGUARD TAX MANAGED INTL FD138,588,366137,930,799-657,5678,657,6158,838,60616.74%+180,991
VANGUARD WHITEHALL FDS INC4,659,7475,700,214+1,040,467314,207374,4470.71%+60,240
SPDR State Street Global Advisors
ST STR PO EX ETF
7,414,6968,266,335+851,639329,287377,3580.71%+48,071
ISHARES TR18,990,21819,583,732+593,5142,034,0422,078,8133.94%+44,771
SPDR State Street Global Advisors
ST STR SP600 SML
18,757,51919,018,965+261,446878,977918,9961.74%+40,019
VANGUARD INDEX FDS312,521382,432+69,911195,991228,5220.43%+32,531
Goldman Sachs5,862,1716,099,166+236,995585,865611,0751.16%+25,210
JP Morgan
ULTRA SHRT ETF
13,181,10013,652,039+470,939666,832690,9301.31%+24,098
ISHARES TR
CORE INTL AGGR
1,818,9452,223,553+404,60890,965111,2670.21%+20,302
SPDR State Street Global Advisors
ST PORT MARK ETF
1,766,3572,148,733+382,37682,683100,7970.19%+18,114
iShares
MSCI USA QLT FCT
14,554103,071+88,5172,89119,7700.04%+16,879
iShares
0-5 YR TIPS ETF
4,371,8694,487,580+115,711447,636464,1500.88%+16,514
VANGUARD MALVERN FDS0176,641+176,641013,7060.03%+13,706
Vanguard107,899157,973+50,07433,96747,2100.09%+13,243
CAPITAL GROUP CORE BALANCED
SHS
0330,158+330,158011,3610.02%+11,361
Goldman Sachs3,095,2833,290,100+194,817132,911141,9020.27%+8,991
J P MORGAN EXCHANGE TRADED
US QUALTY FCTR
9,709149,776+140,0676139,1840.02%+8,571
VANGUARD BD INDEX FD INC6,707,9056,930,029+222,124337,341345,7390.65%+8,398
GRAYSCALE BITCOIN MINI TR ET(BTC)0272,654+272,65408,1770.02%+8,177
GraniteShares
BBG COMMD K 1
660,590787,955+127,36513,94520,7000.04%+6,755
AllianceBernstein LP
DISRUPTORS ETF
540,759576,726+35,96756,46162,6090.12%+6,148
SPDR State Street Global Advisors
SST SPDR MSCI
7,649136,723+129,0743285,5580.01%+5,230
Goldman Sachs Asset Management LP
MUNI INCOME ETF
831,786937,751+105,96542,57947,7780.09%+5,199
SCHWAB STRATEGIC TR1,696,7511,839,896+143,14548,32353,5040.10%+5,181
Western Asset Management Co153,084204,114+51,03015,36720,5460.04%+5,179
Goldman Sachs756,947856,115+99,16837,18942,2660.08%+5,077
Goldman Sachs1,069,6681,126,947+57,27949,83654,8370.10%+5,001
VANGUARD STAR FD382,801435,435+52,63428,87933,5760.06%+4,697
VANGUARD INDEX FDS4,973,9904,864,568-109,422949,982954,4281.81%+4,446
SCHWAB STRATEGIC TR153,306271,180+117,8744,2058,3200.02%+4,115
JP Morgan Investment Management Inc
SUST MUNI IN ETF
1,595,8711,697,584+101,71380,40084,4550.16%+4,055
INVESCO EXCH TRADED FD TR
NASDAQ 100 ETF
174,080201,037+26,95744,02847,7700.09%+3,742
Dimensional
US COR EQU 2 ETF
3,271,3943,427,113+155,719129,514133,1780.25%+3,664
Dimensional Fund Advisors LP
US LARG VALU ETF
740,678811,170+70,49225,33928,9670.05%+3,628
SPDR State Street Global Advisors
ST STR MSCI GLB
10,17856,677+46,4997814,2910.01%+3,510
VANGUARD533,681605,053+71,37264,55467,9290.13%+3,375
ISHARES TR
INVT GRAD SY ETF
1,436,0341,529,358+93,32465,56968,9130.13%+3,344
SCHWAB STRATEGIC TR242,522379,938+137,4167,91111,0680.02%+3,157
ISHARES
BROAD USD HIGH
1,795,1761,906,112+110,93667,14070,2210.13%+3,081
Dimensional Fund Advisors LP
CORE FIXE IN ETF
1,179,4771,256,555+77,07850,19953,0520.10%+2,853
Dimensional Fund Advisors LP
EMERGING MKTS CO
889,780925,468+35,68829,43431,9750.06%+2,541
Dimensional Fund Advisors LP
INTL CORE EQUITY
1,563,5461,583,801+20,25553,88056,2720.11%+2,392
BlackRock Fund Advisors
ESG AWARE MSCI
1,783,4231,789,266+5,84382,00284,1310.16%+2,129
iShares
MSCI JAPAN ETF
72,08593,239+21,1545,8207,8730.01%+2,053
Goldman Sachs Asset Management LP
ULT SHO MUN ETF
46,69084,767+38,0772,3484,2740.01%+1,926
Avantis175,362179,055+3,69317,88319,7800.04%+1,897
Vanguard
SHORT TERM TREAS
83,775114,733+30,9584,9206,7160.01%+1,796
iShares
FUTU EXPO TE ETF
99,355127,167+27,8126,9298,6660.02%+1,737
BlackRock Fund Advisors561,524603,679+42,15529,63231,3490.06%+1,717
NVIDIA CORPORATION(NVDA)19,44930,627+11,1783,6275,3410.01%+1,714
CAPITAL GROUP INTERNATIONAL
SHS
049,757+49,75701,6470.00%+1,647
iShares
CORE UNIVRSL USD
171,750208,442+36,6927,9939,6280.02%+1,635
Dimensional
US TARGETED VLU
357,340366,700+9,36021,27622,9000.04%+1,624
SPDR GOLD TRUST(GLD)12,65515,393+2,7385,0156,6230.01%+1,608
N/A(TSLA)3,7048,442+4,7381,6663,1380.01%+1,472
iShares
0-5YR HI YL CP
827,737873,283+45,54635,48536,9490.07%+1,464
ISHARES TR151,812167,998+16,18614,59816,0340.03%+1,436
ISHARES TR695,877672,519-23,358126,100127,5030.24%+1,403
iShares
A RATE CP BD ETF
344,382377,172+32,79016,56117,9500.03%+1,389
Dimensional Fund Advisors LP
US SMALL CAP ETF
435,005447,734+12,72914,30715,6890.03%+1,382
Schwab34,21282,460+48,2489312,2970.00%+1,366
VANGUARD INDEX FDS229,220230,828+1,60859,12760,4580.11%+1,331
BlackRock Fund Advisors324,160348,450+24,29016,77218,0640.03%+1,292
SPDR S&P 500 ETF TR(SPY)19,40022,080+2,68013,22914,3600.03%+1,131
ISHARES TR56,98872,022+15,0343,7614,8640.01%+1,103
Goldman Sachs
ACCESS US AGRAT
1,024,2811,055,908+31,62742,52843,6300.08%+1,102
Dimensional Fund Advisors LP
INTL SMALL CAP V
361,688375,997+14,30913,74414,8290.03%+1,085
AMERICAN CENTY ETF TR013,974+13,97401,0840.00%+1,084
GRAYSCALE ETHEREUM STAKING(ETH)054,477+54,47701,0820.00%+1,082
AMERICAN CENTY ETF TR22,04133,849+11,8081,8142,8720.01%+1,058
iShares
USD GRN BOND ETF
1,345,5831,381,155+35,57264,50765,5630.12%+1,056
SCHWAB STRATEGIC TR769,210795,744+26,53416,06917,1010.03%+1,032
iShares
ESG AWR MSCI EM
3,254,3233,182,530-71,793143,743144,7100.27%+967
ISHARES TR40,79746,859+6,0624,9035,8250.01%+922
Dimensional Fund Advisors LP
US REAL ESTA ETF
354,442381,693+27,2518,1179,0270.02%+910
SPDR State Street Global Advisors(GLDM)9,13318,150+9,0177801,6820.00%+902
JP Morgan Investment Management Inc
ACTIVE BOND ETF
7,03923,363+16,3243811,2560.00%+875
iShares(SLV)19,35730,978+11,6211,2472,1110.00%+864
iShares
TRS FLT RT BD
391,135406,901+15,76619,73720,6010.04%+864
VANGUARD BD INDEX FD INC614,397628,308+13,91148,42149,2660.09%+845
FIRST TR EXCHANGE-TRADED ALP
SML CP GRW ALP
08,226+8,22607980.00%+798
GOLDMAN SACHS PHYSICAL GOLD(AAAU)017,147+17,14707920.00%+792
N/A(AMZN)12,29517,416+5,1212,8383,6270.01%+789
Dimensional Fund Advisors LP
GLOB CO PLUS ETF
141,867156,211+14,3447,6718,4340.02%+763
American Century Investment Management Inc5,02714,947+9,9203581,1180.00%+760
GOLDMAN SACHS GROUP INC(GS)6121,495+8835381,2650.00%+727
Empowered Funds LLC
STRIVE 500 ETF
62,19582,611+20,4162,7423,4670.01%+725
GOLDMAN SACHS ETF TR108,056122,070+14,0145,4546,1710.01%+717
ABRDN SILVER ETF TRUST10,77119,985+9,2147291,4310.00%+702
iShares1,3114,483+3,1722819810.00%+700
VANGUARD INDEX FDS46,98450,647+3,6639,62510,3210.02%+696
SCHWAB STRATEGIC TR026,768+26,76806960.00%+696
VANGUARD INDEX FDS29,07333,395+4,32212,92613,6150.03%+689
Dimensional Fund Advisors LP
EMERGING MKTS VA
224,775231,195+6,4207,5848,2720.02%+688
N/A2,0833,608+1,5251,0471,7290.00%+682
VANGUARD BD INDEX FDS
VANGUARD ULTRA
57,31470,857+13,5432,8573,5280.01%+671
ISHARES TR99,270107,647+8,3778,2228,8880.02%+666
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