Fund HoldingsBetterment LLC

Total Portfolio Value
$52.49M
Total Bought
$11.60M
Total Sold
$9.71M
Net Transaction
+$1.89M
Filing Period:
Securities
SharesValue ($K)
Q3 2025
Q4 2025
Change
Q3 2025
Q4 2025
Weight (%)
Change
SPDR State Street Global Advisors
ST STR P500ETF
083,585,842+83,585,84206,70512.77%+6,705
SPDR State Street Global Advisors
ST STR P400MID
021,151,161+21,151,16101,2252.33%+1,225
SPDR State Street Global Advisors
ST STR SP600 SML
018,757,519+18,757,51908791.67%+879
SPDR SERIES TRUST
ST STR NUVEE ETF
012,106,265+12,106,26505531.05%+553
VANGUARD TAX MANAGED INTL FD137,447,739138,588,366+1,140,6278,2368,65816.49%+422
iShares
LOW CA OP MS ETF
01,303,736+1,303,73603010.57%+301
ISHARES TR018,990,218+18,990,21802,0343.88%+2,034
ISHARES TR24,568,48026,255,484+1,687,0042,4632,6225.00%+159
SPDR State Street Global Advisors
ST STR P500VAL
02,331,001+2,331,00101320.25%+132
SPDR State Street Global Advisors
ST STR SP500FF
01,940,078+1,940,07801090.21%+109
VANGUARD WHITEHALL FDS INC3,314,6864,659,747+1,345,0612223140.60%+92
State Street Global Advisors Inc
SP KENSHO NEWEC
01,495,878+1,495,8780890.17%+89
ISHARES TR0706,145+706,1450780.15%+78
JP Morgan
ULTRA SHRT ETF
12,178,59513,181,100+1,002,5056186671.27%+49
VANGUARD INTL EQUITY INDEX F52,475,30353,732,807+1,257,5042,8432,8895.50%+46
VANGUARD CHARLOTTE FDS
TOTAL INT BD ETF
18,361,17419,558,275+1,197,1019089451.80%+37
Goldman Sachs5,847,8496,005,716+157,8677627951.51%+33
BlackRock Fund Advisors0561,524+561,5240300.06%+30
Goldman Sachs05,862,171+5,862,17105861.12%+586
iShares
0-5 YR TIPS ETF
4,140,6224,371,869+231,2474284480.85%+20
iShares
ESG AWR MSCI USA
3,889,8973,924,596+34,6995665851.11%+18
BlackRock Fund Advisors0324,160+324,1600170.03%+17
iShares
A RATE CP BD ETF
0344,382+344,3820170.03%+17
SPDR State Street Global Advisors
ST NUVE TERM ETF
0325,174+325,1740160.03%+16
ISHARES TR
CORE INTL AGGR
01,818,945+1,818,9450910.17%+91
iShares
ESG AW MSCI EAFE
3,888,7083,947,005+58,2973623750.72%+14
JP Morgan Investment Management Inc
SUST MUNI IN ETF
1,360,4871,595,871+235,38468800.15%+12
SCHWAB STRATEGIC TR18,084,62018,148,928+64,3084764880.93%+12
VANGUARD INDEX FDS303,612312,521+8,9091861960.37%+10
ISHARES
BROAD USD HIGH
1,510,8201,795,176+284,35657670.13%+10
ISHARES TR
INVT GRAD SY ETF
1,213,5861,436,034+222,44856660.12%+10
SPDR State Street Global Advisors
ST STR PO EX ETF
7,498,0607,414,696-83,3643213290.63%+8
VANGUARD BD INDEX FD INC6,573,3546,707,905+134,5513293370.64%+8
iShares
CORE UNIVRSL USD
0171,750+171,750080.02%+8
Dimensional
US COR EQU 2 ETF
3,166,3723,271,394+105,0221221300.25%+7
VANGUARD INDEX FDS305,906314,854+8,9481471540.29%+7
Western Asset Management Co90,300153,084+62,7849150.03%+6
INVESCO EXCH TRADED FD TR
NASDAQ 100 ETF
154,011174,080+20,06938440.08%+6
iShares
MSCI JAPAN ETF
072,085+72,085060.01%+6
iShares
ESG AWR US AGRGT
1,523,3601,648,321+124,96173790.15%+6
SCHWAB STRATEGIC TR1,533,1251,696,751+163,62643480.09%+6
AllianceBernstein LP
DISRUPTORS ETF
504,303540,759+36,45651560.11%+5
iShares
0-5YR HI YL CP
696,542827,737+131,19530350.07%+5
SPDR State Street Global Advisors
ST STR MSCI GEN
037,944+37,944050.01%+5
SCHWAB STRATEGIC TR22,372,94521,860,498-512,4475215261.00%+5
SPDR State Street Global Advisors
ST STR P500GRW
043,102+43,102050.01%+5
VANGUARD INDEX FDS238,877257,568+18,69170750.14%+5
Engine No. 1
TRANSFRM 500 ETF
1,556,1541,572,590+16,4361221260.24%+4
iShares
USD GRN BOND ETF
01,345,583+1,345,5830650.12%+65
SPDR SERIES TRUST
ST LON TREAS ETF
0126,019+126,019030.01%+3
Goldman Sachs1,986,0931,970,229-15,86487900.17%+3
SPDR State Street Global Advisors
ST STR PR SP1500
038,602+38,602030.01%+3
Dimensional Fund Advisors LP
US LARG VALU ETF
673,543740,678+67,13522250.05%+3
Goldman Sachs Asset Management LP
MUNI INCOME ETF
775,892831,786+55,89439430.08%+3
SPDR State Street Global Advisors1,406,9031,435,553+28,65069720.14%+3
iShares
TRS FLT RT BD
331,593391,135+59,54217200.04%+3
Dimensional Fund Advisors LP
INTL CORE EQUITY
1,553,6801,563,546+9,86651540.10%+3
Dimensional Fund Advisors LP
US COR EQU 1 ETF
310,087342,376+32,28922250.05%+3
Goldman Sachs688,553756,947+68,39434370.07%+3
VANGUARD STAR FD355,311382,801+27,49026290.06%+3
Vanguard32,72751,615+18,888570.01%+3
ISHARES TR292,300346,088+53,78815180.03%+3
VANGUARD INDEX FDS5,080,0354,973,990-106,0459479501.81%+3
CAMBRIA ETF TR077,054+77,054020.00%+2
ISHARES TR
HIGH YLD SYSTM B
290,719344,845+54,12614160.03%+2
SPDR S&P 500 ETF TR(SPY)019,400+19,4000130.03%+13
ISHARES TR235,962277,271+41,30913150.03%+2
iShares047,201+47,201020.00%+2
Dimensional Fund Advisors LP
EMERGING MKTS CO
855,439889,780+34,34127290.06%+2
Goldman Sachs1,061,4421,069,668+8,22648500.09%+2
Goldman Sachs2,174,6732,175,132+45989910.17%+2
ISHARES
ESG AWRE USD ETF
1,508,4211,602,126+93,70536370.07%+2
ISHARES TR0275,576+275,5760140.03%+14
SPDR GOLD TRUST(GLD)012,655+12,655050.01%+5
VANGUARD SPECIALIZED PORTFOL154,493159,921+5,42833350.07%+2
ISHARES TR132,765151,812+19,04713150.03%+2
N/A(GOOG)010,957+10,957030.01%+3
Goldman Sachs
ACCESS US AGRAT
976,5651,024,281+47,71641430.08%+2
BlackRock Fund Advisors
ESG AWARE MSCI
1,780,7471,783,423+2,67680820.16%+2
VANGUARD BD INDEX FD INC0304,192+304,1920240.05%+24
SPDR SERIES TRUST
ST STR BLO 1 ETF
017,797+17,797020.00%+2
Vanguard Total World Bond ETF
TOTAL WLD BD ETF
334,391361,416+27,02523250.05%+2
Dimensional Fund Advisors LP
INTL SMALL CAP V
341,823361,688+19,86512140.03%+2
Dimensional Fund Advisors LP
US SUSTAINABILTY
222,544253,119+30,5759110.02%+2
iShares
ESG AWR MSCI EM
3,277,7583,254,323-23,4351421440.27%+1
SPDR SERIES TRUST
ST BLOO HIGH ETF
014,509+14,509010.00%+1
N/A(AMZN)012,295+12,295030.01%+3
NVIDIA CORPORATION(NVDA)019,449+19,449040.01%+4
Dimensional Fund Advisors LP
CORE FIXE IN ETF
1,142,1391,179,477+37,33849500.10%+1
VANGUARD533,633533,681+4863650.12%+1
SCHWAB STRATEGIC TR0153,306+153,306040.01%+4
ISHARES TR099,270+99,270080.02%+8
GOLDMAN SACHS ETF TR246,140252,278+6,13823240.05%+1
ISHARES TR0108,853+108,853090.02%+9
Health
ST STR CARE ETF
07,954+7,954010.00%+1
N/A(TSLA)03,704+3,704020.00%+2
N/A(AAPL)032,566+32,566090.02%+9
ISHARES TR0147,060+147,060080.02%+8
ALPHABET INC(GOOG)07,337+7,337020.00%+2
F/m Investments LLC
F/M US TREASURY
047,364+47,364020.00%+2
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