Data as of Q4 2025 (Dec 31, 2025)·Next filing deadline: May 15, 2026

Betterment LLC

•CIK: 1633901•Filing: Q4 2025

Betterment LLC, a prominent robo-advisor with $52.5B in assets under management, maintains a diversified portfolio with top holdings in VEA, VTI, and SPYM, reflecting a focus on broad market exposure. Recently, the fund has made notable moves by adding BINC and GOOG, with significant gains, while exiting positions in FALN and EMHY, indicating a strategic shift towards high-growth tech and biotech sectors.

Total AUM

$52.5B

QoQ Performance

+3.7%

Positions

177

Top 10 Concentration

69.1%

Latest Filing

Q4 2025

Top Holdings Allocation

VEA

VTI

SPYM

VWO

VEA16.5%

VTI16.1%

SPYM12.8%

VWO5.5%

AGG5.0%

MUB3.9%

ITOT3.0%

SPMD2.3%

📈 Biggest Buys

SPDR State Street Global Advisors

+6.4%

12.8% of portfolio

ISHARES TR

+9.5%

3.9% of portfolio

ISHARES TR

+6.9%

5.0% of portfolio

VANGUARD WHITEHALL FDS INC

+40.6%

0.6% of portfolio

VANGUARD TAX MANAGED INTL FD

+0.8%

16.5% of portfolio

📉 Biggest Sells

VANGUARD INDEX FDS

-2.4%

16.1% of portfolio

ISHARES TR

-11.4%

1.1% of portfolio

ISHARES TR

-2.4%

3.0% of portfolio

SPDR SERIES TRUST

-4.0%

1.1% of portfolio

ISHARES TR

-2.6%

1.6% of portfolio

Sector Breakdown

Other99.4%

ETF0.6%

Technology0.0%

🚪 Exited Positionssold since Q3 2025

iShares

SOLD

$31.4M

iShares

SOLD

$5.8M

Bitwise Asset Management Inc

SOLD

$3.7M

VANGUARD BD INDEX FDS

SOLD

$3.2M

iShares

SOLD

$3.1M

+319 more exited positions

Changes from Q3 2025

NEW2 new positions

↑141 increased

↓57 decreased

Historical Filings

Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023

📌 Top Holdings

VANGUARD TAX MANAGED INTL FD

VANGUARD INDEX FDS

SPDR State Street Global Advisors

VANGUARD INTL EQUITY INDEX F

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