13F holdings
Betterment LLC portfolio
Managed by . 615 reported positions worth $52.8B as of 2026-03-31, filed with the SEC on 2026-05-14. Parsed from the filing itself, not a reseller.
$52.8B
Book value
615
Positions
68%
Top 10 weight
+83
New this quarter
-19
Exited
134 days
Age today
How old this actually is
Every position on this page is a snapshot of 2026-03-31. It was already 44 days old on 2026-05-14, the day it first became public. Today it is 134 days old.
That lag is the law, not a service level — Rule 13f-1 gives managers 45 days after quarter end to file, and no product can shorten it. A fund can have sold every share below before you read this sentence. Treat it as a record of what happened, never as a position you can follow.
What changed
Positions opened and closed
Against its 2025-12-31 filing. This is the part worth reading — the holdings table below is mostly years old.
New positions (83)
| Ticker | Issuer | Value | Shares | % of book |
|---|---|---|---|---|
| VPLS | VANGUARD MALVERN FDS | $13.7M | 176,641 | 0.03% |
| CGBL | CAPITAL GROUP CORE BALANCED | $11.4M | 330,158 | 0.02% |
| BTC | GRAYSCALE BITCOIN MINI TR ET | $8.2M | 272,654 | 0.02% |
| CGIC | CAPITAL GROUP INTERNATIONAL | $1.6M | 49,757 | 0.00% |
| AVLC | AMERICAN CENTY ETF TR | $1.1M | 13,974 | 0.00% |
| ETH | GRAYSCALE ETHEREUM STAKING | $1.1M | 54,477 | 0.00% |
| FYC | FIRST TR EXCHANGE-TRADED ALP | $798,000 | 8,226 | 0.00% |
| AAAU | GOLDMAN SACHS PHYSICAL GOLD | $792,000 | 17,147 | 0.00% |
| SCYB | SCHWAB STRATEGIC TR | $696,000 | 26,768 | 0.00% |
| MU | MICRON TECHNOLOGY INC | $652,000 | 1,931 | 0.00% |
| WDC | WESTERN DIGITAL CORP | $645,000 | 2,385 | 0.00% |
| PVAL | PUTNAM ETF TRUST | $643,000 | 13,867 | 0.00% |
| FTRB | FEDERATED HERMES ETF TRUST | $619,000 | 24,598 | 0.00% |
| FESM | FIDELITY COVINGTON TRUST | $612,000 | 16,109 | 0.00% |
| WCMI | FIRST TR EXCHANGE-TRADED FD | $608,000 | 36,283 | 0.00% |
| VSDB | VANGUARD MALVERN FDS | $582,000 | 7,627 | 0.00% |
| BOXX | EA SERIES TRUST | $543,000 | 4,669 | 0.00% |
| SCHC | SCHWAB STRATEGIC TR | $517,000 | 11,068 | 0.00% |
| C | CITIGROUP INC | $513,000 | 4,524 | 0.00% |
| CVX | CHEVRON CORPORATION | $447,000 | 2,161 | 0.00% |
| VST | VISTRA CORP | $440,000 | 2,928 | 0.00% |
| RIVN | RIVIAN AUTOMOTIVE INC | $431,000 | 28,609 | 0.00% |
| EWY | ISHARES INC | $393,000 | 3,198 | 0.00% |
| STX | SEAGATE TECHNOLOGY HLDNGS PL | $391,000 | 998 | 0.00% |
| SMMD | ISHARES TR | $388,000 | 5,083 | 0.00% |
Closed out (19)
| Ticker | Issuer | Was worth | Shares | % of book |
|---|---|---|---|---|
| RSSX | Tidal Investments LLC | $584,000 | 22,928 | 0.00% |
| EQWL | Invesco | $520,000 | 4,401 | 0.00% |
| IJK | iShares | $469,000 | 4,845 | 0.00% |
| OSCV | ETF SER SOLUTIONS | $377,000 | 10,176 | 0.00% |
| USXF | iShares | $376,000 | 6,537 | 0.00% |
| IJS | ISHARES TR | $340,000 | 2,989 | 0.00% |
| SUSB | iShares | $339,000 | 13,447 | 0.00% |
| QCOM | QUALCOMM INC | $318,000 | 1,858 | 0.00% |
| PFF | ISHARES TR | $295,000 | 9,520 | 0.00% |
| AXP | AMERICAN EXPRESS CO | $293,000 | 793 | 0.00% |
| RWO | SPDR | $258,000 | 5,720 | 0.00% |
| IBDR | iShares | $238,000 | 9,814 | 0.00% |
| QHY | WisdomTree | $232,000 | 5,002 | 0.00% |
| PGR | PROGRESSIVE CORP | $232,000 | 1,017 | 0.00% |
| BLOK | AMPLIFY ETF TR | $228,000 | 4,000 | 0.00% |
| BBUS | J P MORGAN EXCHANGE TRADED | $223,000 | 1,806 | 0.00% |
| IBM | N/A | $222,000 | 748 | 0.00% |
| NULV | Nuveen | $218,000 | 4,834 | 0.00% |
| PEX | ProShares | $201,000 | 8,153 | 0.00% |
Added to (333)
| Ticker | Issuer | Value | Shares | % of book | Shares Δ |
|---|---|---|---|---|---|
| SPYM | SPDR State Street Global Advisors | $7.0B | 91,626,856 | 13.28% | +10% |
| MUB | ISHARES TR | $2.1B | 19,583,732 | 3.94% | +3% |
| SPSM | SPDR State Street Global Advisors | $919.0M | 19,018,965 | 1.74% | +1% |
| SCHX | SCHWAB STRATEGIC TR | $733.3M | 28,599,516 | 1.39% | +58% |
| JPST | JP Morgan | $690.9M | 13,652,039 | 1.31% | +4% |
| GBIL | Goldman Sachs | $611.1M | 6,099,166 | 1.16% | +4% |
| ESGU | iShares | $571.6M | 4,041,916 | 1.08% | +3% |
| STIP | iShares | $464.1M | 4,487,580 | 0.88% | +3% |
| SPDW | SPDR State Street Global Advisors | $377.4M | 8,266,335 | 0.71% | +11% |
| VWOB | VANGUARD WHITEHALL FDS INC | $374.4M | 5,700,214 | 0.71% | +22% |
| VTEB | VANGUARD BD INDEX FD INC | $345.7M | 6,930,029 | 0.65% | +3% |
| JCPB | J P MORGAN EXCHANGE TRADED | $293.5M | 6,234,652 | 0.56% | +5692% |
| VOO | VANGUARD INDEX FDS | $228.5M | 382,432 | 0.43% | +22% |
| GSIE | Goldman Sachs | $141.9M | 3,290,100 | 0.27% | +6% |
| VUG | VANGUARD INDEX FDS | $140.5M | 321,772 | 0.27% | +2% |
Trimmed (147)
| Ticker | Issuer | Value | Shares | % of book | Shares Δ |
|---|---|---|---|---|---|
| GHYB | Goldman Sachs | $335,000 | 7,524 | 0.00% | -69% |
| GRNB | Van Eck | $1.0M | 42,325 | 0.00% | -65% |
| XSMO | Invesco | $477,000 | 6,275 | 0.00% | -62% |
| SCHJ | SCHWAB | $224,000 | 9,040 | 0.00% | -58% |
| BILS | State Street Global Advisors Inc | $226,000 | 2,276 | 0.00% | -57% |
| FLTR | Van Eck | $379,000 | 14,856 | 0.00% | -56% |
| VNLA | Janus | $2.1M | 42,951 | 0.00% | -54% |
| HYMB | SPDR State Street Global Advisors | $490,000 | 19,771 | 0.00% | -51% |
| CGMS | Capital Research and Management Co | $4.3M | 156,340 | 0.01% | -50% |
| EUSB | iShares | $1.0M | 23,820 | 0.00% | -50% |
| CWI | SPDR State Street Global Advisors | $446,000 | 12,176 | 0.00% | -42% |
| BITQ | Bitwise Investment Managers | $278,000 | 14,762 | 0.00% | -39% |
| FDVV | Fidelity Investments | $312,000 | 5,648 | 0.00% | -39% |
| IJT | iShares | $322,000 | 2,226 | 0.00% | -34% |
| TBIL | F/m Investments LLC | $1.6M | 31,722 | 0.00% | -33% |
The book
Largest 150 of 615 holdings
| Ticker | Issuer | Value | Shares | % of book | Shares Δ |
|---|---|---|---|---|---|
| VEA | VANGUARD TAX MANAGED INTL FD | $8.8B | 137,930,799 | 16.74% | — |
| VTI | VANGUARD INDEX FDS | $7.9B | 24,526,707 | 14.90% | — |
| SPYM | SPDR State Street Global Advisors | $7.0B | 91,626,856 | 13.28% | — |
| VWO | VANGUARD INTL EQUITY INDEX F | $2.9B | 53,371,727 | 5.46% | — |
| AGG | ISHARES TR | $2.4B | 23,905,376 | 4.50% | — |
| MUB | ISHARES TR | $2.1B | 19,583,732 | 3.94% | — |
| ITOT | ISHARES TR | $1.5B | 10,617,929 | 2.86% | — |
| SPMD | SPDR State Street Global Advisors | $1.2B | 20,199,297 | 2.27% | — |
| VTV | VANGUARD INDEX FDS | $954.4M | 4,864,568 | 1.81% | — |
| BNDX | VANGUARD CHARLOTTE FDS | $932.2M | 19,400,574 | 1.77% | — |
| SPSM | SPDR State Street Global Advisors | $919.0M | 19,018,965 | 1.74% | — |
| IEFA | ISHARES TR | $838.5M | 9,262,506 | 1.59% | — |
| SCHX | SCHWAB STRATEGIC TR | $733.3M | 28,599,516 | 1.39% | — |
| GSLC | Goldman Sachs | $721.9M | 5,769,076 | 1.37% | — |
| JPST | JP Morgan | $690.9M | 13,652,039 | 1.31% | — |
| VOE | VANGUARD INDEX FDS | $689.6M | 3,741,881 | 1.31% | — |
| VBR | VANGUARD INDEX FDS | $633.7M | 2,917,128 | 1.20% | — |
| GBIL | Goldman Sachs | $611.1M | 6,099,166 | 1.16% | — |
| ESGU | iShares | $571.6M | 4,041,916 | 1.08% | — |
| SCHF | SCHWAB STRATEGIC TR | $524.9M | 21,209,364 | 0.99% | — |
| TFI | SPDR SERIES TRUST | $524.3M | 11,563,595 | 0.99% | — |
| EMB | ISHARES TR | $507.9M | 5,407,726 | 0.96% | — |
| STIP | iShares | $464.1M | 4,487,580 | 0.88% | — |
| SCHB | SCHWAB STRATEGIC TR | $394.5M | 15,717,854 | 0.75% | — |
| IEMG | ISHARES INC | $394.3M | 5,653,446 | 0.75% | — |
| SPDW | SPDR State Street Global Advisors | $377.4M | 8,266,335 | 0.71% | — |
| ESGD | iShares | $374.7M | 3,918,891 | 0.71% | — |
| VWOB | VANGUARD WHITEHALL FDS INC | $374.4M | 5,700,214 | 0.71% | — |
| VTEB | VANGUARD BD INDEX FD INC | $345.7M | 6,930,029 | 0.65% | — |
| JCPB | J P MORGAN EXCHANGE TRADED | $293.5M | 6,234,652 | 0.56% | — |
| CRBN | iShares | $290.0M | 1,301,436 | 0.55% | — |
| VOO | VANGUARD INDEX FDS | $228.5M | 382,432 | 0.43% | — |
| IWS | ISHARES TR | $215.5M | 1,478,807 | 0.41% | — |
| ESGE | iShares | $144.7M | 3,182,530 | 0.27% | — |
| GSIE | Goldman Sachs | $141.9M | 3,290,100 | 0.27% | — |
| VUG | VANGUARD INDEX FDS | $140.5M | 321,772 | 0.27% | — |
| DFAC | Dimensional | $133.2M | 3,427,113 | 0.25% | — |
| IWN | ISHARES TR | $127.5M | 672,519 | 0.24% | — |
| SPYV | SPDR State Street Global Advisors | $127.2M | 2,247,354 | 0.24% | — |
| VOTE | Engine No. 1 | $123.3M | 1,615,436 | 0.23% | — |
| SCHV | SCHWAB STRATEGIC TR | $122.0M | 4,000,948 | 0.23% | — |
| BND | VANGUARD BD INDEX FD INC | $118.0M | 1,601,843 | 0.22% | — |
| IAGG | ISHARES TR | $111.3M | 2,223,553 | 0.21% | — |
| SPYX | SPDR State Street Global Advisors | $104.5M | 1,971,282 | 0.20% | — |
| SPEM | SPDR State Street Global Advisors | $100.8M | 2,148,733 | 0.19% | — |
| IVV | ISHARES TR | $95.9M | 146,784 | 0.18% | — |
| GEM | Goldman Sachs | $89.5M | 2,071,837 | 0.17% | — |
| KOMP | State Street Global Advisors Inc | $86.9M | 1,485,819 | 0.16% | — |
| JMSI | JP Morgan Investment Management In | $84.5M | 1,697,584 | 0.16% | — |
| ESML | BlackRock Fund Advisors | $84.1M | 1,789,266 | 0.16% | — |
| GSEU | Goldman Sachs | $82.8M | 1,832,782 | 0.16% | — |
| EAGG | iShares | $78.9M | 1,659,986 | 0.15% | — |
| IVE | ISHARES TR | $75.5M | 357,479 | 0.14% | — |
| VO | VANGUARD INDEX FDS | $74.1M | 258,040 | 0.14% | — |
| VTIP | VANGUARD MALVERN FDS | $73.2M | 1,465,040 | 0.14% | — |
| SHV | ISHARES TR | $72.0M | 651,818 | 0.14% | — |
| EFAX | SPDR State Street Global Advisors | $71.3M | 1,431,679 | 0.13% | — |
| USHY | ISHARES | $70.2M | 1,906,112 | 0.13% | — |
| IGEB | ISHARES TR | $68.9M | 1,529,358 | 0.13% | — |
| ESGV | VANGUARD | $67.9M | 605,053 | 0.13% | — |
| BGRN | iShares | $65.6M | 1,381,155 | 0.12% | — |
| FWD | AllianceBernstein LP | $62.6M | 576,726 | 0.12% | — |
| VB | VANGUARD INDEX FDS | $60.5M | 230,828 | 0.11% | — |
| GSSC | Goldman Sachs | $56.9M | 763,146 | 0.11% | — |
| DFIC | Dimensional Fund Advisors LP | $56.3M | 1,583,801 | 0.11% | — |
| GSJY | Goldman Sachs | $54.8M | 1,126,947 | 0.10% | — |
| SCHA | SCHWAB STRATEGIC TR | $53.5M | 1,839,896 | 0.10% | — |
| DFCF | Dimensional Fund Advisors LP | $53.1M | 1,256,555 | 0.10% | — |
| BSV | VANGUARD BD INDEX FD INC | $49.3M | 628,308 | 0.09% | — |
| GMUB | Goldman Sachs Asset Management LP | $47.8M | 937,751 | 0.09% | — |
| QQQM | INVESCO EXCH TRADED FD TR | $47.8M | 201,037 | 0.09% | — |
| VV | Vanguard | $47.2M | 157,973 | 0.09% | — |
| IBIT | BlackRock Fund Advisors | $43.8M | 1,140,586 | 0.08% | — |
| GCOR | Goldman Sachs | $43.6M | 1,055,908 | 0.08% | — |
| DSI | iShares | $42.4M | 349,749 | 0.08% | — |
| GTIP | Goldman Sachs | $42.3M | 856,115 | 0.08% | — |
| QQQ | Invesco | $38.5M | 66,639 | 0.07% | — |
| SUSA | iShares | $37.0M | 279,709 | 0.07% | — |
| SHYG | iShares | $36.9M | 873,283 | 0.07% | — |
| SUSC | ISHARES | $36.9M | 1,593,341 | 0.07% | — |
| VIG | VANGUARD SPECIALIZED PORTFOL | $34.2M | 159,055 | 0.06% | — |
| VXUS | VANGUARD STAR FD | $33.6M | 435,435 | 0.06% | — |
| DFEM | Dimensional Fund Advisors LP | $32.0M | 925,468 | 0.06% | — |
| BINC | BlackRock Fund Advisors | $31.3M | 603,679 | 0.06% | — |
| DFAI | Dimensional Fund Advisors | $29.5M | 757,158 | 0.06% | — |
| DFLV | Dimensional Fund Advisors LP | $29.0M | 811,170 | 0.05% | — |
| GEMD | Goldman Sachs Asset Management LP | $26.2M | 632,727 | 0.05% | — |
| EEMX | SPDR State Street Global Advisors | $25.9M | 585,684 | 0.05% | — |
| BNDW | Vanguard Total World Bond ETF | $25.4M | 371,918 | 0.05% | — |
| GIGB | Goldman Sachs | $25.3M | 552,525 | 0.05% | — |
| DFAU | Dimensional Fund Advisors | $25.2M | 558,284 | 0.05% | — |
| DCOR | Dimensional Fund Advisors LP | $24.7M | 343,122 | 0.05% | — |
| JUST | GOLDMAN SACHS ETF TR | $24.6M | 266,343 | 0.05% | — |
| BIV | VANGUARD BD INDEX FD INC | $23.9M | 309,950 | 0.05% | — |
| VOT | Vanguard | $23.3M | 90,629 | 0.04% | — |
| DFAT | Dimensional | $22.9M | 366,700 | 0.04% | — |
| COMB | GraniteShares | $20.7M | 787,955 | 0.04% | — |
| TFLO | iShares | $20.6M | 406,901 | 0.04% | — |
| SGOV | Western Asset Management Co | $20.5M | 204,114 | 0.04% | — |
| SUB | iShares | $19.9M | 186,835 | 0.04% | — |
| AVUV | Avantis | $19.8M | 179,055 | 0.04% | — |
| QUAL | iShares | $19.8M | 103,071 | 0.04% | — |
| USDX | Summit Global Investments LLC | $19.3M | 753,162 | 0.04% | — |
| VGLT | VANGUARD BD INDEX FD INC | $19.1M | 345,273 | 0.04% | — |
| USIG | ISHARES TR | $18.5M | 361,816 | 0.04% | — |
| CLOA | BlackRock Fund Advisors | $18.1M | 348,450 | 0.03% | — |
| QLTA | iShares | $17.9M | 377,172 | 0.03% | — |
| SCHH | SCHWAB STRATEGIC TR | $17.1M | 795,744 | 0.03% | — |
| HYDB | ISHARES TR | $17.0M | 364,714 | 0.03% | — |
| IEF | ISHARES TR | $16.0M | 167,998 | 0.03% | — |
| DFSV | Dimensional Fund Advisors LP | $15.7M | 447,734 | 0.03% | — |
| LQD | ISHARES TR | $15.6M | 143,165 | 0.03% | — |
| IGSB | ISHARES TR | $15.2M | 288,580 | 0.03% | — |
| DISV | Dimensional Fund Advisors LP | $14.8M | 375,997 | 0.03% | — |
| VMBS | VANGUARD BD INDEX FD INC | $14.7M | 312,731 | 0.03% | — |
| SHM | SPDR State Street Global Advisors | $14.7M | 306,333 | 0.03% | — |
| IGLB | ISHARES TR | $14.4M | 290,830 | 0.03% | — |
| SPY | SPDR S&P 500 ETF TR | $14.4M | 22,080 | 0.03% | — |
| BLV | VANGUARD BD INDEX FD INC | $14.3M | 208,305 | 0.03% | — |
| CMF | ISHARES TR | $13.8M | 242,057 | 0.03% | — |
| VPLS | VANGUARD MALVERN FDS | $13.7M | 176,641 | 0.03% | — |
| DFUS | Dimensional | $13.6M | 192,349 | 0.03% | — |
| VOOG | VANGUARD INDEX FDS | $13.6M | 33,395 | 0.03% | — |
| IEUR | iShares | $13.5M | 192,049 | 0.03% | — |
| DFAX | Dimensional Fund Advisors LP | $12.7M | 373,555 | 0.02% | — |
| GMOM | CAMBRIA ETF TR | $12.0M | 334,505 | 0.02% | — |
| VNQI | VANGUARD INTL EQUITY INDEX F | $11.5M | 258,210 | 0.02% | — |
| CGBL | CAPITAL GROUP CORE BALANCED | $11.4M | 330,158 | 0.02% | — |
| SCHG | SCHWAB STRATEGIC TR | $11.1M | 379,938 | 0.02% | — |
| HYLB | XTRACKERS | $11.1M | 305,944 | 0.02% | — |
| DFSD | Dimensional Fund Advisors LP | $11.0M | 230,307 | 0.02% | — |
| DFSU | Dimensional Fund Advisors LP | $10.8M | 261,727 | 0.02% | — |
| VIGI | Vanguard | $10.7M | 120,831 | 0.02% | — |
| DFAE | Dimensional Fund Advisors | $10.3M | 305,674 | 0.02% | — |
| VOOV | VANGUARD INDEX FDS | $10.3M | 50,647 | 0.02% | — |
| ETHA | BlackRock Fund Advisors | $10.3M | 650,113 | 0.02% | — |
| TLT | ISHARES TR | $10.0M | 115,065 | 0.02% | — |
| IUSB | iShares | $9.6M | 208,442 | 0.02% | — |
| DGCB | Dimensional Fund Advisors LP | $9.6M | 176,554 | 0.02% | — |
| JQUA | J P MORGAN EXCHANGE TRADED | $9.2M | 149,776 | 0.02% | — |
| AAPL | N/A | $9.1M | 35,918 | 0.02% | — |
| DFAR | Dimensional Fund Advisors LP | $9.0M | 381,693 | 0.02% | — |
| AVDV | AVANTIS INTL | $8.9M | 89,148 | 0.02% | — |
| SHY | ISHARES TR | $8.9M | 107,647 | 0.02% | — |
| XT | iShares | $8.7M | 127,167 | 0.02% | — |
| NYF | ISHARES TR | $8.6M | 161,323 | 0.02% | — |
| DFGP | Dimensional Fund Advisors LP | $8.4M | 156,211 | 0.02% | — |
| SCHD | SCHWAB STRATEGIC TR | $8.3M | 271,180 | 0.02% | — |
| DFEV | Dimensional Fund Advisors LP | $8.3M | 231,195 | 0.02% | — |
| DUHP | Dimensional Fund Advisors LP | $8.2M | 224,358 | 0.02% | — |
This table is the 150 largest positions by value, out of 615 reported. The search box only searches what is on this page — a name absent from it may still be in the filing further down the book. The full info table is here.
Rows are aggregated by CUSIP — a manager files the same security multiple times when different internal desks hold it. Tickers link to our own backtest of that asset where we cover it.
Read the original
This page was built from one document: the 2026-03-31 Form 13F info table filed by Betterment LLC (CIK 1633901, accession 0001633901-26-000003). Every other 13F site is reading the same file.
One quirk worth naming: this manager still reports position values in thousands, although Form 13F has required whole dollars since 2023. We detect that by comparing this filing’s implied price per share against what every other manager holding the same securities reported for them this quarter — and multiply by 1,000. Figures on this page are therefore 1,000x the numbers you will read in the document itself.
If anything here disagrees with it, the filing wins — and we would want to know. All 13F filings by this manager
What a 13F cannot show you
A 13F is a long-only equity snapshot, and the holes in it are structural. Anyone selling you this data as "what the smart money is doing" is selling you one leg of a position:
- No short positions. None, ever. A fund shown here as bullish may be net short the same name through a book you cannot see.
- No cash, bonds, FX, commodities or non-US listings. A macro fund's entire thesis can be invisible.
- No intra-quarter round trips. Bought and sold inside the same quarter means it never appears at all.
- Options are notional, not ownership. We keep puts and calls in a separate bucket rather than adding their notional into a fund's book size, which is how a $2B fund gets reported as a $20B one.
- Confidential treatment. Managers can ask the SEC to withhold a position while they build it. Those holdings are legally absent from the filing, so a "new" position may be months old.
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