Betterment LLC Q4 2025 Filing
Filed February 12, 2026
Portfolio Value
$52.5B
Holdings
551
Report Date
Q4 2025
Filing Type
13F-HR
All Holdings (551 positions)
| # | Stock | Shares | Value | % Portfolio | Type |
|---|---|---|---|---|---|
| 1 | VEAVANGUARD TAX MANAGED INTL FD | 138,588,366 | $8.7B | 16.49% | |
| 2 | VTIVANGUARD INDEX FDS | 25,171,575 | $8.4B | 16.08% | |
| 3 | SPYMSPDR State Street Global Advisors | 83,585,842 | $6.7B | 12.77% | |
| 4 | VWOVANGUARD INTL EQUITY INDEX F | 53,732,807 | $2.9B | 5.50% | |
| 5 | AGGISHARES TR | 26,255,484 | $2.6B | 5.00% | |
| 6 | MUBISHARES TR | 18,990,218 | $2.0B | 3.88% | |
| 7 | ITOTISHARES TR | 10,680,855 | $1.6B | 3.03% | |
| 8 | SPMDSPDR State Street Global Advisors | 21,151,161 | $1.2B | 2.33% | |
| 9 | VTVVANGUARD INDEX FDS | 4,973,990 | $950.0M | 1.81% | |
| 10 | BNDXVANGUARD CHARLOTTE FDS | 19,558,275 | $945.1M | 1.80% | |
| 11 | SPSMSPDR State Street Global Advisors | 18,757,519 | $879.0M | 1.67% | |
| 12 | AQLTISHARES TR | 9,608,903 | $859.6M | 1.64% | |
| 13 | GSLCGoldman Sachs | 6,005,716 | $795.0M | 1.51% | |
| 14 | VOEVANGUARD INDEX FDS | 3,924,610 | $696.1M | 1.33% | |
| 15 | JPSTJP Morgan | 13,181,100 | $666.8M | 1.27% | |
| 16 | VBRVANGUARD INDEX FDS | 3,019,666 | $639.5M | 1.22% | |
| 17 | GBILGoldman Sachs | 5,862,171 | $585.9M | 1.12% | |
| 18 | ESGUiShares | 3,924,596 | $584.7M | 1.11% | |
| 19 | EMBISHARES TR | 5,954,321 | $573.3M | 1.09% | |
| 20 | TFISPDR SERIES TRUST | 12,106,265 | $553.4M | 1.05% | |
| 21 | SCHFSCHWAB STRATEGIC TR | 21,860,498 | $525.5M | 1.00% | |
| 22 | SCHXSCHWAB STRATEGIC TR | 18,148,928 | $488.4M | 0.93% | |
| 23 | STIPiShares | 4,371,869 | $447.6M | 0.85% | |
| 24 | SCHBSCHWAB STRATEGIC TR | 16,156,262 | $423.8M | 0.81% | |
| 25 | IEMGISHARES INC | 5,912,312 | $397.4M | 0.76% | |
| 26 | ESGDiShares | 3,947,005 | $375.3M | 0.72% | |
| 27 | VTEBVANGUARD BD INDEX FD INC | 6,707,905 | $337.3M | 0.64% | |
| 28 | SPDWSPDR State Street Global Advisors | 7,414,696 | $329.3M | 0.63% | |
| 29 | VWOBVANGUARD WHITEHALL FDS INC | 4,659,747 | $314.2M | 0.60% | |
| 30 | CRBNiShares | 1,303,736 | $300.6M | 0.57% | |
| 31 | IWSISHARES TR | 1,550,556 | $218.7M | 0.42% | |
| 32 | VOOVANGUARD INDEX FDS | 312,521 | $196.0M | 0.37% | |
| 33 | VUGVANGUARD INDEX FDS | 314,854 | $153.6M | 0.29% | |
| 34 | ESGEiShares | 3,254,323 | $143.7M | 0.27% | |
| 35 | GSIEGoldman Sachs | 3,095,283 | $132.9M | 0.25% | |
| 36 | SPYVSPDR State Street Global Advisors | 2,331,001 | $132.4M | 0.25% | |
| 37 | DFACDimensional | 3,271,394 | $129.5M | 0.25% | |
| 38 | BNDVANGUARD BD INDEX FD INC | 1,718,105 | $127.3M | 0.24% | |
| 39 | VOTEEngine No. 1 | 1,572,590 | $126.2M | 0.24% | |
| 40 | IWNISHARES TR | 695,877 | $126.1M | 0.24% | |
| 41 | SCHVSCHWAB STRATEGIC TR | 4,117,665 | $121.9M | 0.23% | |
| 42 | SPYXSPDR State Street Global Advisors | 1,940,078 | $109.0M | 0.21% | |
| 43 | IVVISHARES TR | 141,807 | $97.1M | 0.19% | |
| 44 | IAGGISHARES TR | 1,818,945 | $91.0M | 0.17% | |
| 45 | GEMGoldman Sachs | 2,175,132 | $90.5M | 0.17% | |
| 46 | GSEUGoldman Sachs | 1,970,229 | $90.0M | 0.17% | |
| 47 | KOMPState Street Global Advisors Inc | 1,495,878 | $89.3M | 0.17% | |
| 48 | SPEMSPDR State Street Global Advisors | 1,766,357 | $82.7M | 0.16% | |
| 49 | ESMLBlackRock Fund Advisors | 1,783,423 | $82.0M | 0.16% | |
| 50 | JMSIJP Morgan Investment Management Inc | 1,595,871 | $80.4M | 0.15% | |
| 51 | EAGGiShares | 1,648,321 | $78.9M | 0.15% | |
| 52 | IVEISHARES TR | 369,725 | $78.4M | 0.15% | |
| 53 | SHVISHARES TR | 706,145 | $77.8M | 0.15% | |
| 54 | VTIPVANGUARD MALVERN FDS | 1,555,395 | $76.9M | 0.15% | |
| 55 | VOVANGUARD INDEX FDS | 257,568 | $74.8M | 0.14% | |
| 56 | EFAXSPDR State Street Global Advisors | 1,435,553 | $72.5M | 0.14% | |
| 57 | USHYISHARES | 1,795,176 | $67.1M | 0.13% | |
| 58 | IGEBISHARES TR | 1,436,034 | $65.6M | 0.12% | |
| 59 | ESGVVANGUARD | 533,681 | $64.6M | 0.12% | |
| 60 | BGRNiShares | 1,345,583 | $64.5M | 0.12% | |
| 61 | GSSCGoldman Sachs | 792,373 | $59.9M | 0.11% | |
| 62 | IBITBlackRock Fund Advisors | 1,194,989 | $59.3M | 0.11% | |
| 63 | VBVANGUARD INDEX FDS | 229,220 | $59.1M | 0.11% | |
| 64 | FWDAllianceBernstein LP | 540,759 | $56.5M | 0.11% | |
| 65 | DFICDimensional Fund Advisors LP | 1,563,546 | $53.9M | 0.10% | |
| 66 | DFCFDimensional Fund Advisors LP | 1,179,477 | $50.2M | 0.10% | |
| 67 | GBXAGoldman Sachs | 1,069,668 | $49.8M | 0.09% | |
| 68 | BSVVANGUARD BD INDEX FD INC | 614,397 | $48.4M | 0.09% | |
| 69 | SCHASCHWAB STRATEGIC TR | 1,696,751 | $48.3M | 0.09% | |
| 70 | DSIiShares | 368,440 | $47.5M | 0.09% | |
| 71 | QQQMINVESCO EXCH TRADED FD TR | 174,080 | $44.0M | 0.08% | |
| 72 | GMUBGoldman Sachs Asset Management LP | 831,786 | $42.6M | 0.08% | |
| 73 | GCORGoldman Sachs | 1,024,281 | $42.5M | 0.08% | |
| 74 | NDQInvesco | 69,148 | $42.5M | 0.08% | |
| 75 | SUSAiShares | 287,687 | $40.1M | 0.08% | |
| 76 | SUSCISHARES | 1,602,126 | $37.5M | 0.07% | |
| 77 | GTIPGoldman Sachs | 756,947 | $37.2M | 0.07% | |
| 78 | SHYGiShares | 827,737 | $35.5M | 0.07% | |
| 79 | VIGVANGUARD SPECIALIZED PORTFOL | 159,921 | $35.1M | 0.07% | |
| 80 | VVVanguard | 107,899 | $34.0M | 0.06% | |
| 81 | DFAIDimensional Fund Advisors | 811,656 | $30.9M | 0.06% | |
| 82 | BINCBlackRock Fund Advisors | 561,524 | $29.6M | 0.06% | |
| 83 | GIGBGoldman Sachs | 638,620 | $29.5M | 0.06% | |
| 84 | DFEMDimensional Fund Advisors LP | 889,780 | $29.4M | 0.06% | |
| 85 | VXUSVANGUARD STAR FD | 382,801 | $28.9M | 0.06% | |
| 86 | DFAUDimensional Fund Advisors | 604,692 | $28.3M | 0.05% | |
| 87 | EEMXSPDR State Street Global Advisors | 603,347 | $25.7M | 0.05% | |
| 88 | GEMDGoldman Sachs Asset Management LP | 601,446 | $25.5M | 0.05% | |
| 89 | DFLVDimensional Fund Advisors LP | 740,678 | $25.3M | 0.05% | |
| 90 | DCORDimensional Fund Advisors LP | 342,376 | $25.2M | 0.05% | |
| 91 | BNDWVanguard Total World Bond ETF | 361,416 | $24.8M | 0.05% | |
| 92 | JUSTGOLDMAN SACHS ETF TR | 252,278 | $24.4M | 0.05% | |
| 93 | VOTVanguard | 86,435 | $24.1M | 0.05% | |
| 94 | BIVVANGUARD BD INDEX FD INC | 304,192 | $23.7M | 0.05% | |
| 95 | SUBiShares | 199,422 | $21.3M | 0.04% | |
| 96 | DFATDimensional | 357,340 | $21.3M | 0.04% | |
| 97 | ETHABlackRock Fund Advisors | 891,994 | $20.0M | 0.04% | |
| 98 | TFLOiShares | 391,135 | $19.7M | 0.04% | |
| 99 | USDXSummit Global Investments LLC | 745,523 | $19.1M | 0.04% | |
| 100 | VGLTVANGUARD BD INDEX FD INC | 336,442 | $18.8M | 0.04% |
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