Betterment LLC

RIA/Wealth

Betterment LLC is a RIA/Wealth based in New York, NY led by Sarah Kirshbaum Levy, reporting $56.4B in AUM as of Q3 2025 with 100% ETF concentration, 73% concentrated in top 10 holdings, 18% allocation to VTI, and minimal technology exposure.

CEOSarah Kirshbaum Levy

Portfolio Value: $47.3B
Positions: 452
Top Holding: VTI at 17.89%
Last Reported: Q3 2025

Address450 West 33rd Street, Floor 11, New York, NY, 10001, United States

Top Holdings

Largest long holdings in Betterment LLC's portfolio (73.2% of total portfolio)

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GthenH

Holding	Sector	Market Value	Weight	Ownership	Owned Since
1 Vanguard Total Stock Market VTI	ETF ETF	$8.5B	17.89%	— 25.8M shares	Q4 2014 Held for 10y 11m
2 Vanguard FTSE Developed Markets VEA	ETF ETF	$8.2B	17.41%	— 137.4M shares	Q4 2014 Held for 10y 11m
3 SPDR Portfolio S&P 500 ETF SPLG	ETF ETF	$6.2B	13.01%	— 78.5M shares	Q4 2021 Held for 3y 11m
4 Vanguard FTSE Emerging Markets VWO	ETF ETF	$2.8B	6.01%	— 52.5M shares	Q4 2014 Held for 10y 11m
5 iShares Core U.S. Aggregate Bond AGG	ETF ETF	$2.5B	5.21%	— 24.6M shares	Q2 2017 Held for 8y 5m
6 iShares National Muni Bond MUB	ETF ETF	$1.8B	3.91%	— 17.3M shares	Q4 2014 Held for 10y 11m
7 iShares Core S&P Total U.S. Stock Market ITOT	ETF ETF	$1.6B	3.37%	— 10.9M shares	Q4 2014 Held for 10y 11m
8 SPDR Portfolio S&P 400 Mid Cap ETF SPMD	ETF ETF	$1.2B	2.43%	— 20.1M shares	Q1 2024 Held for 1y 8m
9 Vanguard Value VTV	ETF ETF	$947.4M	2.00%	— 5.1M shares	Q4 2014 Held for 10y 11m
10 Vanguard Total International Bond BNDX	ETF ETF	$908.1M	1.92%	— 18.4M shares	Q4 2014 Held for 10y 11m

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GthenH

Changes

Portfolio activity, position movements, and quarter-over-quarter changes in Betterment LLC's latest filing

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GthenC

Market Value

$47.3B

Prior: $44.2B

Q/Q Change

+7.08%

+$3.1B

Net Flows % of MV

+1.03%

Turnover Ratio

2.11%

New Purchases

19 stocks

$7.6M

Added To

248 stocks

+$1.2B

Sold Out Of

9 stocks

$2.1M

Reduced Holdings

177 stocks

-$753.0M

Increased Positions

Position	Shares Δ	Change
1 First Trust High Income Strategic Focus HISF	New	0 → 42.4K +$1.9M
2 SPDR Dow Jones Industrial Average ETF Trust DIA	New	0 → 1.9K +$886.2K
3 Timothy Plan International TPIF	New	0 → 16.3K +$545.3K
4 Timothy Plan US Small Cap Core TPSC	New	0 → 10.8K +$450.9K
5 iShares Core MSCI Pacific ETF IPAC	New	0 → 4.9K +$362.6K

Decreased Positions

Position	Shares Δ	Change
1 iShares MSCI ACWI ACWI	Sold	2.6K → 0 −$332.3K
2 LMBS First Trust Low Duration Opportunities LMBS	Sold	6.7K → 0 −$328.8K
3 Pacer US Small Cap Cash Cows 100 CALF	Sold	7.6K → 0 −$302.2K
4 CrowdStrike Holdings, Inc. CRWD	Sold	558.0 → 0 −$284.2K
5 Cisco Systems, Inc. CSCO	Sold	4.1K → 0 −$284.0K