Filed: 8/7/2023ACC: 0001633901-23-000004
📋 What this filing means
BETTERMENT LLC filed this quarterly 13F‑HR report disclosing 281 equity positions with a total reported market value of $32.27M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
281
Positions
$32.27M
Total AUM (reported)
444.94M
Total Shares
Allocation by class
TOTAL STK MKT$6.51M20.2%
VAN FTSE DEV MKT$4.86M15.1%
FTSE EMR MKT ETF$3.05M9.5%
TOTAL INT BD ETF$1.78M5.5%
VALUE ETF$1.77M5.5%
MCAP VL IDXVIP$1.45M4.5%
CORE S&P TTL STK$1.31M4.1%
Portfolio Concentration
Top 3$14.43M44.7%
4–10$9.54M29.6%
11–25$5.89M18.3%
Rest$2.41M7.5%
Top 3 weight
44.7%
Top 10 weight
74.3%
Voting Authority Distribution
Total shares with voting rights: 444.94M
Sole
Full voting authority
444.94M
shares
% of voting shares100.0%
Shared
Joint voting authority
0.00
shares
% of voting shares0.0%
None
No voting authority
0.00
shares
% of voting shares0.0%
Investment Discretion (by position count)
Sole281
Shared0
Other0
Dominant voting typeSole · 100.0% of voting shares
Institutional Holdings281
Rows:
VANGUARD INDEX FDS
SOLEShares29.56M
TypeSH
Market value$6.51M
20.18%
Sole
29.56M
Shared
0.00
None
0.00
VANGUARD TAX MANAGED INTL FD
SOLEShares105.29M
TypeSH
Market value$4.86M
15.07%
Sole
105.29M
Shared
0.00
None
0.00
VANGUARD INTL EQUITY INDEX F
SOLEShares75.10M
TypeSH
Market value$3.05M
9.47%
Sole
75.10M
Shared
0.00
None
0.00
VANGUARD CHARLOTTE FDS
SOLEShares36.44M
TypeSH
Market value$1.78M
5.52%
Sole
36.44M
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares12.49M
TypeSH
Market value$1.77M
5.50%
Sole
12.49M
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares10.46M
TypeSH
Market value$1.45M
4.49%
Sole
10.46M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares13.40M
TypeSH
Market value$1.31M
4.06%
Sole
13.40M
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares7.92M
TypeSH
Market value$1.31M
4.06%
Sole
7.92M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares9.84M
TypeSH
Market value$1.05M
3.26%
Sole
9.84M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares10.01M
TypeSH
Market value$866.0K
2.68%
Sole
10.01M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares8.72M
TypeSH
Market value$854.5K
2.65%
Sole
8.72M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares12.15M
TypeSH
Market value$819.9K
2.54%
Sole
12.15M
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares15.10M
TypeSH
Market value$538.4K
1.67%
Sole
15.10M
Shared
0.00
None
0.00
Goldman Sachs
SOLEShares5.12M
TypeSH
Market value$512.8K
1.59%
Sole
5.12M
Shared
0.00
None
0.00
ISHARES INC
SOLEShares10.09M
TypeSH
Market value$497.2K
1.54%
Sole
10.09M
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares6.90M
TypeSH
Market value$356.7K
1.11%
Sole
6.90M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares2.75M
TypeSH
Market value$303.2K
0.94%
Sole
2.75M
Shared
0.00
None
0.00
VANGUARD MALVERN FDS
SOLEShares6.30M
TypeSH
Market value$298.8K
0.93%
Sole
6.30M
Shared
0.00
None
0.00
Goldman Sachs
SOLEShares3.29M
TypeSH
Market value$287.3K
0.89%
Sole
3.29M
Shared
0.00
None
0.00
SPDR SERIES TRUST
SOLEShares5.86M
TypeSH
Market value$270.6K
0.84%
Sole
5.86M
Shared
0.00
None
0.00
iShares
SOLEShares3.64M
TypeSH
Market value$265.5K
0.82%
Sole
3.64M
Shared
0.00
None
0.00
iShares
SOLEShares2.57M
TypeSH
Market value$250.7K
0.78%
Sole
2.57M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares2.18M
TypeSH
Market value$239.6K
0.74%
Sole
2.18M
Shared
0.00
None
0.00
iShares
SOLEShares2.14M
TypeSH
Market value$208.4K
0.65%
Sole
2.14M
Shared
0.00
None
0.00
iShares
SOLEShares1.22M
TypeSH
Market value$191.1K
0.59%
Sole
1.22M
Shared
0.00
None
0.00
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
VANGUARD INDEX FDSSOLE | TOTAL STK MKT | 29.56M | SH | $6.51M 20.18% | 29.56M | 0.00 | 0.00 |
VANGUARD TAX MANAGED INTL FDSOLE | VAN FTSE DEV MKT | 105.29M | SH | $4.86M 15.07% | 105.29M | 0.00 | 0.00 |
VANGUARD INTL EQUITY INDEX FSOLE | FTSE EMR MKT ETF | 75.10M | SH | $3.05M 9.47% | 75.10M | 0.00 | 0.00 |
VANGUARD CHARLOTTE FDSSOLE | TOTAL INT BD ETF | 36.44M | SH | $1.78M 5.52% | 36.44M | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | VALUE ETF | 12.49M | SH | $1.77M 5.50% | 12.49M | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | MCAP VL IDXVIP | 10.46M | SH | $1.45M 4.49% | 10.46M | 0.00 | 0.00 |
ISHARES TRSOLE | CORE S&P TTL STK | 13.40M | SH | $1.31M 4.06% | 13.40M | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | SM CP VAL ETF | 7.92M | SH | $1.31M 4.06% | 7.92M | 0.00 | 0.00 |
ISHARES TRSOLE | NATIONAL MUN ETF | 9.84M | SH | $1.05M 3.26% | 9.84M | 0.00 | 0.00 |
ISHARES TRSOLE | JPMORGAN USD EMG | 10.01M | SH | $866.0K 2.68% | 10.01M | 0.00 | 0.00 |
ISHARES TRSOLE | CORE US AGGBD ET | 8.72M | SH | $854.5K 2.65% | 8.72M | 0.00 | 0.00 |
ISHARES TRSOLE | CORE MSCI EAFE | 12.15M | SH | $819.9K 2.54% | 12.15M | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | INTL EQTY ETF | 15.10M | SH | $538.4K 1.67% | 15.10M | 0.00 | 0.00 |
Goldman SachsSOLE | ACCES TREASURY | 5.12M | SH | $512.8K 1.59% | 5.12M | 0.00 | 0.00 |
ISHARES INCSOLE | CORE MSCI EMKT | 10.09M | SH | $497.2K 1.54% | 10.09M | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | US BRD MKT ETF | 6.90M | SH | $356.7K 1.11% | 6.90M | 0.00 | 0.00 |
ISHARES TRSOLE | SHORT TREAS BD | 2.75M | SH | $303.2K 0.94% | 2.75M | 0.00 | 0.00 |
VANGUARD MALVERN FDSSOLE | STRM INFPROIDX | 6.30M | SH | $298.8K 0.93% | 6.30M | 0.00 | 0.00 |
Goldman SachsSOLE | ACTIVEBETA US LG | 3.29M | SH | $287.3K 0.89% | 3.29M | 0.00 | 0.00 |
SPDR SERIES TRUSTSOLE | NUVEEN BLMBRG MU | 5.86M | SH | $270.6K 0.84% | 5.86M | 0.00 | 0.00 |
iSharesSOLE | ESG AW MSCI EAFE | 3.64M | SH | $265.5K 0.82% | 3.64M | 0.00 | 0.00 |
iSharesSOLE | ESG AWR MSCI USA | 2.57M | SH | $250.7K 0.78% | 2.57M | 0.00 | 0.00 |
ISHARES TRSOLE | RUS MDCP VAL ETF | 2.18M | SH | $239.6K 0.74% | 2.18M | 0.00 | 0.00 |
iSharesSOLE | 0-5 YR TIPS ETF | 2.14M | SH | $208.4K 0.65% | 2.14M | 0.00 | 0.00 |
iSharesSOLE | MSCI LW CRB TG | 1.22M | SH | $191.1K 0.59% | 1.22M | 0.00 | 0.00 |
Page 1 of 12
…