Filed: 2/14/2025ACC: 0001633901-25-000004
📋 What this filing means
BETTERMENT LLC filed this quarterly 13F‑HR report disclosing 444 equity positions with a total reported market value of $41.95M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
444
Positions
$41.95M
Total AUM (reported)
597.07M
Total Shares
Allocation by class
TOTAL STK MKT$7.82M18.6%
VAN FTSE DEV MKT$6.57M15.7%
PORTFOLIO S&P500$3.65M8.7%
FTSE EMR MKT ETF$2.63M6.3%
NATIONAL MUN ETF$1.95M4.6%
CORE US AGGBD ET$1.93M4.6%
CORE S&P TTL STK$1.52M3.6%
Portfolio Concentration
Top 3$18.04M43.0%
4–10$10.95M26.1%
11–25$7.94M18.9%
Rest$5.01M12.0%
Top 3 weight
43.0%
Top 10 weight
69.1%
Voting Authority Distribution
Total shares with voting rights: 41.95M
Sole
Full voting authority
41.95M
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)
Sole444
Shared0
Other0
Dominant voting typeSole · 100.0% of voting shares
Institutional Holdings444
Rows:
VANGUARD INDEX FDS
SOLEShares26.97M
TypeSH
Market value$7.82M
18.63%
Sole
7.82M
Shared
0.00
None
0.00
VANGUARD TAX MANAGED INTL FD
SOLEShares137.49M
TypeSH
Market value$6.57M
15.67%
Sole
6.57M
Shared
0.00
None
0.00
SPDR State Street Global Advisors
SOLEShares52.91M
TypeSH
Market value$3.65M
8.70%
Sole
3.65M
Shared
0.00
None
0.00
VANGUARD INTL EQUITY INDEX F
SOLEShares59.80M
TypeSH
Market value$2.63M
6.28%
Sole
2.63M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares18.26M
TypeSH
Market value$1.95M
4.64%
Sole
1.95M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares19.89M
TypeSH
Market value$1.93M
4.60%
Sole
1.93M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares11.80M
TypeSH
Market value$1.52M
3.62%
Sole
1.52M
Shared
0.00
None
0.00
VANGUARD CHARLOTTE FDS
SOLEShares20.94M
TypeSH
Market value$1.03M
2.45%
Sole
1.03M
Shared
0.00
None
0.00
SPDR State Street Global Advisors
SOLEShares17.93M
TypeSH
Market value$980.8K
2.34%
Sole
980.75K
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares5.45M
TypeSH
Market value$922.5K
2.20%
Sole
922.46K
Shared
0.00
None
0.00
ISHARES TR
SOLEShares9.03M
TypeSH
Market value$804.4K
1.92%
Sole
804.39K
Shared
0.00
None
0.00
ISHARES TR
SOLEShares11.37M
TypeSH
Market value$798.8K
1.90%
Sole
798.84K
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares4.51M
TypeSH
Market value$729.4K
1.74%
Sole
729.44K
Shared
0.00
None
0.00
SPDR State Street Global Advisors
SOLEShares16.16M
TypeSH
Market value$726.1K
1.73%
Sole
726.07K
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares3.55M
TypeSH
Market value$702.9K
1.68%
Sole
702.90K
Shared
0.00
None
0.00
Goldman Sachs
SOLEShares5.35M
TypeSH
Market value$615.8K
1.47%
Sole
615.77K
Shared
0.00
None
0.00
Goldman Sachs
SOLEShares5.63M
TypeSH
Market value$562.3K
1.34%
Sole
562.35K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares24.55M
TypeSH
Market value$454.2K
1.08%
Sole
454.18K
Shared
0.00
None
0.00
iShares
SOLEShares3.28M
TypeSH
Market value$422.2K
1.01%
Sole
422.18K
Shared
0.00
None
0.00
ISHARES INC
SOLEShares8.01M
TypeSH
Market value$418.1K
1.00%
Sole
418.12K
Shared
0.00
None
0.00
iShares
SOLEShares4.05M
TypeSH
Market value$407.5K
0.97%
Sole
407.48K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares17.77M
TypeSH
Market value$403.5K
0.96%
Sole
403.46K
Shared
0.00
None
0.00
SPDR SERIES TRUST
SOLEShares7.09M
TypeSH
Market value$323.4K
0.77%
Sole
323.35K
Shared
0.00
None
0.00
JP Morgan
SOLEShares6.22M
TypeSH
Market value$313.1K
0.75%
Sole
313.10K
Shared
0.00
None
0.00
iShares
SOLEShares3.40M
TypeSH
Market value$259.2K
0.62%
Sole
259.17K
Shared
0.00
None
0.00
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
VANGUARD INDEX FDSSOLE | TOTAL STK MKT | 26.97M | SH | $7.82M 18.63% | 7.82M | 0.00 | 0.00 |
VANGUARD TAX MANAGED INTL FDSOLE | VAN FTSE DEV MKT | 137.49M | SH | $6.57M 15.67% | 6.57M | 0.00 | 0.00 |
SPDR State Street Global AdvisorsSOLE | PORTFOLIO S&P500 | 52.91M | SH | $3.65M 8.70% | 3.65M | 0.00 | 0.00 |
VANGUARD INTL EQUITY INDEX FSOLE | FTSE EMR MKT ETF | 59.80M | SH | $2.63M 6.28% | 2.63M | 0.00 | 0.00 |
ISHARES TRSOLE | NATIONAL MUN ETF | 18.26M | SH | $1.95M 4.64% | 1.95M | 0.00 | 0.00 |
ISHARES TRSOLE | CORE US AGGBD ET | 19.89M | SH | $1.93M 4.60% | 1.93M | 0.00 | 0.00 |
ISHARES TRSOLE | CORE S&P TTL STK | 11.80M | SH | $1.52M 3.62% | 1.52M | 0.00 | 0.00 |
VANGUARD CHARLOTTE FDSSOLE | TOTAL INT BD ETF | 20.94M | SH | $1.03M 2.45% | 1.03M | 0.00 | 0.00 |
SPDR State Street Global AdvisorsSOLE | PORTFOLIO S&P400 | 17.93M | SH | $980.8K 2.34% | 980.75K | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | VALUE ETF | 5.45M | SH | $922.5K 2.20% | 922.46K | 0.00 | 0.00 |
ISHARES TRSOLE | JPMORGAN USD EMG | 9.03M | SH | $804.4K 1.92% | 804.39K | 0.00 | 0.00 |
ISHARES TRSOLE | CORE MSCI EAFE | 11.37M | SH | $798.8K 1.90% | 798.84K | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | MCAP VL IDXVIP | 4.51M | SH | $729.4K 1.74% | 729.44K | 0.00 | 0.00 |
SPDR State Street Global AdvisorsSOLE | PORTFOLIO S&P600 | 16.16M | SH | $726.1K 1.73% | 726.07K | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | SM CP VAL ETF | 3.55M | SH | $702.9K 1.68% | 702.90K | 0.00 | 0.00 |
Goldman SachsSOLE | ACTIVEBETA US LG | 5.35M | SH | $615.8K 1.47% | 615.77K | 0.00 | 0.00 |
Goldman SachsSOLE | ACCES TREASURY | 5.63M | SH | $562.3K 1.34% | 562.35K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | INTL EQTY ETF | 24.55M | SH | $454.2K 1.08% | 454.18K | 0.00 | 0.00 |
iSharesSOLE | ESG AWR MSCI USA | 3.28M | SH | $422.2K 1.01% | 422.18K | 0.00 | 0.00 |
ISHARES INCSOLE | CORE MSCI EMKT | 8.01M | SH | $418.1K 1.00% | 418.12K | 0.00 | 0.00 |
iSharesSOLE | 0-5 YR TIPS ETF | 4.05M | SH | $407.5K 0.97% | 407.48K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | US BRD MKT ETF | 17.77M | SH | $403.5K 0.96% | 403.46K | 0.00 | 0.00 |
SPDR SERIES TRUSTSOLE | NUVEEN BLMBRG MU | 7.09M | SH | $323.4K 0.77% | 323.35K | 0.00 | 0.00 |
JP MorganSOLE | ULTRA SHRT ETF | 6.22M | SH | $313.1K 0.75% | 313.10K | 0.00 | 0.00 |
iSharesSOLE | ESG AW MSCI EAFE | 3.40M | SH | $259.2K 0.62% | 259.17K | 0.00 | 0.00 |
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