Filed: 5/15/2025ACC: 0001633901-25-000006
📋 What this filing means
BETTERMENT LLC filed this quarterly 13F‑HR report disclosing 458 equity positions with a total reported market value of $42.15M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
458
Positions
$42.15M
Total AUM (reported)
611.42M
Total Shares
Allocation by class
TOTAL STK MKT$7.17M17.0%
VAN FTSE DEV MKT$6.81M16.2%
PORTFOLIO S&P500$4.27M10.1%
FTSE EMR MKT ETF$2.53M6.0%
CORE US AGGBD ET$2.16M5.1%
NATIONAL MUN ETF$1.94M4.6%
CORE S&P TTL STK$1.41M3.3%
Portfolio Concentration
Top 3$18.25M43.3%
4–10$10.75M25.5%
11–25$7.87M18.7%
Rest$5.28M12.5%
Top 3 weight
43.3%
Top 10 weight
68.8%
Voting Authority Distribution
Total shares with voting rights: 42.15M
Sole
Full voting authority
42.15M
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)
Sole458
Shared0
Other0
Dominant voting typeSole · 100.0% of voting shares
Institutional Holdings458
Rows:
VANGUARD INDEX FDS
SOLEShares26.09M
TypeSH
Market value$7.17M
17.01%
Sole
7.17M
Shared
0.00
None
0.00
VANGUARD TAX MANAGED INTL FD
SOLEShares133.98M
TypeSH
Market value$6.81M
16.16%
Sole
6.81M
Shared
0.00
None
0.00
SPDR State Street Global Advisors
SOLEShares64.90M
TypeSH
Market value$4.27M
10.12%
Sole
4.27M
Shared
0.00
None
0.00
VANGUARD INTL EQUITY INDEX F
SOLEShares55.81M
TypeSH
Market value$2.53M
5.99%
Sole
2.53M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares21.88M
TypeSH
Market value$2.16M
5.13%
Sole
2.16M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares18.41M
TypeSH
Market value$1.94M
4.60%
Sole
1.94M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares11.54M
TypeSH
Market value$1.41M
3.34%
Sole
1.41M
Shared
0.00
None
0.00
SPDR State Street Global Advisors
SOLEShares17.88M
TypeSH
Market value$915.3K
2.17%
Sole
915.31K
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares5.23M
TypeSH
Market value$902.6K
2.14%
Sole
902.65K
Shared
0.00
None
0.00
VANGUARD CHARLOTTE FDS
SOLEShares18.36M
TypeSH
Market value$896.4K
2.13%
Sole
896.39K
Shared
0.00
None
0.00
ISHARES TR
SOLEShares10.67M
TypeSH
Market value$807.4K
1.92%
Sole
807.38K
Shared
0.00
None
0.00
ISHARES TR
SOLEShares7.98M
TypeSH
Market value$722.6K
1.71%
Sole
722.64K
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares4.29M
TypeSH
Market value$689.0K
1.63%
Sole
689.02K
Shared
0.00
None
0.00
SPDR State Street Global Advisors
SOLEShares16.13M
TypeSH
Market value$657.5K
1.56%
Sole
657.52K
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares3.35M
TypeSH
Market value$624.6K
1.48%
Sole
624.64K
Shared
0.00
None
0.00
Goldman Sachs
SOLEShares5.31M
TypeSH
Market value$584.1K
1.39%
Sole
584.07K
Shared
0.00
None
0.00
Goldman Sachs
SOLEShares5.64M
TypeSH
Market value$565.2K
1.34%
Sole
565.20K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares23.60M
TypeSH
Market value$466.7K
1.11%
Sole
466.72K
Shared
0.00
None
0.00
JP Morgan
SOLEShares9.19M
TypeSH
Market value$465.1K
1.10%
Sole
465.07K
Shared
0.00
None
0.00
iShares
SOLEShares3.41M
TypeSH
Market value$416.2K
0.99%
Sole
416.24K
Shared
0.00
None
0.00
SPDR SERIES TRUST
SOLEShares9.18M
TypeSH
Market value$413.8K
0.98%
Sole
413.83K
Shared
0.00
None
0.00
ISHARES INC
SOLEShares7.47M
TypeSH
Market value$403.0K
0.96%
Sole
403.01K
Shared
0.00
None
0.00
iShares
SOLEShares3.82M
TypeSH
Market value$395.5K
0.94%
Sole
395.48K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares17.25M
TypeSH
Market value$371.5K
0.88%
Sole
371.48K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares13.23M
TypeSH
Market value$292.0K
0.69%
Sole
292.01K
Shared
0.00
None
0.00
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
VANGUARD INDEX FDSSOLE | TOTAL STK MKT | 26.09M | SH | $7.17M 17.01% | 7.17M | 0.00 | 0.00 |
VANGUARD TAX MANAGED INTL FDSOLE | VAN FTSE DEV MKT | 133.98M | SH | $6.81M 16.16% | 6.81M | 0.00 | 0.00 |
SPDR State Street Global AdvisorsSOLE | PORTFOLIO S&P500 | 64.90M | SH | $4.27M 10.12% | 4.27M | 0.00 | 0.00 |
VANGUARD INTL EQUITY INDEX FSOLE | FTSE EMR MKT ETF | 55.81M | SH | $2.53M 5.99% | 2.53M | 0.00 | 0.00 |
ISHARES TRSOLE | CORE US AGGBD ET | 21.88M | SH | $2.16M 5.13% | 2.16M | 0.00 | 0.00 |
ISHARES TRSOLE | NATIONAL MUN ETF | 18.41M | SH | $1.94M 4.60% | 1.94M | 0.00 | 0.00 |
ISHARES TRSOLE | CORE S&P TTL STK | 11.54M | SH | $1.41M 3.34% | 1.41M | 0.00 | 0.00 |
SPDR State Street Global AdvisorsSOLE | PORTFOLIO S&P400 | 17.88M | SH | $915.3K 2.17% | 915.31K | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | VALUE ETF | 5.23M | SH | $902.6K 2.14% | 902.65K | 0.00 | 0.00 |
VANGUARD CHARLOTTE FDSSOLE | TOTAL INT BD ETF | 18.36M | SH | $896.4K 2.13% | 896.39K | 0.00 | 0.00 |
ISHARES TRSOLE | CORE MSCI EAFE | 10.67M | SH | $807.4K 1.92% | 807.38K | 0.00 | 0.00 |
ISHARES TRSOLE | JPMORGAN USD EMG | 7.98M | SH | $722.6K 1.71% | 722.64K | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | MCAP VL IDXVIP | 4.29M | SH | $689.0K 1.63% | 689.02K | 0.00 | 0.00 |
SPDR State Street Global AdvisorsSOLE | PORTFOLIO S&P600 | 16.13M | SH | $657.5K 1.56% | 657.52K | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | SM CP VAL ETF | 3.35M | SH | $624.6K 1.48% | 624.64K | 0.00 | 0.00 |
Goldman SachsSOLE | ACTIVEBETA US LG | 5.31M | SH | $584.1K 1.39% | 584.07K | 0.00 | 0.00 |
Goldman SachsSOLE | ACCES TREASURY | 5.64M | SH | $565.2K 1.34% | 565.20K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | INTL EQTY ETF | 23.60M | SH | $466.7K 1.11% | 466.72K | 0.00 | 0.00 |
JP MorganSOLE | ULTRA SHRT ETF | 9.19M | SH | $465.1K 1.10% | 465.07K | 0.00 | 0.00 |
iSharesSOLE | ESG AWR MSCI USA | 3.41M | SH | $416.2K 0.99% | 416.24K | 0.00 | 0.00 |
SPDR SERIES TRUSTSOLE | NUVEEN BLMBRG MU | 9.18M | SH | $413.8K 0.98% | 413.83K | 0.00 | 0.00 |
ISHARES INCSOLE | CORE MSCI EMKT | 7.47M | SH | $403.0K 0.96% | 403.01K | 0.00 | 0.00 |
iSharesSOLE | 0-5 YR TIPS ETF | 3.82M | SH | $395.5K 0.94% | 395.48K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | US BRD MKT ETF | 17.25M | SH | $371.5K 0.88% | 371.48K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | US LRG CAP ETF | 13.23M | SH | $292.0K 0.69% | 292.01K | 0.00 | 0.00 |
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