Filed: 8/14/2025ACC: 0001633901-25-000007
📋 What this filing means
BETTERMENT LLC filed this quarterly 13F‑HR report disclosing 497 equity positions with a total reported market value of $46.96M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
497
Positions
$46.96M
Total AUM (reported)
636.13M
Total Shares
Allocation by class
TOTAL STK MKT$7.99M17.0%
VAN FTSE DEV MKT$7.64M16.3%
PORTFOLIO S&P500$5.37M11.4%
FTSE EMR MKT ETF$2.60M5.5%
CORE US AGGBD ET$2.29M4.9%
NATIONAL MUN ETF$1.94M4.1%
CORE S&P TTL STK$1.52M3.2%
Portfolio Concentration
Top 3$21.01M44.7%
4–10$11.18M23.8%
11–25$8.72M18.6%
Rest$6.05M12.9%
Top 3 weight
44.7%
Top 10 weight
68.5%
Voting Authority Distribution
Total shares with voting rights: 46.96M
Sole
Full voting authority
46.96M
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)
Sole497
Shared0
Other0
Dominant voting typeSole · 100.0% of voting shares
Institutional Holdings497
Rows:
VANGUARD INDEX FDS
SOLEShares26.30M
TypeSH
Market value$7.99M
17.02%
Sole
7.99M
Shared
0.00
None
0.00
VANGUARD TAX MANAGED INTL FD
SOLEShares134.08M
TypeSH
Market value$7.64M
16.28%
Sole
7.64M
Shared
0.00
None
0.00
SPDR State Street Global Advisors
SOLEShares73.91M
TypeSH
Market value$5.37M
11.44%
Sole
5.37M
Shared
0.00
None
0.00
VANGUARD INTL EQUITY INDEX F
SOLEShares52.57M
TypeSH
Market value$2.60M
5.54%
Sole
2.60M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares23.07M
TypeSH
Market value$2.29M
4.87%
Sole
2.29M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares18.58M
TypeSH
Market value$1.94M
4.13%
Sole
1.94M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares11.28M
TypeSH
Market value$1.52M
3.24%
Sole
1.52M
Shared
0.00
None
0.00
SPDR State Street Global Advisors
SOLEShares19.16M
TypeSH
Market value$1.04M
2.22%
Sole
1.04M
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares5.20M
TypeSH
Market value$918.4K
1.96%
Sole
918.44K
Shared
0.00
None
0.00
VANGUARD CHARLOTTE FDS
SOLEShares17.52M
TypeSH
Market value$867.6K
1.85%
Sole
867.61K
Shared
0.00
None
0.00
ISHARES TR
SOLEShares10.13M
TypeSH
Market value$845.5K
1.80%
Sole
845.51K
Shared
0.00
None
0.00
SPDR State Street Global Advisors
SOLEShares17.62M
TypeSH
Market value$750.5K
1.60%
Sole
750.47K
Shared
0.00
None
0.00
ISHARES TR
SOLEShares7.89M
TypeSH
Market value$731.0K
1.56%
Sole
731K
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares4.13M
TypeSH
Market value$679.8K
1.45%
Sole
679.79K
Shared
0.00
None
0.00
Goldman Sachs
SOLEShares5.60M
TypeSH
Market value$679.7K
1.45%
Sole
679.69K
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares3.20M
TypeSH
Market value$624.1K
1.33%
Sole
624.12K
Shared
0.00
None
0.00
SPDR SERIES TRUST
SOLEShares13.13M
TypeSH
Market value$586.4K
1.25%
Sole
586.41K
Shared
0.00
None
0.00
JP Morgan
SOLEShares11.29M
TypeSH
Market value$572.2K
1.22%
Sole
572.23K
Shared
0.00
None
0.00
Goldman Sachs
SOLEShares5.70M
TypeSH
Market value$570.7K
1.22%
Sole
570.74K
Shared
0.00
None
0.00
iShares
SOLEShares3.84M
TypeSH
Market value$519.6K
1.11%
Sole
519.58K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares22.94M
TypeSH
Market value$507.0K
1.08%
Sole
507.02K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares18.75M
TypeSH
Market value$458.2K
0.98%
Sole
458.23K
Shared
0.00
None
0.00
iShares
SOLEShares4.01M
TypeSH
Market value$412.3K
0.88%
Sole
412.31K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares16.83M
TypeSH
Market value$401.0K
0.85%
Sole
401K
Shared
0.00
None
0.00
ISHARES INC
SOLEShares6.38M
TypeSH
Market value$383.2K
0.82%
Sole
383.18K
Shared
0.00
None
0.00
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
VANGUARD INDEX FDSSOLE | TOTAL STK MKT | 26.30M | SH | $7.99M 17.02% | 7.99M | 0.00 | 0.00 |
VANGUARD TAX MANAGED INTL FDSOLE | VAN FTSE DEV MKT | 134.08M | SH | $7.64M 16.28% | 7.64M | 0.00 | 0.00 |
SPDR State Street Global AdvisorsSOLE | PORTFOLIO S&P500 | 73.91M | SH | $5.37M 11.44% | 5.37M | 0.00 | 0.00 |
VANGUARD INTL EQUITY INDEX FSOLE | FTSE EMR MKT ETF | 52.57M | SH | $2.60M 5.54% | 2.60M | 0.00 | 0.00 |
ISHARES TRSOLE | CORE US AGGBD ET | 23.07M | SH | $2.29M 4.87% | 2.29M | 0.00 | 0.00 |
ISHARES TRSOLE | NATIONAL MUN ETF | 18.58M | SH | $1.94M 4.13% | 1.94M | 0.00 | 0.00 |
ISHARES TRSOLE | CORE S&P TTL STK | 11.28M | SH | $1.52M 3.24% | 1.52M | 0.00 | 0.00 |
SPDR State Street Global AdvisorsSOLE | PORTFOLIO S&P400 | 19.16M | SH | $1.04M 2.22% | 1.04M | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | VALUE ETF | 5.20M | SH | $918.4K 1.96% | 918.44K | 0.00 | 0.00 |
VANGUARD CHARLOTTE FDSSOLE | TOTAL INT BD ETF | 17.52M | SH | $867.6K 1.85% | 867.61K | 0.00 | 0.00 |
ISHARES TRSOLE | CORE MSCI EAFE | 10.13M | SH | $845.5K 1.80% | 845.51K | 0.00 | 0.00 |
SPDR State Street Global AdvisorsSOLE | PORTFOLIO S&P600 | 17.62M | SH | $750.5K 1.60% | 750.47K | 0.00 | 0.00 |
ISHARES TRSOLE | JPMORGAN USD EMG | 7.89M | SH | $731.0K 1.56% | 731K | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | MCAP VL IDXVIP | 4.13M | SH | $679.8K 1.45% | 679.79K | 0.00 | 0.00 |
Goldman SachsSOLE | ACTIVEBETA US LG | 5.60M | SH | $679.7K 1.45% | 679.69K | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | SM CP VAL ETF | 3.20M | SH | $624.1K 1.33% | 624.12K | 0.00 | 0.00 |
SPDR SERIES TRUSTSOLE | NUVEEN ICE MUNIC | 13.13M | SH | $586.4K 1.25% | 586.41K | 0.00 | 0.00 |
JP MorganSOLE | ULTRA SHRT ETF | 11.29M | SH | $572.2K 1.22% | 572.23K | 0.00 | 0.00 |
Goldman SachsSOLE | ACCES TREASURY | 5.70M | SH | $570.7K 1.22% | 570.74K | 0.00 | 0.00 |
iSharesSOLE | ESG AWR MSCI USA | 3.84M | SH | $519.6K 1.11% | 519.58K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | INTL EQTY ETF | 22.94M | SH | $507.0K 1.08% | 507.02K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | US LRG CAP ETF | 18.75M | SH | $458.2K 0.98% | 458.23K | 0.00 | 0.00 |
iSharesSOLE | 0-5 YR TIPS ETF | 4.01M | SH | $412.3K 0.88% | 412.31K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | US BRD MKT ETF | 16.83M | SH | $401.0K 0.85% | 401K | 0.00 | 0.00 |
ISHARES INCSOLE | CORE MSCI EMKT | 6.38M | SH | $383.2K 0.82% | 383.18K | 0.00 | 0.00 |
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