Filed: 11/13/2025ACC: 0001633901-25-000010
📋 What this filing means
BETTERMENT LLC filed this quarterly 13F‑HR report disclosing 522 equity positions with a total reported market value of $50.60M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
522
Positions
$50.60M
Total AUM (reported)
653.59M
Total Shares
Allocation by class
TOTAL STK MKT$8.46M16.7%
VAN FTSE DEV MKT$8.24M16.3%
PORTFOLIO S&P500$6.15M12.2%
FTSE EMR MKT ETF$2.84M5.6%
CORE US AGGBD ET$2.46M4.9%
NATIONAL MUN ETF$1.85M3.7%
CORE S&P TTL STK$1.59M3.1%
Portfolio Concentration
Top 3$22.85M45.2%
4–10$11.75M23.2%
11–25$9.03M17.8%
Rest$6.97M13.8%
Top 3 weight
45.2%
Top 10 weight
68.4%
Voting Authority Distribution
Total shares with voting rights: 50.60M
Sole
Full voting authority
50.60M
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)
Sole522
Shared0
Other0
Dominant voting typeSole · 100.0% of voting shares
Institutional Holdings522
Rows:
VANGUARD INDEX FDS
SOLEShares25.78M
TypeSH
Market value$8.46M
16.72%
Sole
8.46M
Shared
0.00
None
0.00
VANGUARD TAX MANAGED INTL FD
SOLEShares137.45M
TypeSH
Market value$8.24M
16.28%
Sole
8.24M
Shared
0.00
None
0.00
SPDR State Street Global Advisors
SOLEShares78.55M
TypeSH
Market value$6.15M
12.16%
Sole
6.15M
Shared
0.00
None
0.00
VANGUARD INTL EQUITY INDEX F
SOLEShares52.48M
TypeSH
Market value$2.84M
5.62%
Sole
2.84M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares24.57M
TypeSH
Market value$2.46M
4.87%
Sole
2.46M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares17.34M
TypeSH
Market value$1.85M
3.65%
Sole
1.85M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares10.94M
TypeSH
Market value$1.59M
3.15%
Sole
1.59M
Shared
0.00
None
0.00
SPDR State Street Global Advisors
SOLEShares20.13M
TypeSH
Market value$1.15M
2.27%
Sole
1.15M
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares5.08M
TypeSH
Market value$947.4K
1.87%
Sole
947.38K
Shared
0.00
None
0.00
VANGUARD CHARLOTTE FDS
SOLEShares18.36M
TypeSH
Market value$908.1K
1.79%
Sole
908.14K
Shared
0.00
None
0.00
ISHARES TR
SOLEShares9.87M
TypeSH
Market value$861.5K
1.70%
Sole
861.48K
Shared
0.00
None
0.00
SPDR State Street Global Advisors
SOLEShares18.14M
TypeSH
Market value$840.4K
1.66%
Sole
840.37K
Shared
0.00
None
0.00
Goldman Sachs
SOLEShares5.85M
TypeSH
Market value$761.9K
1.51%
Sole
761.86K
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares4.02M
TypeSH
Market value$701.9K
1.39%
Sole
701.87K
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares3.10M
TypeSH
Market value$647.0K
1.28%
Sole
647.01K
Shared
0.00
None
0.00
ISHARES TR
SOLEShares6.72M
TypeSH
Market value$639.9K
1.26%
Sole
639.86K
Shared
0.00
None
0.00
JP Morgan
SOLEShares12.18M
TypeSH
Market value$617.8K
1.22%
Sole
617.82K
Shared
0.00
None
0.00
SPDR SERIES TRUST
SOLEShares12.61M
TypeSH
Market value$574.8K
1.14%
Sole
574.83K
Shared
0.00
None
0.00
iShares
SOLEShares3.89M
TypeSH
Market value$566.4K
1.12%
Sole
566.37K
Shared
0.00
None
0.00
Goldman Sachs
SOLEShares5.64M
TypeSH
Market value$565.2K
1.12%
Sole
565.22K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares22.37M
TypeSH
Market value$520.8K
1.03%
Sole
520.84K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares18.08M
TypeSH
Market value$476.3K
0.94%
Sole
476.35K
Shared
0.00
None
0.00
iShares
SOLEShares4.14M
TypeSH
Market value$428.0K
0.85%
Sole
427.98K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares16.50M
TypeSH
Market value$424.3K
0.84%
Sole
424.32K
Shared
0.00
None
0.00
ISHARES INC
SOLEShares6.10M
TypeSH
Market value$402.2K
0.79%
Sole
402.19K
Shared
0.00
None
0.00
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
VANGUARD INDEX FDSSOLE | TOTAL STK MKT | 25.78M | SH | $8.46M 16.72% | 8.46M | 0.00 | 0.00 |
VANGUARD TAX MANAGED INTL FDSOLE | VAN FTSE DEV MKT | 137.45M | SH | $8.24M 16.28% | 8.24M | 0.00 | 0.00 |
SPDR State Street Global AdvisorsSOLE | PORTFOLIO S&P500 | 78.55M | SH | $6.15M 12.16% | 6.15M | 0.00 | 0.00 |
VANGUARD INTL EQUITY INDEX FSOLE | FTSE EMR MKT ETF | 52.48M | SH | $2.84M 5.62% | 2.84M | 0.00 | 0.00 |
ISHARES TRSOLE | CORE US AGGBD ET | 24.57M | SH | $2.46M 4.87% | 2.46M | 0.00 | 0.00 |
ISHARES TRSOLE | NATIONAL MUN ETF | 17.34M | SH | $1.85M 3.65% | 1.85M | 0.00 | 0.00 |
ISHARES TRSOLE | CORE S&P TTL STK | 10.94M | SH | $1.59M 3.15% | 1.59M | 0.00 | 0.00 |
SPDR State Street Global AdvisorsSOLE | PORTFOLIO S&P400 | 20.13M | SH | $1.15M 2.27% | 1.15M | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | VALUE ETF | 5.08M | SH | $947.4K 1.87% | 947.38K | 0.00 | 0.00 |
VANGUARD CHARLOTTE FDSSOLE | TOTAL INT BD ETF | 18.36M | SH | $908.1K 1.79% | 908.14K | 0.00 | 0.00 |
ISHARES TRSOLE | CORE MSCI EAFE | 9.87M | SH | $861.5K 1.70% | 861.48K | 0.00 | 0.00 |
SPDR State Street Global AdvisorsSOLE | PORTFOLIO S&P600 | 18.14M | SH | $840.4K 1.66% | 840.37K | 0.00 | 0.00 |
Goldman SachsSOLE | ACTIVEBETA US LG | 5.85M | SH | $761.9K 1.51% | 761.86K | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | MCAP VL IDXVIP | 4.02M | SH | $701.9K 1.39% | 701.87K | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | SM CP VAL ETF | 3.10M | SH | $647.0K 1.28% | 647.01K | 0.00 | 0.00 |
ISHARES TRSOLE | JPMORGAN USD EMG | 6.72M | SH | $639.9K 1.26% | 639.86K | 0.00 | 0.00 |
JP MorganSOLE | ULTRA SHRT ETF | 12.18M | SH | $617.8K 1.22% | 617.82K | 0.00 | 0.00 |
SPDR SERIES TRUSTSOLE | NUVEEN ICE MUNIC | 12.61M | SH | $574.8K 1.14% | 574.83K | 0.00 | 0.00 |
iSharesSOLE | ESG AWR MSCI USA | 3.89M | SH | $566.4K 1.12% | 566.37K | 0.00 | 0.00 |
Goldman SachsSOLE | ACCES TREASURY | 5.64M | SH | $565.2K 1.12% | 565.22K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | INTL EQTY ETF | 22.37M | SH | $520.8K 1.03% | 520.84K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | US LRG CAP ETF | 18.08M | SH | $476.3K 0.94% | 476.35K | 0.00 | 0.00 |
iSharesSOLE | 0-5 YR TIPS ETF | 4.14M | SH | $428.0K 0.85% | 427.98K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | US BRD MKT ETF | 16.50M | SH | $424.3K 0.84% | 424.32K | 0.00 | 0.00 |
ISHARES INCSOLE | CORE MSCI EMKT | 6.10M | SH | $402.2K 0.79% | 402.19K | 0.00 | 0.00 |
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