Filed: 2/12/2026ACC: 0001633901-26-000002
📋 What this filing means
BETTERMENT LLC filed this quarterly 13F‑HR report disclosing 551 equity positions with a total reported market value of $52.49M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
551
Positions
$52.49M
Total AUM (reported)
669.53M
Total Shares
Allocation by class
STATE STREET SPD$9.73M18.5%
VAN FTSE DEV MKT$8.66M16.5%
TOTAL STK MKT$8.44M16.1%
FTSE EMR MKT ETF$2.89M5.5%
CORE US AGGBD ET$2.62M5.0%
NATIONAL MUN ETF$2.03M3.9%
CORE S&P TTL STK$1.59M3.0%
Portfolio Concentration
Top 3$23.80M45.3%
4–10$12.25M23.3%
11–25$9.12M17.4%
Rest$7.32M13.9%
Top 3 weight
45.3%
Top 10 weight
68.7%
Voting Authority Distribution
Total shares with voting rights: 52.49M
Sole
Full voting authority
52.49M
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)
Sole551
Shared0
Other0
Dominant voting typeSole · 100.0% of voting shares
Institutional Holdings551
Rows:
VANGUARD TAX MANAGED INTL FD
SOLEShares138.59M
TypeSH
Market value$8.66M
16.49%
Sole
8.66M
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares25.17M
TypeSH
Market value$8.44M
16.08%
Sole
8.44M
Shared
0.00
None
0.00
SPDR State Street Global Advisors
SOLEShares83.59M
TypeSH
Market value$6.71M
12.77%
Sole
6.71M
Shared
0.00
None
0.00
VANGUARD INTL EQUITY INDEX F
SOLEShares53.73M
TypeSH
Market value$2.89M
5.50%
Sole
2.89M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares26.26M
TypeSH
Market value$2.62M
5.00%
Sole
2.62M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares18.99M
TypeSH
Market value$2.03M
3.88%
Sole
2.03M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares10.68M
TypeSH
Market value$1.59M
3.03%
Sole
1.59M
Shared
0.00
None
0.00
SPDR State Street Global Advisors
SOLEShares21.15M
TypeSH
Market value$1.22M
2.33%
Sole
1.22M
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares4.97M
TypeSH
Market value$950.0K
1.81%
Sole
949.98K
Shared
0.00
None
0.00
VANGUARD CHARLOTTE FDS
SOLEShares19.56M
TypeSH
Market value$945.1K
1.80%
Sole
945.06K
Shared
0.00
None
0.00
SPDR State Street Global Advisors
SOLEShares18.76M
TypeSH
Market value$879.0K
1.67%
Sole
878.98K
Shared
0.00
None
0.00
ISHARES TR
SOLEShares9.61M
TypeSH
Market value$859.6K
1.64%
Sole
859.61K
Shared
0.00
None
0.00
Goldman Sachs
SOLEShares6.01M
TypeSH
Market value$795.0K
1.51%
Sole
794.98K
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares3.92M
TypeSH
Market value$696.1K
1.33%
Sole
696.11K
Shared
0.00
None
0.00
JP Morgan
SOLEShares13.18M
TypeSH
Market value$666.8K
1.27%
Sole
666.83K
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares3.02M
TypeSH
Market value$639.5K
1.22%
Sole
639.53K
Shared
0.00
None
0.00
Goldman Sachs
SOLEShares5.86M
TypeSH
Market value$585.9K
1.12%
Sole
585.87K
Shared
0.00
None
0.00
iShares
SOLEShares3.92M
TypeSH
Market value$584.7K
1.11%
Sole
584.69K
Shared
0.00
None
0.00
ISHARES TR
SOLEShares5.95M
TypeSH
Market value$573.3K
1.09%
Sole
573.28K
Shared
0.00
None
0.00
SPDR SERIES TRUST
SOLEShares12.11M
TypeSH
Market value$553.4K
1.05%
Sole
553.38K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares21.86M
TypeSH
Market value$525.5K
1.00%
Sole
525.53K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares18.15M
TypeSH
Market value$488.4K
0.93%
Sole
488.39K
Shared
0.00
None
0.00
iShares
SOLEShares4.37M
TypeSH
Market value$447.6K
0.85%
Sole
447.64K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares16.16M
TypeSH
Market value$423.8K
0.81%
Sole
423.78K
Shared
0.00
None
0.00
ISHARES INC
SOLEShares5.91M
TypeSH
Market value$397.4K
0.76%
Sole
397.43K
Shared
0.00
None
0.00
| Issuer | Class | Shares | Type | Value / Portfolio % | Voting — Sole | Shared | None |
|---|---|---|---|---|---|---|---|
VANGUARD TAX MANAGED INTL FDSOLE | VAN FTSE DEV MKT | 138.59M | SH | $8.66M 16.49% | 8.66M | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | TOTAL STK MKT | 25.17M | SH | $8.44M 16.08% | 8.44M | 0.00 | 0.00 |
SPDR State Street Global AdvisorsSOLE | STATE STREET SPD | 83.59M | SH | $6.71M 12.77% | 6.71M | 0.00 | 0.00 |
VANGUARD INTL EQUITY INDEX FSOLE | FTSE EMR MKT ETF | 53.73M | SH | $2.89M 5.50% | 2.89M | 0.00 | 0.00 |
ISHARES TRSOLE | CORE US AGGBD ET | 26.26M | SH | $2.62M 5.00% | 2.62M | 0.00 | 0.00 |
ISHARES TRSOLE | NATIONAL MUN ETF | 18.99M | SH | $2.03M 3.88% | 2.03M | 0.00 | 0.00 |
ISHARES TRSOLE | CORE S&P TTL STK | 10.68M | SH | $1.59M 3.03% | 1.59M | 0.00 | 0.00 |
SPDR State Street Global AdvisorsSOLE | STATE STREET SPD | 21.15M | SH | $1.22M 2.33% | 1.22M | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | VALUE ETF | 4.97M | SH | $950.0K 1.81% | 949.98K | 0.00 | 0.00 |
VANGUARD CHARLOTTE FDSSOLE | TOTAL INT BD ETF | 19.56M | SH | $945.1K 1.80% | 945.06K | 0.00 | 0.00 |
SPDR State Street Global AdvisorsSOLE | STATE STREET SPD | 18.76M | SH | $879.0K 1.67% | 878.98K | 0.00 | 0.00 |
ISHARES TRSOLE | CORE MSCI EAFE | 9.61M | SH | $859.6K 1.64% | 859.61K | 0.00 | 0.00 |
Goldman SachsSOLE | ACTIVEBETA US LG | 6.01M | SH | $795.0K 1.51% | 794.98K | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | MCAP VL IDXVIP | 3.92M | SH | $696.1K 1.33% | 696.11K | 0.00 | 0.00 |
JP MorganSOLE | ULTRA SHRT ETF | 13.18M | SH | $666.8K 1.27% | 666.83K | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | SM CP VAL ETF | 3.02M | SH | $639.5K 1.22% | 639.53K | 0.00 | 0.00 |
Goldman SachsSOLE | ACCES TREASURY | 5.86M | SH | $585.9K 1.12% | 585.87K | 0.00 | 0.00 |
iSharesSOLE | ESG AWR MSCI USA | 3.92M | SH | $584.7K 1.11% | 584.69K | 0.00 | 0.00 |
ISHARES TRSOLE | JPMORGAN USD EMG | 5.95M | SH | $573.3K 1.09% | 573.28K | 0.00 | 0.00 |
SPDR SERIES TRUSTSOLE | STATE STREET SPD | 12.11M | SH | $553.4K 1.05% | 553.38K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | INTL EQTY ETF | 21.86M | SH | $525.5K 1.00% | 525.53K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | US LRG CAP ETF | 18.15M | SH | $488.4K 0.93% | 488.39K | 0.00 | 0.00 |
iSharesSOLE | 0-5 YR TIPS ETF | 4.37M | SH | $447.6K 0.85% | 447.64K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | US BRD MKT ETF | 16.16M | SH | $423.8K 0.81% | 423.78K | 0.00 | 0.00 |
ISHARES INCSOLE | CORE MSCI EMKT | 5.91M | SH | $397.4K 0.76% | 397.43K | 0.00 | 0.00 |
Page 1 of 23
…