Filed: 5/14/2026ACC: 0001633901-26-000003
📋 What this filing means
BETTERMENT LLC filed this quarterly 13F‑HR report disclosing 615 equity positions with a total reported market value of $52.79M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.
615
Positions
$52.79M
Total AUM (reported)
693.37M
Total Shares
Allocation by class
STATE STREET SPD$10.01M19.0%
VAN FTSE DEV MKT$8.84M16.7%
TOTAL STK MKT$7.87M14.9%
FTSE EMR MKT ETF$2.88M5.5%
CORE US AGGBD ET$2.37M4.5%
NATIONAL MUN ETF$2.08M3.9%
CORE S&P TTL STK$1.51M2.9%
Portfolio Concentration
Top 3$23.72M44.9%
4–10$11.93M22.6%
11–25$9.22M17.5%
Rest$7.92M15.0%
Top 3 weight
44.9%
Top 10 weight
67.5%
Voting Authority Distribution
Total shares with voting rights: 52.79M
Sole
Full voting authority
52.79M
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)
Sole615
Shared0
Other0
Dominant voting typeSole · 100.0% of voting shares
Institutional Holdings615
Rows:
VANGUARD TAX MANAGED INTL FD
SOLEShares137.93M
TypeSH
Market value$8.84M
16.74%
Sole
8.84M
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares24.53M
TypeSH
Market value$7.87M
14.90%
Sole
7.87M
Shared
0.00
None
0.00
SPDR State Street Global Advisors
SOLEShares91.63M
TypeSH
Market value$7.01M
13.28%
Sole
7.01M
Shared
0.00
None
0.00
VANGUARD INTL EQUITY INDEX F
SOLEShares53.37M
TypeSH
Market value$2.88M
5.46%
Sole
2.88M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares23.91M
TypeSH
Market value$2.37M
4.50%
Sole
2.37M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares19.58M
TypeSH
Market value$2.08M
3.94%
Sole
2.08M
Shared
0.00
None
0.00
ISHARES TR
SOLEShares10.62M
TypeSH
Market value$1.51M
2.86%
Sole
1.51M
Shared
0.00
None
0.00
SPDR State Street Global Advisors
SOLEShares20.20M
TypeSH
Market value$1.20M
2.27%
Sole
1.20M
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares4.86M
TypeSH
Market value$954.4K
1.81%
Sole
954.43K
Shared
0.00
None
0.00
VANGUARD CHARLOTTE FDS
SOLEShares19.40M
TypeSH
Market value$932.2K
1.77%
Sole
932.20K
Shared
0.00
None
0.00
SPDR State Street Global Advisors
SOLEShares19.02M
TypeSH
Market value$919.0K
1.74%
Sole
919K
Shared
0.00
None
0.00
ISHARES TR
SOLEShares9.26M
TypeSH
Market value$838.5K
1.59%
Sole
838.53K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares28.60M
TypeSH
Market value$733.3K
1.39%
Sole
733.29K
Shared
0.00
None
0.00
Goldman Sachs
SOLEShares5.77M
TypeSH
Market value$721.9K
1.37%
Sole
721.88K
Shared
0.00
None
0.00
JP Morgan
SOLEShares13.65M
TypeSH
Market value$690.9K
1.31%
Sole
690.93K
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares3.74M
TypeSH
Market value$689.6K
1.31%
Sole
689.55K
Shared
0.00
None
0.00
VANGUARD INDEX FDS
SOLEShares2.92M
TypeSH
Market value$633.7K
1.20%
Sole
633.75K
Shared
0.00
None
0.00
Goldman Sachs
SOLEShares6.10M
TypeSH
Market value$611.1K
1.16%
Sole
611.08K
Shared
0.00
None
0.00
iShares
SOLEShares4.04M
TypeSH
Market value$571.6K
1.08%
Sole
571.61K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares21.21M
TypeSH
Market value$524.9K
0.99%
Sole
524.93K
Shared
0.00
None
0.00
SPDR SERIES TRUST
SOLEShares11.56M
TypeSH
Market value$524.3K
0.99%
Sole
524.29K
Shared
0.00
None
0.00
ISHARES TR
SOLEShares5.41M
TypeSH
Market value$507.9K
0.96%
Sole
507.95K
Shared
0.00
None
0.00
iShares
SOLEShares4.49M
TypeSH
Market value$464.1K
0.88%
Sole
464.15K
Shared
0.00
None
0.00
SCHWAB STRATEGIC TR
SOLEShares15.72M
TypeSH
Market value$394.5K
0.75%
Sole
394.52K
Shared
0.00
None
0.00
ISHARES INC
SOLEShares5.65M
TypeSH
Market value$394.3K
0.75%
Sole
394.33K
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 | 137.93M | SH | $8.84M 16.74% | 8.84M | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | TOTAL STK MKT | 24.53M | SH | $7.87M 14.90% | 7.87M | 0.00 | 0.00 |
SPDR State Street Global AdvisorsSOLE | STATE STREET SPD | 91.63M | SH | $7.01M 13.28% | 7.01M | 0.00 | 0.00 |
VANGUARD INTL EQUITY INDEX FSOLE | FTSE EMR MKT ETF | 53.37M | SH | $2.88M 5.46% | 2.88M | 0.00 | 0.00 |
ISHARES TRSOLE | CORE US AGGBD ET | 23.91M | SH | $2.37M 4.50% | 2.37M | 0.00 | 0.00 |
ISHARES TRSOLE | NATIONAL MUN ETF | 19.58M | SH | $2.08M 3.94% | 2.08M | 0.00 | 0.00 |
ISHARES TRSOLE | CORE S&P TTL STK | 10.62M | SH | $1.51M 2.86% | 1.51M | 0.00 | 0.00 |
SPDR State Street Global AdvisorsSOLE | STATE STREET SPD | 20.20M | SH | $1.20M 2.27% | 1.20M | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | VALUE ETF | 4.86M | SH | $954.4K 1.81% | 954.43K | 0.00 | 0.00 |
VANGUARD CHARLOTTE FDSSOLE | TOTAL INT BD ETF | 19.40M | SH | $932.2K 1.77% | 932.20K | 0.00 | 0.00 |
SPDR State Street Global AdvisorsSOLE | STATE STREET SPD | 19.02M | SH | $919.0K 1.74% | 919K | 0.00 | 0.00 |
ISHARES TRSOLE | CORE MSCI EAFE | 9.26M | SH | $838.5K 1.59% | 838.53K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | US LRG CAP ETF | 28.60M | SH | $733.3K 1.39% | 733.29K | 0.00 | 0.00 |
Goldman SachsSOLE | ACTIVEBETA US LG | 5.77M | SH | $721.9K 1.37% | 721.88K | 0.00 | 0.00 |
JP MorganSOLE | ULTRA SHRT ETF | 13.65M | SH | $690.9K 1.31% | 690.93K | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | MCAP VL IDXVIP | 3.74M | SH | $689.6K 1.31% | 689.55K | 0.00 | 0.00 |
VANGUARD INDEX FDSSOLE | SM CP VAL ETF | 2.92M | SH | $633.7K 1.20% | 633.75K | 0.00 | 0.00 |
Goldman SachsSOLE | ACCES TREASURY | 6.10M | SH | $611.1K 1.16% | 611.08K | 0.00 | 0.00 |
iSharesSOLE | ESG AWR MSCI USA | 4.04M | SH | $571.6K 1.08% | 571.61K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | INTL EQTY ETF | 21.21M | SH | $524.9K 0.99% | 524.93K | 0.00 | 0.00 |
SPDR SERIES TRUSTSOLE | STATE STREET SPD | 11.56M | SH | $524.3K 0.99% | 524.29K | 0.00 | 0.00 |
ISHARES TRSOLE | JPMORGAN USD EMG | 5.41M | SH | $507.9K 0.96% | 507.95K | 0.00 | 0.00 |
iSharesSOLE | 0-5 YR TIPS ETF | 4.49M | SH | $464.1K 0.88% | 464.15K | 0.00 | 0.00 |
SCHWAB STRATEGIC TRSOLE | US BRD MKT ETF | 15.72M | SH | $394.5K 0.75% | 394.52K | 0.00 | 0.00 |
ISHARES INCSOLE | CORE MSCI EMKT | 5.65M | SH | $394.3K 0.75% | 394.33K | 0.00 | 0.00 |
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