Betterment LLC

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CIK 1633901

13F portfolio (2026-Q1)

$52.8B

Positions

615

Implied 1Y CAGR

modeled · as filed

Long positions in SEC Section 13(f) securities (US-listed stocks, ADRs and ETFs), largest first · Δ vs 2025-Q4. A lagged quarterly snapshot (filed ≤45 days after quarter-end); excludes shorts, options, cash, and shares listed only on non-US exchanges — foreign companies held via a US listing or ADR (e.g. Alibaba, TSMC) ARE included.

Implied return what this book implies · modeled, not advice methodology →

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As filed = each book applied at its quarter-end (what the reported book did) · As copyable = applied at its statutory 45-day filing deadline (what a 13F follower could have earned).

Computing…

Hypothetical modeled performance constructed with hindsight — not actual results, and not indicative of future results. See the Disclaimer.

Exposures · what this manager owns, by sector & size (2026-Q1)

Holdings

615

Top 5

54.9%

Top 10

67.5%

Effective N

12.7

HHI

0.079

This quarter

83 new · 0 exit →

By sector

Unclassified99.9%

Information Technology0.0%

Consumer Discretionary0.0%

Communication Services0.0%

Financials0.0%

Industrials0.0%

Health Care0.0%

Energy0.0%

Other0.0%

By market cap

Unknown99.9%

Mega (>$200B)0.1%

Large ($10–200B)0.0%

Micro (<$300M)0.0%

Small ($300M–2B)0.0%

Mid ($2–10B)0.0%

By region

Other99.9%

North America0.1%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	99.88%	550
Technology Hardware & Equipment	0.02%	4
Specialty Retail	0.02%	8
Semiconductors & Semiconductor Equipment	0.02%	6
Software & IT Services	0.01%	3
Software	0.01%	6
Banks	0.01%	6
Automobiles & Components	0.01%	2
Aerospace & Defense	0.00%	4
Pharmaceuticals & Biotechnology	0.00%	4
Oil, Gas & Consumable Fuels	0.00%	3
Capital Markets	0.00%	1
Media & Entertainment	0.00%	1
Commercial Services & Supplies	0.00%	2
Utilities	0.00%	2
Machinery	0.00%	2
Insurance	0.00%	2
Diversified Telecommunication Services	0.00%	2
Chemicals	0.00%	1
Beverages	0.00%	2
Entertainment	0.00%	1
Metals & Mining	0.00%	1
Communications Equipment	0.00%	1
Food Products	0.00%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	VEA	VANGUARD TAX-MANAGED FDS	Unclassified	16.74%
2	VTI	VANGUARD INDEX FDS	Unclassified	14.90%
3	SPYM	SPDR SERIES TRUST	Unclassified	13.28%
4	VWO	VANGUARD INTL EQUITY INDEX F	Unclassified	5.46%
5	AGG	ISHARES TR	Unclassified	4.50%
6	MUB	ISHARES TR	Unclassified	3.94%
7	ITOT	ISHARES TR	Unclassified	2.86%
8	SPMD	SPDR SERIES TRUST	Unclassified	2.27%
9	VTV	VANGUARD INDEX FDS	Unclassified	1.81%
10	BNDX	VANGUARD CHARLOTTE FDS	Unclassified	1.77%

66/615 names classified · sector 0.1% of weight · industry 0.1% · mkt cap 0.1%; unclassified names shown, never dropped.

Sector allocation over time · how the GICS mix & top names shifted quarter by quarter

top 5/sector, rest → “Other” · 46 quarters

Information TechnologyAAPL, MSFT, NVDA, ORCL, AVGO · other

Consumer DiscretionaryAMZN, COST, WMT, HD, TSLA · other

FinancialsETHW, BRK.B, GS, JPM, FETH · other

Communication ServicesGOOG, GOOGL, META, CMCSA, NFLX · other

IndustrialsLMT, CAT, CMI, RKLB, RTX · other

Health CareABBV, ABT, JNJ, LLY

MaterialsPG, FCX

EnergyXOM, CVX, COP

UtilitiesWMB, VST

Consumer StaplesPEP, KO, BYND

UnclassifiedVEA, VTI, VWO, VTV, SPYM · other

Sector is classified on each name's CURRENT fundamentals, not point-in-time — apparent sector drift can reflect the market re-rating a holding, not a manager trade. 13F is a lagged quarterly snapshot of long positions in US-listed securities only — foreign companies held via a US listing or ADR ARE included, but shares listed only on non-US exchanges (plus shorts, options and cash) are not. Latest quarter: 0.1% of the book is sector-classified (unclassified names shown, never dropped).

Style box · size × value-growth placement of the reported book (2026-Q1), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

Only 0% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (57 classified)Betterment LLC centroid (Large Growth)

Information TechnologyConsumer DiscretionaryCommunication ServicesFinancialsHealth CareIndustrialsEnergyMaterialsUtilitiesConsumer Staples

Style box summary for Betterment LLC: centroid Large Growth. Heaviest cells: Large Growth 0.1%, Large Core 0.0%, Large Value 0.0%.

Classified: 0.1% of book weight (57/615 names) · unclassified 99.9%: VEA, VTI, SPYM, VWO, AGG, MUB, ITOT, SPMD, VTV, BNDX +548 more. Size: cap 70/20/10 bands; style: value/growth composite on our own metrics — not Morningstar's model.

Contribution holdings-based, any period

No contribution data for this period.

Holdings· 615 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	VEAVANGUARD TAX-MANAGED FDS	137,930,799	$8.8B	16.7%	HOLD
2	VTIVANGUARD INDEX FDS	24,526,707	$7.9B	14.9%	TRIM −3%
3	SPYMSPDR SERIES TRUST	91,626,856	$7.0B	13.3%	ADD 10%
4	VWOVANGUARD INTL EQUITY INDEX F	53,371,727	$2.9B	5.5%	HOLD
5	AGGISHARES TR	23,905,376	$2.4B	4.5%	TRIM −9%
6	MUBISHARES TR	19,583,732	$2.1B	3.9%	ADD 3%
7	ITOTISHARES TR	10,617,929	$1.5B	2.9%	HOLD
8	SPMDSPDR SERIES TRUST	20,199,297	$1.2B	2.3%	TRIM −5%
9	VTVVANGUARD INDEX FDS	4,864,568	$954M	1.8%	TRIM −2%
10	BNDXVANGUARD CHARLOTTE FDS	19,400,574	$932M	1.8%	HOLD
11	SPSMSPDR SERIES TRUST	19,018,965	$919M	1.7%	HOLD
12	IEFAISHARES TR	9,262,506	$839M	1.6%	TRIM −4%
13	SCHXSCHWAB U.S. LARGE-CAP ETF	28,599,516	$733M	1.4%	ADD 58%
14	GSLCGOLDMAN SACHS ETF TR	5,769,076	$722M	1.4%	TRIM −4%
15	JPSTJ P MORGAN EXCHANGE TRADED F	13,652,039	$691M	1.3%	ADD 4%
16	VOEVANGUARD INDEX FDS	3,741,881	$690M	1.3%	TRIM −5%
17	VBRVANGUARD INDEX FDS	2,917,128	$634M	1.2%	TRIM −3%
18	GBILGOLDMAN SACHS ETF TR	6,099,166	$611M	1.2%	ADD 4%
19	ESGUISHARES TR	4,041,916	$572M	1.1%	ADD 3%
20	SCHFSCHWAB STRATEGIC TR	21,209,364	$525M	1.0%	TRIM −3%
21	TFISPDR SERIES TRUST	11,563,595	$524M	1.0%	TRIM −4%
22	EMBISHARES TR	5,407,726	$508M	1.0%	TRIM −9%
23	STIPISHARES TR	4,487,580	$464M	0.9%	ADD 3%
24	SCHBSCHWAB STRATEGIC TR	15,717,854	$395M	0.7%	TRIM −3%
25	IEMGISHARES INC	5,653,446	$394M	0.7%	TRIM −4%
26	SPDWSPDR INDEX SHS FDS	8,266,335	$377M	0.7%	ADD 11%
27	ESGDISHARES TR	3,918,891	$375M	0.7%	HOLD
28	VWOBVANGUARD WHITEHALL FDS	5,700,214	$374M	0.7%	ADD 22%
29	VTEBVANGUARD MUN BD FDS	6,930,029	$346M	0.7%	ADD 3%
30	JCPBJ P MORGAN EXCHANGE TRADED F	6,234,652	$294M	0.6%	ADD 5692%
31	CRBNISHARES TR	1,301,436	$290M	0.5%	HOLD
32	VOOVANGUARD INDEX FDS	382,432	$229M	0.4%	ADD 22%
33	IWSISHARES TR	1,478,807	$216M	0.4%	TRIM −5%
34	ESGEISHARES INC	3,182,530	$145M	0.3%	TRIM −2%
35	GSIEGoldman Sachs ActiveBeta Int'l Eq ETF	3,290,100	$142M	0.3%	ADD 6%
36	VUGVANGUARD INDEX FDS	321,772	$141M	0.3%	ADD 2%
37	DFACDIMENSIONAL ETF TRUST	3,427,113	$133M	0.3%	ADD 5%
38	IWNISHARES TR	672,519	$128M	0.2%	TRIM −3%
39	SPYVSPDR SERIES TRUST	2,247,354	$127M	0.2%	TRIM −4%
40	VOTETCW ETF TRUST	1,615,436	$123M	0.2%	ADD 3%
41	SCHVSCHWAB STRATEGIC TR	4,000,948	$122M	0.2%	TRIM −3%
42	BNDVANGUARD BD INDEX FDS	1,601,843	$118M	0.2%	TRIM −7%
43	IAGGISHARES TR	2,223,553	$111M	0.2%	ADD 22%
44	SPYXSPDR SERIES TRUST	1,971,282	$105M	0.2%	HOLD
45	SPEMSPDR INDEX SHS FDS	2,148,733	$101M	0.2%	ADD 22%
46	IVVISHARES TR	146,784	$96M	0.2%	ADD 4%
47	GEMGOLDMAN SACHS ETF TR	2,071,837	$90M	0.2%	TRIM −5%
48	KOMPSPDR SERIES TRUST	1,485,819	$87M	0.2%	HOLD
49	JMSIJ P MORGAN EXCHANGE TRADED F	1,697,584	$84M	0.2%	ADD 6%
50	ESMLISHARES TR	1,789,266	$84M	0.2%	HOLD
51	GSEUGOLDMAN SACHS ETF TR	1,832,782	$83M	0.2%	TRIM −7%
52	EAGGISHARES TR	1,659,986	$79M	0.1%	HOLD
53	IVEISHARES TR	357,479	$75M	0.1%	TRIM −3%
54	VOVANGUARD INDEX FDS	258,040	$74M	0.1%	HOLD
55	VTIPVANGUARD MALVERN FDS	1,465,040	$73M	0.1%	TRIM −6%
56	SHVISHARES TR	651,818	$72M	0.1%	TRIM −8%
57	EFAXSPDR INDEX SHS FDS	1,431,679	$71M	0.1%	HOLD
58	USHYISHARES TR	1,906,112	$70M	0.1%	ADD 6%
59	IGEBISHARES TR	1,529,358	$69M	0.1%	ADD 6%
60	ESGVVanguard ESG US Stock - ETF	605,053	$68M	0.1%	ADD 13%
61	BGRNISHARES TR	1,381,155	$66M	0.1%	ADD 3%
62	FWDAB Disruptors ETF	576,726	$63M	0.1%	ADD 7%
63	VBVANGUARD INDEX FDS	230,828	$60M	0.1%	HOLD
64	GSSCGOLDMAN SACHS ETF TR	763,146	$57M	0.1%	TRIM −4%
65	DFICDIMENSIONAL ETF TRUST	1,583,801	$56M	0.1%	HOLD
66	GSJYGOLDMAN SACHS ETF TR	1,126,947	$55M	0.1%	ADD 5%
67	SCHASCHWAB STRATEGIC TR	1,839,896	$54M	0.1%	ADD 8%
68	DFCFDIMENSIONAL ETF TRUST	1,256,555	$53M	0.1%	ADD 7%
69	BSVVANGUARD BD INDEX FDS	628,308	$49M	0.1%	ADD 2%
70	GMUBGOLDMAN SACHS ETF TR	937,751	$48M	0.1%	ADD 13%
71	QQQMINVESCO EXCH TRADED FD TR II	201,037	$48M	0.1%	ADD 15%
72	VVVANGUARD INDEX FDS	157,973	$47M	0.1%	ADD 46%
73	IBITISHARES BITCOIN TRUST ETF	1,140,586	$44M	0.1%	TRIM −5%
74	GCORGOLDMAN SACHS ETF TR	1,055,908	$44M	0.1%	ADD 3%
75	DSIISHARES TR	349,749	$42M	0.1%	TRIM −5%
76	GTIPGOLDMAN SACHS ETF TR	856,115	$42M	0.1%	ADD 13%
77	QQQINVESCO QQQ TR	66,639	$38M	0.1%	TRIM −4%
78	SUSAISHARES TR	279,709	$37M	0.1%	TRIM −3%
79	SHYGISHARES TR	873,283	$37M	0.1%	ADD 6%
80	SUSCISHARES TR	1,593,341	$37M	0.1%	HOLD
81	VIGVANGUARD SPECIALIZED FUNDS	159,055	$34M	0.1%	HOLD
82	VXUSVANGUARD STAR FDS	435,435	$34M	0.1%	ADD 14%
83	DFEMDIMENSIONAL ETF TRUST	925,468	$32M	0.1%	ADD 4%
84	BINCBLACKROCK ETF TRUST II	603,679	$31M	0.1%	ADD 8%
85	DFAIDIMENSIONAL ETF TRUST	757,158	$29M	0.1%	TRIM −7%
86	DFLVDIMENSIONAL ETF TRUST	811,170	$29M	0.1%	ADD 10%
87	GEMDGOLDMAN SACHS ETF TR	632,727	$26M	0.0%	ADD 5%
88	EEMXSPDR INDEX SHS FDS	585,684	$26M	0.0%	TRIM −3%
89	BNDWVANGUARD SCOTTSDALE FDS	371,918	$25M	0.0%	ADD 3%
90	GIGBGOLDMAN SACHS ETF TR	552,525	$25M	0.0%	TRIM −13%
91	DFAUDIMENSIONAL ETF TRUST	558,284	$25M	0.0%	TRIM −8%
92	DCORDIMENSIONAL ETF TRUST	343,122	$25M	0.0%	HOLD
93	JUSTGOLDMAN SACHS ETF TR	266,343	$25M	0.0%	ADD 6%
94	BIVVANGUARD BD INDEX FDS	309,950	$24M	0.0%	HOLD
95	VOTVANGUARD INDEX FDS	90,629	$23M	0.0%	ADD 5%
96	DFATDIMENSIONAL ETF TRUST	366,700	$23M	0.0%	ADD 3%
97	COMBGRANITESHARES ETF TR	787,955	$21M	0.0%	ADD 19%
98	TFLOISHARES TR	406,901	$21M	0.0%	ADD 4%
99	SGOVISHARES TR	204,114	$21M	0.0%	ADD 33%
100	SUBISHARES TR	186,835	$20M	0.0%	TRIM −6%
101	AVUVAMERICAN CENTY ETF TR	179,055	$20M	0.0%	ADD 2%
102	QUALISHARES TR	103,071	$20M	0.0%	ADD 608%
103	USDXRBB FD INC	753,162	$19M	0.0%	HOLD
104	VGLTVANGUARD SCOTTSDALE FDS	345,273	$19M	0.0%	ADD 3%
105	USIGISHARES TR	361,816	$19M	0.0%	ADD 5%
106	CLOABLACKROCK ETF TRUST II	348,450	$18M	0.0%	ADD 7%
107	QLTAISHARES TR	377,172	$18M	0.0%	ADD 10%
108	SCHHSCHWAB STRATEGIC TR	795,744	$17M	0.0%	ADD 3%
109	HYDBISHARES TR	364,714	$17M	0.0%	ADD 6%
110	IEFISHARES TR	167,998	$16M	0.0%	ADD 11%
111	DFSVDIMENSIONAL ETF TRUST	447,734	$16M	0.0%	ADD 3%
112	LQDISHARES TR	143,165	$16M	0.0%	TRIM −10%
113	IGSBISHARES TR	288,580	$15M	0.0%	ADD 4%
114	DISVDIMENSIONAL ETF TRUST	375,997	$15M	0.0%	ADD 4%
115	VMBSVANGUARD SCOTTSDALE FDS	312,731	$15M	0.0%	HOLD
116	SHMSPDR SERIES TRUST	306,333	$15M	0.0%	TRIM −6%
117	IGLBISHARES TR	290,830	$14M	0.0%	ADD 6%
118	SPYSTATE STR SPDR S&P 500 ETF T	22,080	$14M	0.0%	ADD 14%
119	BLVVANGUARD BD INDEX FDS	208,305	$14M	0.0%	HOLD
120	CMFISHARES TR	242,057	$14M	0.0%	ADD 5%
121	VPLSVANGUARD MALVERN FDS	176,641	$14M	0.0%	NEW
122	DFUSDIMENSIONAL ETF TRUST	192,349	$14M	0.0%	HOLD
123	VOOGVANGUARD ADMIRAL FDS INC	33,395	$14M	0.0%	ADD 15%
124	IEURISHARES TR	192,049	$13M	0.0%	TRIM −6%
125	DFAXDIMENSIONAL ETF TRUST	373,555	$13M	0.0%	HOLD
126	GMOMCAMBRIA ETF TR	334,505	$12M	0.0%	TRIM −8%
127	VNQIVANGUARD INTL EQUITY INDEX F	258,210	$11M	0.0%	TRIM −3%
128	CGBLCAPITAL GROUP CORE BALANCED	330,158	$11M	0.0%	NEW
129	SCHGSCHWAB U.S. LARGE-CAP GROWTH ETF	379,938	$11M	0.0%	ADD 57%
130	HYLBDBX ETF TR	305,944	$11M	0.0%	TRIM −6%
131	DFSDDIMENSIONAL ETF TRUST	230,307	$11M	0.0%	ADD 5%
132	DFSUDIMENSIONAL ETF TRUST	261,727	$11M	0.0%	ADD 3%
133	VIGIVanguard Whitehall Int'l Div. Apprec. ETF	120,831	$11M	0.0%	HOLD
134	DFAEDIMENSIONAL ETF TRUST	305,674	$10M	0.0%	TRIM −5%
135	VOOVVANGUARD ADMIRAL FDS INC	50,647	$10M	0.0%	ADD 8%
136	ETHAISHARES ETHEREUM TR	650,113	$10M	0.0%	TRIM −27%
137	TLTISHARES TR	115,065	$10M	0.0%	ADD 6%
138	IUSBISHARES TR	208,442	$10M	0.0%	ADD 21%
139	DGCBDIMENSIONAL ETF TRUST	176,554	$10M	0.0%	ADD 8%
140	JQUAJ P MORGAN EXCHANGE TRADED F	149,776	$9M	0.0%	ADD 1443%
141	AAPLAPPLE INC	35,918	$9M	0.0%	ADD 10%
142	DFARDIMENSIONAL ETF TRUST	381,693	$9M	0.0%	ADD 8%
143	AVDVAMERICAN CENTY ETF TR	89,148	$9M	0.0%	TRIM −3%
144	SHYISHARES TR	107,647	$9M	0.0%	ADD 8%
145	XTISHARES TR	127,167	$9M	0.0%	ADD 28%
146	NYFISHARES TR	161,323	$9M	0.0%	ADD 3%
147	DFGPDIMENSIONAL ETF TRUST	156,211	$8M	0.0%	ADD 10%
148	SCHDSCHWAB STRATEGIC TR	271,180	$8M	0.0%	ADD 77%
149	DFEVDIMENSIONAL ETF TRUST	231,195	$8M	0.0%	ADD 3%
150	DUHPDIMENSIONAL ETF TRUST	224,358	$8M	0.0%	ADD 6%
151	BTCGRAYSCALE BITCOIN MINI TR ET	272,654	$8M	0.0%	NEW
152	AVUSAMERICAN CENTY ETF TR	71,370	$8M	0.0%	HOLD
153	EWJISHARES INC	93,239	$8M	0.0%	ADD 29%
154	IGIBISHARES TR	137,295	$7M	0.0%	TRIM −7%
155	FLOTISHARES TR	141,615	$7M	0.0%	ADD 2%
156	VNQVANGUARD INDEX FDS	81,141	$7M	0.0%	HOLD
157	XSOEWISDOMTREE TR	176,918	$7M	0.0%	TRIM −6%
158	VTVANGUARD INTL EQUITY INDEX F	48,944	$7M	0.0%	TRIM −5%
159	VGSHVANGUARD SHORT-TERM TREASURY ETF	114,733	$7M	0.0%	ADD 37%
160	GLDSPDR GOLD TR	15,393	$7M	0.0%	ADD 22%
161	GSSTGOLDMAN SACHS ETF TR	122,070	$6M	0.0%	ADD 13%
162	VBKVANGUARD INDEX FDS	20,264	$6M	0.0%	ADD 5%
163	IJRISHARES TR	46,859	$6M	0.0%	ADD 15%
164	MBBISHARES TR	61,327	$6M	0.0%	ADD 7%
165	MEARISHARES U S ETF TR	113,526	$6M	0.0%	TRIM −15%
166	NZACSPDR INDEX SHS FDS	136,723	$6M	0.0%	ADD 1687%
167	DFGXDIMENSIONAL ETF TRUST	105,759	$6M	0.0%	ADD 14%
168	NVDANVIDIA CORPORATION	30,627	$5M	0.0%	ADD 57%
169	DUSBDIMENSIONAL ETF TRUST	103,113	$5M	0.0%	ADD 11%
170	FBNDFIDELITY TOTAL BOND ETF	112,977	$5M	0.0%	TRIM −3%
171	DFIVDIMENSIONAL ETF TRUST	96,067	$5M	0.0%	HOLD
172	IJJISHARES TR	37,941	$5M	0.0%	TRIM −8%
173	SHESPDR SERIES TRUST	39,173	$5M	0.0%	ADD 3%
174	MOATVANECK ETF TRUST	51,423	$5M	0.0%	ADD 7%
175	IWYISHARES TR	19,857	$5M	0.0%	TRIM −9%
176	DFSIDIMENSIONAL ETF TRUST	114,853	$5M	0.0%	HOLD
177	IJHISHARES TR	72,022	$5M	0.0%	ADD 26%
178	SPMOInvesco ETF Trust II - S&P500 Momentum ETF	42,638	$5M	0.0%	ADD 22%
179	VYMVANGUARD WHITEHALL FDS	29,658	$4M	0.0%	ADD 10%
180	SPGMSPDR INDEX SHS FDS	56,677	$4M	0.0%	ADD 457%
181	GUMIGoldman Sachs Ultra Short Municipal Income ETF	84,767	$4M	0.0%	ADD 82%
182	CGMSCAPITAL GRP FIXED INCM ETF T	156,340	$4M	0.0%	TRIM −50%
183	SPYGSPDR SERIES TRUST STATE STREET SPD	43,087	$4M	0.0%	HOLD
184	VGITVANGUARD SCOTTSDALE FDS	68,613	$4M	0.0%	ADD 13%
185	MSFTMICROSOFT CORP	10,966	$4M	0.0%	ADD 35%
186	VFMOVANGUARD WELLINGTON FD	20,581	$4M	0.0%	HOLD
187	BITBBITWISE BITCOIN ETF TR	109,295	$4M	0.0%	ADD 39%
188	VCSHVANGUARD SCOTTSDALE FDS	49,119	$4M	0.0%	HOLD
189	DFGRDIMENSIONAL ETF TRUST	144,297	$4M	0.0%	ADD 2%
190	GOOGALPHABET INC	13,308	$4M	0.0%	ADD 21%
191	SCHESCHWAB STRATEGIC TR	112,696	$4M	0.0%	ADD 7%
192	VIOOVANGUARD ADMIRAL FDS INC	32,152	$4M	0.0%	ADD 4%
193	AMZNAMAZON COM INC	17,416	$4M	0.0%	ADD 42%
194	VUSBVANGUARD BD INDEX FDS	70,857	$4M	0.0%	ADD 24%
195	RDVYFIRST TR EXCHANGE TRADED FD	51,341	$4M	0.0%	HOLD
196	CGDVCAPITAL GROUP DIVIDEND VALUE	82,133	$3M	0.0%	TRIM −22%
197	STXFSTRIVE 500 ETF	82,611	$3M	0.0%	ADD 33%
198	COWZPACER FDS TR	54,175	$3M	0.0%	HOLD
199	SPTLSPDR SERIES TRUST	128,571	$3M	0.0%	ADD 2%
200	SPTMSPDR SERIES TRUST	42,608	$3M	0.0%	ADD 10%

showing the top 200 by weight

Position trends· top 15 holdings · shares held over 6 quarters

green added · red trimmed

Security

2024-Q4

2025-Q1

2025-Q2

2025-Q3

2025-Q4

2026-Q1

Latest value

VEAVANGUARD TAX-MANAGED FDS

137.5M

134.0M

134.1M

137.4M

138.6M

137.9M

$8.8B

VTIVANGUARD INDEX FDS

27.0M

26.1M

26.3M

25.8M

25.2M

24.5M

$7.9B

SPYMSPDR SERIES TRUST

52.9M

64.9M

73.9M

78.5M

83.6M

91.6M

$7.0B

VWOVANGUARD INTL EQUITY INDEX F

59.8M

55.8M

52.6M

52.5M

53.7M

53.4M

$2.9B

AGGISHARES TR

19.9M

21.9M

23.1M

24.6M

26.3M

23.9M

$2.4B

MUBISHARES TR

18.3M

18.4M

18.6M

17.3M

19.0M

19.6M

$2.1B

ITOTISHARES TR

11.8M

11.5M

11.3M

10.9M

10.7M

10.6M

$1.5B

SPMDSPDR SERIES TRUST

17.9M

19.2M

20.1M

21.2M

20.2M

$1.2B

VTVVANGUARD INDEX FDS

5.4M

5.2M

5.1M

5.0M

4.9M

$954M

BNDXVANGUARD CHARLOTTE FDS

20.9M

18.4M

17.5M

18.4M

19.6M

19.4M

$932M

SPSMSPDR SERIES TRUST

16.2M

16.1M

17.6M

18.1M

18.8M

19.0M

$919M

IEFAISHARES TR

11.4M

10.7M

10.1M

9.9M

9.6M

9.3M

$839M

SCHXSCHWAB U.S. LARGE-CAP ETF

6.0M

13.2M

18.7M

18.1M

28.6M

$733M

GSLCGOLDMAN SACHS ETF TR

5.3M

5.6M

5.8M

6.0M

5.8M

$722M

JPSTJ P MORGAN EXCHANGE TRADED F

6.2M

9.2M

11.3M

12.2M

13.2M

13.7M

$691M

Shares reported each quarter by the largest current holdings. Green = added vs the prior filing of that name, red = trimmed, grey = roughly held; a dash is a quarter with no 13F on file (a gap is skipped, not read as an exit). 13F is filed up to 45 days after quarter-end. Up to 40 quarters (10 years) available — use the selector above.

☆Betterment LLC

Implied return what this book implies · modeled, not advice methodology →

Exposures · what this manager owns, by sector & size (2026-Q1)

By sector

By market cap

By region

By industry group GICS — finer than sector

Top holdings

Sector allocation over time · how the GICS mix & top names shifted quarter by quarter

Style box · size × value-growth placement of the reported book (2026-Q1), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

Contribution holdings-based, any period

Holdings· 615 positions (2026-Q1) · largest first · Δ vs 2025-Q4

Position trends· top 15 holdings · shares held over 6 quarters

Betterment LLC