Betterment LLC

CIK

1633901

Location

NEW YORK, NY

Portfolio Value

Large $12,019,489,544

Diversification

Highly concentrated

Filing Date

Global Rank

#414 / 8,517 ▼ 8

Top Industry

Semiconductors 20.3%

3Y Alpha vs SPY

-6.7%

Period ended 46 days ago

Filed Aug 14, 2026 · 1d

26 quarters · since Mar 2020

Clone Performance

Aug 2023–Aug 2026 · vs SPY

Hypothetical growth of buying every stock this filer reported holding, rebalancing on each filing and indexed to the same start. Option positions cannot be bought this way and are left out.

Cloned portfolio

+47.7%

SPY

+75.3%

Annualised alpha

-6.7%

Max drawdown

−12.0%

Estimate. 13F holdings are quarter-lagged, so the clone rebalances about 45 days after each period end — when the filing becomes public — and it excludes option and short positions. Returns use comparable raw closes and exclude dividends; a captured split can shorten the simulated window. It tracks 100% of reported value on average across 13 quarters. Past performance does not predict future results.

Portfolio Concentration

153 tracked positions · as of Jun 30, 2026 · Δ vs Mar 31, 2026

Top Position

82.2%

+0.6 pts

Top 5

96.6%

−0.3 pts

Top 10

98.0%

−0.3 pts

HHI

6,858

Highly concentrated+90

Portfolio Trend

26 quarters · across all stocks

Sector Breakdown

As of Jun 30, 2026

Sector	% Portfolio	Value	Positions
Unclassified	99.2%	$11,918,202,087	63
Technology	0.4%	$48,298,031	34
Communication Services	0.1%	$13,714,881	5
Consumer Cyclical	0.1%	$12,493,569	9
Industrials	0.1%	$8,441,585	14
Financial Services	0.1%	$7,368,406	10
Consumer Defensive	0.0%	$5,062,305	4
Healthcare	0.0%	$2,402,521	6
Energy	0.0%	$2,328,889	4
Utilities	0.0%	$845,144	2
Real Estate	0.0%	$332,126	2

Last Quarter's Activity

Export CSV

Jun 30, 2026 vs Mar 31, 2026

Added To

Positions the filer increased

25 positions

Ticker	Company	Δ Shares	Shares	Value
BNDX	Vanguard Total International Bond ETF	+900,942	20,301,516	$983,202,419
VEA	Vanguard FTSE Developed Markets ETF	+796,375	138,727,174	$9,884,311,147
GBIL	Goldman Sachs Access Treasury 0-1 Year ETF	+160,877	6,260,043	$627,005,906
BTC	Grayscale Bitcoin Mini Trust ETF	+112,584	385,238	$9,996,926
CGBL	Capital Group Core Balanced ETF	+92,455	422,613	$16,042,389
ETH	Grayscale Ethereum Staking Mini ETF	+64,969	119,446	$1,795,273
CGIC	Capital Group International Core Equity ETF	+38,100	87,857	$3,197,116
BNDW	Vanguard Total World Bond ETF	+36,992	408,910	$28,022,602
VZ	Verizon Communications Inc	+35,471	41,612	$1,761,852
VXUS	Vanguard Total International Stock ETF	+33,059	468,494	$40,051,552
RIVN	Rivian Automotive, Inc. / DE	+20,194	48,803	$846,732
PPLT	abrdn Platinum ETF Trust	+19,112	21,481	$303,526
CGDG	Capital Group Dividend Growers ETF	+18,000	93,490	$3,506,809
VIG	Vanguard Dividend Appreciation ETF	+13,853	172,908	$40,913,490
NVDA	Nvidia Corp	+13,738	44,365	$8,876,992
FETH	Fidelity Ethereum Fund	+9,953	26,055	$410,105
PALL	abrdn Palladium ETF Trust	+9,780	12,266	$270,833
CGNG	Capital Group New Geography Equity ETF	+7,736	14,733	$551,898
AAPL	Apple Inc.	+7,606	43,524	$12,594,104
VBIL	Vanguard 0-3 Month Treasury Bill ETF	+7,471	12,094	$915,273
FNDA	Schwab Fundamental U.S. Small Company ETF	+6,779	56,615	$2,154,766
ETHW	Bitwise Ethereum ETF	+6,182	141,463	$1,595,702
BIV	Vanguard Intermediate-Term Bond ETF	+5,492	315,442	$24,194,401
IAUM	iShares Gold Trust Micro	+5,224	22,776	$911,267
INTC	Intel Corp	+5,089	11,676	$1,630,319
No positions match the current search.

Trimmed

Positions the filer reduced

25 positions

Ticker	Company	Δ Shares	Shares	Value
IBIT	iShares Bitcoin Trust ETF	−70,978	1,069,608	$35,607,250
ETHA	iShares Ethereum Trust ETF	−53,583	596,530	$0
VIGI	Vanguard International Dividend Appreciation ETF	−11,993	108,838	$10,163,292
RKLB	Rocket Lab Corp	−9,844	4,464	$453,765
QQQ	Invesco Qqq Trust, Series 1	−7,267	59,372	$43,721,540
VB	Vanguard Morningstar Small-Cap ETF	−5,248	225,580	$68,377,809
SLV	iShares Silver Trust	−4,893	26,085	$1,394,764
VEU	Vanguard FTSE All-World Ex-US ETF	−3,998	32,330	$2,707,637
ONDS	Ondas Inc.	−3,936	14,940	$123,105
BAI	iShares A.I. Innovation and Tech Active ETF	−3,159	13,218	$696,852
BIL	State Street SPDR Bloomberg 1-3 Month T-Bill ETF	−3,040	16,976	$1,555,680
DCOR	Dimensional US Core Equity 1 ETF	−1,210	341,912	$28,029,945
BIBL	Inspire 100 ETF	−1,093	3,489	$201,943
WDC	Western Digital Corp	−1,047	1,338	$854,607
CWI	State Street SPDR MSCI ACWI ex-US ETF	−897	11,279	$458,716
ACIO	Aptus Collared Investment Opportunity ETF	−818	20,621	$951,452
DYTA	SGI Dynamic Tactical ETF	−671	37,574	$1,193,951
IVOG	Vanguard S&P Mid-Cap 400 Growth ETF	−608	5,792	$847,369
STX	Seagate Technology Holdings plc	−476	522	$503,730
ASHR	Xtrackers Harvest CSI 300 China A-Shares ETF	−426	15,465	$566,946
JNJ	Johnson & Johnson	−351	2,185	$554,924
XOM	ExxonMobil Holdings Corp	−321	4,030	$550,981
IBB	iShares Biotechnology ETF	−260	1,064	$202,362
KO	Coca Cola Co	−193	2,620	$212,927
SNDK	Sandisk Corp	−173	408	$927,681
No positions match the current search.

New Positions

Positions the filer opened this quarter

25 positions

Ticker	Company	Shares	Value
SPCX	Space Exploration Technologies Corp	13,978	$2,388,281
FIX	Comfort Systems USA Inc	695	$1,377,455
BE	Bloom Energy Corp	4,400	$1,331,880
STNG	Scorpio Tankers Inc.	15,338	$1,062,309
AIRR	First Trust RBA American Industrial Renaissance ETF	5,220	$695,565
MRVL	Marvell Technology, Inc.	2,028	$604,120
IBM	International Business Machines Corp	1,706	$479,744
AMAT	Applied Materials Inc /De	646	$467,058
NOW	ServiceNow, Inc.	4,624	$459,070
KLAC	Kla Corp	1,200	$362,052
DELL	Dell Technologies Inc.	832	$358,974
VRT	Vertiv Holdings Co	1,049	$351,226
NEE	Nextera Energy Inc	3,795	$333,087
VCRM	Vanguard Core Tax-Exempt Bond ETF	4,338	$331,423
GLW	Corning Inc /Ny	1,263	$322,608
MSTR	Strategy Inc	3,561	$309,557
LRCX	Lam Research Corp	700	$303,331
RMBS	Rambus Inc	2,258	$299,726
UBER	Uber Technologies, Inc	3,967	$286,258
ANET	Arista Networks, Inc.	1,680	$285,398
O	Realty Income Corp	4,600	$285,016
CSCO	Cisco Systems, Inc.	2,401	$282,021
GEV	GE Vernova Inc.	234	$274,917
IONQ	IonQ, Inc.	5,054	$269,176
QCOM	Qualcomm Inc/De	1,440	$266,097
No positions match the current search.

Sold Out

Positions the filer fully exited

6 positions

Ticker	Company	Shares	Value
PEP	Pepsico Inc	1,654	$256,849
FCX	Freeport-Mcmoran Inc	4,200	$246,876
COP	Conocophillips	1,764	$232,848
TPHD	Timothy Plan High Dividend Stock ETF	5,574	$230,540
OUNZ	VanEck Merk Gold ETF	4,584	$206,509
BYND	Beyond Meat, Inc.	10,905	$8
No positions match the current search.

Portfolio Positions

Compact Export CSV View 13F filing

153 tracked positions · $12,019,489,544 total · filing declares 675 positions · $59,125,356 · as of Jun 30, 2026

All sectors Communication Services Consumer Cyclical Consumer Defensive Energy Financial Services Healthcare Industrials Real Estate Technology Utilities

Showing 1–50 of 153 positions by value · page 1 of 4

Ticker	Company	Type	Shares	Δ Shares	Value (USD)	% Δ Value	% of Portfolio
VEA	Vanguard FTSE Developed Markets ETF	Added	138,727,174	+796,375	$9,884,311,147	+11.8%	82.24%
BNDX	Vanguard Total International Bond ETF	Added	20,301,516	+900,942	$983,202,419	+5.5%	8.18%
GBIL	Goldman Sachs Access Treasury 0-1 Year ETF	Added	6,260,043	+160,877	$627,005,906	+2.6%	5.22%
VB	Vanguard Morningstar Small-Cap ETF	Reduced	225,580	-5,248	$68,377,809	+13.1%	0.57%
QQQ	Invesco Qqq Trust, Series 1	Reduced	59,372	-7,267	$43,721,540	+13.7%	0.36%
VIG	Vanguard Dividend Appreciation ETF	Added	172,908	+13,853	$40,913,490	+19.6%	0.34%
VXUS	Vanguard Total International Stock ETF	Added	468,494	+33,059	$40,051,552	+19.3%	0.33%
IBIT	iShares Bitcoin Trust ETF	Reduced	1,069,608	-70,978	$35,607,250	−18.7%	0.30%
DCOR	Dimensional US Core Equity 1 ETF	Reduced	341,912	-1,210	$28,029,945	+13.3%	0.23%
BNDW	Vanguard Total World Bond ETF	Added	408,910	+36,992	$28,022,602	+10.2%	0.23%
BIV	Vanguard Intermediate-Term Bond ETF	Added	315,442	+5,492	$24,194,401	+1.1%	0.20%
SPY	Spdr S&P 500 ETF Trust	Added	23,386	+1,306	$17,463,963	+21.6%	0.15%
CGBL	Capital Group Core Balanced ETF	Added	422,613	+92,455	$16,042,389	+41.2%	0.13%
AAPL	Apple Inc. Technology	Added	43,524	+7,606	$12,594,104	+38.2%	0.10%
VIGI	Vanguard International Dividend Appreciation ETF	Reduced	108,838	-11,993	$10,163,292	−4.9%	0.08%
BTC	Grayscale Bitcoin Mini Trust ETF	Added	385,238	+112,584	$9,996,926	+22.3%	0.08%
GOOGL	Alphabet Inc. Communication Services	Added	26,356	+3,040	$9,357,189	+39.8%	0.08%
NVDA	Nvidia Corp Technology	Added	44,365	+13,738	$8,876,992	+66.2%	0.07%
GLD	Spdr Gold Trust	Added	15,727	+334	$5,793,512	−12.5%	0.05%
AMZN	Amazon Com Inc Consumer Cyclical	Added	20,765	+3,349	$4,949,130	+36.4%	0.04%
MSFT	Microsoft Corp Technology	Added	13,255	+2,289	$4,944,380	+21.8%	0.04%
TSLA	Tesla, Inc. Consumer Cyclical	Added	10,158	+1,716	$4,272,454	+36.1%	0.04%
CGDV	Capital Group Dividend Value ETF	Added	82,267	+134	$4,054,117	+16.0%	0.03%
BITB	Bitwise Bitcoin ETF	Added	111,402	+2,107	$3,549,267	−11.8%	0.03%
CGDG	Capital Group Dividend Growers ETF	Added	93,490	+18,000	$3,506,809	+29.4%	0.03%
MU	Micron Technology Inc Technology	Added	2,849	+918	$3,288,572	+404.1%	0.03%
COST	Costco Wholesale Corp /New Consumer Defensive	Added	3,451	+1,319	$3,228,306	+52.0%	0.03%
CGIC	Capital Group International Core Equity ETF	Added	87,857	+38,100	$3,197,116	+94.1%	0.03%
VXF	Vanguard Extended Market ETF	Added	12,066	+204	$2,970,769	+21.7%	0.02%
VEU	Vanguard FTSE All-World Ex-US ETF	Reduced	32,330	-3,998	$2,707,637	−0.8%	0.02%
SPCX	Space Exploration Technologies Corp Industrials	NEW	13,978	NEW	$2,388,281	NEW	0.02%
IAU	Ishares Gold Trust	Added	30,972	+4,417	$2,338,695	−0.1%	0.02%
AVGO	Broadcom Inc. Technology	Added	6,173	+2,297	$2,331,850	+94.4%	0.02%
FNDA	Schwab Fundamental U.S. Small Company ETF	Added	56,615	+6,779	$2,154,766	+33.3%	0.02%
BRK-B	Berkshire Hathaway Inc Financial Services	Added	4,149	+541	$2,076,118	+20.1%	0.02%
AMD	Advanced Micro Devices Inc Technology	Added	3,128	+195	$1,817,086	+204.5%	0.02%
ETH	Grayscale Ethereum Staking Mini ETF	Added	119,446	+64,969	$1,795,273	+65.9%	0.01%
VZ	Verizon Communications Inc Communication Services	Added	41,612	+35,471	$1,761,852	+471.5%	0.01%
GLDM	World Gold Trust	Added	20,687	+2,537	$1,642,961	−2.3%	0.01%
INTC	Intel Corp Technology	Added	11,676	+5,089	$1,630,319	+460.9%	0.01%
ETHW	Bitwise Ethereum ETF	Added	141,463	+6,182	$1,595,702	−21.4%	0.01%
BIL	State Street SPDR Bloomberg 1-3 Month T-Bill ETF	Reduced	16,976	-3,040	$1,555,680	−15.2%	0.01%
AGGY	WisdomTree Yield Enhanced U.S. Aggregate Bond Fund	Added	35,708	+1,858	$1,552,583	+5.6%	0.01%
GS	Goldman Sachs Group Inc Financial Services	Added	1,534	+39	$1,551,441	+22.7%	0.01%
AAXJ	iShares MSCI All Country Asia ex Japan ETF	Added	12,648	+1,266	$1,509,285	+37.7%	0.01%
META	Meta Platforms, Inc. Communication Services	Added	2,578	+495	$1,452,161	+21.9%	0.01%
SLV	iShares Silver Trust	Reduced	26,085	-4,893	$1,394,764	−33.9%	0.01%
FIX	Comfort Systems USA Inc Industrials	NEW	695	NEW	$1,377,455	NEW	0.01%
DIA	Spdr Dow Jones Industrial Average ETF Trust	Added	2,582	+95	$1,348,810	+17.1%	0.01%
BE	Bloom Energy Corp Industrials	NEW	4,400	NEW	$1,331,880	NEW	0.01%

Covers the securities this platform tracks: U.S.-listed common stock and the put/call positions reported on it. A 13F can also report security types outside that coverage — preferred shares, bonds, warrants, untracked share classes — so the filing's own declared total can exceed the figures above. The source filing is linked at the top of this table.