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Betterment LLC
Betterment LLC is a leading American digital investment adviser and wealth management firm headquartered in New York, NY. Founded in 2008 and formally organized in 2009, it pioneered robo-advice technology and now serves over one million clients with a team of approximately 400-450 employees. Betterment provides automated, fiduciary investment advice, retirement planning, cash management, and workplace solutions, primarily serving retail investors, financial advisors, and businesses. The firm's core focus is on using algorithmic portfolio management to democratize and simplify investing, making long-term wealth building accessible for clients of all sizes.
Investment Strategy
Betterment employs a goals-based investment strategy built on globally-diversified portfolios of low-cost exchange-traded funds (ETFs), automated rebalancing, and tax-efficient practices such as tax-loss harvesting. Their proprietary software assists retail clients, advisors, and employers in customizing portfolios to individual risk profiles, investment timelines, and personal values, including socially responsible (ESG) options. Core tenets include fiduciary responsibility, smart automation, and ongoing optimization of portfolio allocations. The platform also enables cash management and retirement solutions for a holistic financial approach, introducing new features and personalized products for various investor needs including taxable accounts, IRAs, 401(k)s, and business plans.
Latest 13F Filing Activity
Betterment LLC filed their most recent 13F report on Jun 30, 2025 disclosing 486 equity positions with a total 13F market value of $47B. The fund increased holdings in SPDR State Street Global Advisors, Vanguard Tax Managed Intl FD, Vanguard Index FDS among other positions. Betterment LLC reduced exposure to Goldman Sachs, Vanguard Charlotte FDS, Ishares TR among others.
Top Holdings
Equity Positions (486)
| Ticker | Security | Weight | Market Value | Shares | Avg Cost | Price | Change (QoQ) |
|---|---|---|---|---|---|---|---|
V VTI | VANGUARD INDEX FDS | 17.02% | $7.99B | 26,303,687 | $150.81 | $303.93 | +$822.6M |
V VEA | VANGUARD TAX MANAGED INTL FD | 16.28% | $7.64B | 134,083,394 | $43.82 | $57.01 | +$833.7M |
S SPLG | SPDR State Street Global Advisors | 11.44% | $5.37B | 73,909,544 | $64.74 | $72.69 | +$1.10B |
V VWO | VANGUARD INTL EQUITY INDEX F | 5.54% | $2.60B | 52,572,127 | $43.03 | $49.46 | +$74.4M |
A AGG | ISHARES TR | 4.87% | $2.29B | 23,067,850 | $102.26 | $99.20 | +$124.3M |
Industry Allocation
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