Betterment LLC
Annual return '25
+14.7%
SPY '25
+17.7%
Alpha
-3.1ptsvs SPY
Invested
$52.8M
Holdings
623
Trades YTD
0
Performance · Fund vs SPY
Cumulative return · quarterly snapshotsCoverage 96%. 4 quarters of 2025 measured against SPY adj-close benchmark.
Top holdings · current snapshot
Source: 13F-HR01
$VEA
VANGUARD TAX MANAGED INTL FD
Q1 2026: Sold 0.8% (75.5k → 74.9k shares)
16.7%
02
$VTI
VANGUARD INDEX FDS
Q1 2026: Sold 1.1% (44.6k → 44.1k shares)
14.9%
03
$SPYM
SPDR State Street Global Advisors
Q4 2025: New position (2.2k shares)
13.3%
04
$VWO
VANGUARD INTL EQUITY INDEX F
Q1 2026: Sold 5.0% (18.4k → 17.5k shares)
5.5%
05
$AGG
ISHARES TR
Q1 2026: Sold 96.2% (421 → 16 shares)
4.5%
06
$MUB
ISHARES TR
Held since at least Q1 2024
3.9%
07
$ITOT
ISHARES TR
Q4 2025: New position (1.7k shares)
2.9%
08
$SPMD
SPDR State Street Global Advisors
Held since at least Q1 2024
2.3%
09
$VTV
VANGUARD INDEX FDS
Q4 2025: New position (2.7k shares)
1.8%
10
$BNDX
VANGUARD CHARLOTTE FDS
Held since at least Q1 2024
1.8%
Recent trades · Last 90 days
No Form 4 / 13D / 13G trade events on file in the recent window. 13F filers report position snapshots quarterly rather than per-trade events, so this section is most useful for managers who also file Form 4 or 13D/G.
Convergence · Pattern Engine ships in v1.1
30-day windowIn development
Convergence participation lands with the Pattern Engine.
Once the Pattern Engine ships, this section will list every active convergence event this fund is named in — with the other named funds, the Congress members on the same name, and combined position size.
Source data: SEC EDGAR · 13F-HR filings · Performance through 2025-12-31 · Last refreshed 07:51 UTC.