0001633901-20-000004.txt : 20200514 0001633901-20-000004.hdr.sgml : 20200514 20200514133915 ACCESSION NUMBER: 0001633901-20-000004 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20200331 FILED AS OF DATE: 20200514 DATE AS OF CHANGE: 20200514 EFFECTIVENESS DATE: 20200514 FILER: COMPANY DATA: COMPANY CONFORMED NAME: Betterment LLC CENTRAL INDEX KEY: 0001633901 IRS NUMBER: 800620933 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-16706 FILM NUMBER: 20876795 BUSINESS ADDRESS: STREET 1: 27 WEST 23RD STREET STREET 2: 6TH FLOOR CITY: NEW YORK STATE: NY ZIP: 10010 BUSINESS PHONE: 212-228-1328 MAIL ADDRESS: STREET 1: 8 WEST 24TH STREET, 6TH FLOOR CITY: NEW YORK STATE: NY ZIP: 10010 13F-HR 1 primary_doc.xml 13F-HR LIVE false true false 0001633901 XXXXXXXX 03-31-2020 03-31-2020 Betterment LLC

8 WEST 24TH STREET, 6TH FLOOR NEW YORK NY 10010

13F HOLDINGS REPORT 028-16706 N Benjamin Alden 914-621-8555 Benjamin Alden New York NY 05-14-2020 0 111 16106690 false INFORMATION TABLE 2 BMT13FQ12020.xml VANGUARD INDEX FDS Common 922908769 2809550 21794666 SH SOLE 21794666 0 0 ISHARES TR Common 464287408 87419 908250 SH SOLE 908250 0 0 ISHARES TR Common 464287473 206170 3216887 SH SOLE 3216887 0 0 ISHARES TR Common 464287630 168699 2056558 SH SOLE 2056558 0 0 ISHARES TR Common 464287457 9844 113582 SH SOLE 113582 0 0 VANGUARD TAX MANAGED INTL FD Common 921943858 2378742 71347981 SH SOLE 71347981 0 0 VANGUARD INTL EQUITY INDEX F Common 922042858 1529733 45595633 SH SOLE 45595633 0 0 SPDR SP 500 ETF TR Common 78462F103 493 1913 SH SOLE 1913 0 0 ISHARES TR Common 464288679 820806 7393321 SH SOLE 7393321 0 0 VANGUARD BD INDEX FD INC Common 921937835 164277 1924743 SH SOLE 1924743 0 0 VANGUARD INDEX FDS Common 922908553 1288 18433 SH SOLE 18433 0 0 ISHARES TR Common 464287226 369121 3199450 SH SOLE 3199450 0 0 VANGUARD WHITEHALL FDS INC Common 921946885 110271 1566351 SH SOLE 1566351 0 0 VANGUARD CHARLOTTE FDS Common 92203J407 1030535 18317374 SH SOLE 18317374 0 0 VANGUARD MALVERN FDS Common 922020805 291944 5992292 SH SOLE 5992292 0 0 ISHARES TR Common 464287242 13581 109959 SH SOLE 109959 0 0 ISHARES TR Common 464288414 560339 4958311 SH SOLE 4958311 0 0 ISHARES TR Common 464288356 3895 64366 SH SOLE 64366 0 0 ISHARES TR Common 464288323 1735 30704 SH SOLE 30704 0 0 VANGUARD SCOTTSDALE FDS Common 92206C870 6293 72259 SH SOLE 72259 0 0 SPDR SERIES TRUST Common 78468R721 201648 4032957 SH SOLE 4032957 0 0 ISHARES TR Common 464288281 355537 3677465 SH SOLE 3677465 0 0 Invesco Common 46138E784 6584 275379 SH SOLE 275379 0 0 SCHWAB STRATEGIC TR Common 808524102 362664 6001383 SH SOLE 6001383 0 0 ISHARES TR Common 464287150 695984 12165421 SH SOLE 12165421 0 0 VANGUARD INDEX FDS Common 922908744 803082 9017317 SH SOLE 9017317 0 0 SCHWAB STRATEGIC TR Common 808524409 176989 3997947 SH SOLE 3997947 0 0 VANGUARD INDEX FDS Common 922908512 625911 7699724 SH SOLE 7699724 0 0 ISHARES TR Common 464287705 17258 157245 SH SOLE 157245 0 0 VANGUARD INDEX FDS Common 922908611 536316 6039597 SH SOLE 6039597 0 0 ISHARES TR Common 464287879 273 2735 SH SOLE 2735 0 0 SCHWAB STRATEGIC TR Common 808524805 706637 27346641 SH SOLE 27346641 0 0 ISHARES TR Common 46432F842 166727 3341887 SH SOLE 3341887 0 0 SCHWAB STRATEGIC TR Common 808524706 2836 137065 SH SOLE 137065 0 0 ISHARES INC Common 46434G103 248085 6130098 SH SOLE 6130098 0 0 ISHARES TR Common 464287234 379 11117 SH SOLE 11117 0 0 VANGUARD INTL EQUITY INDEX F Common 922042676 1053 24540 SH SOLE 24540 0 0 ISHARES TR Common 464287200 1824 7058 SH SOLE 7058 0 0 SCHWAB STRATEGIC TR Common 808524847 1015 31001 SH SOLE 31001 0 0 VANGUARD BD INDEX FD INC Common 921937793 4550 42638 SH SOLE 42638 0 0 ISHARES Common 464289479 224 3139 SH SOLE 3139 0 0 ISHARES TR Common 464287440 336 2764 SH SOLE 2764 0 0 VANGUARD INDEX FDS Common 922908751 5492 47574 SH SOLE 475734 0 0 VANGUARD INDEX FDS Common 922908363 35041 147966 SH SOLE 147966 0 0 FIRST TR EXCHANGE TRADED FD Common 33738D101 1745 98114 SH SOLE 98114 0 0 VANGUARD INDEX FDS Common 922908736 12230 78050 SH SOLE 78050 0 0 VANGUARD STAR FD Common 921909768 453 10795 SH SOLE 10795 0 0 VANGUARD ADMIRAL FDS INC Common 921932828 377 3675 SH SOLE 3675 0 0 DBX ETF TR Common 233051879 283 10927 SH SOLE 10927 0 0 SPDR SERIES TRUST Common 78468R663 267 2917 SH SOLE 2917 0 0 Invesco Common 46137V589 494 60752 SH SOLE 60752 0 0 INDEXIQ ETF TR Common 45409B107 950 33375 SH SOLE 33375 0 0 WISDOMTREE TR Common 97717W125 3686 101690 SH SOLE 101690 0 0 VANGUARD BD INDEX FD INC Common 921937819 4434 49637 SH SOLE 49637 0 0 ETFS GOLD TR Common 00326A104 409 26979 SH SOLE 26979 0 0 VANGUARD WHITEHALL FDS INC Common 921946406 680 9606 SH SOLE 9606 0 0 VANGUARD BD INDEX FD INC Common 921937827 8350 101612 SH SOLE 101612 0 0 ISHARES TR Common 464288646 4761 90921 SH SOLE 90921 0 0 SPDR SERIES TRUST Common 78464A292 551 14059 SH SOLE 14059 0 0 ISHARES TR Common 464288588 7720 69902 SH SOLE 69902 0 0 MARKET VECTORS ETF TR Common 92189H409 429 8206 SH SOLE 8206 0 0 ISHARES TR Common 464288653 303 1810 SH SOLE 1810 0 0 ISHARES TR Common 464287432 1279 7754 SH SOLE 7754 0 0 VANGUARD BD INDEX FD INC Common 92206C847 212 2097 SH SOLE 2097 0 0 CAMBRIA ETF TR Common 132061888 2791 169770 SH SOLE 169770 0 0 CAMBRIA ETF TR Common 132061409 2717 176299 SH SOLE 176299 0 0 CAMBRIA ETF TR Common 132061508 14180 622483 SH SOLE 622483 0 0 CAMBRIA ETF TR Common 132061201 1937 76987 SH SOLE 76987 0 0 CAMBRIA ETF TR Common 132061300 987 60723 SH SOLE 60723 0 0 CAMBRIA ETF TR Common 132061706 1107 49033 SH SOLE 49033 0 0 Invesco Common 46090F100 495 41851 SH SOLE 41851 0 0 CAMBRIA ETF TR Common 132061805 2306 101124 SH SOLE 101124 0 0 WISDOMTREE TR Common 97717W547 273 4215 SH SOLE 4215 0 0 VANGUARD BD INDEX FD INC Common 922907746 942 17809 SH SOLE 17809 0 0 VANECK VECTORS TR Common 92189H300 441 15503 SH SOLE 15503 0 0 VANGUARD INDEX FDS Common 921932505 1063 7144 SH SOLE 7144 0 0 VANGUARD INDEX FDS Common 921932703 1032 11060 SH SOLE 11060 0 0 ISHARES TR Common 46432F859 250 4955 SH SOLE 4955 0 0 ISHARES TR Common 464288612 202 1764 SH SOLE 1764 0 0 VANGUARD BD INDEX FD INC Common 92206C771 4645 85222 SH SOLE 85222 0 0 ISHARES TR Common 46435G672 392 7176 SH SOLE 7176 0 0 Goldman Sachs Common 381430503 62247 1192708 SH SOLE 1192708 0 0 Goldman Sachs Common 381430107 26338 1142149 SH SOLE 1142149 0 0 Goldman Sachs Common 381430206 6667 254747 SH SOLE 254747 0 0 ISHARES TR Common 464288513 9476 122957 SH SOLE 122957 0 0 VANGUARD SCOTTSDALE FDS Common 92206C813 4999 51465 SH SOLE 51465 0 0 ISHARES TR Common 464287622 376 2656 SH SOLE 2656 0 0 ISHARES TR Common 464289511 1315 20667 SH SOLE 20667 0 0 Vanguard Common 922908595 860 5723 SH SOLE 5723 0 0 Vanguard Common 922908538 2472 19511 SH SOLE 19511 0 0 iShares Common 464287648 284 1795 SH SOLE 1795 0 0 Goldman Sachs Common 381430529 6048 60013 SH SOLE 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