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Core Portfolio

Core portfolio 10%
As of 12/31/2025. Composite annual time-weighted returns: 20.06% over 1 year, 9.32% over 5 years, and 10.06% over 10 years. Composite performance calculated based on the dollar-weighted average of actual client time-weighted returns for the Core portfolio at 90/10 allocation, net of fees, includes dividend reinvestment, and excludes the impact of cash flows. Performance not guaranteed, investing involves risk.

Core

The Core portfolio is low-cost and designed to generate long-term returns while reducing risk through diversification. Features a broad collection of exchange-traded funds (ETFs) made of thousands of stocks and bonds from around the world.
Who it's for

Investors looking for a globally diversified portfolio providing optimized exposure to stocks and bonds

Holdings

Based on an allocation of 90% stocks, 10% bonds

Additional Resources

Betterment Core Portfolio Strategy Methodology

Core Portfolio Strategy Disclosure

Allocations as of April 2, 2024

This portfolio strategy has 101 different allocation options, from 0% to 100% stocks. The 90% stock, 10% bond portfolio has been selected to display holdings. Different allocations will have different weights of each asset class. Betterment may recommend a different allocation based on various goal inputs tailored to each client, including the time horizon for your goal with the longest period starting at 90% stocks. The holdings shown reflect the portfolio model for tax-deferred accounts, like IRAs or 401(k)s. You can expect differences in taxable accounts.

Taxable, HSA, and IRA portfolios target an operational cash allocation held at Program Banks that does not earn interest; when there are fees, withdrawals, or other portfolio management actions, this cash will be used first. Actual holdings will vary.

Be invested.

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