Core

The Core portfolio is well-diversified, low-cost, and built for long-term investing. With a broad collection of stocks and bonds from across the world, this portfolio is designed to generate long-term returns while reducing risk through diversification. The Core portfolio also invests more heavily in U.S. companies that are attractively valued relative to their fundamentals.
Who it's for

Investors looking for a well-diversified portfolio with a focus on undervalued companies

Holdings

Based on an allocation of 70% stocks, 30% bonds

U.S. Value Stocks - Small Cap
VBR
4.3%
Int'l Developed Market Stocks
VEA
19.3%
U.S. Value Stocks - Mid Cap
VOE
5.1%
U.S. Total Stock Market
VTI
23.4%
U.S. Value Stocks - Large Cap
VTV
6.2%
Int'l Emerging Market Stocks
VWO
11.6%
U.S. High Quality Bonds
AGG
9.8%
Int'l Developed Market Bonds 10.9%
Int'l Emerging Market Bonds
EMB
5.5%
U.S. Short-Term Treasuries
U.S. Short-Term High Quality Bonds
U.S. Inflation-Protected Bonds 3.8%

Additional Resources

Betterment Portfolio Strategy

Allocations as of Sept. 30, 2022.

This portfolio strategy has 101 different allocation options, from 0% bonds to 100% stocks. The 70% stock, 30% 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. Expect differences in taxable accounts.

Invested with benefits.

  • Tax-smart tools.

    Automated and optimized tax strategies designed to help minimize tax impact on returns.

  • Lower costs.

    Keep more money in your portfolio with low-cost exchange-traded funds (ETFs) and our transparent pricing.

  • Adjusts automatically.

    Your investments are rebalanced as the market moves once at the minimum account balance, with dividends getting reinvested.

Be invested.

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