Holdings are itemized directly on this plan's Schedule of Assets, below.
| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| BETTERMENT FOR BUSINESS, LLC | 47-4872674 | NEW YORK, NY | RECORDKEEPER | $31K | — |
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Total Stock Market ETF | — | — | — | $2.9M | 22.5% | |
| Vanguard Emerging Markets Government Bond ETF ** 174 Vanguard FTSE Developed Markets | — | — | — | $2.8M | 22.1% | |
| SPDR Portfolio S&P 500 ETF | — | — | — | $2.5M | 19.6% | |
| Vanguard FTSE Emerging Markets | — | — | — | $1000K | 7.8% |
| iShares ESG Aware MSCI EM ETF ** 483 iShares ESG Aware MSCI USA ETF ** 248 iShares ESG Aware MSCI USA Small-Cap ETF | — | — | — | $921K | 7.2% |
| SPDR Portfolio S&P 400 Mid Cap | — | — | — | $657K | 5.1% |
| SPDR Portfolio S&P 600 Small Cap ETF | — | — | — | $505K | 3.9% |
| Vanguard Total International Bond ETF | — | — | — | $194K | 1.5% |
| iShares ESG Aware U.S. Aggregate Bond ETF | — | — | — | $171K | 1.3% |
| Vanguard Value ETF | — | — | — | $169K | 1.3% |
| Goldman Sachs Emerging Markets Sovereign Debt ETF | — | — | — | $97K | 0.8% |
| Vanguard Mid-Cap Value ETF | — | — | — | $80K | 0.6% |
| Goldman Sachs 0-5 Year TIPS Bond ETF | — | — | — | $79K | 0.6% |
| Vanguard Small-Cap Value ETF | — | — | — | $72K | 0.6% |
| VanEck Fallen Angel High Yield Bond ETF ** 328 Vanguard Dividend Appreciation ETF | — | — | — | $46K | 0.4% |
| Invesco Emerging Markets USD Bond ETF | — | — | — | $39K | 0.3% |
| party maturity value Cost Current value Schwab U.S. Broad Market ETF | — | — | — | $38K | 0.3% |
| iShares ESG Aware MSCI EAFE ETF | — | — | — | $38K | 0.3% |
| Schwab U.S. REIT ETF | — | — | — | $34K | 0.3% |
| SPDR S&P Kensho New Economies Composite ETF | — | — | — | $31K | 0.2% |
| iShares National AMT-Free Muni Bond ETF ** 560 iShares S&P Mid-Cap Value ETF ** 184 iShares Trust iShares USD Green Bond ETF ** 505 iShares Ultra-Short Income | — | — | — | $30K | 0.2% |
| Xtrackers USD High Yield Corporate Bond | — | — | — | $28K | 0.2% |
| Goldman Sachs TreasuryAccess 01 Year ETF | — | — | — | $22K | 0.2% |
| JPMorgan U.S. Large-Cap Value ETF | — | — | — | $21K | 0.2% |
| Vanguard U.S. Large-cap Growth Equity ETF | — | — | — | $17K | 0.1% |
| Goldman Sachs ActiveBeta US Small Cap Equity ETF | — | — | — | $14K | 0.1% |
| SPDR S&P 500 Fossil Fuel Reserves Free ETF | — | — | — | $12K | <0.1% |
| GraniteShares Bloomberg 7-10 Year Treasury Bond ETF | — | — | — | $12K | <0.1% |
| Goldman Sachs ActiveBeta International Equity | — | — | — | $11K | <0.1% |
| Goldman Sachs ActiveBeta US Large Cap Equity | — | — | — | $8K | <0.1% |
| SPDR MSCI EAFE Fossil Fuel Free ETF | — | — | — | $8K | <0.1% |
| party maturity value Cost Current value Mutual funds Goldman Sachs TCW Opportunistic Fixed Income ETF | — | — | — | $6K | <0.1% |
| iShares U.S. Large-Cap ETF | — | — | — | $6K | <0.1% |
| Goldman Sachs Commodity Broad Strategy No K-1 ETF | — | — | — | $6K | <0.1% |
| Vanguard Large-Cap ETF - DNQ | — | — | — | $6K | <0.1% |
| Goldman Sachs QQQ Trust | — | — | — | $5K | <0.1% |
| iShares iBoxx $ Investment Grade Corporate Bond ETF | — | — | — | $5K | <0.1% |
| Vanguard LongTerm Government Bond | — | — | — | $5K | <0.1% |
| iShares U.S. Broad Market ETF | — | — | — | $5K | <0.1% |
| Schwab U.S. Large-Cap ETF | — | — | — | $5K | <0.1% |
| Vanguard Global ex-U.S. Real Estate ETF | — | — | — | $4K | <0.1% |
| TCW Transform 500 ETF | — | — | — | $4K | <0.1% |
| Vanguard Short-Term Inflation-Protected Securities ETF | — | — | — | $4K | <0.1% |
| First Trust Access Emerging Markets USD Bond ETF ** 330 Goldman Sachs Access Investment Grade Corporate Bond ETF | — | — | — | $4K | <0.1% |
| iShares MSCI ACWI Lo Carbon Target ETF | — | — | — | $4K | <0.1% |
| Vanguard Mid-Cap Growth ETF | — | — | — | $4K | <0.1% |
| SPDR MSCI Emerging Markets Fossil Fuel Free ETF | — | — | — | $3K | <0.1% |
| iShares International Equity ETF | — | — | — | $3K | <0.1% |
| Vanguard International Dividend Appreciation Index Fund | — | — | — | $3K | <0.1% |
| iShares ESG Aware USD Corporate Bond ETF | — | — | — | $3K | <0.1% |
| Goldman Sachs ActiveBeta Emerging Markets Equity | — | — | — | $2K | <0.1% |
| WisdomTree Emerging Markets ex-State-Owned Enterprises Fun | — | — | — | $2K | <0.1% |
| Vanguard Small-Cap Growth ETF - DNQ | — | — | — | $1K | <0.1% |
| iShares iBoxx High Yield Corporate Bond | — | — | — | $1K | <0.1% |
| Goldman Sachs Access U.S. Aggregate Bond ETF | — | — | — | $1K | <0.1% |
