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 | $40K | — |
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Vanguard Total Stock Market ETF | — | — | — | $6.2M | 25.7% | |
| Vanguard FTSE Developed Markets | — | — | — | $5.2M | 21.9% | |
| SPDR Portfolio S&P 500 ETF | — | — | — | $3.6M | 15.1% | |
| iShares Core Total US Bond Market ETF | — | — | — | $2.1M | 8.9% |
| Vanguard FTSE Emerging Markets | — | — | — | $1.8M | 7.6% |
| SPDR Portfolio S&P 400 Mid Cap | — | — | — | $1.2M | 5.0% |
| SPDR Portfolio S&P 600 Small Cap ETF | — | — | — | $898K | 3.7% |
| Vanguard Total International Bond ETF | — | — | — | $500K | 2.1% |
| iShares Emerging Markets USD Bond ETF | — | — | — | $430K | 1.8% |
| Goldman Sachs ActiveBeta US Large Cap Equity | — | — | — | $315K | 1.3% |
| SPDR S&P Kensho New Economies Composite ETF | — | — | — | $183K | 0.8% |
| Vanguard Value ETF | — | — | — | $172K | 0.7% |
| Vanguard Small-Cap Value ETF | — | — | — | $151K | 0.6% |
| Vanguard Mid-Cap Value ETF | — | — | — | $145K | 0.6% |
| iShares 0-5 Year TIPS Bond ETF | — | — | — | $132K | 0.5% |
| Goldman Sachs TreasuryAccess 01 Year ETF | — | — | — | $105K | 0.4% |
| JPMorgan Ultra-Short Income | — | — | — | $77K | 0.3% |
| Goldman Sachs ActiveBeta International Equity | — | — | — | $75K | 0.3% |
| iShares ESG Aware MSCI USA ETF | — | — | — | $52K | 0.2% |
| Vanguard U.S. Large-cap Growth Equity ETF | — | — | — | $50K | 0.2% |
| Goldman Sachs ActiveBeta Europe Equity ETF | — | — | — | $42K | 0.2% |
| Vanguard Short-Term Inflation-Protected Securities ETF | — | — | — | $28K | 0.1% |
| iShares ESG Aware MSCI EAFE ETF | — | — | — | $27K | 0.1% |
| Goldman Sachs ActiveBeta Emerging Markets Equity | — | — | — | $25K | 0.1% |
| Goldman Sachs ActiveBeta Japan Equity ETF | — | — | — | $19K | <0.1% |
| Goldman Sachs Access Investment Grade Corporate Bond ETF | — | — | — | $19K | <0.1% |
| Schwab U.S. REIT ETF | — | — | — | $17K | <0.1% |
| Vanguard Dividend Appreciation ETF | — | — | — | $16K | <0.1% |
| Invesco QQQ Trust | — | — | — | $15K | <0.1% |
| Goldman Sachs Access U.S. Aggregate Bond ETF | — | — | — | $14K | <0.1% |
| Goldman Sachs ActiveBeta US Small Cap Equity ETF | — | — | — | $14K | <0.1% |
| iShares ESG Aware MSCI EM ETF | — | — | — | $11K | <0.1% |
| Vanguard LongTerm Government Bond | — | — | — | $10K | <0.1% |
| Vanguard Global ex-U.S. Real Estate ETF | — | — | — | $9K | <0.1% |
| iShares ESG Aware U.S. Aggregate Bond ETF | — | — | — | $9K | <0.1% |
| Goldman Sachs Access Emerging Markets USD Bond ETF | — | — | — | $7K | <0.1% |
| GraniteShares Bloomberg Commodity Broad Strategy No K-1 ETF | — | — | — | $7K | <0.1% |
| TCW Transform 500 ETF | — | — | — | $6K | <0.1% |
| iShares ESG Aware MSCI USA Small-Cap ETF | — | — | — | $5K | <0.1% |
| iShares MSCI ACWI Low Carbon Target ETF | — | — | — | $5K | <0.1% |
| Schwab U.S. Broad Market ETF | — | — | — | $5K | <0.1% |
| Xtrackers USD High Yield Corporate Bond | — | — | — | $4K | <0.1% |
| iShares ESG Aware USD Corporate Bond ETF | — | — | — | $3K | <0.1% |
| SPDR S&P 500 Fossil Fuel Reserves Free ETF | — | — | — | $3K | <0.1% |
| Goldman Sachs Access Inflation Protected USD Bond ETF | — | — | — | $3K | <0.1% |
| iShares Trust iShares USD Green Bond ETF | — | — | — | $2K | <0.1% |
| SPDR MSCI EAFE Fossil Fuel Free ETF | — | — | — | $2K | <0.1% |
| iShares Core MSCI EAFE ETF | — | — | — | $2K | <0.1% |
| iShares Fallen Angels USD Bond ETF | — | — | — | $2K | <0.1% |
| iShares Trust iShares 5-10 Year Investment Grade Corporate Bond ETF | — | — | — | $1K | <0.1% |
| iShares 0-5 Year High Yield Corporate Bond ETF | — | — | — | $863 | <0.1% |
| Goldman Sachs Access High Yield Corporate Bond ETF | — | — | — | $744 | <0.1% |
| iShares Investment Grade Systematic Bond ETF | — | — | — | $731 | <0.1% |
| iShares J.P. Morgan EM High Yield Bond ETF | — | — | — | $727 | <0.1% |
| iShares National AMT-Free Muni Bond ETF | — | — | — | $697 | <0.1% |
| iShares 1-3 Year Treasury Bond ETF | — | — | — | $567 | <0.1% |
| iShares Broad USD High Yield Corporate Bond ETF | — | — | — | $465 | <0.1% |
| iShares High Yield Systematic Bond ETF | — | — | — | $399 | <0.1% |
| iShares 10+ Year Investment Grade Corporate Bond ETF | — | — | — | $298 | <0.1% |
| iShares Treasury Floating Rate Bond ETF | — | — | — | $234 | <0.1% |
| iShares 20 Year Treasury Bond | — | — | — | $161 | <0.1% |
| iShares Short-Term Treasury Bond ETF | — | — | — | $134 | <0.1% |
| iShares Floating Rate Bond ETF | — | — | — | $67 | <0.1% |
| Invesco Emerging Markets Sovereign Debt ETF | — | — | — | $27 | <0.1% |
