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PF

Penney Financial Portfolio holdings

AUM $286M
1-Year Est. Return 15.45%
This Fund
S&P 500
This Quarter Est. Return
+5.32%
1 Year Est. Return
+15.45%
3 Year Est. Return
–
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$223M
AUM Growth
+$26.6M
Cap. Flow
+$15.7M
Cap. Flow %
7.05%
Top 10 Hldgs %
77.71%
Holding
51
New
9
Increased
21
Reduced
6
Closed
2

Top Buys

Rank Stock Value
1
SGOV icon
iShares 0-3 Month Treasury Bond ETF
SGOV
+$3.81M
2
FLMI icon
Franklin Dynamic Municipal Bond ETF
FLMI
+$1.86M
3
CGMU icon
Capital Group Municipal Income ETF
CGMU
+$1.58M
4
DFNM icon
Dimensional National Municipal Bond ETF
DFNM
+$1.51M
5
IEFA icon
iShares Core MSCI EAFE ETF
IEFA
+$1.39M

Top Sells

Rank Stock Value
1
IWF icon
iShares Russell 1000 Growth ETF
IWF
+$468K
2
IVV icon
iShares Core S&P 500 ETF
IVV
+$309K
3
KMI icon
Kinder Morgan
KMI
+$276K
4
GVA icon
Granite Construction
GVA
+$103K
5
VB icon
Vanguard Morningstar Small-Cap ETF
VB
+$39.7K

Sector Composition

Rank Sector Weight
1 Technology 1.55%
2 Energy 0.92%
3 Industrials 0.41%
4 Consumer Discretionary 0.32%
5 Financials 0.19%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
GSLC icon
1
Goldman Sachs ActiveBeta US Large Cap Equity ETF
GSLC
$15.5B
$56.8M 25.43%
435,895
+8,095
+2% +$1.02M
VTI icon
2
Vanguard Morningstar Total Stock Market ETF
VTI
$683B
$38.9M 17.41%
118,453
+3,352
+3% +$1.06M
VEA icon
3
Vanguard FTSE Developed Markets ETF
VEA
$234B
$18.9M 8.45%
314,790
+6,742
+2% +$393K
SGOV icon
4
iShares 0-3 Month Treasury Bond ETF
SGOV
$100B
$11.9M 5.31%
117,816
+37,850
+47% +$3.81M
IEFA icon
5
iShares Core MSCI EAFE ETF
IEFA
$194B
$10.3M 4.63%
118,436
+16,379
+16% +$1.39M
SCHD icon
6
Schwab US Dividend Equity ETF
SCHD
$105B
$8.36M 3.74%
306,235
+9,831
+3% +$268K
JPIE icon
7
JPMorgan Income ETF
JPIE
$10.2B
$8.31M 3.72%
179,047
+8,502
+5% +$394K
VYM icon
8
Vanguard High Dividend Yield ETF
VYM
$82.6B
$8.02M 3.59%
56,933
+142
+0.3% +$19.5K
EVTR icon
9
Eaton Vance Total Return Bond ETF
EVTR
$5.7B
$6.07M 2.72%
117,979
+4,857
+4% +$248K
VCRB icon
10
Vanguard Core Bond ETF
VCRB
$7.19B
$6.06M 2.72%
77,332
+3,504
+5% +$272K
VB icon
11
Vanguard Morningstar Small-Cap ETF
VB
$82.3B
$5.87M 2.63%
23,100
-160
-0.7% -$39.7K
JEPI icon
12
JPMorgan Equity Premium Income ETF
JEPI
$45.7B
$5.17M 2.31%
90,462
+4,138
+5% +$235K
AGG icon
13
iShares Core US Aggregate Bond ETF
AGG
$138B
$4.18M 1.87%
41,705
+1,539
+4% +$153K
HELO icon
14
JPMorgan Hedged Equity Laddered Overlay ETF
HELO
$4.7B
$3.98M 1.78%
61,161
+3,963
+7% +$253K
VTEB icon
15
Vanguard Tax-Exempt Bond Index Fund
VTEB
$45.2B
$2.9M 1.3%
57,837
+3,305
+6% +$162K
SCHB icon
16
Schwab US Broad Market ETF
SCHB
$44.7B
$2.83M 1.27%
110,248
+6,000
+6% +$149K
VXUS icon
17
Vanguard Total International Stock ETF
VXUS
$158B
$2.77M 1.24%
37,649
– –
SUB icon
18
iShares Short-Term National Muni Bond ETF
SUB
$11.3B
$2.52M 1.13%
23,581
+376
+2% +$40.1K
AAPL icon
19
Apple
AAPL
$4.52T
$2.15M 0.96%
8,451
+493
+6% +$111K
FLMI icon
20
Franklin Dynamic Municipal Bond ETF
FLMI
$2.32B
$1.9M 0.85%
+76,537
New +$1.86M
CGMU icon
21
Capital Group Municipal Income ETF
CGMU
$6.44B
$1.6M 0.72%
+58,766
New +$1.58M
DFNM icon
22
Dimensional National Municipal Bond ETF
DFNM
$2.23B
$1.52M 0.68%
+31,737
New +$1.51M
MSFT icon
23
Microsoft
MSFT
$3.66T
$979K 0.44%
1,890
+154
+9% +$78.6K
IVV icon
24
iShares Core S&P 500 ETF
IVV
$900B
$920K 0.41%
1,374
-480
-26% -$309K
IWB icon
25
iShares Russell 1000 ETF
IWB
$49.9B
$870K 0.39%
2,380
– –
1
2 3

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4WM
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SIIL
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Penney Financial's Q3 2025 Portfolio in Review

As of Q3 2025, Penney Financial held 51 positions worth $223M, up 14% from $197M the previous quarter. Its ten largest holdings account for 78% of the portfolio.

Penney Financial deployed $15.7M of net new capital in Q3 2025, opening 9 new positions and adding to 21 existing holdings. Its largest new stake was Franklin Dynamic Municipal Bond ETF: 76,537 shares worth $1.9M.

By sector, the portfolio is most concentrated in Technology at 1.5% of assets, up from 1.4% a quarter earlier, followed by Energy and Industrials.

On the sell side, the largest reduction was iShares Core S&P 500 ETF, an estimated $309K trimmed.

  • Penney Financial's largest Q3 2025 buy was Franklin Dynamic Municipal Bond ETF: 76,537 shares worth $1.9M.
  • Penney Financial added most to iShares 0-3 Month Treasury Bond ETF in Q3 2025, an estimated $3.81M increase.
  • Penney Financial's biggest Q3 2025 reduction was iShares Core S&P 500 ETF, cutting an estimated $309K.
  • Penney Financial fully exited iShares Russell 1000 Growth ETF in Q3 2025, selling an estimated $468K.
  • Penney Financial's ten largest holdings make up 78% of its $223M portfolio in Q3 2025.
  • Penney Financial opened 9 new positions and closed 2 in Q3 2025.
  • Penney Financial's portfolio value rose 14% quarter-over-quarter to $223M.

Based on Penney Financial's 13F filing for Q3 2025, filed 21 Oct 2025.