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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
+1.54%
1 Year Est. Return
+15.45%
3 Year Est. Return
–
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$259M
AUM Growth
+$35.8M
Cap. Flow
+$32.2M
Cap. Flow %
12.44%
Top 10 Hldgs %
75.64%
Holding
51
New
2
Increased
25
Reduced
2
Closed
2

Top Buys

Rank Stock Value
1
SGOV icon
iShares 0-3 Month Treasury Bond ETF
SGOV
+$6.62M
2
GSLC icon
Goldman Sachs ActiveBeta US Large Cap Equity ETF
GSLC
+$4.82M
3
FLMI icon
Franklin Dynamic Municipal Bond ETF
FLMI
+$4.57M
4
CGMU icon
Capital Group Municipal Income ETF
CGMU
+$2.88M
5
DFNM icon
Dimensional National Municipal Bond ETF
DFNM
+$2.73M

Top Sells

Rank Stock Value
1
SHYM
iShares Short Duration High Yield Muni Active ETF
SHYM
+$610K
2
XLK icon
State Street Technology Select Sector SPDR ETF
XLK
+$203K
3
AMZN icon
Amazon
AMZN
+$39.8K
4
IJH icon
iShares Core S&P Mid-Cap ETF
IJH
+$39.3K

Sector Composition

Rank Sector Weight
1 Technology 1.42%
2 Energy 0.75%
3 Industrials 0.35%
4 Consumer Discretionary 0.27%
5 Communication Services 0.2%
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
$62.6M 24.14%
472,644
+36,749
+8% +$4.82M
VTI icon
2
Vanguard Morningstar Total Stock Market ETF
VTI
$683B
$41.6M 16.05%
124,072
+5,619
+5% +$1.87M
VEA icon
3
Vanguard FTSE Developed Markets ETF
VEA
$234B
$21.4M 8.24%
341,986
+27,196
+9% +$1.67M
SGOV icon
4
iShares 0-3 Month Treasury Bond ETF
SGOV
$100B
$18.4M 7.12%
183,697
+65,881
+56% +$6.62M
IEFA icon
5
iShares Core MSCI EAFE ETF
IEFA
$194B
$11.8M 4.54%
131,595
+13,159
+11% +$1.16M
JPIE icon
6
JPMorgan Income ETF
JPIE
$10.2B
$9.32M 3.6%
201,316
+22,269
+12% +$1.03M
VYM icon
7
Vanguard High Dividend Yield ETF
VYM
$82.6B
$8.73M 3.37%
60,808
+3,875
+7% +$551K
SCHD icon
8
Schwab US Dividend Equity ETF
SCHD
$105B
$8.41M 3.25%
306,674
+439
+0.1% +$11.9K
EVTR icon
9
Eaton Vance Total Return Bond ETF
EVTR
$5.7B
$6.93M 2.67%
134,473
+16,494
+14% +$852K
VCRB icon
10
Vanguard Core Bond ETF
VCRB
$7.19B
$6.89M 2.66%
88,421
+11,089
+14% +$869K
FLMI icon
11
Franklin Dynamic Municipal Bond ETF
FLMI
$2.32B
$6.48M 2.5%
260,442
+183,905
+240% +$4.57M
VB icon
12
Vanguard Morningstar Small-Cap ETF
VB
$82.3B
$6.36M 2.45%
24,650
+1,550
+7% +$397K
JEPI icon
13
JPMorgan Equity Premium Income ETF
JEPI
$45.7B
$5.6M 2.16%
97,787
+7,325
+8% +$418K
CGMU icon
14
Capital Group Municipal Income ETF
CGMU
$6.44B
$4.49M 1.73%
164,085
+105,319
+179% +$2.88M
AGG icon
15
iShares Core US Aggregate Bond ETF
AGG
$138B
$4.44M 1.71%
44,448
+2,743
+7% +$275K
DFNM icon
16
Dimensional National Municipal Bond ETF
DFNM
$2.23B
$4.25M 1.64%
88,305
+56,568
+178% +$2.73M
HELO icon
17
JPMorgan Hedged Equity Laddered Overlay ETF
HELO
$4.7B
$4.24M 1.64%
63,799
+2,638
+4% +$173K
VTEB icon
18
Vanguard Tax-Exempt Bond Index Fund
VTEB
$45.2B
$3.68M 1.42%
73,132
+15,295
+26% +$770K
VXUS icon
19
Vanguard Total International Stock ETF
VXUS
$158B
$3.11M 1.2%
41,273
+3,624
+10% +$271K
SCHB icon
20
Schwab US Broad Market ETF
SCHB
$44.7B
$2.9M 1.12%
110,748
+500
+0.5% +$13K
SUB icon
21
iShares Short-Term National Muni Bond ETF
SUB
$11.3B
$2.63M 1.01%
24,606
+1,025
+4% +$109K
AAPL icon
22
Apple
AAPL
$4.52T
$2.42M 0.93%
8,887
+436
+5% +$117K
VOO icon
23
Vanguard S&P 500 ETF
VOO
$1.01T
$1.3M 0.5%
2,070
+813
+65% +$505K
IVV icon
24
iShares Core S&P 500 ETF
IVV
$900B
$941K 0.36%
1,374
– –
MSFT icon
25
Microsoft
MSFT
$3.66T
$914K 0.35%
1,890
– –
1
2 3

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4WM
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HMP
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SIIL
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ONPI
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AWM
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Penney Financial's Q4 2025 Portfolio in Review

As of Q4 2025, Penney Financial held 51 positions worth $259M, up 16% from $223M the previous quarter. Its ten largest holdings account for 76% of the portfolio.

Penney Financial deployed $32.2M of net new capital in Q4 2025, opening 2 new positions and adding to 25 existing holdings. Its largest new stake was Alphabet (Google) Class A: 829 shares worth $259K.

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

On the sell side, the largest reduction was Amazon, an estimated $39.8K trimmed.

  • Penney Financial's largest Q4 2025 buy was Alphabet (Google) Class A: 829 shares worth $259K.
  • Penney Financial added most to iShares 0-3 Month Treasury Bond ETF in Q4 2025, an estimated $6.62M increase.
  • Penney Financial's biggest Q4 2025 reduction was Amazon, cutting an estimated $39.8K.
  • Penney Financial fully exited iShares Short Duration High Yield Muni Active ETF in Q4 2025, selling an estimated $610K.
  • Penney Financial's ten largest holdings make up 76% of its $259M portfolio in Q4 2025.
  • Penney Financial opened 2 new positions and closed 2 in Q4 2025.
  • Penney Financial's portfolio value rose 16% quarter-over-quarter to $259M.

Based on Penney Financial's 13F filing for Q4 2025, filed 21 Jan 2026.