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RWM

Refined Wealth Management Portfolio holdings

AUM $166M
1-Year Est. Return 6.85%
This Fund
S&P 500
This Quarter Est. Return
-5.62%
1 Year Est. Return
+6.85%
3 Year Est. Return
+76.82%
5 Year Est. Return
+85.04%
10 Year Est. Return
–
AUM
$149M
AUM Growth
-$7.06M
Cap. Flow
+$5.8M
Cap. Flow %
3.91%
Top 10 Hldgs %
75.55%
Holding
44
New
8
Increased
20
Reduced
9
Closed
1

Top Buys

Rank Stock Value
1
VEA icon
Vanguard FTSE Developed Markets ETF
VEA
+$1.04M
2
QQQ icon
Invesco QQQ Trust
QQQ
+$708K
3
BITB icon
Bitwise Bitcoin ETF
BITB
+$655K
4
RSP icon
Invesco S&P 500 Equal Weight ETF
RSP
+$600K
5
VWO icon
Vanguard FTSE Emerging Markets ETF
VWO
+$526K

Top Sells

Rank Stock Value
1
BBBY
Bed Bath & Beyond
BBBY
+$293K
2
BIV icon
Vanguard Intermediate-Term Bond ETF
BIV
+$291K
3
IBIT icon
iShares Bitcoin Trust
IBIT
+$228K
4
VSGX icon
Vanguard ESG International Stock ETF
VSGX
+$151K
5
TLT icon
iShares 20+ Year Treasury Bond ETF
TLT
+$85.5K

Sector Composition

Rank Sector Weight
1 Financials 9.2%
2 Industrials 4.5%
3 Consumer Discretionary 2.56%
4 Technology 1.86%
5 Communication Services 0.33%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
UNP icon
26
Union Pacific
UNP
$178B
$569K 0.38%
2,459
+19
+0.8% +$4.34K
VWO icon
27
Vanguard FTSE Emerging Markets ETF
VWO
$120B
$520K 0.35%
+9,677
New +$526K
META icon
28
Meta Platforms (Facebook)
META
$1.51T
$485K 0.33%
735
+367
+100% +$245K
BRK.B icon
29
Berkshire Hathaway Class B
BRK.B
$1.07T
$432K 0.29%
860
– –
MSFT icon
30
Microsoft
MSFT
$2.89T
$423K 0.28%
+875
New +$438K
TSLA icon
31
Tesla
TSLA
$1.22T
$333K 0.22%
741
+73
+11% +$32.4K
VOT icon
32
Vanguard Mid-Cap Growth ETF
VOT
$19.2B
$319K 0.21%
+1,143
New +$327K
VBK icon
33
Vanguard Small-Cap Growth ETF
VBK
$23.3B
$285K 0.19%
+942
New +$284K
GLDM icon
34
SPDR Gold MiniShares Trust
GLDM
$27.8B
$262K 0.18%
3,072
– –
BND icon
35
Vanguard Total Bond Market
BND
$158B
$261K 0.18%
+3,517
New +$262K
SUSA icon
36
iShares ESG Optimized MSCI USA ETF
SUSA
$3.99B
$252K 0.17%
1,812
-21
-1% -$2.9K
XSOE icon
37
WisdomTree Emerging Markets ex-State-Owned Enterprises Fund
XSOE
$2.02B
$236K 0.16%
6,048
+9
+0.1% +$348
ETN icon
38
Eaton
ETN
$155B
$204K 0.14%
641
– –
AVGO icon
39
Broadcom
AVGO
$1.82T
$201K 0.14%
+581
New +$208K
NXE icon
40
NexGen Energy
NXE
$6.17B
$101K 0.07%
11,000
– –
DNN icon
41
Denison Mines
DNN
$2.64B
$28.9K 0.02%
10,850
– –
BBBY.WS
42
Bed Bath & Beyond Warrants
BBBY.WS
$27.2K 0.02%
+41,161
New +$39.1K
URG
43
Ur-Energy
URG
$489M
$15K 0.01%
10,800
– –
IBIT icon
44
iShares Bitcoin Trust
IBIT
$48.2B
– –
-3,510
Closed -$228K
1
2

Similar funds

CFG
Copley Financial Group San Diego, California $166M AUM 26.42% 1-Year Est. Return
FOFP
Fee-Only Financial Planning Okatie, South Carolina $166M AUM 17.65% 1-Year Est. Return
MCM
Moon Capital Management New York $166M AUM 54.85% 1-Year Est. Return
LWP
LFG Wealth Partners Elizabethtown, Kentucky $166M AUM
E3F
Eight 31 Financial Midland, Texas $166M AUM 8.23% 1-Year Est. Return
LF
Lighthouse Financial Largo, Florida $166M AUM 27.11% 1-Year Est. Return
LM
Luminus Management Houston, Texas $166M AUM 75.95% 1-Year Est. Return
SHC
SALT Holding Corp Wilmington, Delaware $165M AUM 37.3% 1-Year Est. Return

Refined Wealth Management's Q4 2025 Portfolio in Review

As of Q4 2025, Refined Wealth Management held 44 positions worth $149M, down 4.5% from $156M the previous quarter. Its ten largest holdings account for 76% of the portfolio.

Refined Wealth Management deployed $5.8M of net new capital in Q4 2025, opening 8 new positions and adding to 20 existing holdings. Its largest new stake was Invesco S&P 500 Equal Weight ETF: 3,162 shares worth $606K.

By sector, the portfolio is most concentrated in Financials at 9.2% of assets, down from 13% a quarter earlier, followed by Industrials and Consumer Discretionary.

On the sell side, the largest reduction was Bed Bath & Beyond, an estimated $293K trimmed.

  • Refined Wealth Management's largest Q4 2025 buy was Invesco S&P 500 Equal Weight ETF: 3,162 shares worth $606K.
  • Refined Wealth Management added most to Vanguard FTSE Developed Markets ETF in Q4 2025, an estimated $1.04M increase.
  • Refined Wealth Management's biggest Q4 2025 reduction was Bed Bath & Beyond, cutting an estimated $293K.
  • Refined Wealth Management fully exited iShares Bitcoin Trust in Q4 2025, selling an estimated $228K.
  • Refined Wealth Management's ten largest holdings make up 76% of its $149M portfolio in Q4 2025.
  • Refined Wealth Management opened 8 new positions and closed 1 in Q4 2025.
  • Refined Wealth Management's portfolio value fell 4.5% quarter-over-quarter to $149M.

Based on Refined Wealth Management's 13F filing for Q4 2025, filed 15 Jan 2026.