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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
VSGX icon
1
Vanguard ESG International Stock ETF
VSGX
$6.47B
$17.1M 11.51%
238,673
-2,138
-0.9% -$151K
QQQ icon
2
Invesco QQQ Trust
QQQ
$449B
$15.7M 10.6%
25,626
+1,153
+5% +$708K
BNDX icon
3
Vanguard Total International Bond ETF
BNDX
$82.2B
$15.1M 10.18%
313,035
-468
-0.1% -$23.1K
COIN icon
4
Coinbase
COIN
$44.1B
$13.2M 8.91%
58,518
+462
+0.8% +$138K
VTV icon
5
Vanguard Value ETF
VTV
$189B
$12.4M 8.33%
64,777
-224
-0.3% -$42.1K
BITB icon
6
Bitwise Bitcoin ETF
BITB
$2.49B
$9.5M 6.4%
199,766
+12,038
+6% +$655K
SRLN icon
7
State Street Blackstone Senior Loan ETF
SRLN
$5.3B
$9.08M 6.11%
219,927
+802
+0.4% +$33.1K
BIV icon
8
Vanguard Intermediate-Term Bond ETF
BIV
$28.9B
$7.64M 5.14%
98,070
-3,727
-4% -$291K
GLD icon
9
SPDR Gold Trust
GLD
$132B
$6.56M 4.41%
16,547
+238
+1% +$90.9K
ENVX icon
10
Enovix
ENVX
$923M
$5.91M 3.98%
807,937
+8,647
+1% +$83.8K
VCLT icon
11
Vanguard Long-Term Corporate Bond ETF
VCLT
$8.86B
$5.06M 3.41%
66,754
-945
-1% -$72.9K
TLT icon
12
iShares 20+ Year Treasury Bond ETF
TLT
$42.8B
$5.06M 3.4%
58,006
-956
-2% -$85.5K
VO icon
13
Vanguard Mid-Cap ETF
VO
$107B
$3.88M 2.61%
53,452
+524
+1% +$38.1K
VB icon
14
Vanguard Small-Cap ETF
VB
$79.9B
$3.65M 2.46%
14,167
+75
+0.5% +$19.2K
BBBY
15
Bed Bath & Beyond
BBBY
$512M
$2.28M 1.53%
417,346
-40,318
-9% -$293K
XRPI
16
Volatility Shares Trust XRP ETF
XRPI
$89.8M
$1.84M 1.24%
174,132
+13,281
+8% +$179K
VEA icon
17
Vanguard FTSE Developed Markets ETF
VEA
$227B
$1.57M 1.06%
25,152
+16,948
+207% +$1.04M
NVDA icon
18
NVIDIA
NVDA
$4.76T
$1.27M 0.85%
6,810
+1,925
+39% +$358K
VOO icon
19
Vanguard S&P 500 ETF
VOO
$968B
$1.23M 0.83%
1,966
+3
+0.2% +$1.86K
NULG icon
20
Nuveen ESG Large-Cap Growth ETF
NULG
$2.66B
$1.22M 0.82%
12,510
+5
+0% +$494
AMZN icon
21
Amazon
AMZN
$2.49T
$1.18M 0.8%
5,132
+839
+20% +$192K
AAPL icon
22
Apple
AAPL
$4.95T
$873K 0.59%
3,211
+361
+13% +$96.9K
FTSM icon
23
First Trust Enhanced Short Maturity ETF
FTSM
$6.5B
$852K 0.57%
14,209
-602
-4% -$36.1K
XMAG
24
Defiance Large Cap ex-Mag 7 ETF
XMAG
$164M
$780K 0.53%
34,566
+19,216
+125% +$430K
RSP icon
25
Invesco S&P 500 Equal Weight ETF
RSP
$97.1B
$606K 0.41%
+3,162
New +$600K
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.