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Rinkey Investments Portfolio holdings

AUM $425M
1-Year Est. Return 14.99%
This Fund
S&P 500
This Quarter Est. Return
+5.18%
1 Year Est. Return
+14.99%
3 Year Est. Return
+38.43%
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$377M
AUM Growth
+$44.1M
Cap. Flow
+$28.1M
Cap. Flow %
7.46%
Top 10 Hldgs %
53.17%
Holding
130
New
30
Increased
37
Reduced
28
Closed
4

Top Buys

Rank Stock Value
1
TFLO icon
iShares Treasury Floating Rate Bond ETF
TFLO
+$3.28M
2
BND icon
Vanguard Total Bond Market
BND
+$2.44M
3
QQQ icon
Invesco QQQ Trust
QQQ
+$2.37M
4
VEA icon
Vanguard FTSE Developed Markets ETF
VEA
+$2.36M
5
BNDX icon
Vanguard Total International Bond ETF
BNDX
+$2.13M

Top Sells

Rank Stock Value
1
SPAB icon
State Street SPDR Portfolio Aggregate Bond ETF
SPAB
+$752K
2
SPDW icon
State Street SPDR Portfolio Developed World ex-US ETF
SPDW
+$574K
3
INDA icon
iShares MSCI India ETF
INDA
+$369K
4
SPTM icon
State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF
SPTM
+$277K
5
ITA icon
iShares US Aerospace & Defense ETF
ITA
+$217K

Sector Composition

Rank Sector Weight
1 Miscellaneous 87.9%
2 Technology 4.2%
3 Financials 2.65%
4 Communication Services 1.22%
5 Healthcare 1.17%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
TFLO icon
1
iShares Treasury Floating Rate Bond ETF
TFLO
$6.68B
$37.7M 10.01%
745,499
+64,872
+10% +$3.28M
SPDW icon
2
State Street SPDR Portfolio Developed World ex-US ETF
SPDW
$42B
$31M 8.23%
724,901
-13,843
-2% -$574K
SPTM icon
3
State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF
SPTM
$14B
$30.2M 8.01%
374,471
-3,566
-0.9% -$277K
VEA icon
4
Vanguard FTSE Developed Markets ETF
VEA
$238B
$18.8M 4.98%
312,945
+40,421
+15% +$2.36M
VTV icon
5
Vanguard Morningstar Value ETF
VTV
$192B
$16.8M 4.47%
90,265
+8,246
+10% +$1.49M
BNDX icon
6
Vanguard Total International Bond ETF
BNDX
$82.5B
$15.4M 4.08%
310,833
+43,208
+16% +$2.13M
CMF icon
7
iShares California Muni Bond ETF
CMF
$4.62B
$14.3M 3.78%
249,880
+5,622
+2% +$315K
SPAB icon
8
State Street SPDR Portfolio Aggregate Bond ETF
SPAB
$10.3B
$12.5M 3.31%
482,617
-29,366
-6% -$752K
SPTS icon
9
State Street SPDR Portfolio Short Term Treasury ETF
SPTS
$6.1B
$12M 3.17%
407,956
+3,513
+0.9% +$103K
IEI icon
10
iShares 3-7 Year Treasury Bond ETF
IEI
$17.7B
$11.8M 3.14%
98,890
+2,714
+3% +$323K
VTI icon
11
Vanguard Morningstar Total Stock Market ETF
VTI
$687B
$11.7M 3.1%
35,641
+1,886
+6% +$596K
MUB icon
12
iShares National Muni Bond ETF
MUB
$45.5B
$10.8M 2.87%
101,547
+4,781
+5% +$500K
VUG icon
13
Vanguard Morningstar Growth ETF
VUG
$228B
$9.02M 2.39%
112,788
+3,204
+3% +$245K
VB icon
14
Vanguard Morningstar Small-Cap ETF
VB
$81.3B
$7.79M 2.07%
30,653
+3,309
+12% +$821K
EMB icon
15
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
$15B
$7.71M 2.05%
81,033
-1,809
-2% -$169K
BND icon
16
Vanguard Total Bond Market
BND
$161B
$7.39M 1.96%
99,349
+33,111
+50% +$2.44M
VGLT icon
17
Vanguard Long-Term Treasury ETF
VGLT
$10.4B
$7.35M 1.95%
129,266
+6,751
+6% +$376K
SPEM icon
18
State Street SPDR Portfolio Emerging Markets ETF
SPEM
$17.8B
$5.99M 1.59%
128,042
+227
+0.2% +$10.1K
AAPL icon
19
Apple
AAPL
$4.67T
$5.57M 1.48%
21,880
-643
-3% -$145K
IVV icon
20
iShares Core S&P 500 ETF
IVV
$898B
$5.25M 1.39%
7,845
+737
+10% +$475K
SCHV
21
Schwab US Large-Cap Value ETF
SCHV
$15.8B
$5.11M 1.36%
175,707
– –
IEFA icon
22
iShares Core MSCI EAFE ETF
IEFA
$195B
$4.4M 1.17%
50,383
– –
SCHA icon
23
Schwab U.S Small- Cap ETF
SCHA
$22.7B
$4.11M 1.09%
147,477
– –
VWO icon
24
Vanguard FTSE Emerging Markets ETF
VWO
$127B
$3.97M 1.05%
73,320
-79
-0.1% -$4.07K
MSFT icon
25
Microsoft
MSFT
$3.81T
$3.49M 0.93%
6,736
+3
+0% +$1.53K
1
2 3 4 5

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WMP
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SL
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WOCP
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FP
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AFWM
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LWA
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Rinkey Investments's Q3 2025 Portfolio in Review

As of Q3 2025, Rinkey Investments held 130 positions worth $377M, up 13% from $333M the previous quarter. Its ten largest holdings account for 53% of the portfolio.

Rinkey Investments deployed $28.1M of net new capital in Q3 2025, opening 30 new positions and adding to 37 existing holdings. Its largest new stake was Invesco QQQ Trust: 4,138 shares worth $2.48M.

By sector, the portfolio is most concentrated in Miscellaneous at 88% of assets, down from 89% a quarter earlier, followed by Technology and Financials.

On the sell side, the largest reduction was State Street SPDR Portfolio Aggregate Bond ETF, an estimated $752K trimmed.

  • Rinkey Investments's largest Q3 2025 buy was Invesco QQQ Trust: 4,138 shares worth $2.48M.
  • Rinkey Investments added most to iShares Treasury Floating Rate Bond ETF in Q3 2025, an estimated $3.28M increase.
  • Rinkey Investments's biggest Q3 2025 reduction was State Street SPDR Portfolio Aggregate Bond ETF, cutting an estimated $752K.
  • Rinkey Investments fully exited iShares MSCI India ETF in Q3 2025, selling an estimated $369K.
  • Rinkey Investments's ten largest holdings make up 53% of its $377M portfolio in Q3 2025.
  • Rinkey Investments opened 30 new positions and closed 4 in Q3 2025.
  • Rinkey Investments's portfolio value rose 13% quarter-over-quarter to $377M.

Based on Rinkey Investments's 13F filing for Q3 2025, filed 14 Nov 2025.