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TF

Tandem Financial Portfolio holdings

AUM $314M
1-Year Est. Return 25.09%
This Fund
S&P 500
This Quarter Est. Return
+1.49%
1 Year Est. Return
+25.09%
3 Year Est. Return
–
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$83.4M
AUM Growth
-$185M
Cap. Flow
-$165M
Cap. Flow %
-197.59%
Top 10 Hldgs %
65.82%
Holding
96
New
5
Increased
17
Reduced
25
Closed
46

Top Buys

Rank Stock Value
1
IWF icon
iShares Russell 1000 Growth ETF
IWF
+$4.02M
2
KNG icon
FT Vest S&P 500 Dividend Aristocrats Target Income ETF
KNG
+$3.63M
3
IWD icon
iShares Russell 1000 Value ETF
IWD
+$3.46M
4
VBK icon
Vanguard Morningstar Small-Cap Growth ETF
VBK
+$2.93M
5
GDX icon
VanEck Gold Miners ETF
GDX
+$2.72M

Top Sells

Rank Stock Value
1
IVV icon
iShares Core S&P 500 ETF
IVV
+$53.8M
2
BIV icon
Vanguard Intermediate-Term Bond ETF
BIV
+$21.4M
3
FNDE icon
Schwab Fundamental Emerging Markets Large Company Index ETF
FNDE
+$10.2M
4
QQQ icon
Invesco QQQ Trust
QQQ
+$9.81M
5
JQUA icon
JPMorgan US Quality Factor ETF
JQUA
+$7.36M

Sector Composition

Rank Sector Weight
1 Technology 6.34%
2 Consumer Staples 3.67%
3 Industrials 2.61%
4 Communication Services 1.87%
5 Materials 1.42%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
MP icon
26
MP Materials
MP
$9.1B
$689K 0.83%
44,174
+836
+2% +$53K
MO icon
27
Altria Group
MO
$114B
$687K 0.82%
12,884
+7,175
+126% +$433K
AMLP icon
28
Alerian MLP ETF
AMLP
$12.8B
$644K 0.77%
13,363
-7,206
-35% -$337K
GOOG icon
29
Alphabet (Google) Class C
GOOG
$4.32T
$603K 0.72%
3,167
-88
-3% -$25.2K
NVDA icon
30
NVIDIA
NVDA
$5.42T
$595K 0.71%
4,433
+106
+2% +$19.7K
PFXF icon
31
VanEck Preferred Securities ex Financials ETF
PFXF
$2.47B
$559K 0.67%
32,423
-10,450
-24% -$185K
VWO icon
32
Vanguard FTSE Emerging Markets ETF
VWO
$124B
$532K 0.64%
12,085
-49,451
-80% -$2.69M
XOM icon
33
ExxonMobil
XOM
$634B
$422K 0.51%
3,923
-69
-2% -$8K
ORCL icon
34
Oracle
ORCL
$423B
$414K 0.5%
2,482
+272
+12% +$64.8K
HP icon
35
Helmerich & Payne
HP
$3.71B
$413K 0.5%
+12,897
New +$343K
AMZN icon
36
Amazon
AMZN
$2.96T
$409K 0.49%
1,864
-268
-13% -$61.3K
INCY icon
37
Incyte
INCY
$24.4B
$351K 0.42%
+5,078
New +$491K
XOM icon
38
CALL
ExxonMobil
XOM
$634B
– –
0
– –
NLY icon
39
Annaly Capital Management
NLY
$17.4B
$327K 0.39%
17,254
-4,025
-19% -$87.6K
TLT icon
40
iShares 20+ Year Treasury Bond ETF
TLT
$41.7B
$274K 0.33%
3,139
+710
+29% +$63.5K
XLE icon
41
CALL
State Street Energy Select Sector SPDR ETF
XLE
$37.7B
– –
0
– –
RIO icon
42
Rio Tinto
RIO
$164B
$267K 0.32%
4,542
-1,735
-28% -$125K
VT icon
43
Vanguard Total World Stock ETF
VT
$79.8B
$256K 0.31%
2,177
+602
+38% +$84.1K
NEM icon
44
Newmont
NEM
$119B
$228K 0.27%
6,139
-4,369
-42% -$395K
IVV icon
45
iShares Core S&P 500 ETF
IVV
$902B
$220K 0.26%
374
-79,155
-100% -$53.8M
BRK.B icon
46
Berkshire Hathaway Class B
BRK.B
$1.13T
$216K 0.26%
476
-660
-58% -$328K
CVX icon
47
Chevron
CVX
$366B
$204K 0.25%
1,411
-2,261
-62% -$344K
SKM icon
48
SK Telecom
SKM
$13.2B
$204K 0.25%
+9,712
New +$199K
COST icon
49
Costco
COST
$420B
$202K 0.24%
220
-37
-14% -$33.5K
AAAU icon
50
Goldman Sachs Physical Gold ETF Shares
AAAU
$2.64B
– –
-163,270
Closed -$6.22M
1
2
3 4

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SL
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WIC
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MIM
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NTCM
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KHCM
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OIC
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JIC
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Tandem Financial's Q4 2025 Portfolio in Review

As of Q4 2025, Tandem Financial held 96 positions worth $83.4M, down 69% from $269M the previous quarter. Its ten largest holdings account for 66% of the portfolio.

Tandem Financial withdrew a net $165M in Q4 2025, closing 46 positions and reducing 25 holdings. Its most notable exit was Vanguard Intermediate-Term Bond ETF, an estimated $21.4M position sold in full.

By sector, the portfolio is most concentrated in Technology at 6.3% of assets, up from 2.4% a quarter earlier, followed by Consumer Staples and Industrials.

Against the trend, Tandem Financial opened a new position in Global X Uranium ETF worth $1.3M.

  • Tandem Financial's largest Q4 2025 buy was Global X Uranium ETF: 47,373 shares worth $1.3M.
  • Tandem Financial added most to iShares Russell 1000 Growth ETF in Q4 2025, an estimated $4.02M increase.
  • Tandem Financial's biggest Q4 2025 reduction was iShares Core S&P 500 ETF, cutting an estimated $53.8M.
  • Tandem Financial fully exited Vanguard Intermediate-Term Bond ETF in Q4 2025, selling an estimated $21.4M.
  • Tandem Financial's ten largest holdings make up 66% of its $83.4M portfolio in Q4 2025.
  • Tandem Financial opened 5 new positions and closed 46 in Q4 2025.
  • Tandem Financial's portfolio value fell 69% quarter-over-quarter to $83.4M.

Based on Tandem Financial's 13F filing for Q4 2025, filed 10 Feb 2026.