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ZF

Zhang Financial Portfolio holdings

AUM $3.42B
1-Year Est. Return 23.04%
This Fund
S&P 500
This Quarter Est. Return
+7.29%
1 Year Est. Return
+23.04%
3 Year Est. Return
+67.89%
5 Year Est. Return
+72.89%
10 Year Est. Return
+216.66%
AUM
$2.46B
AUM Growth
+$294M
Cap. Flow
+$138M
Cap. Flow %
5.59%
Top 10 Hldgs %
50.39%
Holding
327
New
36
Increased
154
Reduced
83
Closed
11

Top Buys

Rank Stock Value
1
BIV icon
Vanguard Intermediate-Term Bond ETF
BIV
+$25.7M
2
ITOT icon
iShares Core S&P Total US Stock Market ETF
ITOT
+$12.8M
3
VXUS icon
Vanguard Total International Stock ETF
VXUS
+$12.6M
4
AGG icon
iShares Core US Aggregate Bond ETF
AGG
+$6.91M
5
VOO icon
Vanguard S&P 500 ETF
VOO
+$5.61M

Top Sells

Rank Stock Value
1
MGV icon
Vanguard Morningstar Mega Cap Value ETF
MGV
+$1.91M
2
NPB
Northpointe Bancshares
NPB
+$1.38M
3
K
Kellanova
K
+$981K
4
JNJ icon
Johnson & Johnson
JNJ
+$866K
5
VNQ icon
Vanguard Real Estate ETF
VNQ
+$621K

Sector Composition

Rank Sector Weight
1 Technology 6.45%
2 Healthcare 2.95%
3 Financials 2.16%
4 Consumer Discretionary 1.41%
5 Communication Services 1.3%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
IBIT icon
26
iShares Bitcoin Trust
IBIT
$46.7B
$20.1M 0.82%
309,220
+468
+0.2% +$30.4K
DFSV
27
Dimensional US Small Cap Value ETF
DFSV
$8.19B
$20M 0.81%
628,875
-29
-0% -$906
MGK icon
28
Vanguard Morningstar Mega Cap Growth ETF
MGK
$32.5B
$19.2M 0.78%
238,890
+14,460
+6% +$1.11M
VEA icon
29
Vanguard FTSE Developed Markets ETF
VEA
$229B
$18.2M 0.74%
303,322
+50,679
+20% +$2.95M
IWN icon
30
iShares Russell 2000 Value ETF
IWN
$14.3B
$18.1M 0.74%
102,318
-2,691
-3% -$454K
IVV icon
31
iShares Core S&P 500 ETF
IVV
$878B
$17.8M 0.72%
26,536
-97
-0.4% -$62.5K
VUG icon
32
Vanguard Morningstar Growth ETF
VUG
$220B
$16.9M 0.69%
211,452
+63,108
+43% +$4.82M
SCHB icon
33
Schwab US Broad Market ETF
SCHB
$43.2B
$16.7M 0.68%
650,806
+82,547
+15% +$2.04M
AVUS icon
34
Avantis US Equity ETF
AVUS
$14B
$16.7M 0.68%
153,713
+3,887
+3% +$408K
AMZN icon
35
Amazon
AMZN
$2.92T
$14.9M 0.6%
67,685
+9,082
+15% +$2.06M
GOOGL icon
36
Alphabet (Google) Class A
GOOGL
$4.36T
$14.6M 0.59%
59,989
+4,812
+9% +$1.01M
AVUV icon
37
Avantis US Small Cap Value ETF
AVUV
$30.3B
$13.7M 0.56%
137,754
+41,308
+43% +$4M
BRK.B icon
38
Berkshire Hathaway Class B
BRK.B
$1.1T
$12.5M 0.51%
24,835
+248
+1% +$120K
VWO icon
39
Vanguard FTSE Emerging Markets ETF
VWO
$121B
$12.2M 0.5%
224,902
+1,783
+0.8% +$91.9K
VTV icon
40
Vanguard Morningstar Value ETF
VTV
$188B
$12.2M 0.49%
65,245
+1,180
+2% +$214K
SCHF icon
41
Schwab International Equity ETF
SCHF
$66.6B
$11.9M 0.48%
512,513
+2,370
+0.5% +$53.5K
SPY icon
42
State Street SPDR S&P 500 ETF Trust
SPY
$790B
$11.8M 0.48%
17,660
+6
+0% +$3.85K
META icon
43
Meta Platforms (Facebook)
META
$1.42T
$10.9M 0.44%
14,882
+1,608
+12% +$1.2M
SPMD icon
44
State Street SPDR Portfolio S&P 400 Mid Cap ETF
SPMD
$18.2B
$9.9M 0.4%
173,072
+20,005
+13% +$1.13M
GLDM icon
45
SPDR Gold MiniShares Trust
GLDM
$27.5B
$7.99M 0.32%
104,513
-376
-0.4% -$25.8K
SUB icon
46
iShares Short-Term National Muni Bond ETF
SUB
$11.4B
$7.66M 0.31%
71,702
+800
+1% +$85.4K
EMXC icon
47
iShares MSCI Emerging Markets ex China ETF
EMXC
$23.5B
$7.62M 0.31%
112,880
+6,169
+6% +$399K
AVGO icon
48
Broadcom
AVGO
$1.85T
$7.2M 0.29%
21,817
+330
+2% +$101K
FERG icon
49
Ferguson
FERG
$45.4B
$7.13M 0.29%
31,734
– –
SPAB icon
50
State Street SPDR Portfolio Aggregate Bond ETF
SPAB
$9.76B
$6.71M 0.27%
259,666
+21,690
+9% +$555K
1
2
3 4 5

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CIA
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JGC
J. Goldman & Co New York $3.44B AUM 33.8% 1-Year Est. Return
MCM
Marsico Capital Management Denver, Colorado $3.4B AUM 51.58% 1-Year Est. Return
PWP
Perfromance Wealth Partners Hinsdale, Illinois $3.45B AUM 29.14% 1-Year Est. Return
RBA
Richard Bernstein Advisors New York $3.45B AUM 16.24% 1-Year Est. Return
PCM
PAR Capital Management Boston, Massachusetts $3.45B AUM 28.5% 1-Year Est. Return
LNC
Lincoln National Corp Radnor, Pennsylvania $3.45B AUM 12.55% 1-Year Est. Return

Zhang Financial's Q3 2025 Portfolio in Review

As of Q3 2025, Zhang Financial held 327 positions worth $2.46B, up 14% from $2.17B the previous quarter. Its ten largest holdings account for 50% of the portfolio.

Zhang Financial deployed $138M of net new capital in Q3 2025, opening 36 new positions and adding to 154 existing holdings. Its largest new stake was Zoetis: 16,886 shares worth $2.47M.

By sector, the portfolio is most concentrated in Technology at 6.4% of assets, up from 6.2% a quarter earlier, followed by Healthcare and Financials.

On the sell side, the largest reduction was Vanguard Morningstar Mega Cap Value ETF, an estimated $1.91M trimmed.

  • Zhang Financial's largest Q3 2025 buy was Zoetis: 16,886 shares worth $2.47M.
  • Zhang Financial added most to Vanguard Intermediate-Term Bond ETF in Q3 2025, an estimated $25.7M increase.
  • Zhang Financial's biggest Q3 2025 reduction was Vanguard Morningstar Mega Cap Value ETF, cutting an estimated $1.91M.
  • Zhang Financial fully exited Northpointe Bancshares in Q3 2025, selling an estimated $1.38M.
  • Zhang Financial's ten largest holdings make up 50% of its $2.46B portfolio in Q3 2025.
  • Zhang Financial opened 36 new positions and closed 11 in Q3 2025.
  • Zhang Financial's portfolio value rose 14% quarter-over-quarter to $2.46B.

Based on Zhang Financial's 13F filing for Q3 2025, filed 10 Nov 2025.