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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
+2.55%
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
$2.68B
AUM Growth
+$220M
Cap. Flow
+$163M
Cap. Flow %
6.1%
Top 10 Hldgs %
49.81%
Holding
348
New
32
Increased
183
Reduced
74
Closed
9

Top Buys

Rank Stock Value
1
BIV icon
Vanguard Intermediate-Term Bond ETF
BIV
+$30M
2
AGG icon
iShares Core US Aggregate Bond ETF
AGG
+$16.7M
3
VCRB icon
Vanguard Core Bond ETF
VCRB
+$15.8M
4
ITOT icon
iShares Core S&P Total US Stock Market ETF
ITOT
+$12.1M
5
VXUS icon
Vanguard Total International Stock ETF
VXUS
+$10.4M

Top Sells

Rank Stock Value
1
AXP icon
American Express
AXP
+$4.44M
2
PH icon
Parker-Hannifin
PH
+$2.16M
3
AMAT icon
Applied Materials
AMAT
+$2.1M
4
VBR icon
Vanguard Morningstar Small-Cap Value ETF
VBR
+$1.95M
5
SYK icon
Stryker
SYK
+$1.32M

Sector Composition

Rank Sector Weight
1 Technology 6.4%
2 Healthcare 2.74%
3 Financials 2.1%
4 Communication Services 1.39%
5 Consumer Discretionary 1.34%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
DFAT icon
51
Dimensional US Targeted Value ETF
DFAT
$14.7B
$7.85M 0.29%
131,795
+109,956
+503% +$6.42M
FERG icon
52
Ferguson
FERG
$48.5B
$7.45M 0.28%
33,468
+1,734
+5% +$414K
JPM icon
53
JPMorgan Chase
JPM
$937B
$6.82M 0.25%
21,163
+1,195
+6% +$370K
ABBV icon
54
AbbVie
ABBV
$433B
$6.69M 0.25%
29,260
+1,385
+5% +$316K
SPAB icon
55
State Street SPDR Portfolio Aggregate Bond ETF
SPAB
$9.74B
$6.48M 0.24%
251,623
-8,043
-3% -$208K
AMGN icon
56
Amgen
AMGN
$204B
$6.31M 0.24%
19,273
+1,915
+11% +$607K
DFAS icon
57
Dimensional US Small Cap ETF
DFAS
$15.5B
$6.18M 0.23%
88,653
-59
-0.1% -$4.07K
SGOV icon
58
iShares 0-3 Month Treasury Bond ETF
SGOV
$99.9B
$6.11M 0.23%
60,918
+52,593
+632% +$5.29M
BRK.A icon
59
Berkshire Hathaway Class A
BRK.A
$1.1T
$6.04M 0.23%
8
+5
+167% +$3.73M
IBM icon
60
IBM
IBM
$213B
$6.03M 0.23%
20,371
+355
+2% +$106K
CAT icon
61
Caterpillar
CAT
$382B
$6.01M 0.22%
10,485
-91
-0.9% -$50.6K
MGC icon
62
Vanguard Morningstar Mega Cap ETF
MGC
$10.1B
$5.98M 0.22%
23,795
-701
-3% -$174K
IXUS icon
63
iShares Core MSCI Total International Stock ETF
IXUS
$58.7B
$5.95M 0.22%
70,243
+61
+0.1% +$5.11K
QQQ icon
64
Invesco QQQ Trust
QQQ
$469B
$5.94M 0.22%
9,669
-25
-0.3% -$15.3K
VONE icon
65
Vanguard Russell 1000 ETF
VONE
$8.39B
$5.87M 0.22%
18,979
+63
+0.3% +$19.3K
VONG icon
66
Vanguard Russell 1000 Growth ETF
VONG
$43.7B
$5.8M 0.22%
47,612
+8,870
+23% +$1.08M
MUB icon
67
iShares National Muni Bond ETF
MUB
$45.2B
$5.75M 0.21%
53,658
+9,904
+23% +$1.06M
CSCO icon
68
Cisco
CSCO
$457B
$5.6M 0.21%
72,634
+4,749
+7% +$352K
TSLA icon
69
Tesla
TSLA
$1.27T
$5.47M 0.2%
12,168
+27
+0.2% +$12K
KLAC icon
70
KLA
KLAC
$239B
$5.34M 0.2%
43,920
-1,510
-3% -$177K
GS icon
71
Goldman Sachs
GS
$303B
$5.21M 0.19%
5,923
+201
+4% +$164K
EFV icon
72
iShares MSCI EAFE Value ETF
EFV
$29B
$5.02M 0.19%
70,262
+301
+0.4% +$20.9K
GOOG icon
73
Alphabet (Google) Class C
GOOG
$4.56T
$4.86M 0.18%
15,477
+208
+1% +$59.6K
VGT icon
74
Vanguard Information Technology ETF
VGT
$141B
$4.82M 0.18%
51,184
+624
+1% +$59.3K
VYMI icon
75
Vanguard International High Dividend Yield ETF
VYMI
$20.6B
$4.51M 0.17%
50,107
+39
+0.1% +$3.39K
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
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RBA
Richard Bernstein Advisors New York $3.45B AUM 16.24% 1-Year Est. Return
PCM
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LNC
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Zhang Financial's Q4 2025 Portfolio in Review

As of Q4 2025, Zhang Financial held 348 positions worth $2.68B, up 8.9% from $2.46B the previous quarter. Its ten largest holdings account for 50% of the portfolio.

Zhang Financial deployed $163M of net new capital in Q4 2025, opening 32 new positions and adding to 183 existing holdings. Its largest new stake was Vanguard Ultra-Short Treasury ETF: 21,399 shares worth $1.61M.

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

On the sell side, the largest reduction was Parker-Hannifin, an estimated $2.16M trimmed.

  • Zhang Financial's largest Q4 2025 buy was Vanguard Ultra-Short Treasury ETF: 21,399 shares worth $1.61M.
  • Zhang Financial added most to Vanguard Intermediate-Term Bond ETF in Q4 2025, an estimated $30M increase.
  • Zhang Financial's biggest Q4 2025 reduction was Parker-Hannifin, cutting an estimated $2.16M.
  • Zhang Financial fully exited American Express in Q4 2025, selling an estimated $4.44M.
  • Zhang Financial's ten largest holdings make up 50% of its $2.68B portfolio in Q4 2025.
  • Zhang Financial opened 32 new positions and closed 9 in Q4 2025.
  • Zhang Financial's portfolio value rose 8.9% quarter-over-quarter to $2.68B.

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