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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
VONV icon
76
Vanguard Russell 1000 Value ETF
VONV
$20.9B
$4.46M 0.17%
48,337
+10,331
+27% +$937K
VIG icon
77
Vanguard Dividend Appreciation ETF
VIG
$112B
$4.39M 0.16%
19,972
-333
-2% -$72.8K
ICSH icon
78
iShares Ultra Short Duration Bond Active ETF
ICSH
$8.12B
$4.35M 0.16%
85,904
+10,345
+14% +$524K
XOM icon
79
ExxonMobil
XOM
$643B
$4.28M 0.16%
35,608
+3,797
+12% +$440K
VOOG icon
80
Vanguard S&P 500 Growth ETF
VOOG
$26.4B
$4.26M 0.16%
57,438
+8,718
+18% +$642K
APO icon
81
Apollo Global Management
APO
$74.6B
$4.22M 0.16%
29,120
+1,650
+6% +$219K
WMT icon
82
Walmart Inc
WMT
$881B
$4.09M 0.15%
36,748
+5,008
+16% +$538K
PG icon
83
Procter & Gamble
PG
$338B
$3.92M 0.15%
27,378
-157
-0.6% -$23.1K
IWV icon
84
iShares Russell 3000 ETF
IWV
$19.9B
$3.89M 0.15%
10,050
-50
-0.5% -$19.2K
VV icon
85
Vanguard Morningstar Large-Cap ETF
VV
$53.2B
$3.81M 0.14%
12,089
+8
+0.1% +$2.5K
VNQ icon
86
Vanguard Real Estate ETF
VNQ
$39.3B
$3.74M 0.14%
42,229
-4,893
-10% -$440K
MDT icon
87
Medtronic
MDT
$111B
$3.4M 0.13%
35,414
+3,436
+11% +$334K
BKIE icon
88
BNY Mellon International Equity ETF
BKIE
$1.31B
$3.38M 0.13%
109,491
+5,226
+5% +$158K
AIT icon
89
Applied Industrial Technologies
AIT
$13B
$3.28M 0.12%
12,793
– –
SPTS icon
90
State Street SPDR Portfolio Short Term Treasury ETF
SPTS
$6.1B
$3.27M 0.12%
111,840
+12,648
+13% +$371K
DFUV icon
91
Dimensional US Marketwide Value ETF
DFUV
$15.5B
$3.26M 0.12%
70,016
+637
+0.9% +$28.9K
XLF icon
92
State Street Financial Select Sector SPDR ETF
XLF
$58B
$3.14M 0.12%
57,279
+5,988
+12% +$319K
SCHZ icon
93
Schwab US Aggregate Bond ETF
SCHZ
$10.5B
$2.98M 0.11%
127,505
+20,637
+19% +$485K
SCHM icon
94
Schwab US Mid-Cap ETF
SCHM
$14.7B
$2.88M 0.11%
95,926
+901
+0.9% +$26.9K
PEP icon
95
PepsiCo
PEP
$191B
$2.86M 0.11%
19,946
+162
+0.8% +$23.8K
LLY icon
96
Eli Lilly
LLY
$1,000B
$2.86M 0.11%
2,660
+53
+2% +$50.7K
SCHX icon
97
Schwab US Large- Cap ETF
SCHX
$72.9B
$2.85M 0.11%
105,883
+4,197
+4% +$112K
JNJ icon
98
Johnson & Johnson
JNJ
$613B
$2.8M 0.1%
13,541
+1,057
+8% +$209K
BKNG icon
99
Booking.com
BKNG
$149B
$2.73M 0.1%
12,750
+1,675
+15% +$345K
CRM icon
100
Salesforce
CRM
$152B
$2.71M 0.1%
10,234
-1,755
-15% -$436K
2 3
4
5 6

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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
BG
Bollard Group Boston, Massachusetts $3.39B AUM 1.06% 1-Year Est. Return

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.