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ZF

Zhang Financial Portfolio holdings

AUM $2.89B
1-Year Est. Return 18.44%
This Fund
S&P 500
This Quarter Est. Return
+7.29%
1 Year Est. Return
+18.44%
3 Year Est. Return
+56.82%
5 Year Est. Return
+60.88%
10 Year Est. Return
+187.88%
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 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
VOO icon
1
Vanguard S&P 500 ETF
VOO
$968B
$186M 7.54%
303,156
+9,519
+3% +$5.61M
VTI icon
2
Vanguard Total Stock Market ETF
VTI
$654B
$180M 7.33%
549,958
+3,942
+0.7% +$1.25M
DFUS
3
Dimensional US Equity ETF
DFUS
$20.7B
$174M 7.07%
2,403,369
+6,566
+0.3% +$457K
ITOT icon
4
iShares Core S&P Total US Stock Market ETF
ITOT
$93.2B
$141M 5.74%
969,900
+91,308
+10% +$12.8M
VXUS icon
5
Vanguard Total International Stock ETF
VXUS
$153B
$128M 5.19%
1,740,574
+177,981
+11% +$12.6M
DFAC icon
6
Dimensional US Core Equity 2 ETF
DFAC
$47.5B
$127M 5.16%
3,290,591
+81,683
+3% +$3.05M
VT icon
7
Vanguard Total World Stock ETF
VT
$76.3B
$98.2M 3.99%
712,620
+18,086
+3% +$2.4M
BIV icon
8
Vanguard Intermediate-Term Bond ETF
BIV
$28.8B
$88.7M 3.61%
1,136,494
+331,964
+41% +$25.7M
DFAI
9
Dimensional International Core Equity Market ETF
DFAI
$17.1B
$64.9M 2.64%
1,785,546
+48,551
+3% +$1.72M
AAPL icon
10
Apple
AAPL
$4.89T
$52.2M 2.12%
204,959
+2,822
+1% +$638K
VBR icon
11
Vanguard Small-Cap Value ETF
VBR
$37.1B
$49.3M 2%
236,207
-573
-0.2% -$117K
BND icon
12
Vanguard Total Bond Market
BND
$157B
$47M 1.91%
631,836
+42,977
+7% +$3.16M
VYM icon
13
Vanguard High Dividend Yield ETF
VYM
$81.1B
$44.7M 1.82%
316,988
+21,571
+7% +$2.96M
SYK icon
14
Stryker
SYK
$127B
$42.1M 1.71%
113,980
+59
+0.1% +$22.8K
BKLC icon
15
BNY Mellon US Large Cap Core Equity ETF
BKLC
$1.79B
$39.6M 1.61%
925,344
+9,981
+1% +$409K
IAU icon
16
iShares Gold Trust
IAU
$63B
$34.6M 1.41%
475,595
+1,832
+0.4% +$120K
MSFT icon
17
Microsoft
MSFT
$2.84T
$32.6M 1.32%
62,946
+790
+1% +$403K
DFAU icon
18
Dimensional US Core Equity Market ETF
DFAU
$12.3B
$30M 1.22%
655,912
+28,894
+5% +$1.27M
AGG icon
19
iShares Core US Aggregate Bond ETF
AGG
$138B
$29M 1.18%
289,103
+69,636
+32% +$6.91M
VCSH icon
20
Vanguard Short-Term Corporate Bond ETF
VCSH
$44.7B
$28.1M 1.14%
351,027
+21,318
+6% +$1.7M
AVDE icon
21
Avantis International Equity ETF
AVDE
$17.7B
$26.8M 1.09%
340,269
+47,505
+16% +$3.62M
NVDA icon
22
NVIDIA
NVDA
$5.01T
$26.7M 1.08%
143,029
+5,024
+4% +$876K
VO icon
23
Vanguard Mid-Cap ETF
VO
$106B
$25.7M 1.04%
350,192
+41,312
+13% +$2.97M
SPTM icon
24
State Street SPDR Portfolio S&P 1500 Composite Stock Market ETF
SPTM
$13.5B
$21.5M 0.87%
266,964
+12,068
+5% +$938K
VOOV icon
25
Vanguard S&P 500 Value ETF
VOOV
$6.58B
$21.1M 0.86%
105,882
-899
-0.8% -$175K
1
2 3 4 5

Similar funds

SCM
Silvant Capital Management Atlanta, Georgia $2.89B AUM 34.45% 1-Year Est. Return
AG
Ascent Group Virginia Beach, Virginia $2.89B AUM 19.6% 1-Year Est. Return
NRCM
North Reef Capital Management Laguna Beach, California $2.91B AUM 11.03% 1-Year Est. Return
PFM
Potomac Fund Management Miami, Florida $2.88B AUM 15.75% 1-Year Est. Return
CWM
Calamos Wealth Management Naperville, Illinois $2.91B AUM 25.59% 1-Year Est. Return
BAM
BCV Asset Management Winnipeg $2.91B AUM
DMIC
Dixon Mitchell Investment Counsel Vancouver, British Columbia, Canada $2.88B AUM 18.53% 1-Year Est. Return
LIP
Lighthouse Investment Partners Palm Beach Gardens, Florida $2.87B AUM 26.77% 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 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 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.