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ZRP
Zynergy Retirement Planning Portfolio holdings
AUM
$184M
1-Year Est. Return
16.04%
This Fund
S&P 500
This Quarter
Est. Return
+5.48%
1 Year Est. Return
+16.04%
3 Year Est. Return
–
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$149M
AUM Growth
+$8.11M
(+5.8%)
Cap. Flow
+$1.05M
Cap. Flow
% of AUM
0.71%
Top 10 Holdings %
Top 10 Hldgs %
95.41%
Holding
115
New
–
Increased
10
Reduced
11
Closed
90
Top Buys
| Rank | Stock | Value |
|---|---|---|
| 1 |
iShares Core S&P 500 ETF
IVV
|
+$1.62M |
| 2 |
Schwab US Aggregate Bond ETF
SCHZ
|
+$1.31M |
| 3 |
Schwab U.S Small- Cap ETF
SCHA
|
+$843K |
| 4 |
Schwab US REIT ETF
SCHH
|
+$813K |
| 5 |
Schwab International Equity ETF
SCHF
|
+$482K |
Top Sells
| Rank | Stock | Value |
|---|---|---|
| 1 |
SCHV
Schwab US Large-Cap Value ETF
SCHV
|
+$525K |
| 2 |
State Street SPDR Bloomberg 3-12 Month T-Bill ETF
BILS
|
+$341K |
| 3 |
SPDR Gold Trust
GLD
|
+$223K |
| 4 |
Schwab Short-Term US Treasury ETF
SCHO
|
+$209K |
| 5 |
New Jersey Resources
NJR
|
+$200K |
Sector Composition
| Rank | Sector | Weight |
|---|---|---|
| 1 | Technology | 0.88% |
| 2 | Consumer Discretionary | 0.41% |
| 3 | Financials | 0.26% |
| 4 | Healthcare | 0% |
| 5 | Industrials | 0% |
| Name | Market Value | Portfolio Weight | Shares or Principal |
Change in Stake | Capital Flow | |
|---|---|---|---|---|---|---|
|
1
iShares Core S&P 500 ETF
IVV
$869B
| $35.4M | 23.76% |
57,059
+2,816
| +5% | +$1.62M |
|
|
2
Schwab US Aggregate Bond ETF
SCHZ
$10.5B
| $28.4M | 19.05% |
1,221,958
+57,153
| +5% | +$1.31M |
|
|
3
Schwab International Equity ETF
SCHF
$65.6B
| $20.8M | 13.93% |
939,774
+23,163
| +3% | +$482K |
|
|
4
Schwab US REIT ETF
SCHH
$11.7B
| $15.4M | 10.35% |
729,453
+38,788
| +6% | +$813K |
|
|
5
Schwab U.S Small- Cap ETF
SCHA
$22.5B
| $14.3M | 9.62% |
566,783
+35,669
| +7% | +$843K |
|
6
Schwab US TIPS ETF
SCHP
$16.3B
| $11.3M | 7.58% |
423,520
+7,405
| +2% | +$196K |
|
|
7
Schwab Short-Term US Treasury ETF
SCHO
$12.8B
| $9.14M | 6.13% |
375,085
-8,614
| -2% | -$209K |
|
8
Schwab Emerging Markets Equity ETF
SCHE
$12.3B
| $3.47M | 2.33% |
115,021
+2,266
| +2% | +$64.2K |
|
|
SCHV
9
Schwab US Large-Cap Value ETF
SCHV
$15.8B
| $2.86M | 1.92% |
103,492
-19,958
| -16% | -$525K |
|
10
Apple
AAPL
$4.89T
| $1.1M | 0.74% |
5,346
| – | – |
|
11
Schwab International Small-Cap Equity ETF
SCHC
$5.36B
| $866K | 0.58% |
20,344
+2,413
| +13% | +$93.5K |
|
12
Invesco QQQ Trust
QQQ
$450B
| $816K | 0.55% |
1,480
| – | – |
|
13
Vanguard Financials ETF
VFH
$13.3B
| $630K | 0.42% |
4,951
-140
| -3% | -$16.7K |
|
14
Home Depot
HD
$332B
| $608K | 0.41% |
1,659
-82
| -5% | -$29.7K |
|
15
Schwab US Large-Cap Growth ETF
SCHG
$58.6B
| $516K | 0.35% |
17,664
-5,831
| -25% | -$154K |
|
16
Vanguard Value ETF
VTV
$189B
| $467K | 0.31% |
2,643
-55
| -2% | -$9.29K |
|
17
Vanguard FTSE All-World ex-US ETF
VEU
$65.6B
| $461K | 0.31% |
6,854
| – | – |
|
18
Schwab US Dividend Equity ETF
SCHD
$102B
| $405K | 0.27% |
15,277
-1,679
| -10% | -$43.8K |
|
19
JPMorgan Chase
JPM
$939B
| $383K | 0.26% |
1,321
+132
| +11% | +$33.7K |
|
20
Schwab US Broad Market ETF
SCHB
$42.8B
| $330K | 0.22% |
13,860
-1,563
| -10% | -$34.4K |
|
21
Vanguard Small-Cap ETF
VB
$79.5B
| $321K | 0.22% |
1,354
-58
| -4% | -$12.9K |
|
|
22
SPDR Gold Trust
GLD
$132B
| $302K | 0.2% |
992
-738
| -43% | -$223K |
|
|
VPU
23
Vanguard Utilities ETF
VPU
$8.83B
| $256K | 0.17% |
1,452
-7
| -0.5% | -$1.21K |
|
24
Vanguard High Dividend Yield ETF
VYM
$81.1B
| $255K | 0.17% |
1,916
| – | – |
|
25
NVIDIA
NVDA
$5.01T
| $217K | 0.15% |
1,375
+104
| +8% | +$13.1K |
|
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Zynergy Retirement Planning's Q2 2025 Portfolio in Review
As of Q2 2025, Zynergy Retirement Planning held 115 positions worth $149M, up 5.8% from $141M the previous quarter. Its ten largest holdings account for 95% of the portfolio.
Zynergy Retirement Planning's Q2 2025 filing shows 10 increased, 11 reduced and 90 closed positions. The largest sale was Schwab US Large-Cap Value ETF, an estimated $525K.
By sector, the portfolio is most concentrated in Technology at 0.88% of assets, down from 1.2% a quarter earlier, followed by Consumer Discretionary and Financials.
- Zynergy Retirement Planning added most to iShares Core S&P 500 ETF in Q2 2025, an estimated $1.62M increase.
- Zynergy Retirement Planning's biggest Q2 2025 reduction was Schwab US Large-Cap Value ETF, cutting an estimated $525K.
- Zynergy Retirement Planning fully exited State Street SPDR Bloomberg 3-12 Month T-Bill ETF in Q2 2025, selling an estimated $341K.
- Zynergy Retirement Planning's ten largest holdings make up 95% of its $149M portfolio in Q2 2025.
- Zynergy Retirement Planning opened 0 new positions and closed 90 in Q2 2025.
- Zynergy Retirement Planning's portfolio value rose 5.8% quarter-over-quarter to $149M.
Based on Zynergy Retirement Planning's 13F filing for Q2 2025, filed 4 Sep 2025.