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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
+4.97%
1 Year Est. Return
+16.04%
3 Year Est. Return
–
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$159M
AUM Growth
+$9.48M
Cap. Flow
+$2.15M
Cap. Flow %
1.36%
Top 10 Hldgs %
94.79%
Holding
28
New
3
Increased
9
Reduced
9
Closed
–

Top Buys

Rank Stock Value
1
SCHZ icon
Schwab US Aggregate Bond ETF
SCHZ
+$661K
2
LULU icon
lululemon athletica
LULU
+$601K
3
SCHH icon
Schwab US REIT ETF
SCHH
+$361K
4
NJR icon
New Jersey Resources
NJR
+$206K
5
ITA icon
iShares US Aerospace & Defense ETF
ITA
+$190K

Top Sells

Rank Stock Value
1
IVV icon
iShares Core S&P 500 ETF
IVV
+$195K
2
SCHV
Schwab US Large-Cap Value ETF
SCHV
+$41.6K
3
SCHF icon
Schwab International Equity ETF
SCHF
+$41.4K
4
HD icon
Home Depot
HD
+$20.8K
5
VYM icon
Vanguard High Dividend Yield ETF
VYM
+$19.8K

Sector Composition

Rank Sector Weight
1 Technology 1.02%
2 Consumer Discretionary 0.75%
3 Financials 0.26%
4 Utilities 0.13%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
IVV icon
1
iShares Core S&P 500 ETF
IVV
$884B
$38M 23.96%
56,757
-302
-0.5% -$195K
SCHZ icon
2
Schwab US Aggregate Bond ETF
SCHZ
$10.5B
$29.3M 18.51%
1,250,430
+28,472
+2% +$661K
SCHF icon
3
Schwab International Equity ETF
SCHF
$67.1B
$21.8M 13.77%
937,941
-1,833
-0.2% -$41.4K
SCHH icon
4
Schwab US REIT ETF
SCHH
$11.5B
$16.1M 10.15%
746,401
+16,948
+2% +$361K
SCHA icon
5
Schwab U.S Small- Cap ETF
SCHA
$22.7B
$16M 10.06%
571,869
+5,086
+0.9% +$136K
SCHP icon
6
Schwab US TIPS ETF
SCHP
$16.2B
$11.6M 7.3%
429,411
+5,891
+1% +$158K
SCHO icon
7
Schwab Short-Term US Treasury ETF
SCHO
$12.8B
$9.31M 5.87%
381,363
+6,278
+2% +$153K
SCHE icon
8
Schwab Emerging Markets Equity ETF
SCHE
$12.6B
$3.86M 2.43%
115,668
+647
+0.6% +$20.4K
SCHV
9
Schwab US Large-Cap Value ETF
SCHV
$15.8B
$2.97M 1.87%
102,028
-1,464
-1% -$41.6K
AAPL icon
10
Apple
AAPL
$4.43T
$1.36M 0.86%
5,346
– –
SCHC icon
11
Schwab International Small-Cap Equity ETF
SCHC
$5.45B
$933K 0.59%
20,510
+166
+0.8% +$7.29K
QQQ icon
12
Invesco QQQ Trust
QQQ
$469B
$889K 0.56%
1,480
– –
HD icon
13
Home Depot
HD
$339B
$651K 0.41%
1,606
-53
-3% -$20.8K
VFH icon
14
Vanguard Financials ETF
VFH
$13.6B
$646K 0.41%
4,919
-32
-0.6% -$4.14K
SCHG icon
15
Schwab US Large-Cap Growth ETF
SCHG
$61.2B
$561K 0.35%
17,575
-89
-0.5% -$2.71K
LULU icon
16
lululemon athletica
LULU
$14B
$534K 0.34%
+3,000
New +$601K
VTV icon
17
Vanguard Morningstar Value ETF
VTV
$189B
$493K 0.31%
2,643
– –
VEU icon
18
Vanguard FTSE All-World ex-US ETF
VEU
$66.9B
$489K 0.31%
6,854
– –
JPM icon
19
JPMorgan Chase
JPM
$937B
$417K 0.26%
1,321
– –
SCHD icon
20
Schwab US Dividend Equity ETF
SCHD
$104B
$412K 0.26%
15,090
-187
-1% -$5.1K
SCHB icon
21
Schwab US Broad Market ETF
SCHB
$43.9B
$357K 0.22%
13,868
+8
+0.1% +$198
VB icon
22
Vanguard Morningstar Small-Cap ETF
VB
$80.7B
$344K 0.22%
1,354
– –
GLD icon
23
SPDR Gold Trust
GLD
$131B
$342K 0.22%
961
-31
-3% -$9.88K
VPU
24
Vanguard Utilities ETF
VPU
$8.48B
$275K 0.17%
1,452
– –
NVDA icon
25
NVIDIA
NVDA
$5.01T
$257K 0.16%
1,376
+1
+0.1% +$174
1
2

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IVGAV
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GCA
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PSAMP
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TCM
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AWMNY
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NAM
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Zynergy Retirement Planning's Q3 2025 Portfolio in Review

As of Q3 2025, Zynergy Retirement Planning held 28 positions worth $159M, up 6.4% from $149M the previous quarter. Its ten largest holdings account for 95% of the portfolio.

Zynergy Retirement Planning's Q3 2025 filing shows 3 new, 9 increased and 9 reduced positions. Its largest new stake was lululemon athletica: 3,000 shares worth $534K. The largest sale was iShares Core S&P 500 ETF, an estimated $195K.

By sector, the portfolio is most concentrated in Technology at 1% of assets, up from 0.88% a quarter earlier, followed by Consumer Discretionary and Financials.

  • Zynergy Retirement Planning's largest Q3 2025 buy was lululemon athletica: 3,000 shares worth $534K.
  • Zynergy Retirement Planning added most to Schwab US Aggregate Bond ETF in Q3 2025, an estimated $661K increase.
  • Zynergy Retirement Planning's biggest Q3 2025 reduction was iShares Core S&P 500 ETF, cutting an estimated $195K.
  • Zynergy Retirement Planning's ten largest holdings make up 95% of its $159M portfolio in Q3 2025.
  • Zynergy Retirement Planning opened 3 new positions and closed 0 in Q3 2025.
  • Zynergy Retirement Planning's portfolio value rose 6.4% quarter-over-quarter to $159M.

Based on Zynergy Retirement Planning's 13F filing for Q3 2025, filed 8 Oct 2025.