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Zynergy Retirement Planning Portfolio holdings

AUM $184M
1-Year Est. Return 16.04%
This Fund
S&P 500
This Quarter Est. Return
+0.8%
1 Year Est. Return
+16.04%
3 Year Est. Return
–
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$163M
AUM Growth
+$3.97M
Cap. Flow
+$2.78M
Cap. Flow %
1.71%
Top 10 Hldgs %
95.15%
Holding
29
New
1
Increased
11
Reduced
8
Closed
2

Top Buys

Rank Stock Value
1
SCHO icon
Schwab Short-Term US Treasury ETF
SCHO
+$2.5M
2
SCHA icon
Schwab U.S Small- Cap ETF
SCHA
+$295K
3
IVV icon
iShares Core S&P 500 ETF
IVV
+$244K
4
SCHH icon
Schwab US REIT ETF
SCHH
+$110K
5
SCHE icon
Schwab Emerging Markets Equity ETF
SCHE
+$98.5K

Top Sells

Rank Stock Value
1
LULU icon
lululemon athletica
LULU
+$534K
2
JPM icon
JPMorgan Chase
JPM
+$417K
3
SCHP icon
Schwab US TIPS ETF
SCHP
+$143K
4
SCHG icon
Schwab US Large-Cap Growth ETF
SCHG
+$27.6K
5
QQQ icon
Invesco QQQ Trust
QQQ
+$22.7K

Sector Composition

Rank Sector Weight
1 Technology 1.06%
2 Consumer Discretionary 0.33%
3 Utilities 0.13%
4 Financials 0%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
IVV icon
1
iShares Core S&P 500 ETF
IVV
$890B
$39.1M 24.07%
57,117
+360
+0.6% +$244K
SCHZ icon
2
Schwab US Aggregate Bond ETF
SCHZ
$10.5B
$29.2M 18%
1,251,547
+1,117
+0.1% +$26.2K
SCHF icon
3
Schwab International Equity ETF
SCHF
$67.7B
$22.6M 13.91%
940,599
+2,658
+0.3% +$63.2K
SCHA icon
4
Schwab U.S Small- Cap ETF
SCHA
$22.9B
$16.6M 10.2%
582,311
+10,442
+2% +$295K
SCHH icon
5
Schwab US REIT ETF
SCHH
$11.4B
$15.7M 9.66%
751,590
+5,189
+0.7% +$110K
SCHO icon
6
Schwab Short-Term US Treasury ETF
SCHO
$12.8B
$11.8M 7.26%
483,964
+102,601
+27% +$2.5M
SCHP icon
7
Schwab US TIPS ETF
SCHP
$16.3B
$11.2M 6.91%
424,093
-5,318
-1% -$143K
SCHE icon
8
Schwab Emerging Markets Equity ETF
SCHE
$12.8B
$3.88M 2.39%
118,623
+2,955
+3% +$98.5K
SCHV
9
Schwab US Large-Cap Value ETF
SCHV
$15.9B
$3.01M 1.85%
101,806
-222
-0.2% -$6.49K
AAPL icon
10
Apple
AAPL
$4.45T
$1.45M 0.89%
5,346
– –
SCHC icon
11
Schwab International Small-Cap Equity ETF
SCHC
$5.52B
$991K 0.61%
21,776
+1,266
+6% +$57.4K
QQQ icon
12
Invesco QQQ Trust
QQQ
$478B
$886K 0.55%
1,443
-37
-3% -$22.7K
VFH icon
13
Vanguard Financials ETF
VFH
$13.6B
$657K 0.4%
4,919
– –
NVDA icon
14
PUT
NVIDIA
NVDA
$5.07T
$560K 0.34%
+3,000
New +$558K
SCHG icon
15
Schwab US Large-Cap Growth ETF
SCHG
$61.7B
$546K 0.34%
16,727
-848
-5% -$27.6K
HD icon
16
Home Depot
HD
$340B
$535K 0.33%
1,555
-51
-3% -$18.7K
VTV icon
17
Vanguard Morningstar Value ETF
VTV
$189B
$505K 0.31%
2,643
– –
VEU icon
18
Vanguard FTSE All-World ex-US ETF
VEU
$67.6B
$504K 0.31%
6,854
– –
SCHD icon
19
Schwab US Dividend Equity ETF
SCHD
$104B
$420K 0.26%
15,299
+209
+1% +$5.68K
GLD icon
20
SPDR Gold Trust
GLD
$132B
$363K 0.22%
917
-44
-5% -$16.8K
SCHB icon
21
Schwab US Broad Market ETF
SCHB
$44.2B
$361K 0.22%
13,781
-87
-0.6% -$2.27K
VB icon
22
Vanguard Morningstar Small-Cap ETF
VB
$81.2B
$349K 0.21%
1,354
– –
NVDA icon
23
NVIDIA
NVDA
$5.07T
$270K 0.17%
1,449
+73
+5% +$13.6K
VPU
24
Vanguard Utilities ETF
VPU
$8.36B
$269K 0.17%
1,452
– –
VYM icon
25
Vanguard High Dividend Yield ETF
VYM
$81.6B
$254K 0.16%
1,772
– –
1
2

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Zynergy Retirement Planning's Q4 2025 Portfolio in Review

As of Q4 2025, Zynergy Retirement Planning held 29 positions worth $163M, up 2.5% from $159M the previous quarter. Its ten largest holdings account for 95% of the portfolio.

Zynergy Retirement Planning's Q4 2025 filing shows 1 new, 11 increased, 8 reduced and 2 closed positions. The largest sale was lululemon athletica, an estimated $534K.

By sector, the portfolio is most concentrated in Technology at 1.1% of assets, up from 1% a quarter earlier, followed by Consumer Discretionary and Utilities.

  • Zynergy Retirement Planning added most to Schwab Short-Term US Treasury ETF in Q4 2025, an estimated $2.5M increase.
  • Zynergy Retirement Planning's biggest Q4 2025 reduction was Schwab US TIPS ETF, cutting an estimated $143K.
  • Zynergy Retirement Planning fully exited lululemon athletica in Q4 2025, selling an estimated $534K.
  • Zynergy Retirement Planning's ten largest holdings make up 95% of its $163M portfolio in Q4 2025.
  • Zynergy Retirement Planning opened 1 new position and closed 2 in Q4 2025.
  • Zynergy Retirement Planning's portfolio value rose 2.5% quarter-over-quarter to $163M.

Based on Zynergy Retirement Planning's 13F filing for Q4 2025, filed 9 Jan 2026.