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Better Money Decisions, LLC Historical SEC 13F Holdings & Archive (Q2 2025)
Better Money Decisions, LLCCIK: 0001858428
Diversified strategySector-focusedLong-term holder
Total reported value
$164.6M
Reporting period: 2025-06-30 · Number of holdings: 74
Better Money Decisions, LLC disclosed 74 holdings in its latest 13F filing for the period ending 2025-06-30, with total reported value of $164.6M and a quarterly turnover rate of 0.0%.
Browse other institutions with $100M to $1B AUMBrowse other institutions starting with "B"
Personality snowflake
- Concentration
- 19.46
- Portfolio Stability
- 0
- Momentum
- 50
- Sector conviction
- 92.17
- Diversification
- 100
- Sizing Uniformity
- 83.77
Better Money Decisions, LLC's disclosed holdings carry a Herfindahl concentration index of 0.049 — mathematically equivalent to about 21 equally-sized positions, well below its 74 actual disclosed holdings. That gap points to a strategy built around a small core of high-conviction bets rather than broad diversification.
Position sizes vary widely across the portfolio (a coefficient of variation of 1.62), with a handful of outsized bets alongside many smaller positions.
No strong tilt toward either adding to existing winners or initiating outsized new positions was observed in the latest reported quarter.
Sector classification currently covers about 9% of this portfolio's disclosed value; the remainder includes holdings (e.g. unmapped tickers, options, or other security types) not yet covered by our sector mapping.
Source and citation information
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Recent moves
View source Form 13F filing on SEC.govNo holding changes this quarter
Holdings Map
New buyAddUnchangedTrim
Top 10 holdings by weight
Full holdings list this quarter
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | IEFA | Ishares Core Msci Eafe ETF | ETF-Other | 10.17% | — | +2.44% | |
| 2 | IGSB | Ishares 1-5y Inv Grade CORP | ETF-Other | 9.65% | — | +5.29% | |
| 3 | SPTS | Ss Spdr P St Term Tsy ETF | ETF-Other | 8.98% | — | +5.04% | |
| 4 | SPEM | State Street Sp Ptf Em ETF | ETF-Other | 6.84% | — | +4.30% | |
| 5 | DFAT | Dimensional US Target Value | ETF-Other | 6.14% | — | +5.30% | |
| 6 | IJH | Ishares Core S&p Midcap ETF | ETF-Other | 5.31% | — | +3.90% | |
| 7 | VOO | Vanguard S&p 500 ETF | ETF-Large Cap & Growth | 4.24% | — | -6.70% | |
| 8 | FLRN | Ss Spdr Bb Ig Float Rt ETF | ETF-Other | 3.89% | — | +8.46% | |
| 9 | SPAB | Ss Spdr P Agg Bond ETF | ETF-Other | 2.95% | — | +10.18% | |
| 10 | VB | Vanguard Small-cap ETF | ETF-Other | 2.77% | — | +0.74% | |
| 11 | NUDM | Nuveen Esg Intl Devel Mrk Eq | ETF-Other | 2.73% | — | +2.09% | |
| 12 | XVV | Ishares Esg Select Screened | ETF-Other | 2.57% | — | +2.12% | |
| 13 | AAPL | Apple Inc | Stock-Tech | 2.50% | — | +0.17% | |
| 14 | VCIT | Vanguard Int-term Corporate | ETF-Corp Bonds | 2.49% | — | -3.49% | |
| 15 | USRT | Ishares Core US Reit ETF | ETF-Other | 1.49% | — | +4.20% | |
| 16 | EAGG | Ishares Esg Aware US Aggrega | ETF-Other | 1.30% | — | +4.01% | |
| 17 | HYG | Ishr Ibx Usd Hiyld Cb Etf-ui | ETF-High Yield | 1.19% | — | +10.90% | |
| 18 | SPYV | Ss Spdr P S&p 500 Value ETF | ETF-Large Cap & Growth | 1.17% | — | +2.98% | |
| 19 | MSFT | Microsoft CORP | Stock-Tech | 1.06% | — | +0.60% | |
| 20 | SUSB | Ishares Esg Aware 1-5 Year U | ETF-Other | 1.06% | — | +2.49% | |
| 21 | NVDA | Nvidia CORP | Stock-Tech | 0.96% | — | +0.70% | |
| 22 | SPDW | Ste Str Spdr Pt Dw EU ETF | ETF-Other | 0.91% | — | +1.97% | |
| 23 | IAGG | Ishares Intl Aggregate Bond | ETF-Other | 0.90% | — | +4.53% | |
| 24 | AMZN | Amazon.com Inc | Stock-Consumer Disc | 0.89% | — | -1.63% | |
| 25 | SPYG | Ss Spdr P S&p 500 Growth ETF | ETF-Large Cap & Growth | 0.88% | — | +0.14% | |
| 26 | SPTM | Ss Spdr P S&p 1500 Comp ETF | ETF-Other | 0.87% | — | +3.37% | |
| 27 | XJR | Ishr Esg Ss S&p Smal-cap-usd | ETF-Other | 0.83% | — | +4.45% | |
| 28 | IYW | Ishares Ustechnology ETF | ETF-Tech | 0.66% | — | +0.05% | |
| 29 | HYXF | Ishares Esg Adv High Yield | ETF-High Yield | 0.66% | — | +1.97% | |
| 30 | IVV | Ishares Core S&p 500 ETF | ETF-Large Cap & Growth | 0.66% | — | -0.17% | |
| 31 | IJR | Ishares Core S&p Small-cap E | ETF-Small Cap | 0.62% | — | -1.28% | |
| 32 | VHT | Vanguard Health Care ETF | ETF-Other | 0.59% | — | +0.39% | |
| 33 | NUEM | Nuveen Esg Emerging Markets | ETF-Emerging Markets | 0.55% | — | +2.24% | |
| 34 | XJH | Ishare Esg Ss S&p Midcap ETF | ETF-Other | 0.55% | — | +4.07% | |
| 35 | NFLX | Netflix Inc | Stock-Comm Services | 0.54% | — | — | |
| 36 | JPM | Jpmorgan Chase & Co | Stock-Financials | 0.52% | — | +0.47% | |
| 37 | NULV | Nuveen Esg Large-cap Val ETF | ETF-Other | 0.52% | — | +3.45% | |
| 38 | TSLA | Tesla Inc | Stock-Consumer Disc | 0.48% | — | — | |
| 39 | BGRN | Ishares Usd Green Bond ETF | ETF-Other | 0.47% | — | +2.30% | |
| 40 | GOOGL | Alphabet Inc-cl A | Stock-Comm Services | 0.44% | — | +0.49% | |
| 41 | VIG | Vanguard Dividend Apprec ETF | ETF-Other | 0.41% | — | — | |
| 42 | TOST | Toast Inc-class A | Stock-Tech | 0.40% | — | -8.43% | |
| 43 | VTI | Vanguard Total Stock Mkt ETF | ETF-Other | 0.40% | — | -1.46% | |
| 44 | DFAC | Dimensional US Core Equity 2 | ETF-Other | 0.40% | — | -3.54% | |
| 45 | VYM | Vanguard High Dvd Yield ETF | ETF-Other | 0.35% | — | -3.82% | |
| 46 | META | Meta Platforms Inc-class A | Stock-Comm Services | 0.32% | — | +0.71% | |
| 47 | PHYL | Pgim Active High Yield Bond | ETF-High Yield | 0.31% | — | -3.01% | |
| 48 | IYJ | Ishares U.s. Industrials ETF | ETF-Other | 0.30% | — | +0.20% | |
| 49 | MGV | Vanguard Mega Cap Value ETF | ETF-Other | 0.29% | — | — | |
| 50 | BRK-B | Berkshire Hathaway Inc-cl B | Stock-Other | 0.28% | — | +0.32% |
1–50 of 74
Portfolio Performance
Performance for Q3 2026
+2.3%
Performance Last 4 Quarters
+15.3%
- Stdev
- +8.6%
- Beta
- +0.62
- Alpha
- +1.1%
- Max Drawdown
- -4.2%
- Annualized Perf
- +13.9%
- Batting Avg vs S&P
- +41.7%
- Sortino
- +3.1
- Stutzer
- +0.45
- Treynor
- +0.22
- Sterling
- +1.02
- Calmar
- +3.29
- Information Ratio
- -1.11
- Tracking Error
- +5.9%
- Stdev Down
- +4.3%
- Winning Months %
- +72.2%
- Losing Months %
- +27.8%
- Best 12 Months
- +22.2%
- Worst 12 Months
- +5.6%
- Efficiency Ratio
- +0.59
- Sharpe
- +1.56
- Stdev Sectors
- +15.3%
- Skewness
- -0.18
- Kurtosis
- -0.33
- Upside Potential
- +4.66
Reported value over time
Sector allocation
Sector allocation over time
Quarterly history
| Period | Holdings | Total value | Stability | Top holdings | |
|---|---|---|---|---|---|
| 2025 Q2 | 74 | $164.6M | 0 | ||
| 2025 Q1 | 68 | $149.8M | 100 | ||
| 2024 Q4 | 67 | $144.3M | 0 | ||
| 2024 Q3 | 64 | $141.0M | 0 | ||
| 2024 Q2 | 65 | $132.9M | 0 | ||
| 2024 Q1 | 66 | $126.1M | 0 | ||
| 2023 Q4 | 61 | $120.5M | 0 | ||
| 2023 Q3 | 58 | $113.6M | 0 | ||
| 2023 Q2 | 63 | $122.7M | 0 | ||
| 2023 Q1 | 64 | $118.5M | 0 | ||
| 2022 Q4 | 68 | $115.3M | 0 | ||
| 2022 Q3 | 57 | $102.7M | 0 | ||
| 2022 Q2 | 489 | $118.1M | 0 | ||
| 2022 Q1 | 59 | $106.7M | 0 | ||
| 2021 Q4 | 65 | $118.8M | 0 | ||
| 2021 Q3 | 640 | $121.3M | 0 | ||
| 2021 Q2 | 618 | $111.8M | 93 | ||
| 2021 Q1 | 572 | $96.9M | 0 |
💡
Data Source Notice: AlphaSMO is the web's most authoritative 13F / Inside Trader database. Institutional holdings and insider trades presented here are precisely computed to deliver accurate portfolio reporting.
Holding changes this quarter
| # | Ticker | Issuer | Weight Change | Shares Change | Action |
|---|
Filing History
FAQ
What is Better Money Decisions, LLC and what type of investor is it?
Better Money Decisions, LLC is an investment manager that files SEC Form 13F quarterly, disclosing its U.S. public equity holdings to regulators. As of the most recent reporting period (2025-06-30), the firm manages a tracked equity portfolio valued at approximately $164.6M, spread across 74 disclosed positions.
What are Better Money Decisions, LLC's largest equity positions?
Based on the latest 13F filing, Better Money Decisions, LLC's top holdings by market value are:
1. Ishares Core Msci Eafe ETF (IEFA) — $16.7M (10.2%)
2. Ishares 1-5y Inv Grade CORP (IGSB) — $15.9M (9.7%)
3. Ss Spdr P St Term Tsy ETF (SPTS) — $14.8M (9.0%)
4. State Street Sp Ptf Em ETF (SPEM) — $11.3M (6.8%)
5. Dimensional US Target Value (DFAT) — $10.1M (6.1%)
What changes did Better Money Decisions, LLC make in its most recent portfolio filing?
No notable portfolio changes were recorded for Better Money Decisions, LLC in the most recent quarter. Holdings appear to have remained relatively stable.
What sectors does Better Money Decisions, LLC focus on?
Better Money Decisions, LLC is concentrated in the following sectors based on its current disclosed equity portfolio:
• Information Technology: 49.4%
• Consumer Discretionary: 16.7%
• Communication Services: 13.9%
• Financials: 11.4%
• Consumer Staples: 4.5%
• Energy: 2.8%
Investment Profile
Better Money Decisions, LLC returned an annualized 13.9% over the trailing 36 months — outperforming the S&P 500 by 1.1 points — based on a reconstructed track record of its disclosed 13F positions, with a beta of 0.62 (less volatile than the market) and a 42% quarterly batting average against the index.
Its portfolio is broadly diversified and long-term-holding, with 49.4% of the portfolio concentrated in Information Technology.
It has added to its IEFA position over the past two quarters (+$3.4M, now $16.7M), while trimming VYM over the same stretch (-$83.9K, still holding $577.1K).
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