SM
Sensible Money, LLC — 13F Portfolio Report & Top Holdings (Q3 2026)
Sensible Money, LLCCIK: 0001965229
Momentum followerSector-focusedLong-term holder
Total reported value
$388.8M
Reporting period: 2026-09-30 · Number of holdings: 105
Sensible Money, LLC disclosed 105 holdings in its latest 13F filing for the period ending 2026-09-30, with total reported value of $388.8M and a quarterly turnover rate of 7.1%.
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Personality snowflake
- Concentration
- 54.63
- Portfolio Stability
- 7.13
- Momentum
- 100
- Sector conviction
- 95.32
- Diversification
- 100
- Sizing Uniformity
- 63.3
Sensible Money, LLC's disclosed holdings carry a Herfindahl concentration index of 0.137 — mathematically equivalent to about 7 equally-sized positions, well below its 105 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 3.67), 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 4% 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.govAdd DFIC
+12.0% $3.7M
Add DFAC
+5.5% $5.6M
Trim DFAT
+5.0% -$170.4K
Trim DFAX
-2.9% -$605.9K
Add DISV
+0.4% $1.1M
Trim VTI
-20.5% -$586.5K
Holdings Map
New buyAddUnchangedTrim
* This report is exclusively curated by the AlphaSMO team. AlphaSMO is the web's most authoritative 13F / Inside Trader database, delivering precise insider trading and institutional holdings insights.
Top 10 holdings by weight
Full holdings list this quarter
| # | Ticker | Issuer | Asset Subclass | Weight | Weight Change | Shares Change | 4Q Trend |
|---|---|---|---|---|---|---|---|
| 1 | DFAC | Dimensional US Core Equity 2 | ETF-Other | 26.80% | +0.67% | +5.51% | |
| 2 | DFAT | Dimensional US Target Value | ETF-Other | 19.58% | -0.65% | +4.97% | |
| 3 | DFEV | Dimensional Emrg Mrkt Val | ETF-Other | 8.49% | +0.03% | +4.02% | |
| 4 | DFIC | Dimensional International Co | ETF-Other | 8.24% | +0.72% | +11.96% | |
| 5 | DFEM | Dimensional Emrg Mrkt Core | ETF-Other | 8.04% | -0.06% | +4.78% | |
| 6 | DFAX | Dimensional World Ex US Core | ETF-Other | 6.24% | -0.36% | -2.91% | |
| 7 | DISV | Dimensional International Sm | ETF-Other | 3.57% | +0.17% | +0.38% | |
| 8 | AAPL | Apple Inc | Stock-Tech | 1.18% | +0.11% | -1.81% | |
| 9 | SCHA | Schwab US Small-cap ETF | ETF-Other | 1.06% | -0.16% | -0.56% | |
| 10 | FNDE | Schwab Fndmntl Em Mrk Eq ETF | ETF-Other | 0.90% | +0.01% | -0.77% | |
| 11 | DFUS | Dimensional US Eq Mkt ETF | ETF-Other | 0.73% | +0.08% | +15.30% | |
| 12 | VTI | Vanguard Total Stock Mkt ETF | ETF-Other | 0.62% | -0.17% | -20.50% | |
| 13 | FCX | Freeport-mcmoran Inc | Stock-Materials | 0.58% | -0.06% | -16.45% | |
| 14 | SPY | Ss Spdr S&p 500 ETF Trust-us | ETF-Large Cap & Growth | 0.52% | -0.04% | -6.14% | |
| 15 | SLYV | Ss Spdr S&p 600 Sc Val ETF | ETF-Other | 0.52% | -0.05% | -0.97% | |
| 16 | IVV | Ishares Core S&p 500 ETF | ETF-Large Cap & Growth | 0.49% | +0.01% | +3.64% | |
| 17 | IEMG | Ishares Core Msci Emerging | ETF-Emerging Markets | 0.46% | -0.03% | -1.41% | |
| 18 | VEA | Vanguard Ftse Developed ETF | ETF-Other | 0.45% | -0.10% | -16.01% | |
| 19 | IWV | Ishares Russell 3000 ETF | ETF-Other | 0.41% | -0.01% | — | |
| 20 | GOOGL | Alphabet Inc-cl A | Stock-Comm Services | 0.39% | -0.06% | -6.57% | |
| 21 | QTEC | First Trust Nasdq 100 Tech I | ETF-Tech | 0.36% | -0.02% | — | |
| 22 | VOO | Vanguard S&p 500 ETF | ETF-Large Cap & Growth | 0.36% | — | — | |
| 23 | MSFT | Microsoft CORP | Stock-Tech | 0.35% | +0.11% | +8.81% | |
| 24 | AVEM | Avantis Emerging Markets Eq | ETF-Emerging Markets | 0.28% | +0.02% | +14.45% | |
| 25 | AVES | Avantis Emerging Markets Val | ETF-Emerging Markets | 0.27% | -0.01% | +0.02% | |
| 26 | BSCS | Invesco Bulletshares 2028 Cb | ETF-Other | 0.25% | +0.01% | +8.67% | |
| 27 | GOOG | Alphabet Inc-cl C | Stock-Comm Services | 0.24% | -0.03% | -5.18% | |
| 28 | BRK-B | Berkshire Hathaway Inc-cl B | Stock-Other | 0.24% | -0.01% | -0.32% | |
| 29 | SPYM | Ste Str Spdr Pt S&p 500 ETF | ETF-Large Cap & Growth | 0.23% | +0.01% | +4.64% | |
| 30 | IYW | Ishares Ustechnology ETF | ETF-Tech | 0.22% | +0.01% | +0.78% | |
| 31 | USMV | Ishares Msci USA Min Vol Fac | ETF-Other | 0.22% | — | — | |
| 32 | AMZN | Amazon.com Inc | Stock-Consumer Disc | 0.21% | -0.01% | -3.27% | |
| 33 | RSPH | Invesco S&p 500 Equal Weight | ETF-Large Cap & Growth | 0.21% | +0.02% | -1.22% | |
| 34 | RWJ | Invesco S&p Smallcap 600 | ETF-Other | 0.20% | -0.01% | +2.39% | |
| 35 | NVDA | Nvidia CORP | Stock-Tech | 0.20% | -0.01% | -14.82% | |
| 36 | SCHD | Schwab US Dvd Equity ETF | ETF-Other | 0.19% | +0.07% | +62.72% | |
| 37 | DFAW | Dimensional World Eqty ETF | ETF-Other | 0.19% | — | +2.57% | |
| 38 | JPM | Jpmorgan Chase & Co | Stock-Financials | 0.17% | -0.01% | — | |
| 39 | QQQM | Invesco Nasdaq 100 ETF | ETF-Tech | 0.17% | — | +1.79% | |
| 40 | BSCR | Invesco Bulletshares 2027 Cb | ETF-Other | 0.16% | +0.02% | +15.34% | |
| 41 | IJR | Ishares Core S&p Small-cap E | ETF-Small Cap | 0.16% | -0.13% | -40.08% | |
| 42 | DFLV | Dim US Large Cap Value ETF | ETF-Large Cap & Growth | 0.15% | -0.01% | +0.34% | |
| 43 | BSCU | Invesco Bulletshares 2030 Cb | ETF-Other | 0.15% | +0.01% | +13.19% | |
| 44 | SGOV | Ishares 0-3 Month Treasury B | ETF-Gov Bonds | 0.15% | +0.15% | NEW | |
| 45 | QQQ | Invesco Qqq Trust Series 1 | ETF-Tech | 0.15% | — | -2.40% | |
| 46 | PDN | Inv Rafi Dev Mkt US Sm-usdin | ETF-Other | 0.15% | — | +0.21% | |
| 47 | PKW | Invesco Buyback Achievers Et | ETF-Other | 0.15% | — | — | |
| 48 | MOAT | Vaneck Morningstar Wide Moat | ETF-Other | 0.14% | +0.07% | +102.24% | |
| 49 | BSCT | Invesco Bulletshares 2029 Cb | ETF-Other | 0.14% | +0.01% | +18.20% | |
| 50 | IEFA | Ishares Core Msci Eafe ETF | ETF-Other | 0.14% | — | +1.36% |
1–50 of 105
Portfolio Performance
Performance for Q4 2026
+0.7%
Performance Last 4 Quarters
+18.9%
- Stdev
- +12%
- Beta
- +0.85
- Alpha
- +1.6%
- Max Drawdown
- -7.3%
- Annualized Perf
- +21.9%
- Batting Avg vs S&P
- +38.9%
- Sortino
- +3.75
- Stutzer
- +0.5
- Treynor
- +0.24
- Sterling
- +1.41
- Calmar
- +3
- Information Ratio
- -0.26
- Tracking Error
- +6.3%
- Stdev Down
- +5.5%
- Winning Months %
- +72.2%
- Losing Months %
- +27.8%
- Best 12 Months
- +38.1%
- Worst 12 Months
- +3.6%
- Efficiency Ratio
- +0.71
- Sharpe
- +1.71
- Stdev Sectors
- +15.8%
- Skewness
- -0.08
- Kurtosis
- -0.46
- Upside Potential
- +5.33
Reported value over time
Sector allocation
Sector allocation over time
Quarterly history
| Period | Holdings | Total value | Stability | Top holdings | |
|---|---|---|---|---|---|
| 2026 Q3 | 105 | $388.8M | 7 | ||
| 2026 Q2 | 101 | $377.1M | 15 | ||
| 2026 Q1 | 86 | $328.7M | 10 | ||
| 2025 Q4 | 86 | $313.1M | 8 | ||
| 2025 Q3 | 88 | $294.2M | 23 | ||
| 2025 Q2 | 87 | $263.8M | 0 | ||
| 2025 Q1 | 83 | $233.4M | 0 | ||
| 2024 Q4 | 82 | $228.1M | 0 | ||
| 2024 Q3 | 86 | $228.9M | 0 | ||
| 2024 Q2 | 82 | $205.1M | 0 | ||
| 2024 Q1 | 82 | $186.0M | 0 | ||
| 2023 Q4 | 76 | $166.5M | 0 | ||
| 2023 Q3 | 72 | $141.8M | 0 | ||
| 2023 Q2 | 75 | $137.4M | — | ||
| 2023 Q1 | 71 | $115.8M | — | ||
| 2022 Q4 | 73 | $93.5M | — |
Holding changes this quarter
Sensible Money, LLC's most significant position changes for 2026-09-30: New buy: Ishares 0-3 Month Treasury B (SGOV); Sold out: Ishr Ibx Usd Invgd Cb Etf-ui (LQD); New buy: Dimensional US Marketwide Va (DFUV); New buy: Amkor Technology Inc (AMKR); Sold out: Dimensional US Small Cap Val (DFSV).
1–50 of 114
Filing History
FAQ
What is Sensible Money, LLC and what type of investor is it?
Sensible Money, 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 (2026-09-30), the firm manages a tracked equity portfolio valued at approximately $388.8M, spread across 105 disclosed positions.
What are Sensible Money, LLC's largest equity positions?
Based on the latest 13F filing, Sensible Money, LLC's top holdings by market value are:
1. Dimensional US Core Equity 2 (DFAC) — $104.2M (26.8%)
2. Dimensional US Target Value (DFAT) — $76.1M (19.6%)
3. Dimensional Emrg Mrkt Val (DFEV) — $33.0M (8.5%)
4. Dimensional International Co (DFIC) — $32.0M (8.2%)
5. Dimensional Emrg Mrkt Core (DFEM) — $31.3M (8.0%)
What changes did Sensible Money, LLC make in its most recent portfolio filing?
In the latest reported quarter, Sensible Money, LLC made 95 notable position adjustments: 13 new positions were initiated, 42 existing holdings were added to, 31 positions were partially reduced, and 9 were completely exited. The largest of these moves: New buy: Ishares 0-3 Month Treasury B (SGOV); Sold out: Ishr Ibx Usd Invgd Cb Etf-ui (LQD); New buy: Dimensional US Marketwide Va (DFUV); New buy: Amkor Technology Inc (AMKR); Sold out: Dimensional US Small Cap Val (DFSV)
What sectors does Sensible Money, LLC focus on?
Sensible Money, LLC is concentrated in the following sectors based on its current disclosed equity portfolio:
• Information Technology: 51.1%
• Communication Services: 16.0%
• Materials: 14.6%
• Financials: 6.3%
• Consumer Discretionary: 5.3%
• Health Care: 5.1%
Investment Profile
Sensible Money, LLC returned an annualized 21.9% over the trailing 36 months — outperforming the S&P 500 by 1.6 points — based on a reconstructed track record of its disclosed 13F positions, with a beta of 0.85 (less volatile than the market) and a 39% quarterly batting average against the index.
Its portfolio is moderately concentrated and long-term-holding, with 51.1% of the portfolio concentrated in Information Technology.
Its turnover score has fallen from 23 to 7 over the past 4 quarters — a shift toward longer holding periods.
It has added to its DFAC position over the past two quarters (+$18.3M, now $104.2M), while trimming DFAX over the same stretch (-$640.2K, still holding $24.3M).
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Developer Access
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REST API
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