Effective holdings
?
The number of equal-weight positions that would produce this portfolio's concentration (1 ÷ Herfindahl index). A 500-stock fund dominated by a few mega-caps might have only ~100 effective holdings.
9
Crowding
?
The value-weighted average number of funds that also own this fund's positions. High = consensus/crowded picks; low = holdings few other funds own.
95.2
Holdings
As of March 31, 2026 · N-PORT
| # | Security | Ticker | Shares | Value | % of fund |
|---|
| 1 |
SCHWAB U.S. TIPS ETF MUTUAL FUND |
SCHP |
3,802,503 |
$101.18M |
19.31% |
| 2 |
VANGUARD US TOTAL STOCK MARKET SHARES INDEX ETF |
VTI |
291,254 |
$93.44M |
17.83% |
| 3 |
VANGUARD FTSE EM |
— |
1,534,116 |
$82.92M |
15.82% |
| 4 |
Vanguard 0-3 Month Treasury Bill ETF |
VBIL |
684,303 |
$51.77M |
9.88% |
| 5 |
VANGUARD FTSE PACIFIC ETF MUTUAL FUND |
VPL |
337,380 |
$32.97M |
6.29% |
| 6 |
JPMorgan BetaBuilders Europe ETF |
BBEU |
429,265 |
$31.08M |
5.93% |
| 7 |
ISHARES CORE MSCI EUROPE ETF |
IEUR |
363,520 |
$25.54M |
4.88% |
| 8 |
iShares Trust CORE US AGGREGATE BD ETF |
AGG |
205,936 |
$20.44M |
3.90% |
| 9 |
FRST AM-GV OB-X |
TMPXX |
15,744,442 |
$15.74M |
3.00% |
| 10 |
Vanguard International Equity Index Funds FTSE EUROPE ETF |
VGK |
173,521 |
$14.30M |
2.73% |
| 11 |
SCHWAB US REIT ETF MUTUAL FUND |
SCHH |
642,614 |
$13.81M |
2.64% |
| 12 |
VANGUARD TOTAL BOND MARKET ETF VANGUARD TOTAL BOND MARKET |
BND US |
157,984 |
$11.63M |
2.22% |
| 13 |
JPMORGAN BETABUILDERS CANADA ETF |
BBCA |
109,119 |
$10.26M |
1.96% |
| 14 |
Vanguard Value Index Fund ETF |
VTV |
45,345 |
$8.90M |
1.70% |
| 15 |
VANGUARD SM-C ET |
VB |
32,907 |
$8.62M |
1.64% |
| 16 |
ISHARES CORE MSCI EMERGING MUTUAL FUND |
IEMG |
110,183 |
$7.69M |
1.47% |
| 17 |
SCHWAB US BROAD MARKET ETF MUTUAL FUND |
SCHB |
242,280 |
$6.08M |
1.16% |
| 18 |
ISHARES CORE MSC |
— |
26,100 |
$2.00M |
0.38% |
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