Retirement Management Systems

STEVENSVILLE, MDfiles as Retirement Management Systems Inc.

$488m in 55 US stocks at the end of 30 June 2026. The top 10 are 53.3% of the money. It changed about 3.7% of the portfolio this quarter.

Value

$488m

Stocks

Top 10 share

53.3%

Turnover

3.7%

What changed this quarter

New

Bought for the first time this quarter.

American Centy ETF TRAVDV
1.9% of the fund
Advanced Micro DevicesAMD
<0.1% of the fund
Invesco Exch Traded FD TR IISPMO
<0.1% of the fund
Spdr Series TrustSPTM
<0.1% of the fund
General ElectricGE
<0.1% of the fund
Vanguard Index FDSVOO
<0.1% of the fund

Added

Bought more of a stock they already held.

Hartford FDS Exchange TradedHFSI
6.0% of the fund
+15%
Morgan Stanley ETF TrustEVTR
5.6% of the fund
+14%
Vanguard BD Index FDSBIV
5.4% of the fund
+16%
Invesco Exch Traded FD TR IIIDMO
5.4% of the fund
+7%
Ishares TRIDEV
5.3% of the fund
+8%
Fidelity Covington TrustFMDE
4.7% of the fund
+6%
Putnam ETF TrustPVAL
4.6% of the fund
+7%
State STR Spdr S&P 500 ETF TSPY
4.4% of the fund
+6%
Columbia ETF TR IRECS
4.4% of the fund
+7%
Vanguard World FDMGV
4.0% of the fund
+6%
J P Morgan Exchange Traded FJMEE
3.6% of the fund
+6%
Ishares TRIOO
3.5% of the fund
+5%
American Centy ETF TRQINT
2.7% of the fund
+9%
Vanguard Index FDSVO
2.2% of the fund
+6%
Vaneck ETF TrustNLR
1.9% of the fund
+28%
Spdr Series TrustSPYV
1.9% of the fund
+6%
Vanguard Index FDSVB
1.8% of the fund
+6%
IsharesPICK
1.5% of the fund
+6%
Janus Detroit STR TRJAAA
1.5% of the fund
+6%
Schwab Strategic TRSCHP
1.3% of the fund
+7%
T Rowe Price Exchange-TradedTFLR
1.0% of the fund
+8%
WelltowerWELL
1.0% of the fund
+14%
VentasVTR
1.0% of the fund
+20%
Ishares TRIWF
0.8% of the fund
+2%
Ishares TRIGV
0.7% of the fund
+16%

Cut

Sold some of their stake.

IsharesEMXC
2.8% of the fund
-8%
Invesco Exch Traded FD TR IIQQQM
2.8% of the fund
-2%
Vaneck ETF TrustSMH
2.3% of the fund
-29%
EA Series TrustFRDM
2.1% of the fund
-7%
Ishares TRIUSV
0.1% of the fund
-10%
Ishares Gold TRIAU
<0.1% of the fund
-3%
AppleAAPL
<0.1% of the fund
-4%
Ishares TRIQLT
<0.1% of the fund
-8%
First TR Exchng Traded FD VIBUFR
<0.1% of the fund
-25%

Sold out

Sold their entire stake.

Wisdomtree TRWTV
-100%
IsharesURTH
-100%

Holdings

Spdr Series TrustSPYG
Share
7.6%
Value
$37m
Shares
313,160
Held
Hartford FDS Exchange TradedHFSI
Share
6.0%
Value
$29m
Shares
832,783
+15%
Morgan Stanley ETF TrustEVTR
Share
5.6%
Value
$27m
Shares
534,941
+14%
Vanguard BD Index FDSBIV
Share
5.4%
Value
$27m
Shares
347,018
+16%
Invesco Exch Traded FD TR IIIDMO
Share
5.4%
Value
$26m
Shares
435,488
+7%
Ishares TRIDEV
Share
5.3%
Value
$26m
Shares
290,113
+8%
Fidelity Covington TrustFMDE
Share
4.7%
Value
$23m
Shares
562,734
+6%
Putnam ETF TrustPVAL
Share
4.6%
Value
$22m
Shares
438,579
+7%
State STR Spdr S&P 500 ETF TSPY
Share
4.4%
Value
$21m
Shares
28,642
+6%
Columbia ETF TR IRECS
Share
4.4%
Value
$21m
Shares
493,262
+7%
Vanguard World FDMGV
Share
4.0%
Value
$20m
Shares
120,323
+6%
J P Morgan Exchange Traded FJMEE
Share
3.6%
Value
$18m
Shares
228,395
+6%
Ishares TRIOO
Share
3.5%
Value
$17m
Shares
123,827
+5%
IsharesEMXC
Share
2.8%
Value
$14m
Shares
135,011
-8%
Invesco Exch Traded FD TR IIQQQM
Share
2.8%
Value
$14m
Shares
44,612
-2%
American Centy ETF TRQINT
Share
2.7%
Value
$13m
Shares
190,401
+9%
Vaneck ETF TrustSMH
Share
2.3%
Value
$11m
Shares
17,236
-29%
Vanguard Index FDSVO
Share
2.2%
Value
$11m
Shares
130,732
+6%
EA Series TrustFRDM
Share
2.1%
Value
$10m
Shares
139,632
-7%
American Centy ETF TRAVDV
Share
1.9%
Value
$9m
Shares
90,488
New
Vaneck ETF TrustNLR
Share
1.9%
Value
$9m
Shares
78,894
+28%
Spdr Series TrustSPYV
Share
1.9%
Value
$9m
Shares
149,405
+6%
Vanguard Index FDSVB
Share
1.8%
Value
$9m
Shares
29,290
+6%
IsharesPICK
Share
1.5%
Value
$7m
Shares
123,859
+6%
Janus Detroit STR TRJAAA
Share
1.5%
Value
$7m
Shares
141,487
+6%
Schwab Strategic TRSCHP
Share
1.3%
Value
$6m
Shares
243,577
+7%
T Rowe Price Exchange-TradedTFLR
Share
1.0%
Value
$5m
Shares
98,088
+8%
WelltowerWELL
Share
1.0%
Value
$5m
Shares
20,729
+14%
VentasVTR
Share
1.0%
Value
$5m
Shares
52,718
+20%
Ishares TRIVV
Share
0.9%
Value
$5m
Shares
6,106
Held
Ishares TRIWF
Share
0.8%
Value
$4m
Shares
31,155
+2%
Ishares TRIGV
Share
0.7%
Value
$4m
Shares
39,582
+16%
Pimco ETF TRZROZ
Share
0.6%
Value
$3m
Shares
46,622
+13%
Fidelity Merrimack STR TRFBND
Share
0.6%
Value
$3m
Shares
59,799
+3%
NvidiaNVDA
Share
0.4%
Value
$2m
Shares
9,184
Held
American Centy ETF TRAVEM
Share
0.3%
Value
$1m
Shares
13,214
+2%
Invesco QQQ TRQQQ
Share
0.2%
Value
$880,651
Shares
1,196
Held
Spdr Gold TRGLD
Share
0.2%
Value
$827,013
Shares
2,245
+3%
Ishares TRTLH
Share
0.2%
Value
$788,149
Shares
7,854
Held
Curtiss WrightCW
Share
0.1%
Value
$730,481
Shares
964
+62%
Ishares TRIDU
Share
0.1%
Value
$634,677
Shares
5,537
+3%
Ishares TRIUSV
Share
0.1%
Value
$566,689
Shares
5,144
-10%
Spdr Series TrustSPYM
Share
0.1%
Value
$555,696
Shares
6,323
+3%
Fidelity Comwlth TRONEQ
Share
0.1%
Value
$516,100
Shares
5,000
Held
Berkshire HathawayBRK-B
Share
0.1%
Value
$491,383
Shares
982
Held
Ishares Gold TRIAU
Share
<0.1%
Value
$390,840
Shares
5,176
-3%
AppleAAPL
Share
<0.1%
Value
$381,664
Shares
1,319
-4%
T Rowe Price Exchange-TradedTBUX
Share
<0.1%
Value
$375,337
Shares
7,541
+17%
Advanced Micro DevicesAMD
Share
<0.1%
Value
$354,355
Shares
610
New
Ishares TRIQLT
Share
<0.1%
Value
$259,457
Shares
5,236
-8%
Invesco Exch Traded FD TR IISPMO
Share
<0.1%
Value
$222,947
Shares
1,380
New
Spdr Series TrustSPTM
Share
<0.1%
Value
$210,471
Shares
2,318
New
General ElectricGE
Share
<0.1%
Value
$206,707
Shares
553
New
First TR Exchng Traded FD VIBUFR
Share
<0.1%
Value
$203,983
Shares
5,584
-25%
Vanguard Index FDSVOO
Share
<0.1%
Value
$200,287
Shares
292
New

Company	Share of fund	Value	Shares	Change
Spdr Series TrustSPYG	7.6%	$37m	313,160	Held
Hartford FDS Exchange TradedHFSI	6.0%	$29m	832,783	+15%
Morgan Stanley ETF TrustEVTR	5.6%	$27m	534,941	+14%
Vanguard BD Index FDSBIV	5.4%	$27m	347,018	+16%
Invesco Exch Traded FD TR IIIDMO	5.4%	$26m	435,488	+7%
Ishares TRIDEV	5.3%	$26m	290,113	+8%
Fidelity Covington TrustFMDE	4.7%	$23m	562,734	+6%
Putnam ETF TrustPVAL	4.6%	$22m	438,579	+7%
State STR Spdr S&P 500 ETF TSPY	4.4%	$21m	28,642	+6%
Columbia ETF TR IRECS	4.4%	$21m	493,262	+7%
Vanguard World FDMGV	4.0%	$20m	120,323	+6%
J P Morgan Exchange Traded FJMEE	3.6%	$18m	228,395	+6%
Ishares TRIOO	3.5%	$17m	123,827	+5%
IsharesEMXC	2.8%	$14m	135,011	-8%
Invesco Exch Traded FD TR IIQQQM	2.8%	$14m	44,612	-2%
American Centy ETF TRQINT	2.7%	$13m	190,401	+9%
Vaneck ETF TrustSMH	2.3%	$11m	17,236	-29%
Vanguard Index FDSVO	2.2%	$11m	130,732	+6%
EA Series TrustFRDM	2.1%	$10m	139,632	-7%
American Centy ETF TRAVDV	1.9%	$9m	90,488	New
Vaneck ETF TrustNLR	1.9%	$9m	78,894	+28%
Spdr Series TrustSPYV	1.9%	$9m	149,405	+6%
Vanguard Index FDSVB	1.8%	$9m	29,290	+6%
IsharesPICK	1.5%	$7m	123,859	+6%
Janus Detroit STR TRJAAA	1.5%	$7m	141,487	+6%
Schwab Strategic TRSCHP	1.3%	$6m	243,577	+7%
T Rowe Price Exchange-TradedTFLR	1.0%	$5m	98,088	+8%
WelltowerWELL	1.0%	$5m	20,729	+14%
VentasVTR	1.0%	$5m	52,718	+20%
Ishares TRIVV	0.9%	$5m	6,106	Held
Ishares TRIWF	0.8%	$4m	31,155	+2%
Ishares TRIGV	0.7%	$4m	39,582	+16%
Pimco ETF TRZROZ	0.6%	$3m	46,622	+13%
Fidelity Merrimack STR TRFBND	0.6%	$3m	59,799	+3%
NvidiaNVDA	0.4%	$2m	9,184	Held
American Centy ETF TRAVEM	0.3%	$1m	13,214	+2%
Invesco QQQ TRQQQ	0.2%	$880,651	1,196	Held
Spdr Gold TRGLD	0.2%	$827,013	2,245	+3%
Ishares TRTLH	0.2%	$788,149	7,854	Held
Curtiss WrightCW	0.1%	$730,481	964	+62%
Ishares TRIDU	0.1%	$634,677	5,537	+3%
Ishares TRIUSV	0.1%	$566,689	5,144	-10%
Spdr Series TrustSPYM	0.1%	$555,696	6,323	+3%
Fidelity Comwlth TRONEQ	0.1%	$516,100	5,000	Held
Berkshire HathawayBRK-B	0.1%	$491,383	982	Held
Ishares Gold TRIAU	<0.1%	$390,840	5,176	-3%
AppleAAPL	<0.1%	$381,664	1,319	-4%
T Rowe Price Exchange-TradedTBUX	<0.1%	$375,337	7,541	+17%
Advanced Micro DevicesAMD	<0.1%	$354,355	610	New
Ishares TRIQLT	<0.1%	$259,457	5,236	-8%
Invesco Exch Traded FD TR IISPMO	<0.1%	$222,947	1,380	New
Spdr Series TrustSPTM	<0.1%	$210,471	2,318	New
General ElectricGE	<0.1%	$206,707	553	New
First TR Exchng Traded FD VIBUFR	<0.1%	$203,983	5,584	-25%
Vanguard Index FDSVOO	<0.1%	$200,287	292	New

Over time and by industry

Value over time

Dec '25

Jun '26

Value is up 25.0% since 31 December 2025.

Where the money is

Real estate1.9%

Technology0.5%

Industrials0.2%

Financial services0.1%

Other97.3%

From the fund's 13F filings. They list US stocks and options only, 45 days after each quarter, and leave out cash, bonds, shorts and foreign shares.