Sensible Financial Planning & Management, LLC.
WALTHAM, MA
$551m in 31 US stocks at the end of 30 September 2025. The top 10 are 82.1% of the money. It changed about 1.7% of the portfolio this quarter.
Value
$551m
Stocks
31
Top 10 share
82.1%
Turnover
1.7%
What changed this quarter
New
Bought for the first time this quarter.
None this quarter.
Added
Bought more of a stock they already held.
- Schwab Strategic TRSCHP15.1% of the fund+2%
- Vanguard Charlotte FDSBNDX15.1% of the fund+5%
- Ishares TRMBB13.8% of the fund+8%
- Vanguard Index FDSVOO5.0% of the fund+5%
- Spdr Series TrustSPYX3.9% of the fund+2%
- Vanguard Scottsdale FDSVTC2.1% of the fund+2%
- Dimensional ETF TrustDFIP1.5% of the fund+14%
- Ishares TRESGU0.5% of the fund+10%
- Vanguard Scottsdale FDSBNDW0.4% of the fund+21%
- IsharesESGE<0.1% of the fund+10%
Cut
Sold some of their stake.
- Ishares TRMTUM4.1% of the fund-4%
- Vanguard World FDMGC2.8% of the fund-4%
- Schwab Strategic TRSCHX2.4% of the fund-2%
- Schwab Strategic TRSCHH1.3% of the fund-4%
- Vanguard Index FDSVB0.9% of the fund-2%
- Vanguard Index FDSVO0.6% of the fund-2%
- Vanguard Index FDSVNQ0.5% of the fund-4%
- Vanguard Malvern FDSVTIP0.4% of the fund-5%
- Ishares TRESGD0.2% of the fund-4%
- Dimensional ETF TrustDFAT0.2% of the fund-5%
Sold out
Sold their entire stake.
- EA Series TrustROE-100%
- EA Series TrustAGGA-100%
- Spdr Index SHS FDSEFAX-100%
- EA Series TrustGQQQ-100%
- Spdr Series TrustSPTI-100%
- Doubleline ETF TrustDMBS-100%
Holdings
- Schwab Strategic TRSCHP
- Share
- 15.1%
- Value
- $83m
- Shares
- 3,088,558
+2%
- Vanguard Charlotte FDSBNDX
- Share
- 15.1%
- Value
- $83m
- Shares
- 1,677,297
+5%
- Ishares TRMBB
- Share
- 13.8%
- Value
- $76m
- Shares
- 796,082
+8%
- Ishares TRUSIG
- Share
- 13.4%
- Value
- $74m
- Shares
- 1,407,927
Held
- Vanguard Index FDSVOO
- Share
- 5.0%
- Value
- $28m
- Shares
- 45,017
+5%
- Vanguard Index FDSVTI
- Share
- 4.7%
- Value
- $26m
- Shares
- 79,427
Held
- Ishares TRSTIP
- Share
- 4.2%
- Value
- $23m
- Shares
- 222,335
Held
- Ishares TRMTUM
- Share
- 4.1%
- Value
- $23m
- Shares
- 88,088
-4%
- Spdr Series TrustSPYX
- Share
- 3.9%
- Value
- $22m
- Shares
- 395,140
+2%
- Vanguard World FDMGC
- Share
- 2.8%
- Value
- $15m
- Shares
- 63,370
-4%
- Schwab Strategic TRSCHX
- Share
- 2.4%
- Value
- $13m
- Shares
- 495,277
-2%
- Vanguard Scottsdale FDSVTC
- Share
- 2.1%
- Value
- $12m
- Shares
- 146,989
+2%
- Vanguard Scottsdale FDSVMBS
- Share
- 2.0%
- Value
- $11m
- Shares
- 240,360
Held
- Dimensional ETF TrustDFIP
- Share
- 1.5%
- Value
- $8m
- Shares
- 194,181
+14%
- Spdr Index SHS FDSSPDW
- Share
- 1.3%
- Value
- $7m
- Shares
- 173,336
Held
- Schwab Strategic TRSCHH
- Share
- 1.3%
- Value
- $7m
- Shares
- 322,193
-4%
- Vanguard Index FDSVUG
- Share
- 1.2%
- Value
- $6m
- Shares
- 13,476
Held
- Vanguard Tax-Managed FDSVEA
- Share
- 1.0%
- Value
- $6m
- Shares
- 94,692
Held
- Vanguard Index FDSVB
- Share
- 0.9%
- Value
- $5m
- Shares
- 20,143
-2%
- Vanguard Intl Equity Index FVWO
- Share
- 0.6%
- Value
- $3m
- Shares
- 61,463
Held
- Vanguard Index FDSVO
- Share
- 0.6%
- Value
- $3m
- Shares
- 10,684
-2%
- Ishares TRESGU
- Share
- 0.5%
- Value
- $3m
- Shares
- 20,227
+10%
- Vanguard Index FDSVNQ
- Share
- 0.5%
- Value
- $3m
- Shares
- 29,990
-4%
- Vanguard Malvern FDSVTIP
- Share
- 0.4%
- Value
- $2m
- Shares
- 44,307
-5%
- Vanguard Index FDSVTV
- Share
- 0.4%
- Value
- $2m
- Shares
- 10,664
Held
- Vanguard Scottsdale FDSBNDW
- Share
- 0.4%
- Value
- $2m
- Shares
- 28,004
+21%
- Ishares TRESGD
- Share
- 0.2%
- Value
- $1m
- Shares
- 10,770
-4%
- Dimensional ETF TrustDFAT
- Share
- 0.2%
- Value
- $920,766
- Shares
- 15,818
-5%
- IsharesESGE
- Share
- <0.1%
- Value
- $540,362
- Shares
- 12,445
+10%
- Dimensional ETF TrustDFAI
- Share
- <0.1%
- Value
- $460,996
- Shares
- 12,682
Held
| Company | Share of fund | Value | Shares | Change |
|---|---|---|---|---|
| Schwab Strategic TRSCHP | 15.1% | $83m | 3,088,558 | +2% |
| Vanguard Charlotte FDSBNDX | 15.1% | $83m | 1,677,297 | +5% |
| Ishares TRMBB | 13.8% | $76m | 796,082 | +8% |
| Ishares TRUSIG | 13.4% | $74m | 1,407,927 | Held |
| Vanguard Index FDSVOO | 5.0% | $28m | 45,017 | +5% |
| Vanguard Index FDSVTI | 4.7% | $26m | 79,427 | Held |
| Ishares TRSTIP | 4.2% | $23m | 222,335 | Held |
| Ishares TRMTUM | 4.1% | $23m | 88,088 | -4% |
| Spdr Series TrustSPYX | 3.9% | $22m | 395,140 | +2% |
| Vanguard World FDMGC | 2.8% | $15m | 63,370 | -4% |
| Schwab Strategic TRSCHX | 2.4% | $13m | 495,277 | -2% |
| Vanguard Scottsdale FDSVTC | 2.1% | $12m | 146,989 | +2% |
| Vanguard Scottsdale FDSVMBS | 2.0% | $11m | 240,360 | Held |
| Dimensional ETF TrustDFIP | 1.5% | $8m | 194,181 | +14% |
| Spdr Index SHS FDSSPDW | 1.3% | $7m | 173,336 | Held |
| Schwab Strategic TRSCHH | 1.3% | $7m | 322,193 | -4% |
| Vanguard Index FDSVUG | 1.2% | $6m | 13,476 | Held |
| Vanguard Tax-Managed FDSVEA | 1.0% | $6m | 94,692 | Held |
| Vanguard Index FDSVB | 0.9% | $5m | 20,143 | -2% |
| Vanguard Intl Equity Index FVWO | 0.6% | $3m | 61,463 | Held |
| Vanguard Index FDSVO | 0.6% | $3m | 10,684 | -2% |
| Ishares TRESGU | 0.5% | $3m | 20,227 | +10% |
| Vanguard Index FDSVNQ | 0.5% | $3m | 29,990 | -4% |
| Vanguard Malvern FDSVTIP | 0.4% | $2m | 44,307 | -5% |
| Vanguard Index FDSVTV | 0.4% | $2m | 10,664 | Held |
| Vanguard Scottsdale FDSBNDW | 0.4% | $2m | 28,004 | +21% |
| CabotCBT | 0.3% | $2m | 24,979 | Held |
| Ishares TRESGD | 0.2% | $1m | 10,770 | -4% |
| Dimensional ETF TrustDFAT | 0.2% | $920,766 | 15,818 | -5% |
| IsharesESGE | <0.1% | $540,362 | 12,445 | +10% |
| Dimensional ETF TrustDFAI | <0.1% | $460,996 | 12,682 | Held |
Over time and by industry
Value over time
Sep '25
Value is up 4.6% since 30 June 2025.
Where the money is
Materials0.3%
Other99.7%
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.