Better Money Decisions, LLC
Clone Performance
Sep 2023–Jan 2026 · vs SPYHypothetical growth of buying every stock this filer reported holding, rebalancing on each filing and indexed to the same start. Option positions cannot be bought this way and are left out.
Estimate. 13F holdings are quarter-lagged, so the clone rebalances about 45 days after each period end — when the filing becomes public — and it excludes option and short positions. Returns use comparable raw closes and exclude dividends. Captured split ratios restate closes onto one basis; only an unusable ratio can exclude earlier closes for that listing. It tracks 100% of reported value on average across 9 quarters.Better Money Decisions, LLC has stopped filing, so the simulation ends in Jan 2026 — where its last reported portfolio went stale — rather than trading that portfolio forward to today. Past performance does not predict future results.
Portfolio Concentration
38 tracked positions · as of Jun 30, 2025 · Δ vs Mar 31, 2025Portfolio Trend
Sector Breakdown
As of Jun 30, 2025| Sector | % Portfolio | Value |
|---|---|---|
| Unclassified | 90.1% | $147,797,336 |
| Technology | 5.1% | $8,317,753 |
| Consumer Cyclical | 1.6% | $2,579,363 |
| Communication Services | 1.3% | $2,148,774 |
| Financial Services | 1.1% | $1,773,379 |
| Consumer Defensive | 0.4% | $696,245 |
| Energy | 0.3% | $431,145 |
| Industrials | 0.1% | $205,397 |
Last Quarter's Activity
Export CSVAdded To
Positions the filer increased| Ticker | Company | Δ Shares | Shares | Value | Open |
|---|---|---|---|---|---|
| AAXJ | iShares MSCI All Country Asia ex Japan ETF | +38,826 | 1,054,007 | $62,355,802 | |
| BWX | State Street SPDR Bloomberg International Treasury Bond ETF | +36,532 | 481,861 | $16,472,065 | |
| BIL | State Street SPDR Bloomberg 1-3 Month T-Bill ETF | +24,181 | 504,368 | $14,772,938 | |
| CWI | State Street SPDR MSCI ACWI ex-US ETF | +11,568 | 300,223 | $12,748,281 | |
| DCOR | Dimensional US Core Equity 1 ETF | +8,903 | 216,787 | $11,090,243 | |
| FNDA | Schwab Fundamental U.S. Small Company ETF | +8,903 | 17,026 | $445,536 | |
| NCLO | Nuveen AA-BBB CLO ETF | +3,871 | 174,478 | $6,261,434 | |
| EDV | Vanguard World Funds Extended Duration ETF | +3,597 | 12,075 | $1,932,169 | |
| NVDA | Nvidia Corp | +70 | 10,032 | $1,584,955 | |
| AGGY | WisdomTree Yield Enhanced U.S. Aggregate Bond Fund | +68 | 9,648 | $306,420 | |
| AAPL | Apple Inc. | +35 | 20,034 | $4,110,375 | |
| MSFT | Microsoft Corp | +21 | 3,498 | $1,739,940 | |
| GOOGL | Alphabet Inc. | +20 | 4,140 | $729,592 | |
| JPM | Jpmorgan Chase & Co | +14 | 2,967 | $860,162 | |
| BNDC | FlexShares Core Select Bond Fund | +8 | 3,044 | $446,938 | |
| META | Meta Platforms, Inc. | +5 | 709 | $523,305 | |
| COST | Costco Wholesale Corp /New | +4 | 387 | $383,106 | |
| BRK-B | Berkshire Hathaway Inc | +3 | 949 | $460,995 | |
| BKF | iShares MSCI BIC ETF | +3 | 6,273 | $1,086,922 | |
| SPY | Spdr S&P 500 ETF Trust | +2 | 741 | $457,826 | |
| No positions match the current search. | |||||
Trimmed
Positions the filer reduced| Ticker | Company | Δ Shares | Shares | Value | Open |
|---|---|---|---|---|---|
| BNDW | Vanguard Total World Bond ETF | −3,699 | 53,399 | $4,414,325 | |
| TOST | Toast, Inc. | −1,382 | 15,021 | $665,280 | |
| VB | Vanguard Morningstar Small-Cap ETF | −1,015 | 37,690 | $12,854,278 | |
| AAAD | PGIM AAA CLO Aggregate Duration ETF | −442 | 14,250 | $505,732 | |
| VIGI | Vanguard International Dividend Appreciation ETF | −172 | 4,329 | $577,098 | |
| AMZN | Amazon Com Inc | −111 | 6,686 | $1,466,841 | |
| No positions match the current search. | |||||
New Positions
Positions the filer opened this quarter| Ticker | Company | Shares | Value | Open |
|---|---|---|---|---|
| TSLA | Tesla, Inc. | 2,486 | $789,702 | |
| TSM | Taiwan Semiconductor Manufacturing Co Ltd | 959 | $217,203 | |
| GE | General Electric Co | 798 | $205,397 | |
| AXP | American Express Co | 637 | $203,190 | |
| XLBI | State Street Materials Select Sector SPDR Premium Income ETF | 791 | $100,152 | |
| No positions match the current search. | ||||
Sold Out
Positions the filer fully exited| Ticker | Company | Shares | Value | Open |
|---|---|---|---|---|
| VEA | Vanguard FTSE Developed Markets ETF | 7,958 | $404,505 | |
| No positions match the current search. | ||||
| Ticker | Company | Type | Shares | Value (USD) | % of Portfolio | History |
|---|---|---|---|---|---|---|
| AAXJ |
iShares MSCI All Country Asia ex Japan ETF
|
Added | 1,054,007 | $62,355,802 | 38.03% | |
| BWX |
State Street SPDR Bloomberg International Treasury Bond ETF
|
Added | 481,861 | $16,472,065 | 10.05% | |
| BIL |
State Street SPDR Bloomberg 1-3 Month T-Bill ETF
|
Added | 504,368 | $14,772,938 | 9.01% | |
| VB |
Vanguard Morningstar Small-Cap ETF
|
Reduced | 37,690 | $12,854,278 | 7.84% | |
| CWI |
State Street SPDR MSCI ACWI ex-US ETF
|
Added | 300,223 | $12,748,281 | 7.78% | |
| DCOR |
Dimensional US Core Equity 1 ETF
|
Added | 216,787 | $11,090,243 | 6.76% | |
| NCLO |
Nuveen AA-BBB CLO ETF
|
Added | 174,478 | $6,261,434 | 3.82% | |
| BNDW |
Vanguard Total World Bond ETF
|
Reduced | 53,399 | $4,414,325 | 2.69% | |
| AAPL |
Apple Inc.
Technology
|
Added | 20,034 | $4,110,375 | 2.51% | |
| EDV |
Vanguard World Funds Extended Duration ETF
|
Added | 12,075 | $1,932,169 | 1.18% | |
| MSFT |
Microsoft Corp
Technology
|
Added | 3,498 | $1,739,940 | 1.06% | |
| NVDA |
Nvidia Corp
Technology
|
Added | 10,032 | $1,584,955 | 0.97% | |
| AMZN |
Amazon Com Inc
Consumer Cyclical
|
Reduced | 6,686 | $1,466,841 | 0.89% | |
| BKF |
iShares MSCI BIC ETF
|
Added | 6,273 | $1,086,922 | 0.66% | |
| NFLX |
Netflix Inc
Communication Services
|
Held | 669 | $895,877 | 0.55% | |
| JPM |
Jpmorgan Chase & Co
Financial Services
|
Added | 2,967 | $860,162 | 0.52% | |
| TSLA |
Tesla, Inc.
Consumer Cyclical
|
NEW | 2,486 | $789,702 | 0.48% | |
| GOOGL |
Alphabet Inc.
Communication Services
|
Added | 4,140 | $729,592 | 0.45% | |
| VIG |
Vanguard Dividend Appreciation ETF
|
Held | 3,323 | $680,118 | 0.41% | |
| TOST |
Toast, Inc.
Technology
|
Reduced | 15,021 | $665,280 | 0.41% | |
| VIGI |
Vanguard International Dividend Appreciation ETF
|
Reduced | 4,329 | $577,098 | 0.35% | |
| META |
Meta Platforms, Inc.
Communication Services
|
Added | 709 | $523,305 | 0.32% | |
| AAAD |
PGIM AAA CLO Aggregate Duration ETF
|
Reduced | 14,250 | $505,732 | 0.31% | |
| BRK-B |
Berkshire Hathaway Inc
Financial Services
|
Added | 949 | $460,995 | 0.28% | |
| SPY |
Spdr S&P 500 ETF Trust
|
Added | 741 | $457,826 | 0.28% | |
| BNDC |
FlexShares Core Select Bond Fund
|
Added | 3,044 | $446,938 | 0.27% | |
| FNDA |
Schwab Fundamental U.S. Small Company ETF
|
Added | 17,026 | $445,536 | 0.27% | |
| CVX |
Chevron Corp
Energy
|
Held | 3,011 | $431,145 | 0.26% | |
| COST |
Costco Wholesale Corp /New
Consumer Defensive
|
Added | 387 | $383,106 | 0.23% | |
| LOW |
Lowes Companies Inc
Consumer Cyclical
|
Held | 1,455 | $322,820 | 0.20% | |
| KO |
Coca Cola Co
Consumer Defensive
|
Held | 4,426 | $313,139 | 0.19% | |
| AGGY |
WisdomTree Yield Enhanced U.S. Aggregate Bond Fund
|
Added | 9,648 | $306,420 | 0.19% | |
| QQQ |
Invesco Qqq Trust, Series 1
|
Held | 524 | $289,059 | 0.18% | |
| KKR |
KKR & Co. Inc.
Financial Services
|
Held | 1,872 | $249,032 | 0.15% | |
| TSM |
Taiwan Semiconductor Manufacturing Co Ltd
Technology
|
NEW | 959 | $217,203 | 0.13% | |
| GE |
General Electric Co
Industrials
|
NEW | 798 | $205,397 | 0.13% | |
| AXP |
American Express Co
Financial Services
|
NEW | 637 | $203,190 | 0.12% | |
| XLBI |
State Street Materials Select Sector SPDR Premium Income ETF
|
NEW | 791 | $100,152 | 0.06% |
Covers the securities this platform tracks: U.S.-listed common stock and the put/call positions reported on it. A 13F can also report security types outside that coverage — preferred shares, bonds, warrants, untracked share classes — so the filing's own declared total can exceed the figures above. The source filing is linked at the top of this table.