Retirement Management Systems Inc.

All Holdings — 2025 Q4

AI Portfolio Summary
In 2025 Q4, Retirement Management Systems Inc. maintained a portfolio of 54 distinct positions. The most significant new addition to the portfolio was SPDR SERIES TRUST, which now represents 9.03% of the total fund value.
PCA Score Concentration Risk
Risk ENB
Total Positions
54
Quarter
2025 Q4
Top Holding
SPYG (9.0%)
Top 10 Concentration
52.7%
Turnover Rate
23.4%
Sector HHI
0.18
Items per page:
1-25 of 54
Stock History Sector / Type Port % Prev % Rank / Prev Conviction Change % Change Influence Shares Mkt Value Avg Cost Price Held 1st Owned Source Source Date Date Reported
SPYG
SPDR SERIES TRU...
Unknown 9.03% #1
Prev: #—
5.6 330,730 no change
NEW
330,730 $35,288,872 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
HFSI
HARTFORD FDS EX...
Unknown 5.93% #2
Prev: #—
4.4 652,544 no change
NEW
652,544 $23,152,261 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
BIV
VANGUARD BD IND...
Bond/Debt 5.50% #3
Prev: #—
4.2 276,001 no change
NEW
276,001 $21,494,942 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
IDMO
INVESCO EXCH TR...
Bond/Debt 5.19% #4
Prev: #—
4.1 365,121 no change
NEW
365,121 $20,289,769 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
IDEV
ISHARES TR
Bond/Debt 5.15% #5
Prev: #—
4.1 243,722 no change
NEW
243,722 $20,102,159 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
EVTR
MORGAN STANLEY ...
ETF 5.13% #6
Prev: #—
4.1 389,000 no change
NEW
389,000 $20,033,488 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
RECS
COLUMBIA ETF TR...
ETF 4.30% #7
Prev: #—
3.7 411,589 no change
NEW
411,589 $16,809,304 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
SPY
SPDR S&P 500 ET...
ETF 4.29% #8
Prev: #—
3.7 24,570 no change
NEW
24,570 $16,754,807 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
MGV
VANGUARD WORLD ...
ETF 4.15% #9
Prev: #—
3.7 114,829 no change
NEW
114,829 $16,209,251 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
EMXC
ISHARES INC
ETF 4.08% #10
Prev: #—
3.6 219,556 no change
NEW
219,556 $15,957,341 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
IOO
ISHARES TR
ETF 3.54% #11
Prev: #—
3.4 109,172 no change
NEW
109,172 $13,828,815 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
PVAL
PUTNAM ETF TRUS...
ETF 3.40% #12
Prev: #—
3.4 291,909 no change
NEW
291,909 $13,302,275 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
FMDE
FIDELITY COVING...
Unknown 2.78% #13
Prev: #—
3.1 298,119 no change
NEW
298,119 $10,845,586 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
SPYV
SPDR SERIES TRU...
Unknown 2.77% #14
Prev: #—
3.1 190,573 no change
NEW
190,573 $10,826,431 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
QQQM
INVESCO EXCH TR...
ETF 2.60% #15
Prev: #—
3.0 40,229 no change
NEW
40,229 $10,174,826 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
URTH
ISHARES INC
ETF 2.49% #16
Prev: #—
3.0 52,265 no change
NEW
52,265 $9,709,286 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
JMEE
J P MORGAN EXCH...
Unknown 2.41% #17
Prev: #—
3.0 146,208 no change
NEW
146,208 $9,412,888 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
SMH
VANECK ETF TRUS...
ETF 2.20% #18
Prev: #—
2.9 23,847 no change
NEW
23,847 $8,588,049 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
WTV
WISDOMTREE TR
Unknown 2.00% #19
Prev: #—
2.8 83,651 no change
NEW
83,651 $7,804,683 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
IWP
ISHARES TR
ETF 1.95% #20
Prev: #—
2.8 55,634 no change
NEW
55,634 $7,618,504 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
VO
VANGUARD INDEX ...
ETF 1.91% #21
Prev: #—
2.8 25,771 no change
NEW
25,771 $7,479,144 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
FUTY
FIDELITY COVING...
ETF 1.80% #22
Prev: #—
2.7 127,360 no change
NEW
127,360 $7,032,799 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
VB
VANGUARD INDEX ...
ETF 1.70% #23
Prev: #—
2.7 25,761 no change
NEW
25,761 $6,645,029 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
JAAA
JANUS DETROIT S...
ETF 1.62% #24
Prev: #—
2.6 125,056 no change
NEW
125,056 $6,325,345 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
ZROZ
PIMCO ETF TR
ETF 1.51% #25
Prev: #—
2.6 91,826 no change
NEW
91,826 $5,899,844 2025 Q4 13F Filing 2025-12-31 2026-02-14 (Est.)
Showing 1-25 of 54 holdings

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