AI Portfolio Summary
In 2025 Q4, Vernal Point Advisors, LLC maintained a portfolio of 23 distinct positions. The most significant new addition to the portfolio was VANGUARD INTL EQUITY, which now represents 0.60% of the total fund value. They heavily accumulated shares in VANGUARD INTL EQUITY, increasing their position by 10.8%. The fund also reduced its exposure to ISHARES TR by 67.6%.
Total Positions
23
Quarter
2025 Q4
Top Holding
VT (52.2%)
Top 10 Concentration
95.1%
Turnover Rate
23.4%
Sector HHI
0.18
Items per page:
1-23 of 23
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
|
VT
VANGUARD INTL E...
|
ETF | 52.24% | 48.16% |
#1
Prev: #1
|
8.0 | 87,714 | 10.8% |
P
S
|
898,109 | $126,687,261 | 2023 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VGSH
VANGUARD SCOTTS...
|
ETF | 11.82% | 13.82% |
#2
Prev: #2
|
6.0 | -56,367 | -10.4% |
P
S
|
488,196 | $28,671,743 | 2023 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VTI
VANGUARD INDEX ...
|
ETF | 10.50% | 10.33% |
#3
Prev: #3
|
5.5 | 3,107 | 4.3% |
P
S
|
75,916 | $25,452,357 | 2023 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VGIT
VANGUARD SCOTTS...
|
Bond/Debt | 5.00% | 5.31% |
#4
Prev: #4
|
3.0 | -2,920 | -1.4% |
P
S
|
202,320 | $12,125,064 | 2023 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
EMLP
FIRST TR EXCHAN...
|
ETF | 4.06% | 3.71% |
#5
1
Prev: #6
|
4.1 | 35,420 | 15.8% |
P
S
|
260,022 | $9,847,026 | 2024 Q1 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VXUS
VANGUARD STAR F...
|
Bond/Debt | 3.52% | 3.22% |
#6
1
Prev: #7
|
3.4 | 11,222 | 11.0% |
P
S
|
113,010 | $8,525,482 | 2023 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SHV
ISHARES TR
|
ETF | 2.87% | 3.14% |
#7
1
Prev: #8
|
1.6 | -2,640 | -4.0% |
P
S
|
63,237 | $6,965,556 | 2023 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IAU
ISHARES GOLD TR
|
ETF | 2.83% | 2.66% |
#8
1
Prev: #9
|
2.1 | no change | no change |
P
S
|
84,629 | $6,869,336 | 2025 Q2 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
AGG
ISHARES TR
|
ETF | 1.17% | 3.78% |
#9
4
Prev: #5
|
0.5 | -59,061 | -67.5% |
P
S
|
28,384 | $2,834,994 | 2023 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SHY
ISHARES TR
|
ETF | 1.08% | 1.13% |
#10
Prev: #10
|
1.4 | no change | no change |
P
S
|
31,705 | $2,625,808 | 2023 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IEI
ISHARES TR
|
ETF | 1.02% | 1.07% |
#11
Prev: #11
|
1.4 | no change | no change |
P
S
|
20,710 | $2,471,739 | 2023 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
QQQ
INVESCO QQQ TR
|
ETF | 0.77% | 0.79% |
#12
Prev: #12
|
1.3 | no change | no change |
P
S
|
3,035 | $1,864,431 | 2023 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VWO
VANGUARD INTL E...
|
ETF | 0.60% | — |
#13
Prev: #—
|
3.7 | 27,023 | no change |
NEW
|
27,023 | $1,452,756 | 2025 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SCHX
SCHWAB STRATEGI...
|
ETF | 0.55% | 0.57% |
#14
1
Prev: #13
|
1.2 | no change | no change |
P
S
|
49,806 | $1,340,279 | 2023 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SPY
SPDR S&P 500 ET...
|
ETF | 0.52% | 0.53% |
#15
Prev: #15
|
1.2 | no change | no change |
P
S
|
1,844 | $1,261,136 | 2023 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
VNQ
VANGUARD INDEX ...
|
ETF | 0.50% | 0.54% |
#16
2
Prev: #14
|
1.2 | no change | no change |
P
S
|
13,805 | $1,221,604 | 2023 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SPGM
SPDR INDEX SHS ...
|
ETF | 0.20% | 0.21% |
#17
Prev: #17
|
1.1 | no change | no change |
P
S
|
6,435 | $493,629 | 2023 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IJR
ISHARES TR
|
ETF | 0.15% | 0.16% |
#18
Prev: #18
|
1.1 | no change | no change |
P
S
|
3,066 | $368,472 | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
SCHF
SCHWAB STRATEGI...
|
Bond/Debt | 0.13% | 0.13% |
#19
Prev: #19
|
1.1 | no change | no change |
P
S
|
12,620 | $303,385 | 2023 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
MBB
ISHARES TR
|
ETF | 0.12% | 0.40% |
#20
4
Prev: #16
|
0.0 | -6,626 | -67.6% |
P
S
|
3,169 | $301,752 | 2023 Q4 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IJH
ISHARES TR
|
ETF | 0.12% | 0.12% |
#21
1
Prev: #20
|
1.0 | no change | no change |
P
S
|
4,320 | $285,120 | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IDV
ISHARES TR
|
Bond/Debt | 0.11% | 0.11% |
#22
Prev: #22
|
1.0 | no change | no change |
P
S
|
6,845 | $270,035 | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) | |||
|
IVE
ISHARES TR
|
ETF | 0.11% | 0.11% |
#23
2
Prev: #21
|
1.0 | no change | no change |
P
S
|
1,250 | $265,088 | 2025 Q3 | 13F Filing | 2025-12-31 | 2026-02-14 (Est.) |
Showing 1-23 of 23 holdings