Refined Wealth Management
Sector Allocation
- Other56.5%$101.0M
- Financials28.1%$50.1M
- Energy10.5%$18.7M
- Technology3.1%$5.5M
- Consumer Discretionary1.2%$2.2M
- Industrials0.5%$882,079
- Materials0.1%$140,086
AUM History
13fpro.ai/research/fund/refined-wealth-management-1724729
Conviction and streaks
Concentrating · top 10 = 67.8%From the fund's last 12 quarters of 13F filings: positions held longest at size, and names it added to or trimmed several quarters running.
Largest positions — Q3 2026
- VANGUARD$21.3M
QQQ
$18.0MIVZ
$15.1MBITB
$11.6MCOIN
$10.9MMPC
$9.7MCVX
$9.1M- PIMCO$8.7M
- VANGUARD$8.4M
- BLACKROCK$8.3M
- ISHARES$8.2M
GLD
$6.7M- J$5.9M
- SCHWAB$5.8M
- ISHARES$4.9M
- AMERICAN$2.7M
XRP
$2.7M- VANECK$2.6M
- $2.6M
ENVX
$2.5M
Top 20 stock positions. Options are left out: 13F reports them at the underlying's value.
13fpro.ai/research/fund/refined-wealth-management-1724729
Refined Wealth Management 13F holdings — Q3 2026
$178.6M portfolio (+7.8% QoQ) · 48 holdings · Q3 2026 13F · top 10 are 68% of the stock portfolio
- 1
VANGUARD TAX-MANAGED FDS - VAN FTSE DEV MKT
$21.3M
11.9% of stocks
+8%This quarter—Since filed—HeldAIQuality—Est. buy— $18.0M
10.1% of stocks
+6%This quarter-4.2%Since filed7 qtrsHeld$15.1M
8.5% of stocks
+10%This quarter-1.4%Since filed4 qtrsHeld$11.6M
6.5% of stocks
+2%This quarter-4.1%Since filed11+ qtrsHeld$10.9M
6.1% of stocks
-0.9%This quarter-12.2%Since filed11+ qtrsHeld$9.7M
5.4% of stocks
+0.8%This quarter-1.3%Since filed3 qtrsHeld$9.1M
5.1% of stocks
-1%This quarter+6.6%Since filed3 qtrsHeld- 8
PIMCO ETF TR - MULTISECTOR BD
$8.7M
4.9% of stocks
+8%This quarter—Since filed—HeldAIQuality—Est. buy— - 9
VANGUARD INDEX FDS - MRNGSTR VAL ETF
$8.4M
4.7% of stocks
+6%This quarter—Since filed—HeldAIQuality—Est. buy— - 10
BLACKROCK ETF TRUST II - ISHA FLEX IN ETF
$8.3M
4.7% of stocks
+9%This quarter—Since filed—HeldAIQuality—Est. buy—
| # | Company | Value | Weight | This quarter | Since filed | Held | AI quality | Est. buy | |
|---|---|---|---|---|---|---|---|---|---|
| 1 | VANGUARD TAX-MANAGED FDS - VAN FTSE DEV MKT | $21.3M | 11.9% | +8% | — | — | — | — | |
| 2 | $18.0M | 10.1% | +6% | -4.2% | 7 qtrs | — | Estimated buy price is Pro: unlock with a free trial | ||
| 3 | $15.1M | 8.5% | +10% | -1.4% | 4 qtrs | — | Estimated buy price is Pro: unlock with a free trial | ||
| 4 | $11.6M | 6.5% | +2% | -4.1% | 11+ qtrsAdded 5 qtrs in a row | — | Estimated buy price is Pro: unlock with a free trial | ||
| 5 | $10.9M | 6.1% | -0.9% | -12.2% | 11+ qtrs | 43.7#1,954 | Estimated buy price is Pro: unlock with a free trial | ||
| 6 | $9.7M | 5.4% | +0.8% | -1.3% | 3 qtrs | 61.4#781 | Estimated buy price is Pro: unlock with a free trial | ||
| 7 | $9.1M | 5.1% | -1% | +6.6% | 3 qtrs | AI quality score is Pro: unlock with a free trial | Estimated buy price is Pro: unlock with a free trial | ||
| 8 | PIMCO ETF TR - MULTISECTOR BD | $8.7M | 4.9% | +8% | — | — | — | — | |
| 9 | VANGUARD INDEX FDS - MRNGSTR VAL ETF | $8.4M | 4.7% | +6% | — | — | — | — | |
| 10 | BLACKROCK ETF TRUST II - ISHA FLEX IN ETF | $8.3M | 4.7% | +9% | — | — | — | — |
All holdings — Refined Wealth Management (Q3 2026)
48 disclosed positions from the Form 13F-HR on SEC EDGAR, with quarter-over-quarter share changes. Largest by value first; the ten above are not repeated.
| # | Company | Held | Source | |||||||
|---|---|---|---|---|---|---|---|---|---|---|
| 11 | — | ISHARES INC - MSCI EMRG CHNetf/fund | — | $8.2M | 4.6% | 82K | +6% | — | — | 13F |
| 12 | SPDR GOLD TRUSTetf/fund | Financials | $6.7M | 3.8% | 18K | +2% | 11+ qtrs | AI quality score is Pro: unlock with a free trial | 13F | |
| 13 | — | J P MORGAN EXCHANGE TRADED F - INTL BD OPP ETFetf/fund | — | $5.9M | 3.3% | 127K | +7% | — | — | 13F |
| 14 | — | SCHWAB STRATEGIC TR - INT-TRM U.S TRES | — | $5.8M | 3.3% | 245K | +5% | — | — | 13F |
| 15 | — | ISHARES INC - MSCI GBL ETF NEWetf/fund | — | $4.9M | 2.7% | 81K | +2% | — | — | 13F |
| 16 | — | AMERICAN CENTY ETF TR - US SML CP VALUetf/fund | — | $2.7M | 1.5% | 23K | +6% | — | — | 13F |
| 17 | Bitwise XRP ETFetf/fund | Financials | $2.7M | 1.5% | 161K | +5% | 3 qtrsAdded 3 qtrs in a row | AI quality score is Pro: unlock with a free trial | 13F | |
| 18 | — | VANECK ETF TRUST - RARE EAR STR ETFetf/fund | — | $2.6M | 1.4% | 40K | +4% | — | — | 13F |
| 19 | Invesco Ltd. | Financials | $2.6M | 1.4% | 18K | +7% | 4 qtrs | — | 13F | |
| 20 | Enovix Corp | Technology | $2.5M | 1.4% | 851K | +0.7% | 11+ qtrs | AI quality score is Pro: unlock with a free trial | 13F | |
| 21 | NEIGHBORHOOD INTELLIGENCE, INC. | Consumer Discretionary | $1.3M | 0.7% | 432K | +3% | 11+ qtrs | AI quality score is Pro: unlock with a free trial | 13F | |
| 22 | — | VANGUARD INDEX FDS - S&P 500 ETF SHSetf/fund | — | $1.2M | 0.7% | 1,677 | +11% | — | — | 13F |
| 23 | NVIDIA CORP | Technology | $1.1M | 0.6% | 4,847 | +0.4% | 11+ qtrs | AI quality score is Pro: unlock with a free trial | 13F | |
| 24 | Apple Inc. | Technology | $869K | 0.5% | 2,609 | -10% | 11+ qtrsTrimmed 3 qtrs in a row | AI quality score is Pro: unlock with a free trial | 13F | |
| 25 | — | FIRST TR EXCHANGE-TRADED FD - FIRST TR ENH NEW | — | $846K | 0.5% | 14K | — | — | — | 13F |
| 26 | — | NUSHARES ETF TR - NUVEEN ESG LRGCP | — | $785K | 0.4% | 6,908 | -6% | |||
| 27 | $AMZN | AMAZON COM INC | Consumer Discretionary | $727K | 0.4% | 2,918 | — | |||
| 28 | $UNP | UNION PACIFIC CORP | Industrials | $679K | 0.4% | 2,496 | +0.5% | |||
| 29 | — | VANGUARD WORLD FD - ESG INTL STK ETF | — | $621K | 0.3% | 7,657 | -9% | |||
| 30 | — | VANGUARD CHARLOTTE FDS - TOTAL INT BD ETF | — | $468K | 0.3% | 9,986 | -4% | |||
| 31 | — | SSGA ACTIVE ETF TR - ST STR BL LN ETF | — | $456K | 0.3% | 11K | -1% | |||
| 32 | $MSFT | MICROSOFT CORP | Technology | $449K | 0.3% | 875 | — | |||
| 33 | $META | Meta Platforms, Inc. | Technology | $416K | 0.2% | 574 | — | |||
| 34 | — | TIDAL TRUST II - DEFIANCE LARGE | — | $366K | 0.2% | 14K | — | |||
| 35 | $BRK.B | BERKSHIRE HATHAWAY INC | Financials | $348K | 0.2% | 698 | — | |||
| 36 | — | VANGUARD INDEX FDS - MRNGSTR MID CAP | — | $322K | 0.2% | 4,103 | -3% | |||
| 37 | — | VANGUARD INDEX FDS - MRNGSTR SML CAP | — | $261K | 0.1% | 918 | +2% | |||
| 38 | $GLDM | World Gold Trust | Financials | $252K | 0.1% | 3,072 | — | |||
| 39 | — | VANGUARD BD INDEX FDS - INTERMED TERM | — | $249K | 0.1% | 3,414 | New | |||
| 40 | — | ISHARES TR - 20 YR TR BD ETF | — | $226K | 0.1% | 2,902 | -2% | |||
| 41 | — | VANGUARD SCOTTSDALE FDS - LG-TERM COR BD | — | $226K | 0.1% | 3,295 | -2% | |||
| 42 | $TSLA | Tesla, Inc. | Consumer Discretionary | $216K | 0.1% | 609 | +0.5% | |||
| 43 | $AVGO | Broadcom Inc. | Technology | $204K | 0.1% | 581 | — | |||
| 44 | $ETN | Eaton Corp plc | Industrials | $203K | 0.1% | 472 | -18% | |||
| 45 | — | VOLATILITY SHS TR - XRP ETF | — | $100K | 0.1% | 12K | — | |||
| 46 | $NXE | NexGen Energy Ltd. | Materials | $100K | 0.1% | 11K | — | |||
| 47 | $DNN | DENISON MINES CORP. | Materials | $28K | 0.0% | 11K | — | |||
| 48 | $URG | UR-ENERGY INC | Materials | $12K | 0.0% | 11K | — |
What changed in Q3 2026
Against the previous quarter's 13F: 1 new, 24 added to, 11 trimmed, 1 sold out. Share-count changes; largest moves by dollar size first.
New positions (1)
- VANGUARD BD INDEX FDS - INTERMED TERM$249K
first bought this quarter
Added to (24)
- VANGUARD TAX-MANAGED FDS - VAN FTSE DEV MKT+8%
now $21.3M
now $15.1M · held 4 qtrs
now $18.0M · held 7 qtrs
- PIMCO ETF TR - MULTISECTOR BD+8%
now $8.7M
- BLACKROCK ETF TRUST II - ISHA FLEX IN ETF+9%
now $8.3M
- VANGUARD INDEX FDS - MRNGSTR VAL ETF+6%
now $8.4M
+18 more in the Excel export
Trimmed (11)
now $10.9M · held 11+ qtrs
now $9.1M · held 3 qtrs
$AAPLApple Inc.-10%
now $869K · held 11+ qtrs, 3 trims in a row
- VANGUARD WORLD FD - ESG INTL STK ETF-9%
now $621K
- NUSHARES ETF TR - NUVEEN ESG LRGCP-6%
now $785K
$ETNEaton Corp plc-18%
now $203K · held 6 qtrs, 3 trims in a row
+5 more in the Excel export
Sold out (1)
- WISDOMTREE TR - EM EX ST-OWNEDwas $225K
Holdings by quarter
Every 13F Refined Wealth Management has filed, 21 earlier quarters. Pick one to see what it held then.
Is it too late to follow Refined Wealth Management?
Q3 2026 13F filed with the SEC on Oct 13, 2026. Prices are closing prices as of Oct 26, 2026.
Average quality of Refined Wealth Management's top 20 holdings: 55/100 (our AI quality score, weighted by position size; 14 of the 20 are scored)
Top 10 since filing
-2.9%
Value-weighted move of the 10 largest stock positions
Turnover
1%
Last quarter; 51% over the last 4
Top 10 weight
68%
Share of the stock portfolio in its 10 largest positions
Held 4+ quarters
77%
Share of portfolio value in positions held a year or more
Highest-quality names it owns(among its 100 largest positions)
The 8 highest-scoring companies in this portfolio are a Pro feature.
How these are measured
- Moves since the quarter-end and since the filing date use our own daily closing prices, from the close on (or just before) each date to the latest close.
- Turnover is the lesser of shares bought or sold in a quarter, valued at the quarter-end prices in the 13F, divided by the average of the two quarters' stock portfolio values.
- Quarters held and add/trim streaks count back only through quarters whose filed holdings add up to the filing's own cover-page total (back to Q1 2024 for this fund). A change counts as an add or a trim when the split-adjusted share count moves by more than 1%.
- Estimate, not the fund's reported cost. For each quarter in the current holding period in which the fund's share count rose (split-adjusted), we take that quarter's average daily close and weight it by the shares added; sales do not change an average cost. Quarters where the stock's price history and the 13F's own implied price disagree by more than 2x are left out.
- Put and call option rows report the value of the underlying shares, not a position the fund paid for, so they are left out of all of the above.
Portfolio Overview
Refined Wealth Management disclosed 48 positions worth $178.6M in its Form 13F-HR for Q3 2026, followed by $QQQ and $IVZ. During the quarter the fund opened 1 new position and exited 1. The portfolio is most concentrated in Other (56.5% of disclosed assets). All figures are sourced directly from Refined Wealth Management’s Form 13F-HR filing with the SEC under CIK 1724729.
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