Berkshire Money Management, Inc.

In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 27, 2026), Berkshire Money Management, Inc. reported 131 stock positions worth $1.0 billion. Its top holding was SS SPDR S&P 500 ETF Trust-US (SPY) at 22.2% of the portfolio, followed by SS SPDR Dow Jones Indus Avg (DIA, 9.5%) and Invesco QQQ Trust Series 1 (QQQ, 7.7%). Compared with Q3 2025, it opened 84 new positions, sold out of 1, added to 22 and reduced 15. The biggest buy was SS SPDR BB High Yield Bond (JNK, shares +53%) and the biggest sale SS SPDR S&P 500 ETF Trust-US (SPY, shares −0%).

Most Recent 13F
Q2 2026
Location
DALTON, MA
CIK
0001535172
Portfolio Value
$1.0B (Q4 2025)
SEC Filing
0001398344-26-001283 ↗ filed Jan 27, 2026

Holdings Value

0$500.0M$1.0B$1.5B Q1 2024: $828.4M Q1 2024 Q2 2024: $823.5M Q2 2024 Q3 2024: $873.7M Q3 2024 Q4 2024: $919.8M Q4 2024 Q1 2025: $891.1M Q1 2025 Q2 2025: $950.2M Q2 2025 Q3 2025: $971.6M Q3 2025 Q4 2025: $1.0B $1.0B Q4 2025 Q1 2026: $976.4M Q1 2026 Q2 2026: $1.1B Q2 2026

Holdings 131 stocks · $1.0B
SPY SS SPDR S&P 500 ETF Trust-US 22.17% 340,752 $232.4M Reduce -0.1%
DIA SS SPDR Dow Jones Indus Avg filed as SPDR DOW JONES INDL AVERAGE 9.47% 206,574 $99.3M Add +2.9%
QQQ Invesco QQQ Trust Series 1 7.71% 131,616 $80.9M Add +0.8%
KAUG Inv US SML Cap PB ETF - Aug 6.32% 2,496,244 $66.2M Add +1.9%
VIG Vanguard Dividend Apprec ETF 5.94% 283,087 $62.2M Reduce 0.0%
RSP Invesco S&P 500 Equal Weight 5.47% 299,108 $57.3M Add +5.9%
IWF iShares Russell 1000 Growth 5.18% 114,706 $54.3M Add +1.1%
SJNK SS SPDR BB St Hi Yield ETF 4.24% 1,755,779 $44.5M Add +3.0%
IVE iShares S&P 500 Value ETF 3.08% 152,364 $32.3M Add +0.2%
BSV Vanguard Short-Term Bond ETF 3.06% 406,845 $32.1M Reduce -16.6%
PJUN Innovator U.S. Equity Power 2.55% 637,168 $26.7M Add +0.2%
VUG Vanguard Mrngstar GR ETF-Sui 2.54% 54,479 $26.6M Add +2.8%
XLU St Sr Utl SL SE SPDR ETF-Usd 2.35% 576,065 $24.6M Add +2.1%
BIL SS SPDR BB 1-3M T-Bill ETF 2.19% 251,294 $23.0M Add +2.8%
MOAT Vaneck Morningstar Wide Moat 2.10% 212,614 $22.0M Add +2.3%
THNQ Robo Global Artificial Intel filed as EXCHANGE TRADED CONCEPTS TRU 1.46% 241,058 $15.3M Add +3.0%
JNK SS SPDR BB High Yield Bond 1.45% 156,057 $15.2M Add +52.5%
IGPT Invesco AI and Next Gen Soft 1.39% 245,620 $14.6M Add +0.9%
AAPL Apple Inc. 0.70% 26,950 $7.3M Add +12.5%
GRNY Fundstr Gran SH US LRG Cap 0.68% 287,529 $7.1M Add +17.2%
BFEB Innovator U.S. Equity Buffer 0.66% 141,361 $6.9M Reduce 0.0%
KJAN Innovator U.S. Small Cap Pow 0.59% 149,379 $6.2M Reduce -2.8%
QQQE Dirx Nasdaq-100EQ Wi ETF-Usd 0.54% 55,368 $5.7M Reduce -1.7%
KAPR Innovator U.S. Small Cap Pow 0.34% 100,464 $3.5M Reduce -0.8%
VOO Vanguard S&P 500 ETF 0.33% 5,556 $3.5M New
MTUM iShares MSCI USA Momentum Fa 0.33% 13,878 $3.5M Add +16.2%
UJAN Innovator U.S. Equity Ultra 0.33% 79,793 $3.5M No change
MSFT Microsoft Corp. 0.30% 6,498 $3.1M New
NVDA Nvidia Corp. 0.29% 16,551 $3.1M Add +4.0%
BOCT Innovator U.S. Equity Buffer 0.26% 55,587 $2.7M Reduce -1.4%
AMZN Amazon.com Inc. 0.24% 11,036 $2.5M Add +2.4%
OEF iShares S&P 100 ETF 0.21% 6,500 $2.2M New
PJUL Innovator U.S. Equity Power 0.20% 44,137 $2.0M No change
AVGO Broadcom Inc. 0.18% 5,584 $1.9M New
BJUL Innovator U.S. Equity Buffer 0.17% 35,230 $1.8M Reduce -1.9%
IWM iShares Russell 2000 ETF 0.17% 7,068 $1.7M New
VOT Vngrd Mrngstr MC GRW ETF-Usd 0.17% 6,200 $1.7M New
GOOGL Alphabet Inc. Class A 0.16% 5,264 $1.6M New
VONE Vanguard Russell 1000 0.16% 5,295 $1.6M New
VCSH Vanguard S/T Corp. Bond ETF 0.14% 18,513 $1.5M Add +4.2%
VV Vngrd Mrgstr LRG-Cap ETF-Usd 0.13% 4,420 $1.4M New
MDY State Street SPDR S&P Midcap 0.12% 2,163 $1.3M New
BJAN Innovator U.S. Equity Buffer 0.12% 23,219 $1.3M Reduce -1.5%
XOM Exxon Mobil Corp. 0.12% 10,362 $1.2M Reduce -3.7%
SMH Vaneck Semiconductor ETF 0.12% 3,347 $1.2M New
IGV iShares Expanded Tech-Softwa 0.11% 11,230 $1.2M New
RTX RTX Corp. 0.11% 6,428 $1.2M New
IVV iShares Core S&P 500 ETF 0.10% 1,569 $1.1M New
SGOV iShares 0-3 Month Treasury B 0.10% 10,542 $1.1M No change
META Meta Platforms Inc. Class A 0.10% 1,595 $1.1M New
BAPR Innovator U.S. Equity Buffer 0.10% 21,374 $1.0M No change
KDEC Inn US SML Cap P B ETF - Dec 0.09% 38,951 $995K Reduce -0.4%
BNOV Innovator U.S. Equity Buffer 0.09% 21,410 $952K Add +3.2%
USMV iShares MSCI USA Min Vol Fac 0.09% 10,062 $947K Reduce -83.1%
XLV SS Health Care Select Sector 0.08% 5,394 $835K New
BRK.B Berkshire Hathaway Inc. Class B 0.08% 1,612 $810K New
V Visa Inc. Class A 0.07% 1,989 $698K New
MGK Vngrd Mrgstr MG CP GR ETF-Ui 0.07% 1,679 $693K New
NJAN Innovator Growth 100 Power B 0.06% 12,055 $662K No change
BSEP Innovator U.S. Equity Buffer 0.06% 12,687 $625K No change
COST Costco Wholesale Corp. 0.06% 702 $605K New
FDN First Trust DJ Internet Ind 0.06% 2,188 $589K New
BSCQ Invesco Bulletshares 2026 CB 0.05% 28,942 $567K No change
GOOG Alphabet Inc. Class C 0.05% 1,765 $554K New
BAUG Innovator U.S. Equity Buffer 0.05% 10,801 $540K Reduce -7.5%
JPM JPMorgan Chase & Co. 0.05% 1,616 $521K New
TFC Truist Financial Corp. 0.05% 10,192 $502K Reduce -1.0%
PNOV Innovator U.S. Equity Power 0.05% 11,871 $496K No change
PRK Park National Corp. 0.05% 3,228 $491K New
TSLA Tesla Inc. 0.05% 1,085 $488K New
PH Parker Hannifin Corp. 0.05% 552 $485K New
SPLV Invesco S&P 500 Low Volatili 0.04% 6,578 $470K New
GLD SPDR Gold Shares 0.04% 1,166 $462K New
HD Home Depot Inc. 0.04% 1,307 $450K New
XLI SS Industrial Select Sector 0.04% 2,864 $444K New
AMD Advanced Micro Devices 0.04% 2,056 $440K New
VOOV Vanguard S&P 500 Value ETF 0.04% 2,142 $439K New
BA The Boeing Co. 0.04% 1,936 $420K New
MA Mastercard Inc. Class A 0.04% 729 $416K New
BSCS Invesco Bulletshares 2028 CB 0.04% 20,159 $415K No change
KO The Coca-Cola Co. 0.04% 5,858 $410K New
SDY SS SPDR S&P Dividend ETF 0.04% 2,922 $407K New
PJAN Innovator U.S. Equity Power 0.04% 8,204 $386K New
MU Micron Technology Inc. 0.04% 1,340 $382K New
LLY Eli Lilly & Co. 0.04% 346 $371K New
IYJ iShares U.S. Industrials ETF 0.04% 2,500 $370K New
W Wayfair Inc. Class A 0.03% 3,483 $350K New
PG The Procter & Gamble Co. 0.03% 2,431 $348K New
JNJ Johnson & Johnson 0.03% 1,640 $339K New
EMR Emerson Electric Co. 0.03% 2,528 $336K New
GD General Dynamics Corp. 0.03% 989 $333K New
LQD Ishr Ibx Usd Invgd CB ETF-Ui 0.03% 2,973 $328K New
CSX CSX Corp. 0.03% 8,869 $322K New
HLT Hilton Worldwide Holdings Inc. 0.03% 1,114 $320K New
POCT Innovator U.S. Equity Power 0.03% 7,046 $309K New
DLN Wisdomtree US Largecap Divid 0.03% 3,500 $308K New
ADI Analog Devices Inc. 0.03% 1,119 $303K New
BJUN Innovator U.S. Equity Buffer 0.03% 6,329 $296K New
MGC Vngrd Mrngstr MG Cap ETF-Usd 0.03% 1,175 $295K New
MMTM SS SPDR S&P 1500 Mom Tilt 0.03% 994 $290K New
PFG Principal Financial Group 0.03% 3,222 $284K New
CSCO Cisco Systems Inc. 0.03% 3,536 $272K New
BMAY Innovator U.S. Equity Buffer 0.03% 6,072 $272K New
ABT Abbott Laboratories 0.03% 2,165 $271K New
WMT Walmart Inc. 0.02% 2,323 $259K New
CARR Carrier Global Corp. 0.02% 4,862 $257K New
BSCR Invesco Bulletshares 2027 CB 0.02% 13,004 $257K No change
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.02% 4,637 $255K New
QCOM Qualcomm Inc. 0.02% 1,485 $254K New
VERA Vera Therapeutics Inc. 0.02% 5,000 $253K New
ADP Automatic Data Processing 0.02% 982 $253K New
CAT Caterpillar Inc. 0.02% 434 $249K New
TSM Taiwan Semiconductor-SP ADR 0.02% 811 $246K New
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.02% 1,604 $246K New
NFLX Netflix Inc. 0.02% 2,591 $243K New
IVW iShares S&P 500 Growth ETF 0.02% 1,875 $231K New
PAUG Innovator U.S. Equity Power 0.02% 5,173 $224K New
CEG Constellation Energy 0.02% 620 $219K New
TIP iShares Tips Bond ETF 0.02% 1,963 $216K New
UNH Unitedhealth Group Inc. 0.02% 651 $215K New
XLF SS Financial Select Sector 0.02% 3,882 $213K New
HON Honeywell International Inc. 0.02% 1,084 $211K New
CRM Salesforce Inc. 0.02% 791 $210K New
T AT&T Inc. 0.02% 8,396 $209K New
QQQM Invesco Nasdaq 100 ETF 0.02% 821 $208K New
PEP Pepsico Inc. 0.02% 1,442 $207K New
VB Vanguard Most SM-Cap ETF-Usd 0.02% 801 $207K New
EFA iShares MSCI Eafe ETF 0.02% 2,146 $206K New
BND Vanguard Total Bond Market 0.02% 2,751 $204K New
XLE SS Energy Select Sector 0.02% 4,537 $203K New
NEE Nextera Energy Inc. 0.02% 2,513 $202K New

Portfolio Sells Q3 2025 → Q4 2025
SPY SS SPDR S&P 500 ETF Trust-US Reduce -0.1% 22.17% −1.23
BSV Vanguard Short-Term Bond ETF Reduce -16.6% 3.06% −0.90
USMV iShares MSCI USA Min Vol Fac Reduce -83.1% 0.09% −0.49
VIG Vanguard Dividend Apprec ETF Reduce 0.0% 5.94% −0.35
QQQE Dirx Nasdaq-100EQ Wi ETF-Usd Reduce -1.7% 0.54% −0.05
KJAN Innovator U.S. Small Cap Pow Reduce -2.8% 0.59% −0.05
BFEB Innovator U.S. Equity Buffer Reduce 0.0% 0.66% −0.03
BSCP Invesco Bulletshares 2025 CB Sold out 0.00% −0.03
KAPR Innovator U.S. Small Cap Pow Reduce -0.8% 0.34% −0.02
BOCT Innovator U.S. Equity Buffer Reduce -1.4% 0.26% −0.02
BJUL Innovator U.S. Equity Buffer Reduce -1.9% 0.17% −0.01
KDEC Inn US SML Cap P B ETF - Dec Reduce -0.4% 0.09% −0.01
BAUG Innovator U.S. Equity Buffer Reduce -7.5% 0.05% −0.01
BJAN Innovator U.S. Equity Buffer Reduce -1.5% 0.12% −0.01
XOM Exxon Mobil Corp. Reduce -3.7% 0.12% −0.01
TFC Truist Financial Corp. Reduce -1.0% 0.05% −0.00

Portfolio Buys Q3 2025 → Q4 2025
JNK SS SPDR BB High Yield Bond Add +52.5% 1.45% +0.42
VOO Vanguard S&P 500 ETF New 0.33% +0.33
MSFT Microsoft Corp. New 0.30% +0.30
OEF iShares S&P 100 ETF New 0.21% +0.21
AVGO Broadcom Inc. New 0.18% +0.18
IWM iShares Russell 2000 ETF New 0.17% +0.17
VOT Vngrd Mrngstr MC GRW ETF-Usd New 0.17% +0.17
GOOGL Alphabet Inc. Class A New 0.16% +0.16
VONE Vanguard Russell 1000 New 0.16% +0.16
VV Vngrd Mrgstr LRG-Cap ETF-Usd New 0.13% +0.13
MDY State Street SPDR S&P Midcap New 0.12% +0.12
SMH Vaneck Semiconductor ETF New 0.12% +0.12
IGV iShares Expanded Tech-Softwa New 0.11% +0.11
RTX RTX Corp. New 0.11% +0.11
IVV iShares Core S&P 500 ETF New 0.10% +0.10
META Meta Platforms Inc. Class A New 0.10% +0.10
XLV SS Health Care Select Sector New 0.08% +0.08
BRK.B Berkshire Hathaway Inc. Class B New 0.08% +0.08
AAPL Apple Inc. Add +12.5% 0.70% +0.07
V Visa Inc. Class A New 0.07% +0.07
MGK Vngrd Mrgstr MG CP GR ETF-Ui New 0.07% +0.07
COST Costco Wholesale Corp. New 0.06% +0.06
FDN First Trust DJ Internet Ind New 0.06% +0.06
GOOG Alphabet Inc. Class C New 0.05% +0.05
JPM JPMorgan Chase & Co. New 0.05% +0.05
GRNY Fundstr Gran SH US LRG Cap Add +17.2% 0.68% +0.05
PRK Park National Corp. New 0.05% +0.05
TSLA Tesla Inc. New 0.05% +0.05
PH Parker Hannifin Corp. New 0.05% +0.05
SPLV Invesco S&P 500 Low Volatili New 0.04% +0.04
GLD SPDR Gold Shares New 0.04% +0.04
HD Home Depot Inc. New 0.04% +0.04
XLI SS Industrial Select Sector New 0.04% +0.04
AMD Advanced Micro Devices New 0.04% +0.04
VOOV Vanguard S&P 500 Value ETF New 0.04% +0.04
BA The Boeing Co. New 0.04% +0.04
MA Mastercard Inc. Class A New 0.04% +0.04
IGPT Invesco AI and Next Gen Soft Add +0.9% 1.39% +0.04
KO The Coca-Cola Co. New 0.04% +0.04
SDY SS SPDR S&P Dividend ETF New 0.04% +0.04
PJAN Innovator U.S. Equity Power New 0.04% +0.04
MU Micron Technology Inc. New 0.04% +0.04
LLY Eli Lilly & Co. New 0.04% +0.04
IYJ iShares U.S. Industrials ETF New 0.04% +0.04
W Wayfair Inc. Class A New 0.03% +0.03
PG The Procter & Gamble Co. New 0.03% +0.03
JNJ Johnson & Johnson New 0.03% +0.03
EMR Emerson Electric Co. New 0.03% +0.03
GD General Dynamics Corp. New 0.03% +0.03
LQD Ishr Ibx Usd Invgd CB ETF-Ui New 0.03% +0.03

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 56$1.1BSPY, DIA, QQQ, KNOV, RSP
Q1 2026 52$976.4MSPY, DIA, KNOV, VIG, RSP
Q4 2025 131$1.0BSPY, DIA, QQQ, KAUG, VIG
Q3 2025 48$971.6MSPY, DIA, QQQ, KAUG, VIG
Q2 2025 154$950.2MSPY, DIA, QQQ, BSV, KAUG
Q1 2025 102$891.1MSPY, QQQ, DIA, KAUG, VIG
Q4 2024 86$919.8MSPY, QQQ, DIA, RSP, VIG
Q3 2024 40$873.7MSPY, QQQ, KJAN, RSP, DIA
Q2 2024 39$823.5MSPY, QQQE, QQQ, KJAN, DIA
Q1 2024 84$828.4MSPY, DIA, QQQE, KJAN, QQQ