Retireful, LLC
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 15, 2026), Retireful, LLC reported 93 stock positions worth $79.7 million. Its top holding was Invesco S&P 500 Equal Weight (RSP) at 10.6% of the portfolio, followed by SS SPDR S&P 500 ETF Trust-US (SPY, 5.4%) and SS Comm Select Sector SPDR (XLC, 2.7%). Compared with Q3 2025, it opened 52 new positions, sold out of 52, added to 2 and reduced 32. The biggest buy was a new position in Invesco S&P 500 Equal Weight (RSP) and the biggest sale SS SPDR S&P 500 ETF Trust-US (SPY, shares −63%).
- Most Recent 13F
- Q2 2026
- Location
- HASLETT, MI
- CIK
- 0001919176
- Portfolio Value
- $79.7M (Q4 2025)
- SEC Filing
- 0001919176-26-000001 ↗ filed Jan 15, 2026
Holdings Value
Holdings 93 stocks · $79.7M
| RSP Invesco S&P 500 Equal Weight | 10.62% | 43,839 | $8.5M | New |
| SPY SS SPDR S&P 500 ETF Trust-US | 5.39% | 6,256 | $4.3M | Reduce -63.1% |
| XLC SS Comm Select Sector SPDR | 2.67% | 18,005 | $2.1M | Reduce -0.7% |
| XLU St Sr Utl SL SE SPDR ETF-Usd | 2.65% | 49,114 | $2.1M | New |
| VFH Vanguard Financials ETF | 2.64% | 15,647 | $2.1M | Reduce -5.5% |
| VGT Vanguard Info Tech ETF | 2.61% | 2,739 | $2.1M | Reduce -6.9% |
| VNQ Vanguard Real Estate ETF | 2.40% | 21,491 | $1.9M | New |
| GOOGL Alphabet Inc. Class A | 2.31% | 5,867 | $1.8M | Reduce -0.7% |
| EXPE Expedia Group Inc. | 2.02% | 5,653 | $1.6M | Reduce -0.7% |
| WDC Western Digital Corp. | 1.88% | 8,504 | $1.5M | Reduce -0.8% |
| AVGO Broadcom Inc. | 1.87% | 4,264 | $1.5M | Reduce -0.8% |
| BIL SS SPDR BB 1-3M T-Bill ETF | 1.72% | 14,966 | $1.4M | Reduce -61.5% |
| APP AppLovin Corp. Class A | 1.63% | 1,879 | $1.3M | Reduce -0.6% |
| TPR Tapestry Inc. | 1.61% | 9,920 | $1.3M | Reduce -0.8% |
| SCCO Southern Copper Corp. | 1.50% | 8,206 | $1.2M | New |
| GLW Corning Inc. | 1.48% | 13,306 | $1.2M | Reduce -0.6% |
| UAL United Airlines Holdings Inc. | 1.48% | 10,553 | $1.2M | Reduce -22.5% |
| GM General Motors Co. | 1.44% | 13,983 | $1.2M | New |
| CAT Caterpillar Inc. | 1.40% | 1,931 | $1.1M | New |
| GBIL Goldman Sachs Access Treasur | 1.39% | 11,072 | $1.1M | Reduce -71.7% |
| CHRW C.H. Robinson Worldwide Inc. | 1.39% | 6,839 | $1.1M | Add +30.9% |
| AMD Advanced Micro Devices | 1.37% | 5,086 | $1.1M | Add +26.8% |
| NVDA Nvidia Corp. | 1.24% | 5,284 | $991K | Reduce -0.6% |
| TKO Tko Group Holdings Inc. | 1.24% | 4,626 | $991K | Reduce -25.0% |
| JKHY Jack Henry & Associates Inc. filed as HENRY JACK & ASSOC INC | 1.18% | 5,076 | $937K | New |
| EPAM Epam Systems Inc. | 1.17% | 4,532 | $935K | New |
| FIX Comfort Systems USA Inc. | 1.13% | 953 | $902K | Reduce -0.8% |
| RL Ralph Lauren Corp. | 1.13% | 2,511 | $901K | New |
| C Citigroup Inc. | 1.13% | 7,667 | $899K | Reduce -0.8% |
| AMAT Applied Materials Inc. | 1.12% | 3,434 | $893K | New |
| WMT Walmart Inc. | 1.12% | 7,961 | $891K | New |
| MU Micron Technology Inc. | 1.10% | 2,994 | $876K | No change |
| EXE Expand Energy Corp. | 1.04% | 7,431 | $832K | New |
| XLG Invesco S&P 500 Top 50 ETF | 1.02% | 13,650 | $814K | New |
| LLY Eli Lilly & Co. | 0.96% | 707 | $763K | New |
| CW Curtiss-Wright Corp. | 0.95% | 1,357 | $758K | Reduce -0.9% |
| AAPL Apple Inc. | 0.94% | 2,748 | $750K | New |
| DAL Delta Air Lines Inc. | 0.94% | 10,798 | $749K | Reduce -0.8% |
| WAT Waters Corp. | 0.93% | 1,940 | $745K | New |
| BKR Baker Hughes Co. | 0.91% | 15,790 | $728K | Reduce -29.6% |
| GVI iShares Intermediate Governm | 0.88% | 6,499 | $699K | New |
| FLEX Flex Ltd. | 0.87% | 11,202 | $691K | Reduce -0.8% |
| DAY Dayforce Inc. | 0.83% | 9,591 | $664K | Reduce -0.8% |
| NTRA Natera Inc. | 0.83% | 2,861 | $658K | New |
| AEP American Electric Power | 0.82% | 5,658 | $656K | New |
| ISRG Intuitive Surgical Inc. | 0.82% | 1,144 | $655K | New |
| ETR Entergy Corp. | 0.80% | 6,852 | $640K | New |
| ROST Ross Stores Inc. | 0.78% | 3,445 | $625K | New |
| FICO Fair Isaac Corp. | 0.78% | 355 | $620K | New |
| FDL First Trust Morn DVD Lead Inc. | 0.74% | 13,174 | $587K | New |
| PHM Pultegroup Inc. | 0.73% | 4,952 | $585K | Reduce -33.8% |
| URI United Rentals Inc. | 0.72% | 706 | $577K | Reduce -0.8% |
| WELL Welltower Inc. | 0.72% | 3,036 | $571K | New |
| JPST JPMorgan Ultra-Short Income | 0.64% | 9,986 | $507K | Reduce -84.9% |
| TMO Thermo Fisher Scientific Inc. | 0.58% | 787 | $459K | No change |
| AOA iShares Core 80/20 Aggressiv | 0.54% | 4,743 | $427K | New |
| IWF iShares Russell 1000 Growth | 0.53% | 888 | $424K | No change |
| CWB SS SPDR BB Conv Sec ETF | 0.53% | 4,710 | $422K | Reduce -71.7% |
| SPHQ Invesco S&P 500 Quality ETF | 0.51% | 5,336 | $404K | Reduce -70.8% |
| NEM Newmont Corp. | 0.49% | 3,862 | $393K | No change |
| PH Parker Hannifin Corp. | 0.49% | 437 | $388K | No change |
| AOR iShares Core 60/40 Balanced | 0.48% | 5,848 | $382K | New |
| INKM SS Income Allocation ETF | 0.48% | 11,537 | $382K | New |
| GAL SS Global Allocation ETF | 0.48% | 7,645 | $380K | Reduce -63.9% |
| CMI Cummins Inc. | 0.48% | 739 | $380K | No change |
| TIP iShares Tips Bond ETF | 0.48% | 3,442 | $379K | New |
| SGOV iShares 0-3 Month Treasury B | 0.45% | 3,588 | $360K | Reduce -71.6% |
| XLV SS Health Care Select Sector | 0.45% | 2,318 | $359K | New |
| MGV Vngrd Mrgstr MG CP VL ETF-Ui | 0.45% | 2,505 | $356K | New |
| RWL Invesco S&P 500 Revenue ETF | 0.45% | 3,107 | $356K | New |
| SPLV Invesco S&P 500 Low Volatili | 0.45% | 4,974 | $355K | New |
| FDMO Fidelity Momentum Factor ETF | 0.44% | 4,184 | $351K | New |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.44% | 720 | $351K | New |
| MOAT Vaneck Morningstar Wide Moat | 0.44% | 3,377 | $350K | Reduce -75.8% |
| AGGY Wisdomtree Yield Enhanced US | 0.44% | 7,919 | $350K | New |
| AGG iShares Core U.S. Aggregate | 0.44% | 3,471 | $348K | Reduce -75.7% |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | 0.43% | 828 | $344K | New |
| TFLO iShares Treasury Floating Ra | 0.41% | 6,556 | $331K | New |
| KLAC KLA Corp. | 0.37% | 240 | $298K | New |
| LRCX Lam Research Corp. | 0.36% | 1,630 | $283K | New |
| VTRS Viatris Inc. | 0.35% | 22,106 | $277K | New |
| CAH Cardinal Health Inc. | 0.34% | 1,313 | $272K | New |
| RTX RTX Corp. | 0.34% | 1,476 | $272K | New |
| B Barrick Mining Corp. | 0.34% | 6,138 | $272K | New |
| CTSH Cognizant Tech Solutions-A | 0.34% | 3,194 | $269K | New |
| STX Seagate Technology Holdings | 0.34% | 957 | $268K | New |
| COF Capital One Financial Corp. | 0.34% | 1,098 | $268K | New |
| KEY Keycorp | 0.34% | 12,883 | $267K | New |
| FCX Freeport-McMoran Inc. | 0.33% | 5,154 | $265K | New |
| COR Cencora Inc. | 0.32% | 747 | $254K | New |
| ADI Analog Devices Inc. | 0.31% | 905 | $249K | New |
| AMZN Amazon.com Inc. | 0.31% | 1,050 | $244K | No change |
| CSCO Cisco Systems Inc. | 0.26% | 2,650 | $205K | New |
Portfolio Sells Q3 2025 → Q4 2025
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -63.1% | 5.39% | −5.51 |
| JPST JPMorgan Ultra-Short Income | Reduce -84.9% | 0.64% | −2.61 |
| USFR Wisdomtree Floating Rate Tre | Sold out | 0.00% | −2.41 |
| GBIL Goldman Sachs Access Treasur | Reduce -71.7% | 1.39% | −2.40 |
| VCR Vanguard Consumer Discre ETF | Sold out | 0.00% | −2.17 |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | Sold out | 0.00% | −2.17 |
| SCHX Schwab US Large-Cap ETF | Sold out | 0.00% | −2.12 |
| STIP iShares 0-5 Year Tips Bond E | Sold out | 0.00% | −1.95 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Reduce -61.5% | 1.72% | −1.73 |
| ANET Arista Networks Inc. | Sold out | 0.00% | −1.60 |
| UI Ubiquiti Inc. | Sold out | 0.00% | −1.45 |
| BOND PIMCO Active Bond Exchange-T | Sold out | 0.00% | −1.42 |
| GEV GE Vernova Inc. | Sold out | 0.00% | −1.36 |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | Sold out | 0.00% | −1.33 |
| NET Cloudflare Inc. Class A | Sold out | 0.00% | −1.30 |
| P Everpure Inc. Class A | Sold out | 0.00% | −1.28 |
| USMV iShares MSCI USA Min Vol Fac | Sold out | 0.00% | −1.22 |
| BIV Vanguard Intermediate-Term B | Sold out | 0.00% | −1.20 |
| RDVY First Trust Rising Dividend | Sold out | 0.00% | −1.19 |
| BSV Vanguard Short-Term Bond ETF | Sold out | 0.00% | −0.99 |
| AGG iShares Core U.S. Aggregate | Reduce -75.7% | 0.44% | −0.95 |
| CWB SS SPDR BB Conv Sec ETF | Reduce -71.7% | 0.53% | −0.92 |
| MOAT Vaneck Morningstar Wide Moat | Reduce -75.8% | 0.44% | −0.90 |
| META Meta Platforms Inc. Class A | Sold out | 0.00% | −0.87 |
| WSM Williams-Sonoma Inc. | Sold out | 0.00% | −0.85 |
| FFIV F5 Inc. | Sold out | 0.00% | −0.83 |
| TOL Toll Brothers Inc. | Sold out | 0.00% | −0.80 |
| SGOV iShares 0-3 Month Treasury B | Reduce -71.6% | 0.45% | −0.78 |
| NOC Northrop Grumman Corp. | Sold out | 0.00% | −0.77 |
| FAST Fastenal Co. | Sold out | 0.00% | −0.74 |
| CG The Carlyle Group Inc. | Sold out | 0.00% | −0.71 |
| TROW T Rowe Price Group Inc. | Sold out | 0.00% | −0.69 |
| BX Blackstone Inc. | Sold out | 0.00% | −0.69 |
| ORCL Oracle Corp. | Sold out | 0.00% | −0.68 |
| SPHQ Invesco S&P 500 Quality ETF | Reduce -70.8% | 0.51% | −0.68 |
| XYZ Block Inc. | Sold out | 0.00% | −0.63 |
| ET Energy Transfer LP | Sold out | 0.00% | −0.63 |
| TIPX SS SPDR BB 1-10YR Tips ETF | Sold out | 0.00% | −0.56 |
| NTRS Northern Trust Corp. | Sold out | 0.00% | −0.56 |
| CCL Carnival Corp. | Sold out | 0.00% | −0.54 |
| GAL SS Global Allocation ETF | Reduce -63.9% | 0.48% | −0.53 |
| VFMV Vanguard US Minimum Volatili | Sold out | 0.00% | −0.39 |
| QGRO American Century US Quality | Sold out | 0.00% | −0.38 |
| IVV iShares Core S&P 500 ETF | Sold out | 0.00% | −0.37 |
| SPYG SS SPDR P S&P 500 Growth ETF | Sold out | 0.00% | −0.36 |
| SCHG Schwab US Large-Cap Growth | Sold out | 0.00% | −0.36 |
| SPMO Invesco S&P 500 Momentum ETF | Sold out | 0.00% | −0.36 |
| GRMN Garmin Ltd. | Sold out | 0.00% | −0.34 |
| HUBB Hubbell Inc. | Sold out | 0.00% | −0.34 |
| DASH DoorDash Inc. Class A | Sold out | 0.00% | −0.33 |
Portfolio Buys Q3 2025 → Q4 2025
| RSP Invesco S&P 500 Equal Weight | New | 10.62% | +10.62 |
| XLU St Sr Utl SL SE SPDR ETF-Usd | New | 2.65% | +2.65 |
| VNQ Vanguard Real Estate ETF | New | 2.40% | +2.40 |
| SCCO Southern Copper Corp. | New | 1.50% | +1.50 |
| GM General Motors Co. | New | 1.44% | +1.44 |
| CAT Caterpillar Inc. | New | 1.40% | +1.40 |
| JKHY Jack Henry & Associates Inc. | New | 1.18% | +1.18 |
| EPAM Epam Systems Inc. | New | 1.17% | +1.17 |
| RL Ralph Lauren Corp. | New | 1.13% | +1.13 |
| AMAT Applied Materials Inc. | New | 1.12% | +1.12 |
| WMT Walmart Inc. | New | 1.12% | +1.12 |
| EXE Expand Energy Corp. | New | 1.04% | +1.04 |
| XLG Invesco S&P 500 Top 50 ETF | New | 1.02% | +1.02 |
| LLY Eli Lilly & Co. | New | 0.96% | +0.96 |
| AAPL Apple Inc. | New | 0.94% | +0.94 |
| WAT Waters Corp. | New | 0.93% | +0.93 |
| GVI iShares Intermediate Governm | New | 0.88% | +0.88 |
| NTRA Natera Inc. | New | 0.83% | +0.83 |
| AEP American Electric Power | New | 0.82% | +0.82 |
| ISRG Intuitive Surgical Inc. | New | 0.82% | +0.82 |
| ETR Entergy Corp. | New | 0.80% | +0.80 |
| ROST Ross Stores Inc. | New | 0.78% | +0.78 |
| FICO Fair Isaac Corp. | New | 0.78% | +0.78 |
| AMD Advanced Micro Devices | Add +26.8% | 1.37% | +0.75 |
| FDL First Trust Morn DVD Lead Inc. | New | 0.74% | +0.74 |
| CHRW C.H. Robinson Worldwide Inc. | Add +30.9% | 1.39% | +0.72 |
| WELL Welltower Inc. | New | 0.72% | +0.72 |
| AOA iShares Core 80/20 Aggressiv | New | 0.54% | +0.54 |
| AOR iShares Core 60/40 Balanced | New | 0.48% | +0.48 |
| INKM SS Income Allocation ETF | New | 0.48% | +0.48 |
| TIP iShares Tips Bond ETF | New | 0.48% | +0.48 |
| XLV SS Health Care Select Sector | New | 0.45% | +0.45 |
| MGV Vngrd Mrgstr MG CP VL ETF-Ui | New | 0.45% | +0.45 |
| RWL Invesco S&P 500 Revenue ETF | New | 0.45% | +0.45 |
| SPLV Invesco S&P 500 Low Volatili | New | 0.45% | +0.45 |
| FDMO Fidelity Momentum Factor ETF | New | 0.44% | +0.44 |
| VUG Vanguard Mrngstar GR ETF-Sui | New | 0.44% | +0.44 |
| AGGY Wisdomtree Yield Enhanced US | New | 0.44% | +0.44 |
| MGK Vngrd Mrgstr MG CP GR ETF-Ui | New | 0.43% | +0.43 |
| TFLO iShares Treasury Floating Ra | New | 0.41% | +0.41 |
| KLAC KLA Corp. | New | 0.37% | +0.37 |
| LRCX Lam Research Corp. | New | 0.36% | +0.36 |
| VTRS Viatris Inc. | New | 0.35% | +0.35 |
| CAH Cardinal Health Inc. | New | 0.34% | +0.34 |
| RTX RTX Corp. | New | 0.34% | +0.34 |
| B Barrick Mining Corp. | New | 0.34% | +0.34 |
| CTSH Cognizant Tech Solutions-A | New | 0.34% | +0.34 |
| STX Seagate Technology Holdings | New | 0.34% | +0.34 |
| COF Capital One Financial Corp. | New | 0.34% | +0.34 |
| KEY Keycorp | New | 0.34% | +0.34 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 81 | $107.5M | RSP, SPY, GLW, WDC, AMD |
| Q1 2026 | 84 | $71.0M | RSP, VDE, VPU, XLU, SPY |
| Q4 2025 | 93 | $79.7M | RSP, SPY, XLC, XLU, VFH |
| Q3 2025 | 93 | $103.5M | SPY, GBIL, BIL, JPST, USFR |
| Q2 2025 | 144 | $145.1M | SPY, BIL, GBIL, FCOR, IBTH |
| Q1 2025 | 92 | $105.8M | GSEW, GBIL, FDL, BIL, USFR |
| Q4 2024 | 126 | $177.7M | RSP, GBIL, BIL, AOM, SGOV |
| Q3 2024 | 66 | $135.1M | RSP, SPY, XLRE, XLI, GBIL |
| Q2 2024 | 93 | $212.6M | SPY, GBIL, VV, BIL, SCHX |
| Q1 2024 | 90 | $240.5M | SPY, RSP, MOAT, GBIL, FDL |