Sensible Financial Planning & Management, LLC.
In its 13F for Q1 2025 (holdings as of March 31, 2025, filed April 28, 2025), Sensible Financial Planning & Management, LLC. reported 30 stock positions worth $501.0 million. Its top holding was Schwab U.S. Tips ETF (SCHP) at 16.1% of the portfolio, followed by Vanguard Total Intl Bond ETF (BNDX, 15.2%) and iShares Broad Usd Investment (USIG, 14.5%). Compared with Q4 2024, it opened 1 new position, added to 19 and reduced 8. The biggest buy was a new position in Vngrd Mrngstr MD-Cap ETF-Usd (VO) and the biggest sale Ste STR SPDR PT DW Eu ETF (SPDW, shares −25%).
- Most Recent 13F
- Q3 2025
- Location
- WALTHAM, MA
- CIK
- 0001567738
- Portfolio Value
- $501.0M (Q1 2025)
- SEC Filing
- 0002063364-25-000045 ↗ filed Apr 28, 2025
Holdings Value
Holdings 30 stocks · $501.0M
| SCHP Schwab U.S. Tips ETF | 16.13% | 3,004,986 | $80.8M | Add +2.4% |
| BNDX Vanguard Total Intl Bond ETF | 15.21% | 1,561,206 | $76.2M | Add +3.5% |
| USIG iShares Broad Usd Investment | 14.48% | 1,420,734 | $72.6M | Add +1.0% |
| MBB iShares MBS ETF | 12.91% | 689,633 | $64.7M | Add +2.9% |
| STIP iShares 0-5 Year Tips Bond E | 4.48% | 216,913 | $22.4M | Add +2.6% |
| VTI VG Morningstar TS MKT ETF-US | 4.36% | 79,486 | $21.8M | Add +5.0% |
| VOO Vanguard S&P 500 ETF | 4.11% | 40,097 | $20.6M | Add +3.2% |
| MTUM iShares MSCI USA Momentum Fa | 3.87% | 95,853 | $19.4M | Reduce -2.0% |
| SPYX SS SPDR S&P 500 Foss FL ETF | 3.53% | 386,855 | $17.7M | Add +1.4% |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | 2.60% | 64,748 | $13.0M | Add +17.3% |
| VTC Vanguard Total Corporate BND | 2.33% | 152,234 | $11.7M | Add +7.5% |
| VMBS Vanguard Mortgage-Backed Sec | 2.30% | 249,288 | $11.5M | Add +15.8% |
| SCHX Schwab US Large-Cap ETF | 2.23% | 506,903 | $11.2M | Reduce -0.2% |
| DFIP Dimensional Inflation-Protec | 1.56% | 185,332 | $7.8M | Add +6.7% |
| SCHH Schwab US REIT ETF | 1.53% | 355,555 | $7.6M | Add +2.3% |
| SPDW Ste STR SPDR PT DW Eu ETF | 1.39% | 191,376 | $7.0M | Reduce -24.6% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.99% | 13,319 | $4.9M | Add +2.4% |
| VEA Vanguard Ftse Developed ETF | 0.98% | 96,565 | $4.9M | Add +8.1% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.85% | 19,146 | $4.2M | Add +19.9% |
| VWO Vanguard Ftse Emerging Marke | 0.59% | 65,600 | $3.0M | Add +13.0% |
| VNQ Vanguard Real Estate ETF | 0.58% | 32,089 | $2.9M | Reduce -1.3% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.57% | 11,136 | $2.9M | New |
| VTIP Vanguard Short-Term Tips | 0.48% | 48,620 | $2.4M | Reduce -0.2% |
| BNDW Vanguard Total World Bond Et | 0.43% | 31,529 | $2.2M | Add +22.1% |
| CBT Cabot Corp. | 0.42% | 25,607 | $2.1M | Reduce -1.3% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.35% | 10,128 | $1.7M | Reduce -0.2% |
| ESGU iShares ESG Aware MSCI USA | 0.28% | 11,714 | $1.4M | Add +0.8% |
| ESGD iShares Trust iShares ESG Aw | 0.18% | 11,203 | $915K | Reduce -1.6% |
| DFAT Dimensional US Target Value | 0.17% | 16,608 | $855K | No change |
| DFAI Dimensional International Co. | 0.08% | 12,682 | $396K | No change |
Portfolio Sells Q4 2024 → Q1 2025
| SPDW Ste STR SPDR PT DW Eu ETF | Reduce -24.6% | 1.39% | −0.40 |
| MTUM iShares MSCI USA Momentum Fa | Reduce -2.0% | 3.87% | −0.33 |
| SCHX Schwab US Large-Cap ETF | Reduce -0.2% | 2.23% | −0.21 |
| CBT Cabot Corp. | Reduce -1.3% | 0.42% | −0.07 |
| VNQ Vanguard Real Estate ETF | Reduce -1.3% | 0.58% | −0.02 |
| VTV Vanguard Mrngstr Val ETF-Aui | Reduce -0.2% | 0.35% | −0.01 |
| VTIP Vanguard Short-Term Tips | Reduce -0.2% | 0.48% | −0.00 |
| ESGD iShares Trust iShares ESG Aw | Reduce -1.6% | 0.18% | +0.00 |
Portfolio Buys Q4 2024 → Q1 2025
| VO Vngrd Mrngstr MD-Cap ETF-Usd | New | 0.57% | +0.57 |
| SCHP Schwab U.S. Tips ETF | Add +2.4% | 16.13% | +0.41 |
| VMBS Vanguard Mortgage-Backed Sec | Add +15.8% | 2.30% | +0.28 |
| MBB iShares MBS ETF | Add +2.9% | 12.91% | +0.18 |
| MGC Vngrd Mrngstr MG Cap ETF-Usd | Add +17.3% | 2.60% | +0.17 |
| VTC Vanguard Total Corporate BND | Add +7.5% | 2.33% | +0.11 |
| DFIP Dimensional Inflation-Protec | Add +6.7% | 1.56% | +0.10 |
| VEA Vanguard Ftse Developed ETF | Add +8.1% | 0.98% | +0.09 |
| STIP iShares 0-5 Year Tips Bond E | Add +2.6% | 4.48% | +0.07 |
| BNDW Vanguard Total World Bond Et | Add +22.1% | 0.43% | +0.07 |
| VWO Vanguard Ftse Emerging Marke | Add +13.0% | 0.59% | +0.06 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +19.9% | 0.85% | +0.05 |
| SCHH Schwab US REIT ETF | Add +2.3% | 1.53% | +0.01 |
| ESGU iShares ESG Aware MSCI USA | Add +0.8% | 0.28% | −0.03 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +2.4% | 0.99% | −0.12 |
| BNDX Vanguard Total Intl Bond ETF | Add +3.5% | 15.21% | −0.12 |
| USIG iShares Broad Usd Investment | Add +1.0% | 14.48% | −0.17 |
| VTI VG Morningstar TS MKT ETF-US | Add +5.0% | 4.36% | −0.19 |
| VOO Vanguard S&P 500 ETF | Add +3.2% | 4.11% | −0.23 |
| SPYX SS SPDR S&P 500 Foss FL ETF | Add +1.4% | 3.53% | −0.28 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q3 2025 | 31 | $550.7M | SCHP, BNDX, MBB, USIG, VOO |
| Q2 2025 | 37 | $526.6M | SCHP, BNDX, USIG, MBB, VOO |
| Q1 2025 | 30 | $501.0M | SCHP, BNDX, USIG, MBB, STIP |
| Q4 2024 | 29 | $482.5M | SCHP, BNDX, USIG, MBB, VTI |
| Q3 2024 | 53 | $506.5M | SCHP, BNDX, USIG, MBB, VTI |
| Q2 2024 | 27 | $462.8M | SCHP, BNDX, USIG, MBB, VTI |
| Q1 2024 | 29 | $452.3M | SCHP, BNDX, USIG, MBB, VTI |