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Asset Manager ← All Institutions

FINANCIAL CONSULATE, INC

11019 MCCORMICK ROAD SUITE 200, HUNT VALLEY, MD 21031 • (410) 823-7283

Q2 2025 · Filed 2025-07-18
Market Value
$505M
+27.6%
Holdings
36
+1
New Purchases
11
Added To
11
Closed
1
Reduced
12
Top 10 Concentration
85.0%
Turnover
33.3%

Top Buys (by % of Portfolio)

SymbolCur %Prior %Chg %Value
DUHP 13.21% 7.50% +5.71% $67M
DIHP 4.87% 0.00% +4.87% $25M
FNDF 1.49% 0.00% +1.49% $8M
MFUS 0.67% 0.00% +0.67% $3M
VGT 0.26% 0.00% +0.26% $1M
ITOT 0.24% 0.00% +0.24% $1M
BRK-B 0.21% 0.00% +0.21% $1M
CWI 0.20% 0.00% +0.20% $985K
GOOGL 0.19% 0.00% +0.19% $979K
VIS 0.10% 0.00% +0.10% $490K
XLY 0.10% 0.00% +0.10% $489K
IWF 0.09% 0.00% +0.09% $454K

Top Sells (by % of Portfolio)

SymbolCur %Prior %Chg %Value
MFDX 11.59% 14.97% -3.38% $58M
FNDB 6.76% 9.53% -2.77% $34M
SCHF 8.01% 9.33% -1.32% $40M
SCHD 4.20% 5.51% -1.31% $21M
DFAT 0.69% 1.77% -1.08% $3M
VTIP 4.67% 5.66% -0.99% $24M
TCAF 3.60% 4.25% -0.65% $18M
FLQM 3.87% 4.46% -0.59% $20M
DFAS 5.02% 5.36% -0.34% $25M
PULS 1.17% 1.48% -0.30% $6M
GMF 2.27% 2.55% -0.27% $11M
SCHX 22.78% 23.00% -0.22% $115M
SCHM 0.00% 0.14% -0.14% $0
SCHR 0.44% 0.56% -0.13% $2M
SCHB 0.55% 0.66% -0.11% $3M

Sector Allocation Over Time

Industry Breakdown

IndustryWeight
Financial Services 86.8%
Technology 4.6%
Industrials 1.8%
Consumer Defensive 1.7%
Consumer Cyclical 1.6%

Market Cap Concentration

TierHoldingsValueWeight
Mega Cap 5 $8M 1.7%
Large Cap 20 $321M 63.6%
Mid Cap 4 $44M 8.8%
Small Cap 5 $126M 25.1%
Micro Cap 2 $5M 1.0%

Portfolio Analytics

Avg Market Cap
$275.7B
Median Market Cap
$19.2B
Avg P/E
20.3
Median P/E
17.4
Avg Dividend Yield
0.00%
Avg Beta
0.93
# Stocks
3
# ETFs / Funds
33

Top Holdings (36 total)

# Symbol % Port Shares Value Avg Price Q/Q Value Chg Share Chg Chg % Status
1 SCHX 22.78% 4,703,142 $115M $24.44 $24M +585,217 +14.2%
2 DUHP 13.21% 1,874,235 $67M $35.56 $37M +979,618 +109.5%
3 MFDX 11.59% 1,627,837 $58M $35.94 -$702K -223,928 -12.1%
4 SCHF 8.01% 1,829,904 $40M $22.10 $4M -35,542 -1.9%
5 FNDB 6.76% 1,422,825 $34M $23.98 -$4M -214,187 -13.1%
6 DFAS 5.02% 397,666 $25M $63.71 $4M +43,017 +12.1%
7 DIHP 4.87% 832,618 $25M $29.49 +832,618 NEW
8 VTIP 4.67% 468,427 $24M $50.27 $1M +20,259 +4.5%
9 SCHD 4.20% 799,472 $21M $26.50 -$596K +20,423 +2.6%
10 FLQM 3.87% 359,563 $20M $54.31 $2M +26,700 +8.0%
11 TCAF 3.60% 514,761 $18M $35.28 $1M -5,532 -1.1%
12 GMF 2.27% 90,694 $11M $126.40 $1M +3,652 +4.2%
13 FNDF 1.49% 187,835 $8M $40.02 +187,835 NEW
14 PULS 1.17% 119,032 $6M $49.76 $84K +1,608 +1.4%
15 DFAT 0.69% 64,317 $3M $53.96 -$4M -71,518 -52.6%
16 MFUS 0.67% 63,537 $3M $53.45 +63,537 NEW
17 VOO 0.67% 5,916 $3M $567.99 $322K +4 +0.1%
18 SPGM 0.56% 41,176 $3M $69.00 $381K +1,759 +4.5%
19 SCHB 0.55% 117,334 $3M $23.83 $172K -4,561 -3.7%
20 IVV 0.48% 3,867 $2M $620.85 $151K -137 -3.4%
21 SCHR 0.44% 87,925 $2M $25.03 -$26K -1,642 -1.8%
22 SCHG 0.34% 58,221 $2M $29.21 $244K +33 +0.1%
23 TURN 0.29% 367,482 $1M $3.97 -$28K -7,308 -1.9%
24 VGT 0.26% 1,999 $1M $663.28 +1,999 NEW
25 ITOT 0.24% 9,020 $1M $135.04 +9,020 NEW
26 BRK-B 0.21% 2,188 $1M $485.66 +2,188 NEW
27 CWI 0.20% 30,171 $985K $32.66 +30,171 NEW
28 GOOGL 0.19% 5,553 $979K $176.22 +5,553 NEW
29 VTI 0.12% 1,991 $605K $303.91 -$26K -304 -13.2%
30 BNDX 0.10% 10,526 $521K $49.51 $7K
31 AGG 0.10% 5,203 $516K $99.20 -$80K -820 -13.6%
32 VIS 0.10% 1,749 $490K $280.07 +1,749 NEW
33 XLY 0.10% 2,252 $489K $217.33 +2,252 NEW
34 IWF 0.09% 1,070 $454K $424.58 +1,070 NEW
35 SCHZ 0.09% 19,172 $446K $23.24 -$52K -2,290 -10.7%
36 SCHM —% -$560K -21,383 -100.0% SOLD

New Positions

SymbolValue% Port
DIHP $25M 4.87%
FNDF $8M 1.49%
MFUS $3M 0.67%
VGT $1M 0.26%
ITOT $1M 0.24%
BRK-B $1M 0.21%
CWI $985K 0.20%
GOOGL $979K 0.19%
VIS $490K 0.10%
XLY $489K 0.10%
IWF $454K 0.09%

Sold Out Positions

SymbolValue% Port
SCHM —%
View SEC EDGAR Filings for FINANCIAL CONSULATE, INC →

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms