Sensible Money, LLC
SEC Form 13F institutional filer · CIK 0001965229
13F-HR · 24 reported holdings · 2026-03-31
Reported long-US-equity value
$0.04B
Top-10 concentration
79.0%
Sensible Money, LLC — $42.3M AUM allocation strategy
Sensible Money, LLC files SEC Form 13F and reports $42.3M of long US equity value across 24 reported holdings for 2026-03-31.
Its largest sector bet is Financials 40.8%, followed by Information Technology 13.1% and Communication Services 5.5%.
The top 10 holdings account for 79% of reported value — a conviction-weighted book concentrated in its best ideas. The sector and industry splits below are of the same reported value. Track quarter-over-quarter adds, trims, new positions and exits below — sourced from SEC 13F filings, public domain.
Sensible Money, LLC — latest SEC 13F insights
Reported long-US-equity value (13F AUM)
$42.3M
total across 24 reported holdings · 2026-03-31 · excludes shorts, cash, non-US
Top-10 concentration
79% of value
higher = narrower conviction; lower = spread / hedging
Biggest adds (shares)
+$IVZ +6.63K sh · +$102K+$IVV +1.08K sh · +$437K+$FCX +465 sh · +$330K
Biggest trims (shares)
−$AAPL −15K sh · −$4.35M−$SCHW −5.82K sh · +$98.7K−$VB −700 sh · −$176K
Sector allocation (share of reported value)
each slice is a share of the reported long-US-equity value — smaller sectors and the rest of the book roll into “Other holdings”
Qtr shift = share-point change vs the prior quarter's filing — first period tracked for this filer; the column fills in with the next quarterly refresh.
Industry allocation (share of reported value)
- Investment Banking & Brokerage19.1%—
- Asset Management & Custody Banks10.4%—
- Technology Hardware, Storage & Peripherals9.2%—
- Financial Exchanges & Data7.4%—
- Interactive Media & Services5.5%—
- Copper5.4%—
- Multi-Sector Holdings2.3%—
- Systems Software2.2%—
- Other holdings38.5%—
the finer GICS cut of the same book — same denominator — smaller industries roll into “Other holdings”
Qtr shift = share-point change vs the prior quarter's filing — first period tracked for this filer; the column fills in with the next quarterly refresh.
Top S&P 500 holdings
6 of 6 rows · sorted by Value ↓
| Ticker | Holding | Shares | Value | Δ QoQ | Weight |
|---|---|---|---|---|---|
| $SCHW | Charles Schwab Corporation | 250K | $8.08M | -5.82K | 19.1% |
| $IVZ | Invesco Ltd | 169K | $4.43M | +6.63K | 10.5% |
| $AAPL | Apple Inc | 15.3K | $3.88M | -15K | 9.2% |
| $SPGI | S&P Global Inc | 35.6K | $3.13M | -149 | 7.4% |
| $FCX | Freeport-McMoRan Inc | 38.3K | $2.25M | +465 | 5.3% |
| $GOOG | Alphabet Inc. Class C Capital Stock | 4.82K | $1.39M | -196 | 3.3% |
…and 18 more holdings in the full 13F filing (top positions only shown).
SEC Form 13F data sets · public domain · 45-day filing lag · >$100M AUM managers · as reported
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How to read Δ QoQ — the five insight categories, and the caveats
The categories. Analysts, quants and retail traders look past total portfolio value to isolate actionable signals. Five categories matter.
Conviction & concentration shifts
New positions vs complete exits — a brand-new stock signals high conviction; a full liquidation suggests a broken thesis or tax-loss harvesting. Aggressive sizing — look at share count, not dollars: a 20% share increase during a drawdown is strong dip-buying. Concentration — a narrowing top-5/10 means conviction; spreading capital across more names means hedging.
Sector & macro allocation rotations
Aggregating Δ QoQ moves across sectors shows where smart money is leaning in or sneaking out — rotating out of growth into defensives or energy, for example. The fund's total long equity exposure quarter-over-quarter is a proxy for overall institutional risk appetite.
Crowding & smart-money consensus
When several managers initiate or expand the same stock in the same quarter, that is institutional consensus. Contrarian reads: top pickers buying hard into a beaten-down name the market is selling.
Derivative & option overlays
Reported call/put changes indicate whether managers are adding downside hedges or leveraging upside exposure. Note: a long increase may be half of a market-neutral pair trade.
Who reads this
| Retail "cloners" | High-conviction ideas to replicate ~45 days after quarter-end. |
| Corporate IR | Which funds bought or dumped the stock, before the next call. |
| Quant / algo traders | Cross-sectional factor inputs: flow, momentum, ownership. |
Four caveats before you trade on it
- 45-day lag — holdings are quarter-end; positions may already be closed.
- Long-only — 13Fs miss shorts, pair trades and cash.
- No non-US / fixed income — the picture is US equities plus options.
- Corporate actions — splits and spinoffs distort raw share deltas.
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