Stocks/Funds/CIK 1624510

FINANCIAL CONSULATE, INC

index-like (500+ pos)
Quarterly 13F filings · Latest period 2026-03-31 · CIK 1624510
Assets
$797M
+101.5% YoY
Holdings
1,390
Lifetime alpha vs market
+10.46% annual
Average hold time
1.1 yr
median 0.8 yr

Quarterly history

Cum return +61% vs S&P +16% · α +44% lifetimeAUM $797M · peak $797MFlow $108M (+15%)2016-062017-122019-062020-122022-062023-122025-062026-03
AUM ($B)fundS&P 500(gap = α)/ Flow in/out

Behavior signals (lifetime)

Dip response
-1.25%
trims when stocks drop
when a holding falls −10%+
Middle response
-3.27%
baseline attrition
Rally response
+0.02%
adds into rallies
when a holding rises +10%+

Top positions · 30

Ticker$ value% portYoYHold time
SCHXSchwab U.S. Large-Cap ET$133M16.7%10.5 yr
DUHPDimensional - US High Pr$75M9.4%3.0 yr
MFDXPIMCO RAFI Dynamic Multi$67M8.4%2.8 yr
SCHFSchwab International Equ$46M5.8%10.5 yr
DIHPDimensional - Internatio$40M5.0%1.0 yr
SHViShares 0–1 Year Treas$36M4.6%0.3 yr
VTIPVanguard Short-Term Infl$35M4.4%3.8 yr
DFASDimensional - US Small C$30M3.8%1.3 yr
FNDBSchwab Fundamental U.S. $28M3.5%2.5 yr
SHYiShares 1-3 Year Treasur$27M3.4%1.0 yr
FLQMFranklin U.S. Mid Cap Mu$21M2.6%2.3 yr
AAPLApple Inc.$20M2.5%+14.7%8.3 yr
PULSPGIM Ultra Short Bond ET$20M2.5%1.5 yr
FNDESchwab Fundamental Emerg$17M2.2%2.8 yr
TCAFT. Rowe Price Capital Ap$16M2.0%2.5 yr

Portfolio composition (YoY)

Industry mix
Asset Management75.9%-18.2pp$604M
Asset Management - Bonds4.8%+4.5pp$38M
Asset Management - Leveraged4.4%-1.2pp$35M
Consumer Electronics2.5%$20M
Packaged Foods1.2%$9M
Semiconductors1.0%$8M
Furnishings, Fixtures & Appliances0.7%$6M
Aerospace & Defense0.7%$5M
Internet Content & Information0.6%$5M
Drug Manufacturers - General0.5%$4M
Country
US99.4%-0.6pp
CA0.1%
GB0.1%
NL0.1%
TW0.1%
Unknown0.0%
IE0.0%
JP0.0%
Top 5: 45.3% · Top 10: 65.0% · Top 25: 86.8%

Winners

TickerPrev $PnLYoY %

Losers

TickerPrev $PnLYoY %

Top buys this quarter · 15

AZN AstraZeneca PLCnew+$0M
AVGO Broadcom Inc.+$0M
GOOG Alphabet Inc.+$2M
TSM Taiwan Semiconductor Manufactu+$0M
APH Amphenol Corporation+$0M
MO Altria Group, Inc.+$0M
TSLA Tesla, Inc.+$1M
KGC Kinross Gold Corporation+$0M
MU Micron Technology, Inc.+$0M
NVS Novartis AG+$0M

Top sells this quarter · 15

EA Electronic Arts Inc.$1M
XOM Exxon Mobil Corporation$1M
TMO Thermo Fisher Scientific Inc.$0M
WST West Pharmaceutical Services, exit$0M
TXN Texas Instruments Incorporated$0M
PPG PPG Industries, Inc.$0M
SPGI S&P Global Inc.$0M
TJX The TJX Companies, Inc.$0M
AAPL Apple Inc.$0M
INTU Intuit Inc.$0M

Quarterly history (TTM returns)

PeriodAUM# PosReturn (1yr)SPY (1yr)Alpha (1yr)Flow
2026-03-31$797M1390-4.94%-4.37%-0.57%+0.11B
2025-12-31$724M1323+3.14%+2.66%+0.47%+0.00B
2025-09-30$701M1141+25.16%+8.12%+17.03%+0.07B
2025-06-30$505M35+0.11B
2025-03-31$395M25-8.94%-4.27%-4.67%+0.05B
2024-12-31$377M31+83.76%+2.49%+81.27%-0.31B
2024-09-30$375M32+0.03B
2024-06-30$341M35-1.30%+4.38%-5.68%+0.01B
2024-03-31$338M40-11.43%+10.39%-21.82%+0.07B
2023-12-31$304M36+0.08B
2023-09-30$226M38+22.33%+21.57%+0.77%-0.00B
2023-06-30$236M40+13.29%+19.42%-6.13%-0.06B
2023-03-31$286M122-11.44%-7.82%-3.62%-0.03B
2022-12-31$285M133+9.86%+7.56%+2.30%+0.02B
2022-09-30$237M118-10.12%-4.93%-5.19%+0.05B
2022-06-30$212M121-18.55%-16.11%-2.44%+0.00B