Stocks/Funds/CIK 1785445

tru Independence LLC

long-term holder
Quarterly 13F filings · Latest period 2026-03-31 · CIK 1785445
Assets
$202M
-37.2% YoY
Holdings
102
Lifetime alpha vs market
-12.12% annual
Average hold time
3.8 yr
median 3.8 yr

Quarterly history

Cum return -1% vs S&P +121% · α -123% lifetimeAUM $202M · peak $3.7BFlow $-198M (-50%)2019-122020-122021-122022-122023-122024-122025-122026-03
AUM ($B)fundS&P 500(gap = α)/ Flow in/out

Behavior signals (lifetime)

Dip response
+0.87%
adds when stocks drop
when a holding falls −10%+
Middle response
-10.42%
baseline attrition
Rally response
-7.94%
trims into rallies
when a holding rises +10%+

Top positions · 30

Ticker$ value% portYoYHold time
DFACDimensional - US Core Eq$21M10.1%3.5 yr
FBNDFidelity Total Bond ETF$18M8.9%2.3 yr
RDVYFirst Trust Rising Divid$18M8.7%4.8 yr
FTCSFirst Trust Capital Stre$17M8.5%5.5 yr
DFAIDimensional - Internatio$15M7.4%5.3 yr
QGRWWisdomTree U.S. Quality $11M5.3%2.3 yr
AAPLApple Inc.$9M4.4%+14.7%6.5 yr
CGGRCapital Group Growth ETF$9M4.3%1.3 yr
HGERHarbor Commodity All-Wea$7M3.6%1.3 yr
XCWisdomTree True Emerging$6M3.2%1.3 yr
AIRRFirst Trust RBA American$6M2.8%2.0 yr
FESMFidelity Enhanced Small $5M2.5%1.0 yr
INCOColumbia India Consumer $5M2.3%1.3 yr
HISFFirst Trust High Income $3M1.6%2.5 yr
MSFTMicrosoft Corporation$3M1.4%-0.6%6.5 yr

Portfolio composition (YoY)

Industry mix
Asset Management74.2%+40.5pp$150M
Asset Management - Bonds8.9%+4.5pp$18M
Consumer Electronics4.4%+2.0pp$9M
Asset Management - Income1.7%+0.9pp$4M
Software - Infrastructure1.5%+0.2pp$3M
Banks - Diversified1.3%-3.4pp$3M
Insurance - Diversified1.1%+0.5pp$2M
Internet Content & Information0.9%+0.2pp$2M
Semiconductors0.7%+0.6pp$1M
Drug Manufacturers - General0.7%-3.3pp$1M
Country
US99.7%+4.4pp
IE0.2%+0.1pp
CA0.1%
Top 5: 43.7% · Top 10: 64.3% · Top 25: 83.4%

Winners

TickerPrev $PnLYoY %
JPM$7M+0.00B21.8%
BAC$8M+0.00B19.4%
AAPL$8M+0.00B14.7%
NVDA$0M+0.00B60.9%
AMZN$1M+0.00B9.5%

Losers

TickerPrev $PnLYoY %
MSFT$4M-0.00B-0.6%

Top buys this quarter · 15

OTF Blue Owl Technology Finance Conew+$0M
NVDA NVIDIA Corporation+$0M
WFC Wells Fargo & Company+$0M
AVGO Broadcom Inc.+$0M
PEP PepsiCo, Inc.+$0M
TSLA Tesla, Inc.+$0M
MO Altria Group, Inc.+$0M
LLY Eli Lilly and Company+$0M
LMT Lockheed Martin Corporation+$0M
V Visa Inc.+$0M

Top sells this quarter · 15

GLW Corning Incorporatedexit$14M
GM General Motors Companyexit$11M
F-PD Ford Motor Company 6.500% Noteexit$9M
FDX FedEx Corporationexit$7M
BAC Bank of America Corporation$7M
SHEL Shell plcexit$7M
LYB LyondellBasell Industries N.V.exit$7M
C Citigroup Inc.exit$7M
JPM JPMorgan Chase & Co.$7M
T AT&T Inc.exit$7M

Quarterly history (TTM returns)

PeriodAUM# PosReturn (1yr)SPY (1yr)Alpha (1yr)Flow
2026-03-31$202M102+14.88%+17.59%-2.71%-0.20B
2025-12-31$396M131+12.08%+17.72%-5.64%+0.00B
2025-09-30$385M125+13.09%+17.52%-4.42%+0.01B
2025-06-30$346M120+8.95%+14.94%-5.99%+0.02B
2025-03-31$322M110-8.85%+8.30%-17.15%+0.01B
2024-12-31$318M113-34.07%+24.89%-58.95%-0.04B
2024-09-30$342M110-45.45%+36.04%-81.49%-0.01B
2024-06-30$331M104-70.28%+24.49%-94.77%+0.04B
2024-03-31$340M108-63.47%+29.62%-93.09%+0.10B
2023-12-31$329M107-26.90%+26.18%-53.08%+0.08B
2023-09-30$289M117-31.88%+21.57%-53.44%+0.12B
2023-06-30$303M118+85.76%+19.42%+66.34%-0.02B
2023-03-31$310M119+60.56%-7.82%+68.37%-0.13B
2022-12-31$308M114+7.33%-18.17%+25.50%+0.08B
2022-09-30$282M168+49.37%-15.51%+64.87%-0.20B
2022-06-30$311M177+4.60%-10.62%+15.22%-0.02B