# Retireful, LLC

> Institutional holdings reported to the SEC as of Q3 2026 on Form 13F. CIK 1919176. Source: https://holderbook.com/funds/1919176-retireful-llc/

- Reported value: $116.1M
- Positions: 86
- Weight of the ten largest: 32.1%
- Filed: 2026-10-09

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $6.6M | 8,596 | 5.6% | 6 |
| VANGUARD INDEX FDS | [VV](https://holderbook.com/stocks/VV/) | $5.9M | 16,819 | 5.1% | 1 |
| VANGUARD WORLD FD | [VGT](https://holderbook.com/stocks/VGT/) | $3.4M | 27,162 | 2.9% | 6 |
| DELL TECHNOLOGIES INC | [DELL](https://holderbook.com/stocks/DELL/) | $3.4M | 6,257 | 2.9% | 3 |
| MICRON TECHNOLOGY INC | [MU](https://holderbook.com/stocks/MU/) | $3.2M | 3,021 | 2.8% | 6 |
| SELECT SECTOR SPDR TR | [XLK](https://holderbook.com/stocks/XLK/) | $3.2M | 16,139 | 2.7% | 1 |
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $3.0M | 100,281 | 2.6% | 1 |
| VANGUARD WORLD FD | [VHT](https://holderbook.com/stocks/VHT/) | $2.9M | 9,209 | 2.5% | 1 |
| SELECT SECTOR SPDR TR | [XLC](https://holderbook.com/stocks/XLC/) | $2.9M | 26,201 | 2.5% | 1 |
| INVESCO EXCHANGE TRADED FD T | [RSP](https://holderbook.com/stocks/RSP/) | $2.8M | 13,639 | 2.4% | 4 |
| NETAPP INC | [NTAP](https://holderbook.com/stocks/NTAP/) | $2.7M | 12,833 | 2.3% | 2 |
| WESTERN DIGITAL CORP | [WDC](https://holderbook.com/stocks/WDC/) | $2.7M | 5,913 | 2.3% | 5 |
| EVERPURE INC | [P](https://holderbook.com/stocks/P/) | $2.6M | 20,021 | 2.3% | 1 |
| PALO ALTO NETWORKS INC | [PANW](https://holderbook.com/stocks/PANW/) | $2.5M | 6,410 | 2.2% | 2 |
| GOLDMAN SACHS ETF TR | [GSEW](https://holderbook.com/stocks/GSEW/) | $2.5M | 27,185 | 2.2% | 1 |
| ILLUMINA INC | [ILMN](https://holderbook.com/stocks/ILMN/) | $2.5M | 9,030 | 2.1% | 1 |
| CROWDSTRIKE HLDGS INC | [CRWD](https://holderbook.com/stocks/CRWD/) | $2.4M | 8,946 | 2.0% | 2 |
| ARISTA NETWORKS INC | [ANET](https://holderbook.com/stocks/ANET/) | $2.3M | 11,167 | 2.0% | 2 |
| SANDISK CORP | [SNDK](https://holderbook.com/stocks/SNDK/) | $2.3M | 1,305 | 2.0% | 3 |
| MARVELL TECHNOLOGY INC | [MRVL](https://holderbook.com/stocks/MRVL/) | $2.2M | 8,196 | 1.9% | 2 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $2.1M | 6,174 | 1.8% | 1 |
| PHILLIPS 66 | [PSX](https://holderbook.com/stocks/PSX/) | $2.0M | 8,007 | 1.8% | 1 |
| OKTA INC | [OKTA](https://holderbook.com/stocks/OKTA/) | $2.0M | 9,460 | 1.7% | 1 |
| FREEPORT-MCMORAN INC | [FCX](https://holderbook.com/stocks/FCX/) | $2.0M | 28,215 | 1.7% | 4 |
| HF SINCLAIR CORP | [DINO](https://holderbook.com/stocks/DINO/) | $1.9M | 17,955 | 1.7% | 1 |
| CLOUDFLARE INC | [NET](https://holderbook.com/stocks/NET/) | $1.8M | 5,255 | 1.6% | 1 |
| GARMIN LTD | [GRMN](https://holderbook.com/stocks/GRMN/) | $1.7M | 6,023 | 1.5% | 1 |
| SNOWFLAKE INC | [SNOW](https://holderbook.com/stocks/SNOW/) | $1.7M | 4,967 | 1.5% | 1 |
| F5 INC | [FFIV](https://holderbook.com/stocks/FFIV/) | $1.7M | 3,745 | 1.4% | 2 |
| HUMANA INC | [HUM](https://holderbook.com/stocks/HUM/) | $1.7M | 4,334 | 1.4% | 2 |
| VEEVA SYS INC | [VEEV](https://holderbook.com/stocks/VEEV/) | $1.6M | 5,670 | 1.4% | 1 |
| BEST BUY INC | [BBY](https://holderbook.com/stocks/BBY/) | $1.6M | 18,302 | 1.4% | 1 |
| NVENT ELEC PLC | [NVT](https://holderbook.com/stocks/NVT/) | $1.6M | 9,834 | 1.4% | 3 |
| FORTINET INC | [FTNT](https://holderbook.com/stocks/FTNT/) | $1.6M | 8,728 | 1.3% | 1 |
| PALANTIR TECHNOLOGIES INC | [PLTR](https://holderbook.com/stocks/PLTR/) | $1.6M | 8,288 | 1.3% | 1 |
| AMGEN INC | [AMGN](https://holderbook.com/stocks/AMGN/) | $1.5M | 3,605 | 1.3% | 1 |
| TRAVELERS COMPANIES INC | [TRV](https://holderbook.com/stocks/TRV/) | $1.5M | 4,203 | 1.3% | 1 |
| ZSCALER INC | [ZS](https://holderbook.com/stocks/ZS/) | $1.5M | 7,406 | 1.3% | 1 |
| CENTENE CORP DEL | [CNC](https://holderbook.com/stocks/CNC/) | $1.3M | 21,447 | 1.1% | 1 |
| SEAGATE TECHNOLOGY HLDNGS PL | [STX](https://holderbook.com/stocks/STX/) | $1.1M | 1,228 | 1.0% | 4 |
| J P MORGAN EXCHANGE TRADED F | [JPST](https://holderbook.com/stocks/JPST/) | $970.3K | 19,263 | 0.8% | 10 |
| WISDOMTREE TR | [USFR](https://holderbook.com/stocks/USFR/) | $959.0K | 19,032 | 0.8% | 3 |
| INVESCO EXCHANGE TRADED FD T | [XLG](https://holderbook.com/stocks/XLG/) | $952.8K | 14,979 | 0.8% | 4 |
| SPDR SERIES TRUST | [CWB](https://holderbook.com/stocks/CWB/) | $762.0K | 7,531 | 0.7% | 7 |
| SPDR SERIES TRUST | [BIL](https://holderbook.com/stocks/BIL/) | $750.1K | 8,185 | 0.6% | 18 |
| ISHARES TR | [AOM](https://holderbook.com/stocks/AOM/) | $653.5K | 13,408 | 0.6% | 1 |
| ISHARES U S ETF TR | [NEAR](https://holderbook.com/stocks/NEAR/) | $590.3K | 11,840 | 0.5% | 2 |
| COLLABORATIVE INVESTMNT SER | [RMME](https://holderbook.com/stocks/RMME/) | $582.6K | 5,807 | 0.5% | 2 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $534.4K | 1,553 | 0.5% | 8 |
| INVESCO EXCHANGE TRADED FD T | [SPHQ](https://holderbook.com/stocks/SPHQ/) | $515.7K | 6,134 | 0.4% | 10 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $511.6K | 4,084 | 0.4% | 10 |
| VIATRIS INC | [VTRS](https://holderbook.com/stocks/VTRS/) | $501.4K | 28,296 | 0.4% | 4 |
| IQVIA HLDGS INC | [IQV](https://holderbook.com/stocks/IQV/) | $501.1K | 1,864 | 0.4% | 1 |
| WELLTOWER INC | [WELL](https://holderbook.com/stocks/WELL/) | $457.9K | 1,989 | 0.4% | 1 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $455.8K | 1,996 | 0.4% | 7 |
| MARATHON PETE CORP | [MPC](https://holderbook.com/stocks/MPC/) | $449.6K | 1,137 | 0.4% | 1 |
| SALESFORCE INC | [CRM](https://holderbook.com/stocks/CRM/) | $440.1K | 1,917 | 0.4% | 1 |
| WABTEC | [WAB](https://holderbook.com/stocks/WAB/) | $434.8K | 1,514 | 0.4% | 1 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $431.3K | 532 | 0.4% | 4 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $425.2K | 829 | 0.4% | 1 |
| VANGUARD SCOTTSDALE FDS | [VONG](https://holderbook.com/stocks/VONG/) | $413.6K | 3,208 | 0.4% | 1 |
| ANALOG DEVICES INC | [ADI](https://holderbook.com/stocks/ADI/) | $412.6K | 1,040 | 0.4% | 4 |
| J P MORGAN EXCHANGE TRADED F | [JQUA](https://holderbook.com/stocks/JQUA/) | $404.0K | 5,474 | 0.3% | 1 |
| SEI EXCHANGE TRADED FUNDS | [SEIM](https://holderbook.com/stocks/SEIM/) | $397.1K | 7,385 | 0.3% | 1 |
| AGNICO EAGLE MINES LTD | [AEM](https://holderbook.com/stocks/AEM/) | $392.9K | 2,144 | 0.3% | 1 |
| ISHARES TR | [SHV](https://holderbook.com/stocks/SHV/) | $392.9K | 3,561 | 0.3% | 1 |
| FIDELITY COVINGTON TRUST | [FDVV](https://holderbook.com/stocks/FDVV/) | $380.8K | 6,271 | 0.3% | 1 |
| ATLASSIAN CORPORATION | [TEAM](https://holderbook.com/stocks/TEAM/) | $375.6K | 2,095 | 0.3% | 1 |
| SPDR SERIES TRUST | [LGLV](https://holderbook.com/stocks/LGLV/) | $365.5K | 2,097 | 0.3% | 3 |
| ISHARES TR | [AOA](https://holderbook.com/stocks/AOA/) | $358.7K | 3,688 | 0.3% | 1 |
| FLEX LTD | [FLEX](https://holderbook.com/stocks/FLEX/) | $358.6K | 3,260 | 0.3% | 2 |
| ISHARES TR | [AOR](https://holderbook.com/stocks/AOR/) | $351.1K | 5,124 | 0.3% | 2 |
| VANGUARD WORLD FD | [MGV](https://holderbook.com/stocks/MGV/) | $347.1K | 2,155 | 0.3% | 2 |
| GOLDMAN SACHS GROUP INC | [GS](https://holderbook.com/stocks/GS/) | $346.6K | 385 | 0.3% | 3 |
| PROSHARES TR | [NOBL](https://holderbook.com/stocks/NOBL/) | $342.6K | 6,332 | 0.3% | 2 |
| ISHARES TR | [SGOV](https://holderbook.com/stocks/SGOV/) | $339.0K | 3,367 | 0.3% | 1 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $327.8K | 3,046 | 0.3% | 2 |
| SSGA ACTIVE ETF TR | [INKM](https://holderbook.com/stocks/INKM/) | $321.4K | 9,737 | 0.3% | 2 |
| BANK OF AMER CORP | [BAC](https://holderbook.com/stocks/BAC/) | $308.4K | 5,666 | 0.3% | 1 |
| FIDELITY MERRIMACK STR TR | [FCOR](https://holderbook.com/stocks/FCOR/) | $308.1K | 6,901 | 0.3% | 1 |
| CAPITAL GROUP CORE BALANCED | [CGBL](https://holderbook.com/stocks/CGBL/) | $298.4K | 8,121 | 0.3% | 2 |
| VANGUARD WORLD FD | [MGK](https://holderbook.com/stocks/MGK/) | $296.0K | 3,195 | 0.3% | 4 |
| ISHARES TR | [CMBS](https://holderbook.com/stocks/CMBS/) | $280.7K | 5,936 | 0.2% | 1 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $257.9K | 1,035 | 0.2% | 2 |
| INVESCO EXCHANGE TRADED FD T | [PFM](https://holderbook.com/stocks/PFM/) | $255.8K | 4,661 | 0.2% | 1 |
| VANGUARD WORLD FD | [MGC](https://holderbook.com/stocks/MGC/) | $252.7K | 895 | 0.2% | 1 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q2 2026 | +30.7% | +14.8% | +15.9% | 100% |
| Q1 2026 | +0.8% | -4.6% | +5.4% | 98% |
| Q4 2025 | +1.3% | +2.4% | -1.0% | 100% |
| Q3 2025 | +5.4% | +7.8% | -2.4% | 99% |
| Q2 2025 | +9.8% | +10.5% | -0.7% | 98% |
| Q1 2025 | -3.4% | -4.6% | +1.2% | 100% |
| Q4 2024 | -1.0% | +2.1% | -3.1% | 100% |
| Q3 2024 | +3.3% | +5.4% | -2.1% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q3 2026 | $116.1M | 86 |
| Q2 2026 | $107.5M | 81 |
| Q1 2026 | $71.0M | 84 |
| Q4 2025 | $79.7M | 93 |
| Q3 2025 | $103.5M | 93 |
| Q2 2025 | $145.1M | 144 |
| Q1 2025 | $105.8M | 92 |
| Q4 2024 | $177.7M | 126 |
| Q3 2024 | $135.1M | 66 |
| Q2 2024 | $212.6M | 93 |
| Q1 2024 | $240.5M | 90 |
| Q4 2023 | $229.8M | 88 |