# Monetary Solutions, Ltd

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 2112370. Source: https://holderbook.com/funds/2112370-monetary-solutions-ltd/

- Reported value: $116.1M
- Positions: 397
- Weight of the ten largest: 58.8%
- Filed: 2026-07-23

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 |
|---|---|---|---|---|---|
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $12.5M | 393,111 | 10.7% | 3 |
| SCHWAB STRATEGIC TR | [SCHM](https://holderbook.com/stocks/SCHM/) | $10.3M | 278,509 | 8.8% | 3 |
| SCHWAB STRATEGIC TR | [SCHX](https://holderbook.com/stocks/SCHX/) | $9.0M | 305,761 | 7.7% | 3 |
| ISHARES TR | [FLOT](https://holderbook.com/stocks/FLOT/) | $7.8M | 152,580 | 6.7% | 3 |
| SCHWAB STRATEGIC TR | [SCHA](https://holderbook.com/stocks/SCHA/) | $7.7M | 212,603 | 6.6% | 3 |
| SCHWAB STRATEGIC TR | [SCHG](https://holderbook.com/stocks/SCHG/) | $4.6M | 136,715 | 4.0% | 3 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $4.5M | 15,482 | 3.9% | 3 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $4.4M | 13,409 | 3.8% | 3 |
| SPDR SERIES TRUST | [SJNK](https://holderbook.com/stocks/SJNK/) | $4.1M | 163,747 | 3.5% | 3 |
| VANGUARD INDEX FDS | [VOE](https://holderbook.com/stocks/VOE/) | $3.5M | 17,582 | 3.0% | 3 |
| INVESCO EXCHANGE TRADED FD T | [XMMO](https://holderbook.com/stocks/XMMO/) | $3.0M | 17,509 | 2.6% | 3 |
| VANGUARD INDEX FDS | [VBR](https://holderbook.com/stocks/VBR/) | $2.7M | 11,295 | 2.4% | 3 |
| SCHWAB STRATEGIC TR | [SCHV](https://holderbook.com/stocks/SCHV/) | $2.4M | 68,112 | 2.0% | 3 |
| VANGUARD WHITEHALL FDS | [VYMI](https://holderbook.com/stocks/VYMI/) | $2.0M | 20,510 | 1.7% | 3 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $1.9M | 7,687 | 1.7% | 3 |
| VANGUARD WHITEHALL FDS | [VYM](https://holderbook.com/stocks/VYM/) | $1.8M | 11,580 | 1.6% | 3 |
| SCHWAB STRATEGIC TR | [SCHF](https://holderbook.com/stocks/SCHF/) | $1.4M | 49,909 | 1.2% | 3 |
| SCHWAB STRATEGIC TR | [SCHJ](https://holderbook.com/stocks/SCHJ/) | $1.3M | 51,630 | 1.1% | 3 |
| INVESCO QQQ TR | [QQQ](https://holderbook.com/stocks/QQQ/) | $1.1M | 1,515 | 1.0% | 3 |
| PACER FDS TR | [COWZ](https://holderbook.com/stocks/COWZ/) | $1.1M | 17,941 | 1.0% | 3 |
| VANGUARD INDEX FDS | [VBK](https://holderbook.com/stocks/VBK/) | $1.1M | 2,967 | 0.9% | 3 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $1.1M | 4,268 | 0.9% | 3 |
| SPDR SERIES TRUST | [SPYG](https://holderbook.com/stocks/SPYG/) | $976.8K | 8,209 | 0.8% | 3 |
| FLOWSERVE CORP | [FLS](https://holderbook.com/stocks/FLS/) | $952.2K | 12,840 | 0.8% | 3 |
| SCHWAB STRATEGIC TR | [FNDX](https://holderbook.com/stocks/FNDX/) | $874.3K | 28,114 | 0.8% | 3 |
| ISHARES TR | [DGRO](https://holderbook.com/stocks/DGRO/) | $867.2K | 11,442 | 0.7% | 3 |
| AMERICAN CENTY ETF TR | [AVUV](https://holderbook.com/stocks/AVUV/) | $806.3K | 6,463 | 0.7% | 3 |
| FIDELITY COVINGTON TRUST | [FDVV](https://holderbook.com/stocks/FDVV/) | $772.0K | 12,804 | 0.7% | 3 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $753.8K | 9,356 | 0.6% | 3 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $682.6K | 1,830 | 0.6% | 3 |
| SCHWAB STRATEGIC TR | [FNDF](https://holderbook.com/stocks/FNDF/) | $667.9K | 12,659 | 0.6% | 3 |
| VANGUARD SCOTTSDALE FDS | [VCSH](https://holderbook.com/stocks/VCSH/) | $635.6K | 8,042 | 0.5% | 3 |
| FIDELITY COVINGTON TRUST | [FENI](https://holderbook.com/stocks/FENI/) | $543.9K | 13,553 | 0.5% | 3 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $543.6K | 728 | 0.5% | 3 |
| EMERSON ELEC CO | [EMR](https://holderbook.com/stocks/EMR/) | $529.9K | 3,702 | 0.5% | 3 |
| SELECT SECTOR SPDR TR | [XLC](https://holderbook.com/stocks/XLC/) | $528.3K | 4,931 | 0.5% | 3 |
| VANGUARD WORLD FD | [VGT](https://holderbook.com/stocks/VGT/) | $507.7K | 4,248 | 0.4% | 3 |
| ABBOTT LABORATORIES | [ABT](https://holderbook.com/stocks/ABT/) | $475.0K | 5,235 | 0.4% | 3 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $445.6K | 595 | 0.4% | 3 |
| VANECK ETF TRUST | [RTH](https://holderbook.com/stocks/RTH/) | $427.1K | 1,670 | 0.4% | 3 |
| INTEL CORP | [INTC](https://holderbook.com/stocks/INTC/) | $404.2K | 2,895 | 0.3% | 3 |
| ISHARES TR | [IMCG](https://holderbook.com/stocks/IMCG/) | $392.8K | 3,996 | 0.3% | 3 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $330.5K | 1,090 | 0.3% | 3 |
| VANGUARD WORLD FD | [VHT](https://holderbook.com/stocks/VHT/) | $330.1K | 1,104 | 0.3% | 3 |
| EXXONMOBIL HOLDINGS CORP COM SHS | [XOM](https://holderbook.com/stocks/XOM/) | $321.6K | 2,352 | 0.3% | 1 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $318.7K | 1,337 | 0.3% | 3 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $302.0K | 2,571 | 0.3% | 3 |
| TRACTOR SUPPLY CO | [TSCO](https://holderbook.com/stocks/TSCO/) | $296.3K | 9,375 | 0.3% | 3 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $292.6K | 426 | 0.3% | 3 |
| VANECK ETF TRUST | [SMH](https://holderbook.com/stocks/SMH/) | $291.2K | 444 | 0.3% | 3 |
| J P MORGAN EXCHANGE TRADED F | [JVAL](https://holderbook.com/stocks/JVAL/) | $287.7K | 4,906 | 0.2% | 2 |
| SCHWAB STRATEGIC TR | [SCYB](https://holderbook.com/stocks/SCYB/) | $287.5K | 10,982 | 0.2% | 1 |
| SELECT SECTOR SPDR TR | [XLK](https://holderbook.com/stocks/XLK/) | $278.2K | 1,460 | 0.2% | 3 |
| MERCK & CO INC | [MRK](https://holderbook.com/stocks/MRK/) | $263.3K | 2,049 | 0.2% | 3 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $244.2K | 663 | 0.2% | 3 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $241.8K | 860 | 0.2% | 3 |
| SOUTHERN CO | [SO](https://holderbook.com/stocks/SO/) | $237.6K | 2,483 | 0.2% | 3 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $218.0K | 1,756 | 0.2% | 3 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $216.3K | 605 | 0.2% | 3 |
| AMERICAN EXPRESS CO | [AXP](https://holderbook.com/stocks/AXP/) | $202.9K | 600 | 0.2% | 3 |
| ORACLE CORP | [ORCL](https://holderbook.com/stocks/ORCL/) | $196.8K | 1,343 | 0.2% | 3 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $195.7K | 724 | 0.2% | 3 |
| VANGUARD INDEX FDS | [VOT](https://holderbook.com/stocks/VOT/) | $189.6K | 619 | 0.2% | 3 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $181.7K | 1,604 | 0.2% | 3 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $181.1K | 362 | 0.2% | 3 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $178.7K | 483 | 0.2% | 3 |
| APPLIED MATLS INC | [AMAT](https://holderbook.com/stocks/AMAT/) | $170.6K | 236 | 0.1% | 3 |
| UNITEDHEALTH GROUP INC | [UNH](https://holderbook.com/stocks/UNH/) | $165.8K | 399 | 0.1% | 3 |
| PEPSICO INC | [PEP](https://holderbook.com/stocks/PEP/) | $161.5K | 1,193 | 0.1% | 3 |
| SCHWAB STRATEGIC TR | [SCHY](https://holderbook.com/stocks/SCHY/) | $160.9K | 5,072 | 0.1% | 3 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $155.9K | 130 | 0.1% | 3 |
| FIRST TR EXCHNG TRADED FD VI | [FMAY](https://holderbook.com/stocks/FMAY/) | $155.2K | 2,762 | 0.1% | 3 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $155.1K | 775 | 0.1% | 3 |
| SPDR SERIES TRUST | [SPYX](https://holderbook.com/stocks/SPYX/) | $154.8K | 2,533 | 0.1% | 3 |
| PACER FDS TR | [CALF](https://holderbook.com/stocks/CALF/) | $137.9K | 2,725 | 0.1% | 3 |
| VANECK ETF TRUST | [ANGL](https://holderbook.com/stocks/ANGL/) | $136.7K | 4,676 | 0.1% | 3 |
| AMGEN INC | [AMGN](https://holderbook.com/stocks/AMGN/) | $130.0K | 359 | 0.1% | 3 |
| T ROWE PRICE EXCHANGE-TRADED | [TCAF](https://holderbook.com/stocks/TCAF/) | $128.6K | 3,130 | 0.1% | 3 |
| ENTERPRISE PRODS PARTNERS L | [EPD](https://holderbook.com/stocks/EPD/) | $123.6K | 3,363 | 0.1% | 3 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $122.8K | 325 | 0.1% | 3 |
| ETF SER SOLUTIONS | [QTUM](https://holderbook.com/stocks/QTUM/) | $120.7K | 730 | 0.1% | 3 |
| KINROSS GOLD CORP | [KGC](https://holderbook.com/stocks/KGC/) | $111.1K | 4,705 | 0.1% | 3 |
| ALLIANT ENERGY CORP | [LNT](https://holderbook.com/stocks/LNT/) | $111.1K | 1,456 | 0.1% | 3 |
| OREILLY AUTOMOTIVE INC | [ORLY](https://holderbook.com/stocks/ORLY/) | $110.5K | 1,200 | 0.1% | 3 |
| AMERICAN ELEC PWR CO INC | [AEP](https://holderbook.com/stocks/AEP/) | $102.6K | 750 | 0.1% | 3 |
| ISHARES TR | [IWR](https://holderbook.com/stocks/IWR/) | $100.9K | 914 | 0.1% | 3 |
| DISNEY WALT CO | [DIS](https://holderbook.com/stocks/DIS/) | $98.2K | 1,020 | 0.1% | 3 |
| COCA COLA CO | [KO](https://holderbook.com/stocks/KO/) | $97.1K | 1,195 | 0.1% | 3 |
| ISHARES TR | [IJT](https://holderbook.com/stocks/IJT/) | $93.9K | 526 | 0.1% | 3 |
| AMERICAN CENTY ETF TR | [AVDE](https://holderbook.com/stocks/AVDE/) | $92.3K | 1,035 | 0.1% | 3 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $90.1K | 160 | 0.1% | 3 |
| ARDENT HEALTH INC | [ARDT](https://holderbook.com/stocks/ARDT/) | $88.3K | 8,972 | 0.1% | 3 |
| BARRICK MNG CORP | [B](https://holderbook.com/stocks/B/) | $88.1K | 2,399 | 0.1% | 3 |
| SPACE EXPLORATION TECHN CORP | [SPCX](https://holderbook.com/stocks/SPCX/) | $87.3K | 511 | 0.1% | 1 |
| ENTREPRENEURSHARES SERIES TR | [XOVR](https://holderbook.com/stocks/XOVR/) | $86.1K | 4,090 | 0.1% | 1 |
| GE AEROSPACE | [GE](https://holderbook.com/stocks/GE/) | $83.2K | 223 | 0.1% | 3 |
| NEWMONT CORP | [NEM](https://holderbook.com/stocks/NEM/) | $82.8K | 886 | 0.1% | 3 |
| INVESCO EXCH TRADED FD TR II | [CGW](https://holderbook.com/stocks/CGW/) | $82.4K | 1,253 | 0.1% | 3 |
| SELECT SECTOR SPDR TR | [XLE](https://holderbook.com/stocks/XLE/) | $81.8K | 1,540 | 0.1% | 3 |
| PROSHARES TR | [QLD](https://holderbook.com/stocks/QLD/) | $81.3K | 840 | 0.1% | 3 |

## 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 | +10.8% | +14.8% | -4.0% | 100% |
| Q1 2026 | +0.4% | -4.6% | +5.1% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $116.1M | 397 |
| Q1 2026 | $103.5M | 318 |
| Q4 2025 | $101.5M | 315 |