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Livermore
Livermore
ZHEN

Better Money Decisions, LLC

SEC CIK
0001858428
Latest filing
Aug 8, 2025

The latest 13F from Better Money Decisions, LLC covers Q2 2025 (filed Aug 8, 2025): 74 long positions worth $164.6M. The top 10 holdings make up 60.9% of the portfolio, and the largest is iShares Core MSCI Eafe ETF at 10.2%. Livermore has 18 filings on Form 13F from this institution, going back to Q1 2021.

What changed in Q2 2025

Share counts compared with Q1 2025: how many positions were new, added to, reduced or sold out, and the biggest buys and sells. Dollar amounts are estimated at the quarter-end prices implied by the filing.

Full comparison
New
7
Est. +$2.31M
Added
44
Est. +$5.25M
Reduced
14
Est. −$1.05M
Sold out
1
Est. −$404.5K

Top 5 holdings

Share of this quarter's portfolio value

  1. iShares Core MSCI Eafe ETF46432F842
    10.2%$16.7M
  2. iShares Tr464288646
    9.7%$15.9M
  3. SPDR Series Trust78468R101
    9.0%$14.8M
  4. SPDR Index Shs FDS78463X509
    6.8%$11.3M
  5. Dimensional U.S. Targeted Value ETF25434V609
    6.1%$10.1M

Share of portfolio

Top 5 holdings and the other 69 positions, by share of portfolio value

  1. iShares Core MSCI Eafe ETF10.2%
  2. iShares Tr9.7%
  3. SPDR Series Trust9.0%
  4. SPDR Index Shs FDS6.8%
  5. Dimensional U.S. Targeted Value ETF6.1%
  6. Other 69 positions58.2%

Biggest buys

New and added positions, by estimated amount bought

  1. iShares Tr464288646
    +$797.5KAdded
  2. TSLATesla, Inc.
    +$789.7KNewHistory
  3. SPDR Series Trust78468R101
    +$708.3KAdded
  4. Dimensional U.S. Targeted Value ETF25434V609
    +$508.8KAdded
  5. SPDR Series Trust78468R200
    +$499.0KAdded

Largest weight increases

New and added positions, by percentage points of the portfolio gained

  1. TSLATesla, Inc.
    +0.48 pp0.0% → 0.5%History
  2. Vanguard World FD921910840
    +0.29 pp0.0% → 0.3%
  3. iShares Core MSCI Eafe ETF46432F842
    +0.29 pp9.9% → 10.2%
  4. NVDANVIDIA Corp
    +0.24 pp0.7% → 1.0%History
  5. SPDR Index Shs FDS78463X509
    +0.20 pp6.6% → 6.8%

Biggest sells

Reduced and sold-out positions, by estimated amount sold

  1. Vanguard S&P 500 ETF922908363
    −$501.6KReduced
  2. Vanguard Ftse Developed Markets ETF921943858
    −$404.5KSold out
  3. Vanguard Scottsdale FDS92206C409
    −$151.9KReduced
  4. Vanguard Intermediate-Term Corporate Bond ETF92206C870
    −$148.3KReduced
  5. Vanguard Morningstar Mid-Cap ETF922908629
    −$67.7KReduced

Largest weight decreases

Reduced and sold-out positions, by percentage points of the portfolio lost

  1. Vanguard Intermediate-Term Corporate Bond ETF92206C870
    −0.30 pp2.8% → 2.5%
  2. Vanguard S&P 500 ETF922908363
    −0.28 pp4.5% → 4.2%
  3. Vanguard Ftse Developed Markets ETF921943858
    −0.27 pp0.3% → 0.0%
  4. Vanguard Scottsdale FDS92206C409
    −0.12 pp0.3% → 0.2%
  5. Vanguard Morningstar Mid-Cap ETF922908629
    −0.05 pp0.3% → 0.3%

Metrics

13F metrics for Q2 2025, computed only from the numbers in the filings. Definitions below.

Portfolio value
$164.6M
+$14.8M (+9.9%) vs. prior quarter
Positions
74
+6 vs. prior quarter
Top 10 concentration
60.9%
Top 10 as share of value
Turnover
0.9%
Q2 2025, one quarter
Average holding period
15.6 quarters
Weighted by value

How these are calculated

  • Portfolio value: the market value of all long positions in the 13F, as reported at quarter end, excluding options.
  • Top 10 concentration: the combined value of the 10 largest positions as a share of portfolio value.
  • Turnover: the smaller of this quarter's estimated purchases and estimated sales, divided by the average of this and last quarter's portfolio value. Estimates multiply the change in shares by the quarter-end price implied by the filing (market value divided by shares); new positions use this quarter's value and sold-out positions last quarter's. Only positions reported in shares count, and it is not calculated when the previous quarter was not filed.
  • Average holding period: how many consecutive quarters each current position has been held (including this one; a quarter without the position or without a filing starts the count over), weighted by this quarter's value. Counting starts with the first 13F in Livermore (Q1 2021), so positions held before then are understated.

13F filings by quarter

18 quarters, going back to Q1 2021. Bars show each quarter's 13F portfolio value; quarters without a filing are left blank.

Peak $164.6M (Q2 2025)

Q1 2021: $96.9MQ2 2021: $111.8MQ3 2021: $121.3MQ4 2021: $118.8MQ1 2022: $106.7MQ2 2022: $118.1MQ3 2022: $102.7MQ4 2022: $115.3MQ1 2023: $118.5MQ2 2023: $122.7MQ3 2023: $113.6MQ4 2023: $120.5MQ1 2024: $126.1MQ2 2024: $132.9MQ3 2024: $141.0MQ4 2024: $144.3MQ1 2025: $149.8MQ2 2025: $164.6M
Q1 2021Q2 2025
13F filings of Better Money Decisions, LLC by quarter
QuarterFiledPositionsValueTop 3 holdingsChangesFiling
Q2 2025Aug 8, 202574$164.6MiShares Core MSCI Eafe ETFiShares TrSPDR Series Trustvs. Q1 2025SEC
Q1 2025Apr 10, 202568$149.8MiShares TriShares Core MSCI Eafe ETFSPDR Series Trustvs. Q4 2024SEC
Q4 2024Jan 24, 202567$144.3MiShares TrSPDR Series TrustiShares Core MSCI Eafe ETFvs. Q3 2024SEC
Q3 2024Oct 25, 202464$141.0MiShares Core MSCI Eafe ETFiShares TrSPDR Series Trustvs. Q2 2024SEC
Q2 2024Jul 24, 202465$132.9MiShares Core MSCI Eafe ETFiShares TrSPDR Series Trustvs. Q1 2024SEC
Q1 2024May 1, 202466$126.1MiShares Core MSCI Eafe ETFiShares TrSPDR Series Trustvs. Q4 2023SEC
Q4 2023Jan 23, 202461$120.5MiShares Core MSCI Eafe ETFiShares TrSPDR Series Trustvs. Q3 2023SEC
Q3 2023Nov 8, 202358$113.6MiShares Core MSCI Eafe ETFiShares TrSPDR Series Trustvs. Q2 2023SEC
Q2 2023Aug 9, 202363$122.7MiShares Core MSCI Eafe ETFiShares TrSPDR Series Trustvs. Q1 2023SEC
Q1 2023May 3, 202364$118.5MiShares Core MSCI Eafe ETFiShares TrSPDR Series Trustvs. Q4 2022SEC
Q4 2022Feb 14, 202368$115.3MiShares Core MSCI Eafe ETFiShares TrSPDR Series Trustvs. Q3 2022SEC
Q3 2022Oct 28, 202257$102.7MiShares Core MSCI Eafe ETFiShares TrSPDR Series Trustvs. Q2 2022SEC
Q2 2022Aug 5, 2022489$118.1MiShares Core MSCI Eafe ETFiShares TrSPDR Series Trustvs. Q1 2022SEC
Q1 2022May 13, 202259$106.7MiShares Core MSCI Eafe ETFiShares TrSPDR Series Trustvs. Q4 2021SEC
Q4 2021Feb 14, 202265$118.8MiShares Core MSCI Eafe ETFState Street SPDR Portfolio S&P 500 Growth ETFiShares Trvs. Q3 2021SEC
Q3 2021Oct 28, 2021640$121.3MiShares Core MSCI Eafe ETFState Street SPDR Portfolio S&P 500 Growth ETFiShares Trvs. Q2 2021SEC
Q2 2021Jul 22, 2021618$111.8MiShares Core MSCI Eafe ETFState Street SPDR Portfolio S&P 500 Growth ETFiShares Trvs. Q1 2021SEC
Q1 2021May 4, 2021572$96.9MiShares Core MSCI Eafe ETFState Street SPDR Portfolio S&P 500 Growth ETFiShares Tr–SEC