Retirement Management Systems Inc.

CIK 0002110516 · Q1 2026

13F Equity AUM

$414.9M

+6.2% QoQ

Positions

-3 QoQ

AUM Rank

#4,853

Top 39%

Skill Alpha (FF)

—

No alpha data

Quarters Tracked

~0 years

Portfolio Concentration

Top 5: 30.2%Top 10: 53.4%Top 20: 80.8%

SPYG7.5%

HFSI6.0%

EVTR5.8%

BIV5.6%

IDEV5.4%

IDMO5.4%

PVAL4.6%

FMDE4.6%

RECS4.3%

SPY4.2%

Others (41)46.6%

HHI (Herfindahl-Hirschman Index) measures portfolio concentration. Low (<1500) = diversified, Moderate (1500-2500), High (>2500) = concentrated bets.

Sector Allocation

Financial Services97.6%

Other2.4%

Portfolio weight by GICS sector based on latest 13F filing. Sectors below 2% are grouped as “Other.”

Position Sizing

Positions: 51Median: 1.45%Avg: 1.96%

0–0.5%

17(2.4%)

0.5–1%

7(5.4%)

1–3%

14(28.0%)

3–5%

7(28.6%)

5%+

6(35.6%)

Count of positions per weight bucket — (%) = combined portfolio weight

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Portfolio Overlap

Shared: 50Unique: 1vs 20 funds

0.7%Low

Fund positions

7,299

Consensus CUSIPs

Jaccard similarity of this fund’s portfolio vs the consensus of top 20 funds by AUM. Low (<15%) = contrarian, Moderate (15-40%), High (>40%) = follows the crowd.

Most Similar Funds

Top 9 benchmark funds with highest portfolio overlap (Jaccard similarity)

JPMORGAN CHASE & CO

BANK OF AMERICA CORP /DE/

0.9%

1.3%

0.7%

0.3%

GEODE CAPITAL MANAGEMENT, LLC

0.2%

VANGUARD CAPITAL MANAGEMENT LLC

0.2%

VANGUARD PORTFOLIO MANAGEMENT LLC

0.2%

Jaccard similarity per fund: shared CUSIPs / (fund A + fund B − shared). Higher values indicate more similar portfolios.

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Position Changes This Quarter

New4Increased24Decreased21Exited7

New Positions

FRDM2.0%

+150K

PICK1.6%

+117K

IGV0.7%

+34K

TBUX0.1%

+6K

Increased

FMDE4.6%

+231K(+78%)

QINT2.8%

+156K(+797%)

PVAL4.6%

+120K(+41%)

EVTR5.8%

+81K(+21%)

HFSI6.0%

+71K(+11%)

JMEE3.5%

+69K(+47%)

RECS4.3%

+49K(+12%)

IDMO5.4%

+40K(+11%)

IDEV5.4%

+24K(+10%)

BIV5.6%

+23K(+8%)

Decreased

EMXC2.8%

-73,245(-33%)

URTH0.1%

-51,148(-98%)

ZROZ0.6%

-50,470(-55%)

SPYV1.9%

-49,441(-26%)

VEN0.9%

-19,348(-31%)

SPYG7.5%

-13,764(-4%)

WELL0.9%

-8,097(-31%)

BUFR0.1%

-5,097(-41%)

MGV4.0%

-1,488(-1%)

IAU*0.1%

-969(-15%)

Exited

-55,634

-127,360

-19,548

-18,182

-8,216

-2,397

-5,540

Quarter-over-quarter changes compared to prior 13F filing. New = first appearance; Exited = no longer held.

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Holdings

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