Q2 2026 13F · SEC CIK 1730774

Rinkey Investments

Wealth managerFiled 2026-07-20 for Q2 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $424.8M
Reported positions: 128
Top holdings a year, 3 yrs: +9.3%
Assets under management: $471.1M

Rinkey Investments is a wealth manager that reported 128 positions worth $424.8M in its Q2 2026 13F, filed 2026-07-20. Its largest holdings were Ishares Tr (TFLO, 11.5%), Spdr Series Trust (SPTM, 7.8%), SPDR Portfolio Developed World (SPDW, 7.6%). A portfolio copying its top holdings returned 9.3% a year over the last 3 years, against 20.4% for the S&P 500.

Rinkey Investments holdings largest 50 of 128 positions.

Weights are shares of the filer's total reported 13F value, compared with Q1 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

Rinkey Investments 13F holdings
Stock	% of 13F value	Q1 2026	Shares	Share change	Reported value
TFLOIshares Tr	11.5%	10.3%	961,211	+20.6%	$48.7M
SPTMSpdr Series Trust	7.8%	7.4%	363,352	-0.5%	$33.0M
SPDWSPDR Portfolio Developed World	7.6%	7.6%	639,738	-1.9%	$32.2M
VEAVanguard Tax-Managed Fds	5.5%	5.1%	330,467	+6.5%	$23.5M
BNDXVanguard Charlotte Fds	5.4%	5.9%	477,491	-1.3%	$23.1M
VTVVanguard Value ETF	5.4%	4.9%	105,750	+9.0%	$23.0M
BNDVanguard Total Bond Market ETF	4.0%	3.9%	233,157	+12.7%	$17.1M
CMFIshares Tr	3.6%	3.8%	266,511	+2.9%	$15.4M
VTIVanguard Index Fds	3.5%	3.2%	39,953	+2.6%	$14.8M
MUBIshares National Muni Bond ETF	2.9%	3.0%	115,606	+3.7%	$12.4M
VUGVanguard Indx Fd	2.5%	2.1%	123,408	+548.7%	$10.6M
VBVanguard Indx Fd	2.4%	2.1%	33,327	+5.0%	$10.1M
VGLTVanguard Long-Term Treasury ETF Total	1.9%	2.1%	149,291	+2.5%	$8.2M
SPTSSpdr Series Trust	1.9%	3.0%	278,526	-31.6%	$8.1M
IEIIshares	1.7%	3.1%	59,819	-41.3%	$7.0M
VWOVanguard Intl Equity Index F	1.6%	1.5%	115,190	+6.6%	$6.9M
SPEMState Street Spdr Portfolio Emerging Mar	1.5%	1.4%	119,924	-0.3%	$6.2M
SCHVSchwab Strategic Tr	1.4%	1.4%	175,707	+0.0%	$6.1M
IVVIshares Core S&p 500 ETF	1.4%	1.3%	7,831	+0.0%	$5.9M
AAPLApple Inc	1.3%	1.3%	19,648	-2.3%	$5.7M
SPABSpdr Series Trust	1.3%	1.4%	210,919	-1.2%	$5.4M
SCHASchwab U.s. Small-Cap ETF	1.2%	1.1%	144,667	-0.1%	$5.2M
IEFAIshares Core Msci Eafe ETF	1.1%	1.2%	50,387	+0.0%	$4.9M
BRK-BBerkshire Hathaway Inc Del	1.0%	1.0%	8,274	+0.0%	$4.1M
EMBIshares Tr	0.9%	1.0%	40,795	-2.3%	$3.9M
QQQInvesco Qqq Tr	0.9%	0.7%	5,254	+8.2%	$3.9M
MSFTMicrosoft Corp	0.7%	0.7%	8,439	+7.3%	$3.1M
IWDIshares Russell 1000 Value ETF	0.7%	0.7%	11,658	-7.8%	$2.8M
PGRProgressive Corp.	0.6%	0.6%	11,073	+0.0%	$2.4M
VGTVanguard Info Tech	0.6%	0.4%	19,935	+700.3%	$2.4M
FBNDFidelity Merrimack Str Tr	0.5%	0.5%	46,065	-0.2%	$2.1M
AMZNAmazon Com Inc Com	0.5%	0.5%	8,787	-0.5%	$2.1M
VGSHVanguard Short-Term Treasury ETF Total	0.5%	0.3%	35,656	+67.8%	$2.1M
SCHGSchwab U.s. Large-Cap Growth ETF	0.5%	0.4%	60,688	+0.6%	$2.1M
COSTCostco Whsl Corp New	0.5%	0.6%	2,185	-3.2%	$2.0M
SPIBSpdr Series Trust	0.5%	0.5%	60,896	+6.8%	$2.0M
NVDANvidia Corporation Com	0.5%	0.5%	10,108	-0.4%	$2.0M
VCITVanguard Scottsdale Fds	0.4%	0.4%	22,798	+29.8%	$1.9M
SPIPSpdr Series Trust	0.4%	0.5%	71,130	-1.3%	$1.8M
BNBrookfield Corp	0.4%	0.5%	42,547	-4.9%	$1.8M
VWOBVanguard Whitehall Fds	0.4%	0.4%	22,253	-2.1%	$1.5M
VTIPVanguard Malvern Fds	0.3%	0.4%	29,006	-1.7%	$1.5M
XOMExxon Mobil Corp	0.3%	0.5%	10,480	-10.7%	$1.4M
VOOVanguard S&p 500 ETF	0.3%	0.3%	1,803	+0.6%	$1.2M
TMUST-Mobile US Inc	0.3%	0.6%	7,228	-35.0%	$1.2M
GOOGLAlphabet Inc	0.3%	0.3%	3,382	-20.3%	$1.2M
TRVTravelers Companies Inc	0.3%	—	3,368	—	$1.1M
IBMInternational Business Machs	0.2%	—	3,703	—	$1.0M
SOXXIshares Semiconductor ETF	0.2%	—	1,610	—	$1.0M
RTXRtx Corporation Com	0.2%	0.3%	5,415	-9.6%	$1.0M

What Rinkey Investments bought and sold in Q2 2026, against Q1 2026.

New positions

Q1 2026's filing was too long to tell new positions apart.

Added to

VGT Vanguard Info Tech+700.3% shares
VUG Vanguard Indx Fd+548.7% shares
VGSH Vanguard Short-Term Treasury ETF Total+67.8% shares
VCIT Vanguard Scottsdale Fds+29.8% shares
TFLO Ishares Tr+20.6% shares
BND Vanguard Total Bond Market ETF+12.7% shares
VTV Vanguard Value ETF+9.0% shares
QQQ Invesco Qqq Tr+8.2% shares

Reduced

IEI Ishares-41.3% shares
TMUS T-Mobile US Inc-35.0% shares
SPTS Spdr Series Trust-31.6% shares
GOOGL Alphabet Inc-20.3% shares
XOM Exxon Mobil Corp-10.7% shares
RTX Rtx Corporation Com-9.6% shares
IWD Ishares Russell 1000 Value ETF-7.8% shares

Left the top 50

Share counts compared with the Q1 2026 13F; a split also changes share counts. The latest filing lists more than 50 positions, so a position that left the top 50 may still be held.

How the holdings did against the S&P 500.

1 year: +11.2% /yr; S&P 500 +20.1%
3 years: +9.3% /yr; S&P 500 +20.4%
5 years: +6.5% /yr; S&P 500 +16.8%

A portfolio of the filer's 20 largest 13F positions, weighted by value and rebuilt each quarter on the day the filing became public. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q2 2026	$424.8M	128
Q1 2026	$391.0M	125
Q4 2025	$393.8M	129
Q3 2025	$376.9M	126
Q2 2025	$332.8M	100
Q1 2025	$315.7M	95
Q4 2024	$312.5M	90
Q3 2024	$309.0M	81
Q2 2024	$278.3M	72
Q1 2024	$274.4M	71
Q4 2023	$253.9M	61
Q3 2023	$218.3M	47

Questions about Rinkey Investments's portfolio

What stocks does Rinkey Investments own?

Rinkey Investments's latest 13F, for Q2 2026 and filed Jul 20, 2026, lists 128 positions worth $424.8M. The largest are Ishares Tr (TFLO) at 11.5%, Spdr Series Trust (SPTM) at 7.8%, SPDR Portfolio Developed World (SPDW) at 7.6%, Vanguard Tax-Managed Fds (VEA) at 5.5% and Vanguard Charlotte Fds (BNDX) at 5.4%.

What did Rinkey Investments buy last quarter?

In Q2 2026, Rinkey Investments added Vanguard Info Tech (VGT) (+700.3% shares), Vanguard Indx Fd (VUG) (+548.7% shares) and Vanguard Short-Term Treasury ETF Total (VGSH) (+67.8% shares), compared with its Q1 2026 filing.

What did Rinkey Investments sell last quarter?

In Q2 2026, Rinkey Investments cut from its top 50 Ocugen Inc (OCGN), cut from its top 50 Johnson & Johnson (JNJ), cut from its top 50 Oracle Corp (ORCL), Ishares (IEI) (-41.3% shares), T-Mobile US Inc (TMUS) (-35.0% shares) and Spdr Series Trust (SPTS) (-31.6% shares), compared with its Q1 2026 filing.

How has Rinkey Investments's portfolio performed?

A portfolio copying Rinkey Investments's 20 largest 13F holdings each quarter, from the day each filing was public, returned +9.3% a year over the last 3 years, against +20.4% for the S&P 500. Over 1 year: +11.2% against +20.1%. Over 5 years: +6.5% a year against +16.8%.

When is Rinkey Investments's next 13F filing due?

13F filings are due 45 days after each quarter ends. Rinkey Investments's filing for the quarter ending Sep 30, 2026 is due by Nov 14, 2026; this page updates the day after it is published.

How much money does Rinkey Investments manage?

Rinkey Investments reported $471.1M of regulatory assets under management on its latest SEC Form ADV. Its 13F, which covers only US-listed stocks and options, totals $424.8M.