ERn Financial, LLC
Annual return '25
-0.3%
SPY '25
+17.7%
Alpha
-18.1ptsvs SPY
Invested
$531.8M
Holdings
149
Trades YTD
0
Performance · Fund vs SPY
Cumulative return · quarterly snapshotsCoverage 31%. 2 quarters of 2025 measured against SPY adj-close benchmark.
Top holdings · current snapshot
Source: 13F-HR01
$SPYV
SPDR SERIES TRUST
Q1 2026: Sold 3.2% (330.3k → 319.6k shares)
7.4%
02
$SPYG
SPDR SERIES TRUST
Q1 2026: Increased +0.7% (138.0k → 138.9k shares)
6.9%
03
$SPDW
SPDR INDEX SHS FDS
Q1 2026: Increased +11.5% (311.8k → 347.8k shares)
5.6%
04
$IEFA
ISHARES TR
Q1 2026: Increased +1.0% (1.37M → 1.39M shares)
3.6%
05
$USTB
VICTORY PORTFOLIOS II
Q1 2026: Sold 6.8% (7.2k → 6.7k shares)
3.2%
06
$MDYV
SPDR SERIES TRUST
Held since at least Q1 2024
2.7%
07
$AVEM
AMERICAN CENTY ETF TR
Held since at least Q1 2024
2.6%
08
$SPEM
SPDR INDEX SHS FDS
Q1 2026: Sold 32.6% (211.2k → 142.3k shares)
2.3%
09
$PYLD
PIMCO ETF TR
Q1 2026: Increased +26.8% (650.3k → 824.6k shares)
2.3%
10
$DFCF
DIMENSIONAL ETF TRUST
Held since at least Q1 2024
2.1%
Recent trades · Last 90 days
No Form 4 / 13D / 13G trade events on file in the recent window. 13F filers report position snapshots quarterly rather than per-trade events, so this section is most useful for managers who also file Form 4 or 13D/G.
Convergence · Pattern Engine ships in v1.1
30-day windowIn development
Convergence participation lands with the Pattern Engine.
Once the Pattern Engine ships, this section will list every active convergence event this fund is named in — with the other named funds, the Congress members on the same name, and combined position size.
Source data: SEC EDGAR · 13F-HR filings · Performance through 2025-12-31 · Last refreshed 11:54 UTC.