Retirement Investment Advisors, Inc.
"13F equity value" = market value of this filer's US-listed long equity positions only. It excludes cash, bonds, non-US and short positions, so it understates a fund's true assets under management — often by a lot.
13F holdings are disclosed ~45 days after quarter-end, and they never reveal when within the quarter a fund actually bought. So any 13F-based summary is structurally late and blurred — this applies to every fund, including this one.
We backtested copying it anyway. Buying this fund's new positions the day each filing went public, over 10 quarters, returned +6.4% per quarter — versus +4.0% per quarter from simply owning every 13F stock. It beat that baseline in only 50.0% of quarters (excess t = -0.73, not statistically significant). Its filings tell you what it bought — not what you should buy.
Quarterly compounding, invested quarters only · entry 47 days after quarter-end (when 13F data becomes public)
Top 20 holdings of 67 · 2026 Q1
| Ticker | Value | Weight | QoQ |
|---|---|---|---|
| VTV | $263M | | HOLD |
| VUG | $257M | | HOLD |
| IEFA | $187M | | HOLD |
| BIV | $134M | | HOLD |
| IEMG | $93M | | HOLD |
| VBR | $83M | | HOLD |
| BNDX | $48M | | HOLD |
| MUB | $45M | | HOLD |
| EMB | $28M | | HOLD |
| HYLB | $19M | | HOLD |
| VBK | $19M | | HOLD |
| HYD | $8M | | HOLD |
| VTEB | $6M | | HOLD |
| SCHV | $5M | | HOLD |
| XOM | $4M | | HOLD |
| QQQ | $4M | | HOLD |
| IVV | $3M | | HOLD |
| VEA | $3M | | HOLD |
| SDY | $2M | | HOLD |
| VXUS | $2M | | HOLD |
QoQ vs previous quarter's share count · NEW = new position · ADD/TRIM = ±2% shares · HOLD = unchanged.
New positions in 2026 Q1
Method & Limitations
Method: a "new position" = held this quarter, absent last quarter (options excluded; stocks with <50 prior holders excluded to filter spin-off artifacts). Entry 47 days after quarter-end — the first day the public could act on the filing. Benchmark = equal-weighted universe of all 13F-held stocks. Limitations: quarterly snapshots can't see intra-quarter trades; survivorship bias — funds that shut down are absent, which flatters the sample. Statistics, not advice.