Institutional Manager · CIK 0001535172

Berkshire Money Management, Inc.

DALTON, MA · File #028-15668

Latest AUM

$1.05B

Positions

132

Top-10 Concentration

74.9%

Filings

Portfolio Value Over Time

2024-03

2024-06

2024-09

2024-12

2025-03

2025-06

2025-09

2025-12

Biggest QoQ Changes

Ranked by conviction flow (share change × current price) so mark-to-market moves don't dominate. Price effect column shows how much of the $ change was just the stock moving.

Action	Issuer	Ticker / CUSIP	Δ Shares	Flow ($)	Price Effect
ADD	SELECT SECTOR SPDR TR	81369Y886	+293,881	+$12.5M	-$12.6M
REDUCE	VANGUARD BD INDEX FDS	921937827	-80,952	-$6.4M	-$48,759
ADD	SPDR SERIES TRUST	78468R622	+53,727	+$5.2M	-$79,818
REDUCE	ISHARES TR	46429B697	-49,373	-$4.6M	-$58,246
NEW	VANGUARD INDEX FDS	922908363	+5,556	+$3.5M	$0
ADD	INVESCO EXCHANGE TRADED FD T	IVZ	+16,771	+$3.2M	+$525,147
NEW	MICROSOFT CORP	MSFT	+6,498	+$3.1M	$0
ADD	SPDR DOW JONES INDL AVERAGE	78467X109	+5,766	+$2.8M	+$3.4M
NEW	ISHARES TR	464287101	+6,500	+$2.2M	$0
NEW	BROADCOM INC	AVGO	+5,584	+$1.9M	$0

Sector Allocation

Financials

14.9%$156.4M

Materials

12.2%$127.6M

Technology

1.7%$17.6M

Consumer Discretionary

0.4%$4.2M

Industrials

0.3%$3.2M

Communication Services

0.1%$1.3M

0.1%$1.2M

0.1%$1.2M

0.1%$875,319

0.0%$219,028

Filing History

Jan 27, 202613F HOLDINGS REPORTQ/E Dec 2025132 pos · $1.05B
Oct 14, 202513F HOLDINGS REPORTQ/E Sep 202548 pos · $971.6M
Jul 22, 202513F HOLDINGS REPORTQ/E Jun 2025167 pos · $950.3M
Apr 23, 202513F HOLDINGS REPORTQ/E Mar 2025103 pos · $891.1M
Jan 27, 202513F HOLDINGS REPORTQ/E Dec 202487 pos · $919.8M
Oct 16, 202413F HOLDINGS REPORTQ/E Sep 202440 pos · $873.7M
Jul 19, 202413F HOLDINGS REPORTQ/E Jun 202439 pos · $823.5M
May 8, 202413F HOLDINGS REPORTQ/E Mar 202485 pos · $828.4M
Oct 17, 202313F HOLDINGS REPORTQ/E Dec 202340 pos · $660.2M

Top 20 Holdings — Dec 2025

#	Issuer	Ticker	Shares	Value	% of Portfolio
1	SPDR S&P 500 ETF TR	SPY	340,274	$232.0M	22.84%
2	SPDR DOW JONES INDL AVERAGE	78467X109	206,574	$99.3M	9.77%
3	INVESCO QQQ TR	IVZ	131,616	$80.9M	7.96%
4	INNOVATOR ETFS TRUST	INHD	2,496,244	$66.2M	6.52%
5	VANGUARD SPECIALIZED FUNDS	921908844	283,087	$62.2M	6.12%
6	INVESCO EXCHANGE TRADED FD T	IVZ	299,108	$57.3M	5.64%
7	ISHARES TR	464287614	114,706	$54.3M	5.34%
8	SPDR SERIES TRUST	78468R408	1,755,779	$44.5M	4.38%
9	ISHARES TR	464287408	152,364	$32.3M	3.18%
10	VANGUARD BD INDEX FDS	921937827	406,845	$32.1M	3.16%
11	INNOVATOR ETFS TRUST	INHD	637,168	$26.7M	2.63%
12	VANGUARD INDEX FDS	922908736	54,479	$26.6M	2.62%
13	SELECT SECTOR SPDR TR	81369Y886	576,065	$24.6M	2.42%
14	SPDR SERIES TRUST	78468R663	251,294	$23.0M	2.26%
15	VANECK ETF TRUST	92189F643	212,614	$22.0M	2.17%
16	EXCHANGE TRADED CONCEPTS TRU	301505731	241,058	$15.3M	1.51%
17	SPDR SERIES TRUST	78468R622	156,057	$15.2M	1.49%
18	INVESCO EXCHANGE TRADED FD T	IVZ	245,620	$14.6M	1.44%
19	APPLE INC	AAPL	26,950	$7.3M	0.72%
20	TIDAL TRUST I	886364231	287,529	$7.1M	0.70%