Berkshire Money Management, Inc.

2. Key Holdings

The portfolio is heavily concentrated in its top positions, which are dominated by major index ETFs.

• SPDR S&P 500 ETF (SPY): This is the largest holding, comprising 22.17% of the total portfolio ($232.37M). It serves as the core equity anchor, providing broad exposure to large-cap U.S. stocks.
• SPDR Dow Jones Industrial Average (DIA): The second largest position at 9.47% ($99.27M). This indicates a tilt toward "blue-chip" industrial and financial giants distinct from the broader S&P 500.
• Invesco QQQ Trust & Innovator ETFs: The third and fourth positions are QQQ ($80.85M) and a large Innovator ETFs Trust position ($66.23M). The QQQ allocation provides aggressive growth exposure to the Nasdaq-100, while the Innovator holding suggests the use of "Defined Outcome" or buffer ETFs to manage volatility.
• Vanguard Dividend Appreciation (VIG): At 5.94% ($62.22M), this holding signals a focus on quality and income growth within the equity sleeve.