Oath Planning's Strategic ETF Investments
Oath Planning LLC Expands ETF Portfolio with Major Stakes in International and Fixed-Income Funds
Anonymous
Key Points
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Oath Planning said VGIT was about 2.3% of its portfolio and ranked it as its 13th-largest holding, after buying 38,743 shares (about $2.322 million) in Q4.
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Oath Planning’s SCHF stake was sized at roughly 1.2% of its portfolio and was its 19th-biggest position after purchasing 51,280 shares (about $1.233 million) in Q4.
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Oath Planning’s QUAL purchase of 2,962 shares (about $588,000) made it about 0.6% of the firm’s holdings, ranking it as its 29th-largest position.
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Other investors significantly increased QUAL exposure: Two Sigma added 964,500 shares (+99.7%) to 1,931,800 shares; Goldman Sachs increased holdings by 887,478 shares (+403.0%) to 1,107,669; and Heck Capital Advisors bought a new QUAL position worth about $81.99 million.
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The reporting also highlighted specific market metrics for the ETFs involved—e.g., SCHF traded with a beta of 0.82 and a P/E of 16.14, while SCHC showed a 52-week range of $40.68 to $51.78.
Oath Planning LLC, a Tulsa-based financial advisory firm, bought a $522,000 stake in the Schwab International Small-Cap Equity ETF (SCHC) in the fourth quarter of 2025, according to Watchlist News. The purchase is part of a broader $5.4 million expansion into international equity and fixed-income funds, signaling the firm's push to diversify beyond U.S. large-cap stocks.
Oath Planning's new SCHC position arrived alongside major moves by other institutional players. Firms like TIAA Trust and Redwood Investment Management also expanded their SCHC holdings during the same period, according to Ticker Report.
Oath Planning Bets Big on International and Treasury ETFs
The firm's largest Q4 purchase was $2.322 million in the Vanguard Intermediate-Term Treasury ETF (VGIT). Oath Planning bought 38,743 shares, making VGIT its 13th-largest holding at 2.3% of its portfolio, according to Watchlist News. Intermediate-term Treasuries are U.S. government bonds that mature in roughly three to ten years — typically seen as a safe, steady investment.
Oath Planning also added 51,280 shares of the Schwab International Equity ETF (SCHF), worth about $1.233 million. That made SCHF its 19th-largest position at 1.2% of its portfolio. SCHF carries a beta of 0.82 — meaning it tends to move less sharply than the broader U.S. market — and a price-to-earnings ratio of 16.14, according to Ticker Report.
Goldman Sachs and Two Sigma Flood Into Quality-Factor ETF
Oath Planning also bought 2,962 shares of the iShares MSCI USA Quality Factor ETF (QUAL), worth about $588,000, ranking it as the firm's 29th-largest holding. QUAL tracks companies with high profitability, stable earnings, and low debt — traits linked to long-term outperformance, according to Watchlist News.
Oath was far from alone in chasing quality. Goldman Sachs increased its QUAL stake by 403.0%, adding 887,478 shares to reach 1,107,669 total. Two Sigma added 964,500 shares — a 99.7% jump — bringing its total to 1,931,800 shares. Heck Capital Advisors opened a brand-new QUAL position worth $81.99 million. In all, 1,671 funds now report QUAL holdings, according to Ticker Report.
International Small-Cap Stocks Draw Attention at a Discount
SCHC, the international small-cap fund at the center of Oath's new position, traded in a 52-week range of $40.68 to $51.78. Analysts say international small-cap stocks spent much of 2024 and 2025 trading at a notable discount to their U.S. counterparts, making funds like SCHC attractive to value-minded advisors, according to Watchlist News.
Oath Planning's Rodney Yancy has framed the firm's investment approach around careful, long-term planning. The firm reported discretionary assets under management of roughly $284.7 million as of its February 2026 SEC filing. The combined move into SCHC, SCHF, VGIT, and QUAL suggests a "barbell" strategy — seeking growth in foreign markets while cushioning risk with government bonds, according to Ticker Report.
A Broader Institutional Shift Away From U.S. Concentration
Oath Planning's moves fit a wider pattern. Large managers are rotating away from U.S. large-cap-heavy portfolios. Goldman Sachs' massive QUAL increase signals a defensive tilt for its clients. At the same time, firms like Oath are expanding into non-U.S. markets to reduce reliance on American tech giants, according to Watchlist News.
The risk is real: quality-factor funds can lag in speculative rallies when low-quality stocks surge. But the institutional breadth behind this shift — from a mid-sized Oklahoma RIA to Goldman Sachs — suggests the trend has staying power heading into 2026, according to Ticker Report.
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