Cardinal Point Capital Management ULC

CIK 0001950841 · Q1 2026

13F Equity AUM

$1.6B

+6.6% QoQ

Positions

286

+26 QoQ

AUM Rank

#2,031

Top 16%

Skill Alpha (FF)

+0.0%/yr^ns

No Clear Edge

Rank #2,350 · Top 29%

vs S&P -9.0%/yr (unadj.)

Quarters Tracked

~3 years

Portfolio Concentration

Top 5: 29.0%Top 10: 42.7%Top 20: 59.5%

VTI12.0%

USFR4.5%

VEU4.2%

VGIT4.2%

DFAX4.1%

AAPL3.6%

LRGF3.0%

DFAC2.5%

MUB2.3%

DBMF2.3%

Others (276)57.3%

HHI (Herfindahl-Hirschman Index) measures portfolio concentration. Low (<1500) = diversified, Moderate (1500-2500), High (>2500) = concentrated bets.

Sector Allocation

Financial Services63.0%

Technology9.9%

Energy6.2%

Communication Services4.4%

Consumer Defensive3.1%

Healthcare3.0%

Basic Materials2.6%

Other7.7%

Portfolio weight by GICS sector based on latest 13F filing. Sectors below 2% are grouped as “Other.”

Position Sizing

Positions: 286Median: 0.04%Avg: 0.35%

0–0.5%

235(15.1%)

0.5–1%

24(17.4%)

1–3%

21(34.8%)

3–5%

5(20.6%)

5%+

1(12.0%)

Count of positions per weight bucket — (%) = combined portfolio weight

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Portfolio Overlap

Shared: 273Unique: 13vs 20 funds

3.7%Low

286

Fund positions

7,299

Consensus CUSIPs

Jaccard similarity of this fund’s portfolio vs the consensus of top 20 funds by AUM. Low (<15%) = contrarian, Moderate (15-40%), High (>40%) = follows the crowd.

Most Similar Funds

Top 9 benchmark funds with highest portfolio overlap (Jaccard similarity)

MORGAN STANLEY

5.1%

JPMORGAN CHASE & CO

5.5%

BANK OF AMERICA CORP /DE/

5.6%

FMR LLC

7.7%

BlackRock, Inc.

5.6%

VANGUARD CAPITAL MANAGEMENT LLC

4.9%

GEODE CAPITAL MANAGEMENT, LLC

4.7%

STATE STREET CORP

4.2%

VANGUARD PORTFOLIO MANAGEMENT LLC

4.1%

Jaccard similarity per fund: shared CUSIPs / (fund A + fund B − shared). Higher values indicate more similar portfolios.

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Position Changes This Quarter

New48Increased107Decreased91Exited22

New Positions

VBIL1.3%

+273K

BROOKFIELD BUSINESS …0.7%

+353K

VTEB0.7%

+220K

VUG0.1%

+5K

PWRD0.1%

+20K

VBR0.1%

+7K

ABFL0.1%

+17K

VXUS0.1%

+15K

IGV0.1%

+11K

XLF0.1%

+21K

Increased

OTX0.6%

+190K(+74%)

ODV0.0%

+131K(+196%)

TFLO1.6%

+126K(+32%)

NVDA1.6%

+115K(+302%)

PYLD1.9%

+109K(+10%)

DFAX4.1%

+107K(+6%)

VEU4.2%

+90K(+11%)

AIOT0.0%

+75K(+124%)

DBMF2.3%

+70K(+6%)

DFAC2.5%

+58K(+6%)

Decreased

CVE0.1%

-209,897(-86%)

EQX0.1%

-58,150(-37%)

KVUE0.3%

-46,563(-15%)

AAPL3.6%

-39,522(-14%)

SU1.5%

-16,841(-4%)

PAAS0.0%

-14,037(-57%)

ARIS0.0%

-12,550(-27%)

IMG0.0%

-12,250(-39%)

LRGF3.0%

-9,298(-1%)

DFSU0.5%

-7,479(-4%)

Exited

-236,389

-52,034

-119,133

-205,600

-25,470

-2,892

-6,802

-5,540

-5,530

-9,050

Quarter-over-quarter changes compared to prior 13F filing. New = first appearance; Exited = no longer held.

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Holdings

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