SJS Investment Consulting Inc. Q4 2025 Filing

Filed January 21, 2026

Portfolio Value

$790.4M

Holdings

2,087

Report Date

Q4 2025

Filing Type

13F-HR

All Holdings (2,087 positions)

#	Stock	Shares	Value	% Portfolio
1	DFACDIMENSIONAL ETF TRUST	9,111,768	$360.7M	45.64%
2	DFICDIMENSIONAL ETF TRUST	1,890,712	$65.2M	8.24%
3	DUSBDIMENSIONAL ETF TRUST	642,934	$32.6M	4.12%
4	VCRBVANGUARD MALVERN FDS	385,176	$30.0M	3.80%
5	DFSDDIMENSIONAL ETF TRUST	441,690	$21.2M	2.68%
6	LLYELI LILLY & CO	19,068	$20.5M	2.59%
7	AAPLAPPLE INC	71,462	$19.4M	2.46%
8	VTIPVANGUARD MALVERN FDS	283,238	$14.0M	1.77%
9	AVEMAMERICAN CENTY ETF TR	162,076	$12.5M	1.58%
10	AVUSAMERICAN CENTY ETF TR	109,596	$12.3M	1.55%
11	HRLHORMEL FOODS CORP	473,731	$11.2M	1.42%
12	DFSUDIMENSIONAL ETF TRUST	210,779	$9.2M	1.16%
13	VBILVANGUARD INSTL INDEX FD	120,272	$9.1M	1.15%
14	DFAXDIMENSIONAL ETF TRUST	276,434	$9.0M	1.14%
15	NVDANVIDIA CORPORATION	48,397	$9.0M	1.14%
16	DFCFDIMENSIONAL ETF TRUST	191,896	$8.2M	1.03%
17	DFGRDIMENSIONAL ETF TRUST	297,796	$7.9M	1.00%
18	MSFTMICROSOFT CORP	9,452	$4.6M	0.58%
19	GOOGLALPHABET INC	14,411	$4.5M	0.57%
20	VVISA INC	11,160	$3.9M	0.50%
21	GOOGALPHABET INC	12,463	$3.9M	0.49%
22	DFEMDIMENSIONAL ETF TRUST	112,801	$3.7M	0.47%
23	MCDMCDONALDS CORP	11,552	$3.5M	0.45%
24	WMTWALMART INC	28,831	$3.2M	0.41%
25	AVDEAMERICAN CENTY ETF TR	37,593	$3.1M	0.39%
26	VYMIVANGUARD WHITEHALL FDS	31,649	$2.8M	0.36%
27	WSBCWESBANCO INC	74,236	$2.5M	0.31%
28	JPMJPMORGAN CHASE & CO.	7,314	$2.4M	0.30%
29	DFUSDIMENSIONAL ETF TRUST	30,775	$2.3M	0.29%
30	AMZNAMAZON COM INC	9,407	$2.2M	0.27%
31	ANDEANDERSONS INC	39,984	$2.1M	0.27%
32	GBTCGRAYSCALE BITCOIN TRUST ETF	27,578	$1.9M	0.24%
33	SYYSYSCO CORP	21,510	$1.6M	0.20%
34	BNDVANGUARD BD INDEX FDS	20,177	$1.5M	0.19%
35	SPYSPDR S&P 500 ETF TR	2,101	$1.4M	0.18%
36	CATCATERPILLAR INC	2,374	$1.4M	0.17%
37	VCRMVANGUARD MUN BD FDS	17,723	$1.3M	0.17%
38	UMBFUMB FINL CORP	10,995	$1.3M	0.16%
39	DFUVDIMENSIONAL ETF TRUST	26,169	$1.2M	0.15%
40	AVGOBROADCOM INC	3,466	$1.2M	0.15%
41	XOMEXXON MOBIL CORP	9,630	$1.2M	0.15%
42	PGPROCTER AND GAMBLE CO	7,658	$1.1M	0.14%
43	IVVISHARES TR	1,574	$1.1M	0.14%
44	DFIVDIMENSIONAL ETF TRUST	21,182	$1.1M	0.13%
45	SCHWSCHWAB CHARLES CORP	10,397	$1.0M	0.13%
46	PLTRPALANTIR TECHNOLOGIES INC	5,722	$1.0M	0.13%
47	NEENEXTERA ENERGY INC	12,117	$972K	0.12%
48	WELLWELLTOWER INC	5,072	$941K	0.12%
49	BTCGRAYSCALE BITCOIN MINI TR ET	24,105	$933K	0.12%
50	JNJJOHNSON & JOHNSON	4,499	$930K	0.12%
51	METAMETA PLATFORMS INC	1,400	$924K	0.12%
52	TSLATESLA INC	2,051	$921K	0.12%
53	VXUSVANGUARD STAR FDS	12,000	$905K	0.11%
54	COSTCOSTCO WHSL CORP NEW	1,021	$880K	0.11%
55	VTVVANGUARD INDEX FDS	4,274	$816K	0.10%
56	VTIVANGUARD INDEX FDS	2,400	$804K	0.10%
57	TRVCCITIGROUP INC	6,895	$803K	0.10%
58	BRK-BBERKSHIRE HATHAWAY INC DEL	1	$754K	0.10%
59	ORCLORACLE CORP	3,747	$730K	0.09%
60	DFASDIMENSIONAL ETF TRUST	9,825	$684K	0.09%
61	LOWLOWES COS INC	2,808	$676K	0.09%
62	GEVGE VERNOVA INC	974	$636K	0.08%
63	NDQINVESCO QQQ TR	1,017	$624K	0.08%
64	BACVERIZON COMMUNICATIONS INC	15,193	$617K	0.08%
65	CSCOCISCO SYS INC	7,980	$613K	0.08%
66	CVXCHEVRON CORP NEW	3,933	$599K	0.08%
67	MDYVSPDR SERIES TRUST	7,000	$592K	0.07%
68	FSLRFIRST SOLAR INC	2,175	$568K	0.07%
69	HDHOME DEPOT INC	1,625	$558K	0.07%
70	VOOVANGUARD INDEX FDS	869	$544K	0.07%
71	DFAEDIMENSIONAL ETF TRUST	16,012	$521K	0.07%
72	ICFISHARES TR	8,653	$516K	0.07%
73	VGTVANGUARD WORLD FD	676	$509K	0.06%
74	LINLINDE PLC	1,193	$508K	0.06%
75	ABTABBOTT LABS	4,005	$500K	0.06%
76	ABBVABBVIE INC	2,174	$496K	0.06%
77	EMREMERSON ELEC CO	3,682	$487K	0.06%
78	DTEDTE ENERGY CO	3,738	$481K	0.06%
79	VNQIVANGUARD INTL EQUITY INDEX F	10,000	$458K	0.06%
80	IBMINTERNATIONAL BUSINESS MACHS	1,546	$457K	0.06%
81	GWWWW GRAINGER INC	445	$448K	0.06%
82	EMXCISHARES INC	6,027	$438K	0.06%
83	ITWILLINOIS TOOL WKS INC	1,771	$435K	0.06%
84	GQ9SPDR GOLD TR	1,095	$433K	0.05%
85	BSCSINVESCO EXCH TRD SLF IDX FD	20,638	$425K	0.05%
86	BACBANK AMERICA CORP	7,653	$420K	0.05%
87	BSCRINVESCO EXCH TRD SLF IDX FD	21,292	$420K	0.05%
88	BSCTINVESCO EXCH TRD SLF IDX FD	22,288	$419K	0.05%
89	XLKSELECT SECTOR SPDR TR	2,891	$416K	0.05%
90	KRKROGER CO	6,656	$415K	0.05%
91	ADPAUTOMATIC DATA PROCESSING IN	1,583	$406K	0.05%
92	IAUMISHARES GOLD TR	9,348	$401K	0.05%
93	AMATAPPLIED MATLS INC	1,533	$393K	0.05%
94	WGSGENEDX HOLDINGS CORP	3,000	$390K	0.05%
95	VBVANGUARD INDEX FDS	1,508	$388K	0.05%
96	MPCMARATHON PETE CORP	2,374	$385K	0.05%
97	BABOEING CO	1,733	$375K	0.05%
98	WFCWELLS FARGO CO NEW	3,939	$366K	0.05%
99	IBITISHARES BITCOIN TRUST ETF	7,379	$366K	0.05%
100	ADIANALOG DEVICES INC	1,325	$358K	0.05%

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