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WHCI

W.H. Cornerstone Investments Portfolio holdings

AUM $160M
1-Year Est. Return 13.88%
This Fund
S&P 500
This Quarter Est. Return
+1.77%
1 Year Est. Return
+13.88%
3 Year Est. Return
+47.18%
5 Year Est. Return
–
10 Year Est. Return
–
AUM
$166M
AUM Growth
+$1.88M
Cap. Flow
+$100K
Cap. Flow %
0.06%
Top 10 Hldgs %
46.52%
Holding
118
New
3
Increased
54
Reduced
53
Closed
5

Top Buys

Rank Stock Value
1
VTI icon
Vanguard Morningstar Total Stock Market ETF
VTI
+$1.73M
2
VEA icon
Vanguard FTSE Developed Markets ETF
VEA
+$657K
3
DFGX icon
Dimensional International Core Fixed Income ETF
DFGX
+$450K
4
ECL icon
Ecolab
ECL
+$390K
5
SCHB icon
Schwab US Broad Market ETF
SCHB
+$353K

Top Sells

Rank Stock Value
1
BNDX icon
Vanguard Total International Bond ETF
BNDX
+$856K
2
APD icon
Air Products & Chemicals
APD
+$355K
3
CLX icon
Clorox
CLX
+$299K
4
VCIT icon
Vanguard Intermediate-Term Corporate Bond ETF
VCIT
+$293K
5
TMUS icon
T-Mobile US
TMUS
+$279K

Sector Composition

Rank Sector Weight
1 Technology 12.61%
2 Consumer Staples 6.07%
3 Consumer Discretionary 5.19%
4 Healthcare 4.6%
5 Communication Services 4.49%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
VTI icon
1
Vanguard Morningstar Total Stock Market ETF
VTI
$660B
$21.5M 12.96%
64,097
+5,201
+9% +$1.73M
AAPL icon
2
Apple
AAPL
$4.54T
$7.53M 4.54%
27,704
-507
-2% -$136K
VEA icon
3
Vanguard FTSE Developed Markets ETF
VEA
$229B
$7.01M 4.23%
112,233
+10,732
+11% +$657K
VCSH icon
4
Vanguard Short-Term Corporate Bond ETF
VCSH
$44.7B
$6.96M 4.2%
87,306
-798
-0.9% -$63.7K
VCIT icon
5
Vanguard Intermediate-Term Corporate Bond ETF
VCIT
$66.2B
$6.46M 3.9%
77,174
-3,481
-4% -$293K
MSFT icon
6
Microsoft
MSFT
$3.45T
$6.44M 3.88%
13,313
-23
-0.2% -$11.5K
GOOGL icon
7
Alphabet (Google) Class A
GOOGL
$4.36T
$5.86M 3.53%
18,707
-669
-3% -$191K
AMZN icon
8
Amazon
AMZN
$2.92T
$5.33M 3.22%
23,111
-280
-1% -$64.1K
SCHR
9
Schwab Intermediately-Term US Treasury ETF
SCHR
$13.3B
$5.18M 3.13%
206,667
-3,910
-2% -$98.4K
DFGX icon
10
Dimensional International Core Fixed Income ETF
DFGX
$1.7B
$4.88M 2.94%
92,786
+8,351
+10% +$450K
DFSV
11
Dimensional US Small Cap Value ETF
DFSV
$8.19B
$3.67M 2.21%
111,518
+10,674
+11% +$343K
BNDX icon
12
Vanguard Total International Bond ETF
BNDX
$81.9B
$3.52M 2.12%
72,850
-17,326
-19% -$856K
COST icon
13
Costco
COST
$422B
$3.48M 2.1%
4,034
-2
-0% -$1.81K
DFEM icon
14
Dimensional Emerging Markets Core Equity 2 ETF
DFEM
$8.81B
$3.43M 2.07%
103,628
+5,601
+6% +$183K
SCHO icon
15
Schwab Short-Term US Treasury ETF
SCHO
$12.8B
$3.08M 1.86%
126,549
+10,225
+9% +$249K
IVV icon
16
iShares Core S&P 500 ETF
IVV
$878B
$2.68M 1.61%
3,910
+14
+0.4% +$9.51K
TMO icon
17
Thermo Fisher Scientific
TMO
$213B
$2.27M 1.37%
3,917
-88
-2% -$49.8K
PG icon
18
Procter & Gamble
PG
$336B
$1.98M 1.19%
13,829
-839
-6% -$124K
V icon
19
Visa
V
$684B
$1.97M 1.19%
5,623
-183
-3% -$62.3K
DISV icon
20
Dimensional International Small Cap Value ETF
DISV
$4.95B
$1.93M 1.16%
50,757
+2,780
+6% +$101K
DIA icon
21
State Street SPDR Dow Jones Industrial Average ETF Trust
DIA
$45.8B
$1.78M 1.07%
3,710
-12
-0.3% -$5.68K
WMT icon
22
Walmart Inc
WMT
$885B
$1.76M 1.06%
15,821
+1,093
+7% +$117K
NVDA icon
23
NVIDIA
NVDA
$4.86T
$1.66M 1%
8,888
+1,041
+13% +$194K
SCHB icon
24
Schwab US Broad Market ETF
SCHB
$43.2B
$1.62M 0.97%
61,637
+13,543
+28% +$353K
JNJ icon
25
Johnson & Johnson
JNJ
$618B
$1.59M 0.96%
7,685
-137
-2% -$27.1K
1
2 3 4 5

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W.H. Cornerstone Investments's Q4 2025 Portfolio in Review

As of Q4 2025, W.H. Cornerstone Investments held 118 positions worth $166M, up 1.1% from $164M the previous quarter. Its ten largest holdings account for 47% of the portfolio.

W.H. Cornerstone Investments's Q4 2025 filing shows 3 new, 54 increased, 53 reduced and 5 closed positions. Its largest new stake was Avantis US Small Cap Value ETF: 3,112 shares worth $317K. The largest sale was Vanguard Total International Bond ETF, an estimated $856K.

By sector, the portfolio is most concentrated in Technology at 13% of assets, down from 13% a quarter earlier, followed by Consumer Staples and Consumer Discretionary.

  • W.H. Cornerstone Investments's largest Q4 2025 buy was Avantis US Small Cap Value ETF: 3,112 shares worth $317K.
  • W.H. Cornerstone Investments added most to Vanguard Morningstar Total Stock Market ETF in Q4 2025, an estimated $1.73M increase.
  • W.H. Cornerstone Investments's biggest Q4 2025 reduction was Vanguard Total International Bond ETF, cutting an estimated $856K.
  • W.H. Cornerstone Investments fully exited Clorox in Q4 2025, selling an estimated $299K.
  • W.H. Cornerstone Investments's ten largest holdings make up 47% of its $166M portfolio in Q4 2025.
  • W.H. Cornerstone Investments opened 3 new positions and closed 5 in Q4 2025.
  • W.H. Cornerstone Investments's portfolio value rose 1.1% quarter-over-quarter to $166M.

Based on W.H. Cornerstone Investments's 13F filing for Q4 2025, filed 10 Feb 2026.