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eCIO, Inc.

821 E. WASHINGTON AVENUE SUITE 200, MADISON, WI 53703 • (608) 291-4646

Q4 2025 · Filed 2026-01-20
Market Value
$214M
-16.2%
Holdings
186
+127
New Purchases
134
Added To
20
Closed
4
Reduced
28
Top 10 Concentration
74.0%
Turnover
74.2%

Top Buys (by % of Portfolio)

SymbolCur %Prior %Chg %Value
VMBS 5.54% 0.00% +5.54% $12M
SCHD 13.95% 10.48% +3.47% $30M
SCHF 9.03% 6.78% +2.25% $19M
BSV 7.11% 5.48% +1.63% $15M
JAAA 4.06% 2.45% +1.61% $9M
VBIL 2.67% 1.24% +1.43% $6M
XHLF 1.95% 0.72% +1.23% $4M
IEMG 2.27% 1.34% +0.92% $5M
SUSA 4.30% 3.52% +0.78% $9M
IJR 5.20% 4.48% +0.72% $11M
XONE 1.81% 1.18% +0.64% $4M
SWMCX 5.83% 5.34% +0.49% $12M
ESML 1.54% 1.28% +0.25% $3M
ESGD 1.28% 1.04% +0.24% $3M
SNPD 1.43% 1.21% +0.22% $3M

Top Sells (by % of Portfolio)

SymbolCur %Prior %Chg %Value
SWPPX 0.00% 24.85% -24.85% $0
CCLFX 0.00% 1.49% -1.49% $0
SCHC 0.01% 0.33% -0.33% $12K
VOO 0.00% 0.31% -0.31% $0
EAGG 2.99% 3.22% -0.23% $6M
AGG 16.01% 16.07% -0.06% $34M
SWVXX 0.00% 0.05% -0.05% $0
APH 0.04% 0.08% -0.05% $82K
ACGL 0.08% 0.11% -0.04% $162K
ORCL 0.06% 0.10% -0.04% $138K
AMZN 0.15% 0.18% -0.03% $315K
MSFT 0.15% 0.17% -0.02% $326K
TXN 0.12% 0.13% -0.01% $267K
JPM 0.09% 0.09% -0.01% $190K
LOW 0.11% 0.11% -0.01% $227K

Sector Allocation Over Time

Industry Breakdown

IndustryWeight
Financial Services 99.2%
Healthcare 0.6%
Communication Services 0.1%
Technology 0.1%
Basic Materials 0.0%

Market Cap Concentration

TierHoldingsValueWeight
Mega Cap 31 $7M 3.2%
Large Cap 104 $149M 69.7%
Mid Cap 36 $42M 19.8%
Small Cap 11 $11M 5.1%
Micro Cap 4 $5M 2.2%

Portfolio Analytics

Avg Market Cap
$199.2B
Median Market Cap
$50.3B
Avg P/E
28.4
Median P/E
25.3
Avg Dividend Yield
0.02%
Avg Beta
0.90
# Stocks
116
# ETFs / Funds
70

Top Holdings (186 total)

# Symbol % Port Shares Value Avg Price Q/Q Value Chg Share Chg Chg % Status
1 AGG 16.01% 342,999 $34M $99.88 -$7M -66,288 -16.2%
2 SCHD 13.95% 1,088,202 $30M $27.43 $3M +108,400 +11.1%
3 SCHF 9.03% 804,318 $19M $24.04 $2M +60,537 +8.1%
4 BSV 7.11% 193,008 $15M $78.81 $1M +15,630 +8.8%
5 SWMCX 5.83% 866,702 $12M $14.39 -$1M -62,837 -6.8%
6 VMBS 5.54% 252,033 $12M $47.08 +252,033 NEW
7 IJR 5.20% 92,618 $11M $120.18 -$312K -3,678 -3.8%
8 SUSA 4.30% 66,030 $9M $139.34 $218K -192 -0.3%
9 JAAA 4.06% 171,732 $9M $50.58 $2M +48,368 +39.2%
10 EAGG 2.99% 133,860 $6M $47.85 -$2M -37,353 -21.8%
11 VBIL 2.67% 75,648 $6M $75.43 $3M +33,829 +80.9%
12 IEMG 2.27% 72,136 $5M $67.22 $1M +20,087 +38.6%
13 XHLF 1.95% 82,929 $4M $50.25 $2M +46,525 +127.8%
14 XONE 1.81% 78,369 $4M $49.53 $876K +17,829 +29.4%
15 ESML 1.54% 71,501 $3M $45.98 $13K -1,134 -1.6%
16 SNPD 1.43% 113,849 $3M $26.87 -$33K -1,095 -0.9%
17 ESGD 1.28% 28,827 $3M $95.09 $77K +169 +0.6%
18 ISTB 1.26% 55,343 $3M $48.75 -$6K -27 -0.1%
19 VGSH 0.73% 26,437 $2M $58.73 $55K +988 +3.9%
20 NUDV 0.69% 49,798 $1M $29.81 $245K +7,225 +17.0%
21 SUSB 0.65% 55,448 $1M $25.24 $52K +2,224 +4.2%
22 SPYX 0.54% 20,586 $1M $56.19 -$9K -675 -3.2%
23 BND 0.52% 14,890 $1M $74.07 $62K +899 +6.4%
24 LLY 0.44% 868 $933K $1,074.93 $217K -70 -7.5%
25 VTI 0.38% 2,440 $818K $335.22 $19K +5 +0.2%
26 ESGE 0.34% 16,338 $722K $44.17 -$11K -534 -3.2%
27 USXF 0.33% 12,133 $699K $57.58 $27K +410 +3.5%
28 SCHR 0.24% 20,246 $508K $25.08 $6K +261 +1.3%
29 GOOG 0.23% 1,590 $499K $313.80 -$33K -594 -27.2%
30 IUSV 0.18% 3,657 $375K $102.53 +3,657 NEW
31 EFAX 0.17% 7,035 $355K $50.46 $14K +128 +1.9%
32 EXAS 0.16% 3,345 $340K $101.56 +3,345 NEW
33 MSFT 0.15% 674 $326K $483.77 -$108K -164 -19.6%
34 AMZN 0.15% 1,366 $315K $230.82 -$148K -745 -35.3%
35 VGT 0.14% 385 $290K $754.54 +385 NEW
36 TXN 0.12% 1,538 $267K $173.49 -$75K -321 -17.3%
37 VT 0.12% 1,799 $254K $141.08 $8K +14 +0.8%
38 VTIP 0.12% 5,123 $253K $49.46 $5K +218 +4.4%
39 JNJ 0.12% 1,204 $249K $206.95 $9K -92 -7.1%
40 VEU 0.11% 3,256 $239K $73.55 $11K +55 +1.7%
41 NEE 0.11% 2,964 $238K $80.28 -$4K -238 -7.4%
42 HON 0.11% 1,198 $234K $195.09 +1,198 NEW
43 ADI 0.11% 850 $231K $271.20 $18K -15 -1.7%
44 IGSB 0.11% 4,292 $227K $52.88 -$42K -772 -15.2%
45 LOW 0.11% 941 $227K $241.16 -$59K -196 -17.2%
46 BLK 0.10% 200 $214K $1,070.34 -$37K -15 -7.0%
47 SMH 0.10% 584 $210K $359.98 +584 NEW
48 XOM 0.10% 1,701 $205K $120.34 +1,701 NEW
49 CVX 0.10% 1,340 $204K $152.41 +1,340 NEW
50 CME 0.09% 718 $196K $273.08 +718 NEW
51 JPM 0.09% 589 $190K $322.22 -$52K -178 -23.2%
52 HD 0.08% 522 $180K $344.10 -$47K -37 -6.6%
53 TEL 0.08% 769 $175K $227.51 +769 NEW
54 MS 0.08% 941 $167K $177.53 -$46K -397 -29.7%
55 ACGL 0.08% 1,687 $162K $95.92 -$131K -1,537 -47.7%
56 UNP 0.07% 693 $160K $231.32 +693 NEW
57 ABBV 0.07% 693 $158K $228.49 +693 NEW
58 MDT 0.07% 1,605 $154K $96.06 +1,605 NEW
59 BAC 0.07% 2,671 $147K $55.00 +2,671 NEW
60 ADP 0.07% 563 $145K $257.23 +563 NEW
61 ITW 0.07% 583 $144K $246.30 +583 NEW
62 V 0.06% 394 $138K $350.71 +394 NEW
63 DHR 0.06% 602 $138K $228.92 +602 NEW
64 ORCL 0.06% 706 $138K $194.99 -$119K -206 -22.6%
65 XLY 0.06% 1,136 $136K $119.43 +1,136 NEW
66 ABT 0.06% 1,073 $134K $125.29 +1,073 NEW
67 MMC 0.06% 724 $134K $185.52 +724 NEW
68 MCD 0.06% 435 $133K $305.63 +435 NEW
69 KEYS 0.06% 653 $133K $203.19 +653 NEW
70 ERBIX 0.06% 7,285 $132K $18.16 +7,285 NEW
71 QCOM 0.06% 761 $130K $171.05 +761 NEW
72 XLC 0.06% 1,086 $128K $117.77 +1,086 NEW
73 PG 0.06% 885 $127K $143.31 +885 NEW
74 DGRO 0.06% 1,807 $125K $69.40 +1,807 NEW
75 EOG 0.06% 1,139 $120K $105.01 +1,139 NEW
76 FERG 0.05% 528 $118K $222.63 +528 NEW
77 VNQ 0.05% 1,320 $117K $88.52 +1,320 NEW
78 PH 0.05% 131 $115K $878.96 +131 NEW
79 ROST 0.05% 632 $114K $180.14 +632 NEW
80 DE 0.05% 241 $112K $465.57 +241 NEW
81 AAPL 0.05% 412 $112K $271.86 +412 NEW
82 FAST 0.05% 2,766 $111K $40.13 +2,766 NEW
83 SPGP 0.05% 952 $108K $113.83 +952 NEW
84 PCAR 0.05% 963 $105K $109.51 +963 NEW
85 VYM 0.05% 725 $104K $143.47 +725 NEW
86 PGR 0.05% 455 $104K $227.72 +455 NEW
87 PEP 0.05% 717 $103K $143.52 +717 NEW
88 SDOG 0.05% 1,634 $99K $60.46 +1,634 NEW
89 A 0.05% 716 $97K $136.07 +716 NEW
90 JEPI 0.05% 1,696 $97K $57.24 +1,696 NEW
91 SCHW 0.05% 966 $97K $99.91 +966 NEW
92 TJX 0.04% 620 $95K $153.61 +620 NEW
93 ROK 0.04% 223 $87K $389.07 +223 NEW
94 BN 0.04% 1,870 $86K $45.89 +1,870 NEW
95 CMI 0.04% 168 $86K $510.45 +168 NEW
96 ACN 0.04% 311 $83K $268.30 +311 NEW
97 APH 0.04% 609 $82K $135.14 -$132K -1,124 -64.9%
98 HSY 0.04% 442 $80K $181.98 +442 NEW
99 XLV 0.04% 518 $80K $154.85 +518 NEW
100 APD 0.04% 316 $78K $247.02 +316 NEW

New Positions

SymbolValue% Port
VMBS $12M 5.54%
IUSV $375K 0.18%
EXAS $340K 0.16%
VGT $290K 0.14%
HON $234K 0.11%
SMH $210K 0.10%
XOM $205K 0.10%
CVX $204K 0.10%
CME $196K 0.09%
TEL $175K 0.08%
UNP $160K 0.07%
ABBV $158K 0.07%
MDT $154K 0.07%
BAC $147K 0.07%
ADP $145K 0.07%

Sold Out Positions

SymbolValue% Port
CCLFX —%
SWVXX —%
SWPPX —%
VOO —%
View SEC EDGAR Filings for eCIO, Inc. →

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For informational purposes only. Not investment advice. Data sourced from SEC filings. Privacy Terms