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VOL. XII · NO. 117Established MMXIV · George Town, Grand CaymanAtlantic Edition · $4.50

The Cayman Journal

Finance · Business · Technology · Caribbean & Global Affairs
13F COMBINATION REPORT

Human Investing LLC

Quarter ended Q4 2024 · Filed January 31, 2025 · Accession 0001767513-25-000001

Total Value
$563.9M
Positions
357
Other Managers
1
Confidential Omitted
No
View on SEC.gov

Holdings (357)

#IssuerTicker / CUSIPSharesValue% of Filing
1VANGUARD INDEX FDS922908363269,669$145.3M25.77%
2VANGUARD TAX-MANAGED FDS9219438581,078,696$51.6M9.15%
3VANGUARD SPECIALIZED FUNDS921908844153,018$30.0M5.31%
4VANGUARD WHITEHALL FDS921946406234,076$29.9M5.30%
5ISHARES TR464287507460,418$28.7M5.09%
6VANGUARD BD INDEX FDS921937827345,298$26.7M4.73%
7VANGUARD CHARLOTTE FDS92203J407458,012$22.5M3.98%
8ISHARES TR46428720038,109$22.4M3.98%
9ISHARES TR464287804131,875$15.2M2.69%
10VANGUARD BD INDEX FDS921937819193,431$14.5M2.56%
11VANGUARD INTL EQUITY INDEX F922042858318,216$14.0M2.49%
12VANGUARD SCOTTSDALE FDS92206C102234,497$13.6M2.42%
13VANGUARD WORLD FD921910733125,032$13.1M2.33%
14VANGUARD WHITEHALL FDS921946794160,091$10.9M1.93%
15VANGUARD WHITEHALL FDS921946810129,412$10.4M1.84%
16VANGUARD INDEX FDS92290836313,117$7.1M1.25%
17BROADCOM INCAVGO27,391$6.4M1.13%
18VANGUARD INDEX FDS92290876920,996$6.1M1.08%
19VANGUARD INDEX FDS92290855350,320$4.5M0.79%
20VANGUARD BD INDEX FDS92193783559,243$4.3M0.76%
21APPLE INCAAPL16,180$4.1M0.72%
22VANGUARD WORLD FD92191072566,470$3.8M0.67%
23VANGUARD WORLD FD92191069150,609$3.1M0.56%
24MICROSOFT CORPMSFT7,190$3.0M0.54%
25VANGUARD INDEX FDS92290863710,631$2.9M0.51%
26VANGUARD SCOTTSDALE FDS92206C70643,812$2.5M0.45%
27ABBVIE INCABBV13,425$2.4M0.42%
28VANGUARD TAX-MANAGED FDS92194385849,322$2.4M0.42%
29BLOCK H & R INCBSQKZ41,939$2.2M0.39%
30VANGUARD BD INDEX FDS92193782726,053$2.0M0.36%
31NOVO-NORDISK A SNONOF22,006$1.9M0.34%
32ELI LILLY & COLLY2,323$1.8M0.32%
33VANGUARD CHARLOTTE FDS92203J40736,155$1.8M0.31%
34VANGUARD STAR FDS92190976829,641$1.7M0.31%
35NIKE INCNKE22,870$1.7M0.31%
36BERKSHIRE HATHAWAY INC DELBRK-A2$1.4M0.24%
37SCHWAB STRATEGIC TR80852420158,093$1.3M0.24%
38ISHARES TR46428815812,763$1.3M0.24%
39HOME DEPOT INCHD3,259$1.3M0.22%
40AMGEN INCAMGN4,707$1.2M0.22%
41ISHARES TR46428750719,226$1.2M0.21%
42VANGUARD BD INDEX FDS92193781915,231$1.1M0.20%
43VANGUARD MUN BD FDS92290774622,200$1.1M0.20%
44VANGUARD SPECIALIZED FUNDS9219088445,507$1.1M0.19%
45VANGUARD WHITEHALL FDS9219464068,429$1.1M0.19%
46ALPHABET INCGOOG5,506$1.0M0.18%
47VANGUARD WORLD FD9219107339,824$1.0M0.18%
48VANGUARD SCOTTSDALE FDS92206C10217,194$1.0M0.18%
49ISHARES TR4642871507,034$904,7500.16%
50VANGUARD BD INDEX FDS92193779313,215$904,3190.16%
51AMAZON COM INCAMZN3,897$854,9670.15%
52PAYCHEX INCPAYX5,768$808,7750.14%
53MCDONALDS CORPMCD2,615$758,1990.13%
54BERKSHIRE HATHAWAY INC DELBRK-A1,668$756,0720.13%
55QUALCOMM INCQCOM4,815$739,6040.13%
56HP INCHPQ22,292$727,3720.13%
57ISHARES TR46432F8429,033$634,8510.11%
58ISHARES TR46434V6219,989$612,7380.11%
59ISHARES TR4642878045,263$606,3780.11%
60TEXAS INSTRS INC8825081043,218$603,4640.11%
61GLOBAL X FDS37954Y8898,423$596,6850.11%
62VANGUARD INTL EQUITY INDEX F92204285813,438$591,8170.10%
63DIMENSIONAL ETF TRUST25434V70816,945$586,1280.10%
64ACCENTURE PLC IRELANDACN1,664$585,2380.10%
65INTERDIGITAL INCIDCC3,000$581,1600.10%
66INFOSYS LTDINFY25,795$565,4310.10%
67ISHARES TR46435G3268,541$550,6630.10%
68JOHNSON & JOHNSONJNJ3,692$533,8990.09%
69MERCK & CO INCMRK5,267$523,9620.09%
70ISHARES INC46434G1039,893$516,6270.09%
71SCHWAB STRATEGIC TR80852484723,893$503,1790.09%
72TESLA INCTSLA1,095$442,3470.08%
73VANGUARD INDEX FDS9229087511,779$427,4400.08%
74ABBOTT LABSABLZF3,773$426,7530.08%
75INTERNATIONAL BUSINESS MACHSINTR1,929$424,0530.08%
76PHILIP MORRIS INTL INC7181721093,485$419,4710.07%
77SPDR SER TR78468R7968,700$418,9050.07%
78AMDOCS LTDDOX4,608$392,3260.07%
79ISHARES TR46436E5698,539$386,8110.07%
80VANGUARD WHITEHALL FDS9219467945,600$380,1000.07%
81VANGUARD WHITEHALL FDS9219468104,712$376,9000.07%
82NVIDIA CORPORATIONNVDA2,796$375,4270.07%
83SPDR GOLD TRGLD1,550$375,3020.07%
84ISHARES TR46429B6633,068$344,4000.06%
85THERMO FISHER SCIENTIFIC INCTMO659$342,8320.06%
86VANGUARD WORLD FD9219107256,005$340,4750.06%
87CISCO SYS INCCSCO5,524$327,0210.06%
88ALPHABET INCGOOG1,658$315,7160.06%
89KIMBERLY-CLARK CORPKMB2,381$311,9950.06%
90PROCTER AND GAMBLE CO7427181091,806$302,7090.05%
91ORACLE CORPORCL-PD1,796$299,2920.05%
92ISHARES TR46435G5244,294$291,8210.05%
93GENERAL MLS INC3703341044,482$285,8180.05%
94ISHARES SILVER TRSLV10,636$280,0460.05%
95ISHARES TR4642877211,732$276,2890.05%
96INVESCO QQQ TRIVZ532$271,9750.05%
97STARBUCKS CORPSBUX2,941$268,3670.05%
98GILEAD SCIENCES INCGILD2,796$258,2670.05%
99UNITED PARCEL SERVICE INCUPS2,039$257,1180.05%
100EMPLOYERS HLDGS INCEIG4,948$253,4870.04%
101TRANE TECHNOLOGIES PLCTT682$251,8970.04%
102JPMORGAN CHASE & CO.VYLD1,045$250,4970.04%
103VANGUARD INDEX FDS922908637920$248,1240.04%
104EMERSON ELEC COEMR1,941$240,4990.04%
105CAPITAL ONE FINL CORP14040H1051,344$239,7320.04%
106ISHARES TR4642873092,173$220,6250.04%
107MOODYS CORPMCO461$218,0110.04%
108LOCKHEED MARTIN CORPLMT444$215,7680.04%
109CATERPILLAR INCCAT576$208,9680.04%
110VANGUARD WORLD FD9219106913,321$205,8800.04%
111FORTINET INCFTNT2,171$205,1170.04%
112ISHARES TR4642874081,060$202,3330.04%
113WASTE MGMT INC DEL94106L109995$200,7820.04%
114UNILEVER PLCUNLYF3,015$170,9510.03%
115RTX CORPORATIONRTX1,464$169,4150.03%
116VISA INCV487$154,0250.03%
117VANGUARD INDEX FDS9229085531,694$150,8860.03%
118UNITED RENTALS INCURI211$148,6370.03%
119VANGUARD INDEX FDS922908629554$146,4070.03%
120EATON CORP PLCETN421$139,8170.02%
121VANGUARD SCOTTSDALE FDS92206C7062,393$138,8110.02%
122UNITEDHEALTH GROUP INCUNH273$137,9850.02%
123VANGUARD WORLD FD92204A702214$133,0660.02%
124KLA CORPKLAC193$121,6140.02%
125SCHWAB STRATEGIC TR8085248056,549$121,1570.02%
126NETFLIX INCNFLX135$120,3290.02%
127MCKESSON CORPMCK201$114,5900.02%
128MASTERCARD INCORPORATEDMA213$112,3210.02%
129NETAPP INCNTAP923$107,1430.02%
130PUBLIC SVC ENTERPRISE GRP IN7445731061,176$99,3610.02%
131VERIZON COMMUNICATIONS INCVZ2,393$95,6970.02%
132VANGUARD INTL EQUITY INDEX F9220428741,463$92,8570.02%
133UNION PAC CORPUNP403$91,9010.02%
134SELECT SECTOR SPDR TR81369Y803394$91,6130.02%
135PNC FINL SVCS GROUP INC693475105449$86,6770.02%
136ISHARES TR46435U5491,839$85,4010.02%
137PFIZER INCPFE3,200$84,8970.02%
138MARRIOTT INTL INC NEW571903202294$82,0090.01%
139SCHWAB CHARLES CORPSCHW-PJ1,096$81,1150.01%
140VANGUARD SCOTTSDALE FDS92206C730302$80,5500.01%
141SPROUTS FMRS MKT INC85208M102633$80,4360.01%
142TRACTOR SUPPLY COTSCO1,435$76,1420.01%
143LOWES COS INC548661107303$74,7440.01%
144MORGAN STANLEYMS-PQ589$74,0620.01%
145TARGET CORPTGT545$73,6090.01%
146ROYAL GOLD INCRGLD550$72,5180.01%
147STRYKER CORPORATIONSYK201$72,3710.01%
148LULULEMON ATHLETICA INCLULU180$68,8340.01%
149WALMART INCWMT733$66,2270.01%
150ISHARES TR46436E5691,458$66,0530.01%
151SPDR SER TR78464A5081,282$65,5620.01%
152VANGUARD INTL EQUITY INDEX F9220427751,104$63,3810.01%
153PROGRESSIVE CORP743315103262$62,7910.01%
154PALO ALTO NETWORKS INCPANW340$61,9470.01%
155REGENERON PHARMACEUTICALSREGN86$61,2960.01%
156WILLIAMS SONOMA INCWSM302$55,9980.01%
157US BANCORP DELUSB-PS1,131$54,1130.01%
158ISHARES TR464288802435$52,8920.01%
159WEC ENERGY GROUP INCWEC550$51,7220.01%
160LEIDOS HOLDINGS INCLDOS358$51,5890.01%
161VANGUARD INDEX FDS922908595183$51,2510.01%
162LOEWS CORPL600$50,8140.01%
163WISDOMTREE TRWT650$50,5640.01%
164SEAGATE TECHNOLOGY HLDNGS PLSE560$48,3270.01%
165WISDOMTREE TRWT1,193$48,3050.01%
166PPG INDS INC693506107400$47,7800.01%
167UBER TECHNOLOGIES INCUBER743$44,8180.01%
168M & T BK CORP55261F104234$43,9950.01%
169ULTRAGENYX PHARMACEUTICAL INRARE1,000$42,0700.01%
170SCHWAB STRATEGIC TR8085241021,830$41,5410.01%
171TAIWAN SEMICONDUCTOR MFG LTD874039100208$41,0780.01%
172WISDOMTREE TRWT370$40,8080.01%
173NATURAL GROCERS BY VITAMIN CNGVC1,002$39,8000.01%
174LABCORP HOLDINGS INCLH169$38,7560.01%
175SPDR SER TR78468R531684$38,6290.01%
176PEPSICO INCPEP254$38,6240.01%
177CHUBB LIMITEDCB132$36,4720.01%
178SCHWAB STRATEGIC TR8085247971,191$32,5390.01%
179SPDR SER TR78464A805443$31,6380.01%
180SHELL PLCRYDAF500$31,3250.01%
181STERIS PLCSTE152$31,2460.01%
182SEMPRASREA351$30,7900.01%
183PHILLIPS 66PSX264$30,0780.01%
184S&P GLOBAL INCSPGI60$29,9900.01%
185SCHWAB STRATEGIC TR8085247061,078$28,7080.01%
186SCHWAB STRATEGIC TR8085243001,025$28,5790.01%
187VANGUARD INDEX FDS92290873668$27,9100.00%
188PACER FDS TR69374H881478$26,9980.00%
189BLOCK INCBSQKZ313$26,6020.00%
190SELECT SECTOR SPDR TR81369Y209192$26,4140.00%
191SUN LIFE FINANCIAL INC.SUNFF440$26,1100.00%
192MERCADOLIBRE INCMELI15$25,5070.00%
193NOVARTIS AGNVSEF262$25,4960.00%
194MOTOROLA SOLUTIONS INCMSI53$24,4990.00%
195VANGUARD INDEX FDS92290876984$24,4560.00%
196ISHARES TR46432F834366$24,2190.00%
197ISHARES S&P GSCI COMMODITY-ISMCF1,100$23,9470.00%
198VANGUARD WORLD FD92204A405202$23,8510.00%
199ONEMAIN HLDGS INCOMF450$23,4590.00%
200SAP SESAPGF94$23,1440.00%
201CRH PLCCRH239$22,1130.00%
202MONDELEZ INTL INC609207105366$21,8620.00%
203VANGUARD WHITEHALL FDS921946885341$21,5260.00%
204SOUTHWEST AIRLS CO844741108630$21,1810.00%
205ISHARES INC46434G103390$20,3880.00%
206MICRON TECHNOLOGY INCMU230$19,3570.00%
207VIATRIS INCVTRS1,554$19,3480.00%
208STATE STR CORPSTT-PG191$18,7470.00%
209SYSCO CORPSYY245$18,7330.00%
210ISHARES BITCOIN TRUST ETFIBIT352$18,6740.00%
211SELECT SECTOR SPDR TR81369Y506210$17,9890.00%
212ISHARES TR46435G326277$17,8660.00%
213NUTRIEN LTDNTR390$17,4530.00%
214VANGUARD SCOTTSDALE FDS92206C664188$16,7950.00%
215LINDE PLCLIN38$16,0560.00%
216SUMITOMO MITSUI FINL GROUP I86562M2091,100$15,9390.00%
217SCHWAB STRATEGIC TR808524771648$15,3450.00%
218YUM BRANDS INCYUM110$14,7580.00%
219STEEL DYNAMICS INCSTLD128$14,6010.00%
220MITSUBISHI UFJ FINL GROUP IN6068221041,200$14,0640.00%
221VANGUARD SCOTTSDALE FDS92206C847250$13,8410.00%
222POLARIS INCPII239$13,7720.00%
223MAIN STR CAP CORP56035L104235$13,7670.00%
224TYSON FOODS INCTSN230$13,2120.00%
225ROBLOX CORPRBLX222$12,8450.00%
226NUCOR CORPNUE109$12,7220.00%
227TREACE MED CONCEPTS INC89455T1091,671$12,4330.00%
228ISHARES TR464288497223$11,9650.00%
229TYLER TECHNOLOGIES INCTYL20$11,5330.00%
230ISHARES TR464288877217$11,3860.00%
231ROSS STORES INCROST73$11,0430.00%
232NLIGHT INCLASR1,000$10,4900.00%
233TRANSUNIONTRU113$10,4770.00%
234WEST PHARMACEUTICAL SVSC INC95530610530$9,8270.00%
235SCHWAB STRATEGIC TR808524730329$9,5580.00%
236SCHWAB STRATEGIC TR808524763312$9,2670.00%
237MANULIFE FINL CORP56501R106300$9,2130.00%
2383M COMMM69$8,9410.00%
239PUBLIC STORAGE OPER COPSA-PS28$8,3850.00%
240MARVELL TECHNOLOGY INCMRVL73$8,1080.00%
241NEXTERA ENERGY INCNEE-PW108$7,7430.00%
242MIMEDX GROUP INCMDXG800$7,6960.00%
243MARSH & MCLENNAN COS INC57174810236$7,6470.00%
244ARCH CAP GROUP LTDG0450A10582$7,5730.00%
245LYONDELLBASELL INDUSTRIES NLYB100$7,4270.00%
246SCHWAB STRATEGIC TR808524755220$7,3070.00%
247J P MORGAN EXCHANGE TRADED F46641Q878150$6,9080.00%
248T-MOBILE US INCTMUSZ28$6,2470.00%
249ASML HOLDING N VASMLF8$5,6840.00%
250VISTRA CORPVST40$5,5150.00%
251KENVUE INCKVUE240$5,1240.00%
252SCHWAB STRATEGIC TR808524201214$4,9530.00%
253YUM CHINA HLDGS INCYUMC100$4,8170.00%
254SCHWAB STRATEGIC TR808524748139$4,7460.00%
255SERVICENOW INCNOW4$4,4720.00%
256NORTHWEST NAT HLDG CO66765N105113$4,4710.00%
257NORFOLK SOUTHN CORP65584410819$4,4600.00%
258WISDOMTREE TRWT57$4,3250.00%
259PACCAR INCPCAR41$4,2650.00%
260MONSTER BEVERAGE CORP NEWMNST80$4,2050.00%
261TRAVELERS COMPANIES INCTRV17$4,0960.00%
262VERTEX PHARMACEUTICALS INCVRTX10$4,0270.00%
263MOELIS & COMC54$3,9900.00%
264TAPESTRY INCTPR59$3,8290.00%
265TKO GROUP HOLDINGS INCTKO27$3,8050.00%
266SERVICE CORP INTL81756510447$3,7520.00%
267SCHWAB STRATEGIC TR808524888108$3,7080.00%
268J P MORGAN EXCHANGE TRADED F46641Q33263$3,6250.00%
269KRAFT HEINZ COKHC112$3,4400.00%
270LIBERTY MEDIA CORP DELFWONB34$3,1510.00%
271MGIC INVT CORP WIS552848103131$3,0960.00%
272WESTERN UN COWU286$3,0320.00%
273WATERS CORP9418481038$2,9680.00%
274WILLAMETTE VY VINEYARD INC969136100800$2,6800.00%
275KROGER COKR43$2,6090.00%
276US FOODS HLDG CORPUSFD38$2,5880.00%
277KKR & CO INCKKRT17$2,5150.00%
278TE CONNECTIVITY PLCTEL17$2,4310.00%
279SPDR SER TR78464A391124$2,4150.00%
280SUNCOR ENERGY INC NEWSU67$2,3910.00%
281SALESFORCE INCCRM7$2,3440.00%
282TELEDYNE TECHNOLOGIES INCTDY5$2,3210.00%
283OWENS CORNING NEWOC14$2,3170.00%
284ZIMMER BIOMET HOLDINGS INCZBH21$2,2190.00%
285TJX COS INC NEW87254010918$2,1750.00%
286VANECK ETF TRUST92189F79150$2,1380.00%
287RB GLOBAL INCRBA23$2,0950.00%
288WELLTOWER INCWELL16$2,0170.00%
289JOHN HANCOCK EXCHANGE TRADED47804J20632$1,9120.00%
290VANGUARD INDEX FDS9229087518$1,9080.00%
291QUANTA SVCS INC74762E1026$1,8970.00%
292JOHNSON CTLS INTL PLCG5150210524$1,8950.00%
293NORTHROP GRUMMAN CORPNOC4$1,8780.00%
294MICROCHIP TECHNOLOGY INC.MCHPP31$1,7780.00%
295NORDSTROM INC65566410072$1,7390.00%
296L3HARRIS TECHNOLOGIES INCLHX8$1,6830.00%
297MURPHY USA INCMUSA3$1,5060.00%
298SOUTHERN COSOMN18$1,4820.00%
299WELLS FARGO CO NEW94974610121$1,4760.00%
300ALCON AGALC17$1,4440.00%
301XENIA HOTELS & RESORTS INCXHR93$1,3820.00%
302TOYOTA MOTOR CORPTOYOF7$1,3630.00%
303SNAP ON INCSNA4$1,3580.00%
304MEDTRONIC PLCMDT17$1,3580.00%
305JUNIPER NETWORKS INC48203R10436$1,3490.00%
306VULCAN MATLS CO9291601095$1,2870.00%
307WEYERHAEUSER CO MTN BEWY45$1,2670.00%
308ISHARES TR4642871509$1,1950.00%
309TOTALENERGIES SETTE21$1,1450.00%
310J P MORGAN EXCHANGE TRADED F46641Q73812$1,1240.00%
311SOLVENTUM CORPSOLV17$1,1240.00%
312VALERO ENERGY CORPVLO9$1,1040.00%
313TEVA PHARMACEUTICAL INDS LTD88162420950$1,1020.00%
314VANECK ETF TRUST92189F10632$1,0860.00%
315REGIONS FINANCIAL CORP NEWRF-PF46$1,0820.00%
316UNITED AIRLS HLDGS INCUNTCW11$1,0690.00%
317SONY GROUP CORPSNEJF50$1,0580.00%
318TEGNA INC87901J10556$1,0250.00%
319KINDER MORGAN INC DELEP-PC37$1,0140.00%
320ROYAL BK CDA7800871028$9650.00%
321SUPER MICRO COMPUTER INCSMCI30$9150.00%
322SPDR SER TR78468R72119$8690.00%
323WHEATON PRECIOUS METALS CORPWPM15$8440.00%
324MKS INSTRS INCMKSI8$8360.00%
325GARMIN LTDGRMN4$8260.00%
326ZOETIS INCZTS5$8150.00%
327OMNICOM GROUP INCOMC9$7750.00%
328ROBERT HALF INC.RHI10$7050.00%
329TORONTO DOMINION BK ONTTORO13$6930.00%
330VANGUARD BD INDEX FDS9219378359$6670.00%
331LENNAR CORPLEN-B5$6610.00%
332NUSHARES ETF TRNU21$6100.00%
333ISHARES TR4642886536$5980.00%
334MONOLITHIC PWR SYS INC6098391051$5920.00%
335ISHARES TR46434V61313$5880.00%
336KYNDRYL HLDGS INCKD16$5540.00%
337ICL GROUP LTDICL105$5210.00%
338SYNCHRONY FINANCIALSYF-PB7$4550.00%
339MASCO CORPMAS6$4360.00%
340THE TRADE DESK INC88339J1054$4140.00%
341MANCHESTER UTD PLC NEWG5784H10620$3470.00%
342NUSHARES ETF TRNU11$3310.00%
343MATCH GROUP INC NEWMTCH10$3280.00%
344PINTEREST INCPINS11$3190.00%
345METLIFE INCMET-PF3$2460.00%
346PROLOGIS INC.PLDGP2$2120.00%
347SPDR SER TR78468R6484$2040.00%
348SCHLUMBERGER LTDSLB5$1920.00%
349LYFT INCLYFT14$1810.00%
350NUVEEN QUALITY MUNCP INCOMENU14$1640.00%
351SPDR SER TR78468R7883$1300.00%
352OCCIDENTAL PETE CORP6745991052$990.00%
353WARNER BROS DISCOVERY INCWBD9$960.00%
354LIBERTY MEDIA CORP DELFWONB1$890.00%
355ZIMVIE INC98888T1072$280.00%
356SCHWAB STRATEGIC TR8085248471$110.00%
357PELOTON INTERACTIVE INCPTON1$90.00%