World Investment Advisors
In its 13F for Q1 2025 (holdings as of March 31, 2025, filed April 29, 2025), World Investment Advisors reported 1,044 stock positions worth $3.8 billion. Its top holding was Apple (AAPL) at 3.6% of the portfolio, followed by Vanguard S&P 500 ETF (VOO, 3.0%) and Ste STR SPDR PT S&P 500 ETF (SPYM, 2.1%). Compared with Q4 2024, it opened 119 new positions, sold out of 71, added to 567 and reduced 304. The biggest buy was Ste STR SPDR PT S&P 500 ETF (SPYM, shares +399%) and the biggest sale Wisdomtree U.S. Quality Divi (DGRW, shares −82%).
- Most Recent 13F
- Q2 2026
- Location
- LINCROFT, NJ
- CIK
- 0001652594
- Portfolio Value
- $3.8B (Q1 2025)
- SEC Filing
- 0001062993-25-008161 ↗ filed Apr 29, 2025
Holdings Value
Holdings 1,044 stocks · $3.8B
| AAPL Apple Inc. | 3.56% | 615,532 | $136.7M | Add +1.6% |
| VOO Vanguard S&P 500 ETF | 3.02% | 225,575 | $115.9M | Reduce -5.4% |
| SPYM Ste STR SPDR PT S&P 500 ETF | 2.10% | 1,230,069 | $80.9M | Add +399.2% |
| MSFT Microsoft Corp. | 1.84% | 188,169 | $70.6M | Add +4.6% |
| BSV Vanguard Short-Term Bond ETF | 1.72% | 845,784 | $66.2M | Add +145.3% |
| CHD Church & Dwight Co. Inc. | 1.60% | 557,496 | $61.4M | Add +0.0% |
| JPM JPMorgan Chase & Co. | 1.33% | 208,155 | $51.1M | Add +3.9% |
| AMZN Amazon.com Inc. | 1.27% | 255,710 | $48.7M | Add +5.0% |
| SLQD iShares 0-5 YR Inv GRD Corp. | 1.14% | 869,939 | $43.7M | Add +3.9% |
| META Meta Platforms Inc. Class A | 1.13% | 75,220 | $43.4M | Add +3.3% |
| BIV Vanguard Intermediate-Term B | 1.07% | 535,493 | $41.0M | Add +286.7% |
| IVE iShares S&P 500 Value ETF | 1.05% | 212,043 | $40.4M | Add +2427.9% |
| V Visa Inc. Class A | 0.95% | 104,047 | $36.5M | Add +5.2% |
| GOOGL Alphabet Inc. Class A | 0.92% | 227,660 | $35.2M | Add +3.5% |
| IVW iShares S&P 500 Growth ETF | 0.88% | 363,967 | $33.8M | Reduce -38.1% |
| STIP iShares 0-5 Year Tips Bond E | 0.83% | 308,537 | $31.9M | New |
| IEFA iShares Core MSCI Eafe ETF | 0.78% | 394,744 | $29.9M | Add +44.2% |
| SCHV Schwab US Large-Cap Value | 0.76% | 1,102,992 | $29.3M | Add +1943.4% |
| NVDA Nvidia Corp. | 0.75% | 266,136 | $28.8M | Add +5.2% |
| QQQ Invesco QQQ Trust Series 1 | 0.74% | 60,879 | $28.5M | Reduce -6.8% |
| IXUS iShares Core Intl Stock ETF | 0.74% | 406,533 | $28.4M | Add +29.1% |
| AVUS Avantis U.S. Equity ETF | 0.72% | 300,727 | $27.8M | Add +10.1% |
| IVV iShares Core S&P 500 ETF | 0.70% | 47,924 | $26.9M | Add +4.9% |
| BRK.B Berkshire Hathaway Inc. Class B | 0.70% | 50,208 | $26.7M | Add +7.7% |
| IJJ iShares S&P Mid-Cap 400 Valu | 0.69% | 222,382 | $26.6M | Add +3213.7% |
| AVGO Broadcom Inc. | 0.69% | 158,084 | $26.5M | Add +2.9% |
| AGG iShares Core U.S. Aggregate | 0.68% | 266,010 | $26.3M | Reduce -35.6% |
| GOOG Alphabet Inc. Class C | 0.66% | 163,363 | $25.5M | Add +1.8% |
| WMT Walmart Inc. | 0.65% | 285,291 | $25.0M | Add +5.1% |
| UNH Unitedhealth Group Inc. | 0.64% | 47,312 | $24.8M | Add +5.6% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.62% | 42,756 | $23.9M | Add +1.2% |
| IJR iShares Core S&P Small-Cap E | 0.61% | 225,894 | $23.6M | Reduce -0.4% |
| SMMD iShares Russell 2500 ETF | 0.56% | 343,986 | $21.5M | Reduce -0.3% |
| HD Home Depot Inc. | 0.55% | 57,580 | $21.1M | Add +1.0% |
| VOE Vngrd Mrngstr MD-Cap Val ETF | 0.54% | 128,660 | $20.7M | Add +1405.5% |
| EMXC iShares MSCI Emr MRK Ex Chna | 0.54% | 374,473 | $20.6M | Add +696.8% |
| COST Costco Wholesale Corp. | 0.52% | 21,232 | $20.1M | Add +50.0% |
| VEA Vanguard Ftse Developed ETF | 0.52% | 393,551 | $20.0M | Reduce -1.0% |
| IJS iShares S&P Small-Cap 600 Va | 0.49% | 193,510 | $18.9M | Add +2763.8% |
| XOM Exxon Mobil Corp. | 0.49% | 157,375 | $18.7M | Add +5.9% |
| VTI VG Morningstar TS MKT ETF-US | 0.49% | 67,927 | $18.7M | Add +31.6% |
| MSI Motorola Solutions Inc. | 0.47% | 41,388 | $18.1M | Add +2.6% |
| CRM Salesforce Inc. | 0.47% | 67,137 | $18.0M | Add +7.6% |
| MUB iShares National Muni Bond E | 0.46% | 169,062 | $17.8M | Reduce -3.8% |
| DFAI Dimensional International Co. | 0.45% | 556,704 | $17.4M | New |
| FISV Fiserv Inc. | 0.42% | 72,445 | $16.0M | Add +15.1% |
| JNJ Johnson & Johnson | 0.42% | 96,431 | $16.0M | Add +1.6% |
| SCHF Schwab Intl Equity ETF | 0.41% | 794,823 | $15.7M | Add +0.5% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.40% | 81,796 | $15.2M | Add +377.1% |
| USMV iShares MSCI USA Min Vol Fac | 0.39% | 159,439 | $14.9M | Add +111.3% |
| LLY Eli Lilly & Co. | 0.38% | 17,756 | $14.7M | Add +7.1% |
| ETN Eaton Corp. PLC | 0.36% | 51,423 | $14.0M | Reduce -0.7% |
| ABBV Abbvie Inc. | 0.36% | 66,248 | $13.9M | Add +2.7% |
| IEF iShares 7-10 Year Treasury B | 0.36% | 144,449 | $13.8M | Add +328.9% |
| MDT Medtronic PLC | 0.36% | 153,239 | $13.8M | Add +8.7% |
| SCHO Schwab Short-Term US Treas | 0.36% | 561,180 | $13.7M | Reduce -16.6% |
| TT Trane Technologies PLC | 0.35% | 39,880 | $13.4M | Add +3.1% |
| AVDE Avantis International Equity | 0.34% | 197,825 | $13.1M | Add +14.9% |
| SCHG Schwab US Large-Cap Growth | 0.34% | 521,462 | $13.1M | Reduce -56.1% |
| MRK Merck & Co. Inc. | 0.34% | 144,250 | $12.9M | Add +4.9% |
| SCHW Schwab (charles) Corp. | 0.33% | 163,007 | $12.8M | Add +7.6% |
| MA Mastercard Inc. Class A | 0.32% | 22,563 | $12.4M | Add +6.0% |
| APD Air Products & Chemicals Inc. | 0.32% | 41,571 | $12.3M | Add +0.7% |
| JAAA Janus Henderson Aaa Clo ETF | 0.32% | 241,273 | $12.2M | Add +81.0% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.32% | 47,046 | $12.2M | Reduce -55.1% |
| IAU iShares Gold Trust | 0.32% | 206,232 | $12.2M | Add +84.8% |
| SUSA iShares ESG Optimized MSCI U | 0.31% | 105,136 | $12.1M | Reduce -43.6% |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | 0.31% | 442,269 | $12.1M | Add +699.9% |
| BKNG Booking Holdings Inc. | 0.31% | 2,604 | $12.0M | Add +6.6% |
| IQV Iqvia Holdings Inc. | 0.31% | 66,807 | $11.8M | Add +11.4% |
| PEP Pepsico Inc. | 0.30% | 77,905 | $11.7M | Add +5.5% |
| PRF Invesco Rafi US 1000 ETF | 0.30% | 286,345 | $11.6M | Add +0.7% |
| IUSB Ishr CR Unvrse Usd BD ETF-Ui | 0.30% | 248,330 | $11.4M | Add +17.6% |
| JEPI JPMorgan Equity Premium Inco | 0.29% | 196,699 | $11.2M | Add +11.2% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.29% | 92,082 | $11.2M | Add +4.7% |
| PM Philip Morris International | 0.29% | 70,621 | $11.2M | Add +8.7% |
| FBND Fidelity Total Bond ETF | 0.29% | 245,023 | $11.2M | Add +7.9% |
| CVX Chevron Corp. | 0.29% | 66,032 | $11.0M | Add +2.5% |
| SDY SS SPDR S&P Dividend ETF | 0.29% | 81,292 | $11.0M | Reduce -1.4% |
| CB Chubb Ltd. | 0.29% | 36,448 | $11.0M | Add +5.8% |
| VZ Verizon Communications Inc. | 0.28% | 238,900 | $10.8M | Add +6.4% |
| DGRW Wisdomtree U.S. Quality Divi | 0.28% | 134,993 | $10.8M | Reduce -81.8% |
| FDVV Fidelity High Dividend ETF | 0.28% | 217,011 | $10.8M | Add +3.7% |
| BX Blackstone Inc. | 0.27% | 73,901 | $10.3M | Add +1.5% |
| ELV Elevance Health Inc. | 0.27% | 23,446 | $10.2M | Add +14.2% |
| IGIB iShares 5-10Y Inv Grade Corp. | 0.26% | 193,683 | $10.2M | Reduce -24.9% |
| CMCSA Comcast Corp. Class A | 0.26% | 275,439 | $10.2M | Add +6.6% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.26% | 45,831 | $10.2M | Add +25.7% |
| ADI Analog Devices Inc. | 0.26% | 50,240 | $10.1M | Add +6.1% |
| CME Cme Group Inc. | 0.26% | 37,776 | $10.0M | Add +1.9% |
| SPGI S&P Global Inc. | 0.26% | 19,618 | $10.0M | Add +5.7% |
| CSCO Cisco Systems Inc. | 0.26% | 160,403 | $9.9M | Add +2.9% |
| CVIE Cal Intl Responsible Index | 0.25% | 167,589 | $9.7M | New |
| EFV iShares MSCI Eafe Value ETF | 0.25% | 162,956 | $9.6M | Add +331.6% |
| TSM Taiwan Semiconductor-SP ADR | 0.25% | 57,782 | $9.6M | Add +9.9% |
| NOW ServiceNow Inc. | 0.25% | 11,962 | $9.5M | Add +77.2% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.24% | 119,246 | $9.4M | Add +7.7% |
| LRGF iShares US Equity Factor ETF | 0.24% | 161,673 | $9.4M | Add +0.4% |
| AVDV Avantis Intl S/C Value ETF | 0.24% | 133,604 | $9.3M | New |
| GTO Invesco Total Return Bond Et | 0.24% | 197,464 | $9.3M | Add +4.8% |
Options reported separately and not counted above: SPY calls ($6.0M), SPY puts ($2.6M), QQQ puts ($281K), TLRY calls ($3K).
Other holdings (2): bonds, preferreds, convertibles and warrants · $3K (not counted above)
| Security | Class | Shares / Principal | Value | Change |
|---|---|---|---|---|
| NEXTPLAT CORP | *W EXP 06/02/202 | 10,000 | $2K | No change |
| BTBDW BT Brands Inc. -CW26 | *W EXP 11/12/202 | 10,000 | $402 | No change |
Total filed on the 13F, all lines: $3.8B.
Portfolio Sells Q4 2024 → Q1 2025
| DGRW Wisdomtree U.S. Quality Divi | Reduce -81.8% | 0.28% | −1.36 |
| FLQL Franklin U.S. Large Cap Mult | Reduce -87.5% | 0.14% | −1.12 |
| IJK iShares S&P Mid-Cap 400 Grow | Reduce -91.9% | 0.07% | −0.96 |
| IVW iShares S&P 500 Growth ETF | Reduce -38.1% | 0.88% | −0.76 |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | Reduce -87.3% | 0.10% | −0.73 |
| SCHG Schwab US Large-Cap Growth | Reduce -56.1% | 0.34% | −0.57 |
| VOO Vanguard S&P 500 ETF | Reduce -5.4% | 3.02% | −0.51 |
| IJT iShares S&P Small-Cap 600 GR | Reduce -88.6% | 0.05% | −0.49 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -55.1% | 0.32% | −0.44 |
| AGG iShares Core U.S. Aggregate | Reduce -35.6% | 0.68% | −0.41 |
| VBK Van Morst SML-Cap Gro-Usd Inc. | Reduce -89.2% | 0.04% | −0.40 |
| DDWM Wisdomtree DY Inter Eq FD-US | Reduce -88.7% | 0.04% | −0.31 |
| SUSA iShares ESG Optimized MSCI U | Reduce -43.6% | 0.31% | −0.31 |
| RODM Hartford Multifact Dev MRKT | Reduce -80.0% | 0.07% | −0.26 |
| SGOV iShares 0-3 Month Treasury B | Reduce -78.5% | 0.06% | −0.25 |
| DIVB iShares Core Dividend ETF | Reduce -85.4% | 0.04% | −0.24 |
| HMOP Hartford Municipal Opp ETF | Reduce -61.2% | 0.13% | −0.23 |
| IWY iShares Russell Top 200 Grow | Reduce -96.7% | 0.01% | −0.18 |
| QQQ Invesco QQQ Trust Series 1 | Reduce -6.8% | 0.74% | −0.17 |
| FVD First Trust Value Line DVD | Reduce -58.5% | 0.09% | −0.13 |
| MOAT Vaneck Morningstar Wide Moat | Reduce -71.4% | 0.04% | −0.13 |
| EZM Wisdomtree US Midcap Fund | Reduce -81.1% | 0.03% | −0.12 |
| ETN Eaton Corp. PLC | Reduce -0.7% | 0.36% | −0.11 |
| IJR iShares Core S&P Small-Cap E | Reduce -0.4% | 0.61% | −0.10 |
| XSD SS SPDR S&P Semiconductor | Reduce -93.3% | 0.01% | −0.10 |
| IGIB iShares 5-10Y Inv Grade Corp. | Reduce -24.9% | 0.26% | −0.10 |
| COWG Pacer US LRG Cap Cows GR LD | Reduce -38.8% | 0.12% | −0.10 |
| EAGG iShares ESG Aware US Aggrega | Reduce -39.3% | 0.14% | −0.10 |
| VCR Vanguard Consumer Discre ETF | Reduce -83.9% | 0.01% | −0.09 |
| PJUL Innovator U.S. Equity Power | Reduce -40.8% | 0.11% | −0.09 |
| SCHO Schwab Short-Term US Treas | Reduce -16.6% | 0.36% | −0.09 |
| ADBE Adobe Inc. | Reduce -11.8% | 0.22% | −0.09 |
| ORCL Oracle Corp. | Reduce -9.2% | 0.22% | −0.09 |
| SMMD iShares Russell 2500 ETF | Reduce -0.3% | 0.56% | −0.08 |
| VIS Vanguard Industrials ETF | Reduce -83.4% | 0.01% | −0.08 |
| XJH Ishare ESG SS S&P Midcap ETF | Reduce -41.8% | 0.08% | −0.07 |
| CMG Chipotle Mexican Grill Inc. | Reduce -4.6% | 0.20% | −0.06 |
| CVNA Carvana Co. | Reduce -88.3% | 0.01% | −0.06 |
| CDNS Cadence Design SYS Inc. | Reduce -36.8% | 0.06% | −0.06 |
| VGT Vanguard Info Tech ETF | Reduce -25.1% | 0.10% | −0.06 |
| UAPR Innovator U.S. Equity Ultra | Sold out | 0.00% | −0.06 |
| BYLD iShares Yield Optimized Bond | Sold out | 0.00% | −0.06 |
| RSP Invesco S&P 500 Equal Weight | Reduce -24.5% | 0.14% | −0.06 |
| EES Wisdomtree US Smallcap Fund | Reduce -90.2% | 0.01% | −0.06 |
| FXD First Trust Consumer Discret | Reduce -40.5% | 0.06% | −0.06 |
| IJH iShares Core S&P Midcap ETF | Reduce -14.9% | 0.17% | −0.05 |
| STXD Strive 1000 Dividend Growth | Reduce -40.4% | 0.07% | −0.05 |
| FIXD First Trust Smith Opportunis | Reduce -34.1% | 0.09% | −0.05 |
| SIVR Abrdn Physical Silver Shares | Reduce -34.3% | 0.14% | −0.05 |
| MUB iShares National Muni Bond E | Reduce -3.8% | 0.46% | −0.05 |
Portfolio Buys Q4 2024 → Q1 2025
| SPYM Ste STR SPDR PT S&P 500 ETF | Add +399.2% | 2.10% | +1.64 |
| IVE iShares S&P 500 Value ETF | Add +2427.9% | 1.05% | +1.01 |
| BSV Vanguard Short-Term Bond ETF | Add +145.3% | 1.72% | +0.99 |
| STIP iShares 0-5 Year Tips Bond E | New | 0.83% | +0.83 |
| BIV Vanguard Intermediate-Term B | Add +286.7% | 1.07% | +0.78 |
| SCHV Schwab US Large-Cap Value | Add +1943.4% | 0.76% | +0.72 |
| IJJ iShares S&P Mid-Cap 400 Valu | Add +3213.7% | 0.69% | +0.67 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Add +1405.5% | 0.54% | +0.50 |
| IJS iShares S&P Small-Cap 600 Va | Add +2763.8% | 0.49% | +0.47 |
| EMXC iShares MSCI Emr MRK Ex Chna | Add +696.8% | 0.54% | +0.47 |
| DFAI Dimensional International Co. | New | 0.45% | +0.45 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +377.1% | 0.40% | +0.30 |
| SPTL SS SPDR PF LNG TRM TSY E-Usd | Add +699.9% | 0.31% | +0.27 |
| IEF iShares 7-10 Year Treasury B | Add +328.9% | 0.36% | +0.27 |
| CVIE Cal Intl Responsible Index | New | 0.25% | +0.25 |
| IEFA iShares Core MSCI Eafe ETF | Add +44.2% | 0.78% | +0.25 |
| AVDV Avantis Intl S/C Value ETF | New | 0.24% | +0.24 |
| USMV iShares MSCI USA Min Vol Fac | Add +111.3% | 0.39% | +0.20 |
| EFV iShares MSCI Eafe Value ETF | Add +331.6% | 0.25% | +0.20 |
| IDEV iShares Core MSCI Dev MKTS | Add +3159.8% | 0.20% | +0.19 |
| IQLT iShares MSCI International Q | Add +1763.7% | 0.20% | +0.19 |
| IAUM iShares Gold Trust Micro | New | 0.18% | +0.18 |
| LVHI Franklin International Low V | New | 0.17% | +0.17 |
| IXUS iShares Core Intl Stock ETF | Add +29.1% | 0.74% | +0.17 |
| COST Costco Wholesale Corp. | Add +50.0% | 0.52% | +0.17 |
| IAU iShares Gold Trust | Add +84.8% | 0.32% | +0.16 |
| PDI PIMCO Dynamic Income Fund | New | 0.15% | +0.15 |
| BLV Vanguard Long-Term Bond ETF | Add +1721.6% | 0.15% | +0.14 |
| JAAA Janus Henderson Aaa Clo ETF | Add +81.0% | 0.32% | +0.13 |
| MINT PIMCO Enhanced Short Maturit | Add +133.5% | 0.23% | +0.13 |
| USHY iShares Broad Usd High Yield | Add +232.8% | 0.18% | +0.12 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +7.7% | 0.70% | +0.12 |
| PJAN Innovator U.S. Equity Power | Add +121.4% | 0.22% | +0.11 |
| PSLV Sprott Physical Silver Trust | New | 0.11% | +0.11 |
| VIOV Vanguard S&P Small-Cap 600 V | New | 0.10% | +0.10 |
| JPST JPMorgan Ultra-Short Income | Add +1438.3% | 0.10% | +0.09 |
| FXO First Trust Financial Alphad | Add +382.1% | 0.12% | +0.09 |
| V Visa Inc. Class A | Add +5.2% | 0.95% | +0.09 |
| SCHC Schwab Intl Small-Cap Equity | New | 0.09% | +0.09 |
| PM Philip Morris International | Add +8.7% | 0.29% | +0.08 |
| VTI VG Morningstar TS MKT ETF-US | Add +31.6% | 0.49% | +0.08 |
| VIG Vanguard Dividend Apprec ETF | Add +102.1% | 0.15% | +0.07 |
| VUSB Vanguard Ultra Short Bond Et | New | 0.07% | +0.07 |
| BINC iShares Flex I A ETF-Usd Inc. | Add +192.7% | 0.10% | +0.07 |
| FISV Fiserv Inc. | Add +15.1% | 0.42% | +0.06 |
| PHYS Sprott Physical Gold Trust | New | 0.06% | +0.06 |
| ELV Elevance Health Inc. | Add +14.2% | 0.27% | +0.06 |
| BRK.A Berkshire Hathaway Inc. Class A | Add +28.6% | 0.19% | +0.06 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Add +64.9% | 0.15% | +0.06 |
| TLH iShares 10-20 Year Treasury | Add +217.6% | 0.08% | +0.05 |
Options Activity Q4 2024 → Q1 2025
| SPY SS SPDR S&P 500 ETF Trust-US | call | Add +0.9% | 10,700 | $6.0M |
| SPY SS SPDR S&P 500 ETF Trust-US | put | Add +27.8% | 4,600 | $2.6M |
| QQQ Invesco QQQ Trust Series 1 | put | Reduce -45.5% | 600 | $281K |
| NVDA Nvidia Corp. | put | Sold out | 300 | $40Kbefore exit |
| TLRY Tilray Brands Inc. | put | Sold out | 2,000 | $3Kbefore exit |
| TLRY Tilray Brands Inc. | call | Reduce -21.6% | 4,000 | $3K |
Calls and puts are listed by the shares they cover; their value is not part of the stock holdings above.
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 1,521 | $6.0B | AAPL, VOO, MSFT, BSV, SPYM |
| Q1 2026 | 1,553 | $6.2B | AAPL, VOO, MSFT, BSV, SPYM |
| Q4 2025Amended | 1,443 | $6.1B | AAPL, VOO, MSFT, SPYM, NVDA |
| Q3 2025 | 1,224 | $4.9B | AAPL, VOO, MSFT, SPYM, IVW |
| Q2 2025 | 1,120 | $4.4B | AAPL, VOO, MSFT, SPYM, IVW |
| Q1 2025 | 1,044 | $3.8B | AAPL, VOO, SPYM, MSFT, BSV |
| Q4 2024 | 996 | $3.6B | AAPL, VOO, MSFT, DGRW, IVW |
| Q3 2024Amended | 895 | $3.2B | AAPL, VOO, MSFT, DGRW, CHD |
| Q2 2024 | 620 | $1.6B | VOO, AAPL, IVW, SCHG, SLQD |
| Q1 2024 | 394 | $698.9M | IVW, SCHG, IJK, SLQD, IJT |