etf overlap tool · nearly the same fund
ITOT vs XUU overlap
94% of ITOT and XUU is the same money, spread over 2,406 companies both funds hold.
Holdings as of October 16, 2026 · source: iShares (ITOT), iShares (XUU) · How we measured all 1,431 pairs
- same money
- same companies, extra weight
- only in this fund
XUU holds other funds, not stocks: iShares Canada publishes every security behind them, and those are the lines compared here. Its file gives a ticker and a country but no ISIN; 99.9% of its stock money was matched to one.
Hold ITOT and XUU with other funds or stocks? The free portfolio optimizer opens ITOT and XUU beside the rest of what you own: the companies you hold twice, what the funds cost a year, and where the next deposit should go. No account.
The companies you would own twice
GOOGALPHABET CLASS C2.17%1.86%
What only one of them gives you
Where each fund puts its money
ITOT and XUU: what people ask
Is XUU the same as ITOT?
Nearly: 94% of the money in ITOT and XUU sits in the same companies at the same weights, as of October 16, 2026. The other 5.7% is weight differences, plus 17 names only in ITOT and 10 only in XUU.
How much do ITOT and XUU overlap?
94% by weight, as of October 16, 2026: nearly the same fund. 2,406 companies appear in both funds; they make up 99.7% of ITOT and 99.7% of XUU.
Which stocks do ITOT and XUU both hold?
The largest shared positions are AAPL, NVDA, MSFT, AMZN and GOOGL. Ranked by the smaller of the two weights, which is the part you would own twice.
Is it redundant to hold both ITOT and XUU?
Out of every $100 split evenly between them, about $94 (half in each fund) buys identical positions. The rest is exposure only one of the two funds gives you: 17 names only in ITOT, 10 only in XUU. Half in each behaves like 57 equally weighted stocks, against 56 for ITOT alone and 59 for XUU alone. Whether that duplication is a problem depends on the mix you want; this is a description, not advice.
How is ETF overlap calculated here?
For every company held by both funds we take the smaller of its two weights and add them up. The weights come from the full holdings files iShares publish, not a top-10 sample, and companies are matched by their ISIN so share classes stay apart. Sector overlap applies the same rule to the issuers' sector labels; "behaves like N equally weighted stocks" is one over the sum of the squared weights.
Weights come from each issuer's published holdings file and are matched company by company on their ISIN. Cash, futures and currency positions are left out. This page describes what the funds hold; it is not investment advice.