etf overlap tool · little overlap
VTI vs XLY overlap
99.9% of XLY's money sits in companies VTI also holds; 7.7% of the two funds is the same money, spread over 47 companies both hold.
Holdings as of September 30, 2026 · source: Vanguard (VTI), SPDR (XLY) · How we measured all 1,431 pairs
- same money
- same companies, extra weight
- only in this fund
Hold VTI and XLY with other funds or stocks? The free portfolio optimizer opens VTI and XLY 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
What only one of them gives you
NVDANVIDIA Corp7.13%
AAPLApple Inc6.63%
MSFTMicrosoft Corp5.19%
GOOGLAlphabet Inc2.76%
AVGOBroadcom Inc2.28%
GOOGAlphabet Inc2.18%
Where each fund puts its money
VTI and XLY: what people ask
How much do VTI and XLY overlap?
7.7% by weight, as of September 30, 2026: little overlap. 47 companies appear in both funds; they make up 7.7% of VTI and 99.9% of XLY.
Which stocks do VTI and XLY both hold?
The largest shared positions are AMZN, TSLA, HD, MCD and TJX. Ranked by the smaller of the two weights, which is the part you would own twice.
Is it redundant to hold both VTI and XLY?
Out of every $100 split evenly between them, about $8 (half in each fund) buys identical positions. The rest is exposure only one of the two funds gives you: 3,469 names only in VTI, 1 only in XLY. Half in each behaves like 30 equally weighted stocks, against 55 for VTI alone and 10 for XLY 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 Vanguard and SPDR 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.