VTI vs XLF: how much do they overlap?
Vanguard Total Stock Market ETF (VTI) · Financial Select Sector SPDR ETF (XLF)
overlap by weight · 76 shared holdings
VTI: 3503 holdings (as of 2026-03-31) · XLF: 77 holdings (as of 09-Jul-2026)
Note: the two funds' latest official filings have different dates, which can understate overlap slightly for funds tracking similar indexes.
Low overlap
What this means
VTI and XLF hold mostly different stocks. Combining them genuinely spreads your exposure across different parts of the market.
Overlap by weight sums the smaller of the two funds' weights for every stock they both hold — it answers "how much of my money is in the same stocks either way?" See methodology.
Top shared holdings
| Company | Ticker | in VTI | in XLF |
|---|---|---|---|
| Berkshire Hathaway Inc | BRK.B | 1.37% | 11.57% |
| JPMorgan Chase & Co | JPM | 1.19% | 11.45% |
| Visa Inc | V | 0.79% | 7.36% |
| Mastercard Inc | MA | 0.63% | 5.38% |
| Bank of America Corp | BAC | 0.48% | 4.93% |
| Wells Fargo & Co | WFC | 0.39% | 3.39% |
| Goldman Sachs Group Inc/The | GS | 0.38% | 3.97% |
| Morgan Stanley | MS | 0.31% | 3.39% |
| Citigroup Inc | C | 0.31% | 3.03% |
| Charles Schwab Corp/The | SCHW | 0.25% | 2.12% |
FAQ
How much do VTI and XLF overlap?
VTI and XLF have a 10.9% overlap by weight, sharing 76 holdings (out of 3503 in VTI and 77 in XLF), based on official issuer holdings as of 2026-03-31.
What does 10.9% overlap mean?
VTI and XLF hold mostly different stocks. Combining them genuinely spreads your exposure across different parts of the market.
Which stocks do VTI and XLF both hold?
The largest shared positions are Berkshire Hathaway Inc, JPMorgan Chase & Co, Visa Inc, Mastercard Inc, Bank of America Corp. The full list of top shared holdings with weights in each fund is shown on this page.