VTI vs XLY: how much do they overlap?
Vanguard Total Stock Market ETF (VTI) · Consumer Discretionary Select Sector SPDR ETF (XLY)
overlap by weight · 46 shared holdings
VTI: 3503 holdings (as of 2026-03-31) · XLY: 47 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 XLY 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 XLY |
|---|---|---|---|
| Amazon.com Inc | AMZN | 3.21% | 23.12% |
| Tesla Inc | TSLA | 1.67% | 19.05% |
| Home Depot Inc/The | HD | 0.52% | 5.62% |
| McDonald's Corp | MCD | 0.35% | 4.26% |
| TJX Cos Inc/The | TJX | 0.28% | 3.92% |
| Booking Holdings Inc | BKNG | 0.21% | 3.4% |
| Lowe's Cos Inc | LOW | 0.21% | 2.98% |
| Starbucks Corp | SBUX | 0.16% | 3.03% |
| O'Reilly Automotive Inc | ORLY | 0.12% | 1.76% |
| Ross Stores Inc | ROST | 0.11% | 1.77% |
FAQ
How much do VTI and XLY overlap?
VTI and XLY have a 8.7% overlap by weight, sharing 46 holdings (out of 3503 in VTI and 47 in XLY), based on official issuer holdings as of 2026-03-31.
What does 8.7% overlap mean?
VTI and XLY hold mostly different stocks. Combining them genuinely spreads your exposure across different parts of the market.
Which stocks do VTI and XLY both hold?
The largest shared positions are Amazon.com Inc, Tesla Inc, Home Depot Inc/The, McDonald's Corp, TJX Cos Inc/The. The full list of top shared holdings with weights in each fund is shown on this page.