VYM vs XLF: how much do they overlap?
Vanguard High Dividend Yield ETF (VYM) · Financial Select Sector SPDR ETF (XLF)
overlap by weight · 51 shared holdings
VYM: 608 holdings (as of 2026-04-30) · 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
VYM 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 VYM | in XLF |
|---|---|---|---|
| JPMorgan Chase & Co | JPM | 3.34% | 11.45% |
| Bank of America Corp | BAC | 1.44% | 4.93% |
| Goldman Sachs Group Inc/The | GS | 1.07% | 3.97% |
| Wells Fargo & Co | WFC | 1.06% | 3.39% |
| Morgan Stanley | MS | 0.9% | 3.39% |
| Citigroup Inc | C | 0.88% | 3.03% |
| BlackRock Funding Inc/DE | BLK | 0.68% | 1.87% |
| Chubb Ltd | CB | 0.5% | 1.6% |
| Progressive Corp/The | PGR | 0.49% | 1.71% |
| Capital One Financial Corp | COF | 0.49% | 1.59% |
FAQ
How much do VYM and XLF overlap?
VYM and XLF have a 17.7% overlap by weight, sharing 51 holdings (out of 608 in VYM and 77 in XLF), based on official issuer holdings as of 2026-04-30.
What does 17.7% overlap mean?
VYM and XLF hold mostly different stocks. Combining them genuinely spreads your exposure across different parts of the market.
Which stocks do VYM and XLF both hold?
The largest shared positions are JPMorgan Chase & Co, Bank of America Corp, Goldman Sachs Group Inc/The, Wells Fargo & Co, Morgan Stanley. The full list of top shared holdings with weights in each fund is shown on this page.