VTI vs XLF: Holdings Overlap
VTIVanguard Total Stock Market Index Fund
Vanguard · 3505 holdings · $696.4B · as of 2026-03-31
XLFState Street® Financial Select Sector SPDR® ETF
State Street (SPDR) · 77 holdings · $59.1B · as of 2026-08-06
Holdings snapshots are 128 days apart (VTI: 2026-03-31, XLF: 2026-08-06). Weights and index membership change between snapshots, so the true current overlap is typically higher than shown. For funds tracking the same index, the gap can be 5–15 points.
How similar are VTI and XLF?
Vanguard Total Stock Market Index Fund (VTI, by Vanguard) holds 3505 positions; State Street® Financial Select Sector SPDR® ETF (XLF, by State Street (SPDR)) holds 77. They have 76 holdings in common, and by portfolio weight the two funds are 10.9% identical. In practical terms the pair is lightly overlapping, with most of each portfolio distinct.
- Overlap by Weight
- 10.9%Sum of the smaller weight of each shared holding
- Shared Holdings
- 76VTI holds 3505 · XLF holds 77
- Weight in Shared Holdings
- VTI 11%·XLF 100%Share of each fund's weight in stocks both funds own
Based on each fund's latest official holdings. How is this calculated?
What makes each fund different
Only in VTI
3429 of 3505 positions (88.7% of the fund) are not held by XLF. Showing the top 30 by weight.
Sector Breakdown
| Sector | VTI | XLF |
|---|---|---|
| Financials | 12.7% | 99.8% |
| Information Technology | 30.5% | 0.0% |
| Industrials | 10.4% | 0.0% |
| Health Care | 10.0% | 0.0% |
| Consumer Discretionary | 9.8% | 0.0% |
| Other Sectors | 26.0% | 0.0% |
Share of each fund's portfolio weight by GICS-style sector, compiled from issuer fund data and our own classification of the holdings, not the issuers' published sector charts.
Performance
| Fund | 1M | YTD | 1Y | 3Y (ann.) | 5Y (ann.) | 10Y (ann.) | Yield |
|---|---|---|---|---|---|---|---|
| VTI | +3.3% | +14.6% | +24.2% | +20.9% | +12.3% | +14.9% | 1.02% |
| XLF | +2.8% | +6.1% | +13.9% | +19.5% | +10.7% | +13.5% | 1.40% |
Total returns including dividends, from adjusted daily closes as of 2026-08-07. 3Y/5Y/10Y are annualized. Yield is trailing-12-month distributions over the last close. Past performance does not predict future results.
Project the growth of $10,000 in VTI vs XLF →
Shared Holdings(76)
The top 10 shared positions account for 56% of the overlap, led by BRK-B, JPM and V.
 BRK-BBerkshire Hathaway, Inc., Class B | 1.37% | 11.78% | 1.37% |
|---|---|---|---|
 JPMJPMorgan Chase & Co. COM | 1.19% | 11.69% | 1.19% |
 VVisa, Inc., Class A | 0.79% | 7.53% | 0.79% |
 MAMasterCard Incorporated CL A | 0.63% | 5.69% | 0.63% |
 BACBank of America Corp. COM | 0.48% | 5.04% | 0.48% |
 WFCWells Fargo & Co. COM | 0.39% | 3.26% | 0.39% |
 GSGoldman Sachs Group, Inc. (The) | 0.38% | 3.73% | 0.38% |
 MSMorgan Stanley COM NEW | 0.31% | 3.14% | 0.31% |
 CCitigroup Inc. COM NEW | 0.31% | 2.80% | 0.31% |
 SCHWThe Charles Schwab Corporation COM | 0.25% | 2.16% | 0.25% |
 AXPAmerican Express Company COM | 0.23% | 2.23% | 0.23% |
 BLKBlackrock Inc. COM | 0.21% | 2.00% | 0.21% |
 SPGIS&P Global Inc COM | 0.20% | 1.50% | 0.20% |
 PGRThe Progressive Corporation COM | 0.19% | 1.54% | 0.19% |
 AEXChubb Ltd. Switzerland ORD CHF24.15 | 0.18% | 1.56% | 0.18% |
 COFCapital One Financial Corp. COM | 0.18% | 1.68% | 0.18% |
 CMECME Group, Inc., Class A | 0.17% | 1.17% | 0.17% |
 ICEIntercontinental Exchange Inc COM | 0.14% | 1.04% | 0.14% |
 BXBlackstone Inc., Class A | 0.14% | 1.21% | 0.14% |
 MRSHMarsh & McLennan Companies, Inc. COM | 0.13% | 1.14% | 0.13% |
 PNCPNC Financial Services Group, Inc. (The) | 0.13% | 1.24% | 0.13% |
 BNYThe Bank of New York Mellon Corp. COM | 0.13% | 1.33% | 0.13% |
 USBU.S. Bancorp. COM NEW | 0.13% | 1.21% | 0.13% |
 AONAon plc, Class A | 0.10% | 0.94% | 0.10% |
 MCOMoodys Corp. COM | 0.10% | 0.87% | 0.10% |
Frequently Asked Questions
How much do VTI and XLF overlap?
VTI and XLF overlap by 10.9% of portfolio weight. They share 76 holdings (VTI holds 3505 positions and XLF holds 77), based on each fund's latest SEC-reported holdings.
Is it redundant to own both VTI and XLF?
The two portfolios are 10.9% identical by weight. Owning both is not redundant. Most of each portfolio is distinct, so the funds can serve different roles.
What are the biggest shared holdings of VTI and XLF?
The largest positions held by both funds are BRK-B, JPM, V, MA and BAC. Together the top 10 shared positions account for 56% of the total overlap.
What does VTI own that XLF doesn't?
3429 positions (88.7% of VTI) are unique to VTI, led by NVDA, AAPL and MSFT. In the other direction, 1 positions (0.0% of XLF) are unique to XLF.