VTI vs XRT: Holdings Overlap
VTIVanguard Total Stock Market Index Fund
Vanguard · 3505 holdings · $696.4B · as of 2026-03-31
XRTState Street® SPDR® S&P® Retail ETF
State Street (SPDR) · 75 holdings · $485M · as of 2026-08-06
Holdings snapshots are 128 days apart (VTI: 2026-03-31, XRT: 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 XRT?
Vanguard Total Stock Market Index Fund (VTI, by Vanguard) holds 3505 positions; State Street® SPDR® S&P® Retail ETF (XRT, by State Street (SPDR)) holds 75. They have 74 holdings in common, and by portfolio weight the two funds are 4.5% identical. In practical terms the pair is essentially distinct, holding almost none of the same securities.
- Overlap by Weight
- 4.5%Sum of the smaller weight of each shared holding
- Shared Holdings
- 74VTI holds 3505 · XRT holds 75
- Weight in Shared Holdings
- VTI 6%·XRT 99%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
3431 of 3505 positions (93.4% of the fund) are not held by XRT. Showing the top 30 by weight.
Sector Breakdown
| Sector | VTI | XRT |
|---|---|---|
| Consumer Discretionary | 9.8% | 79.2% |
| Information Technology | 30.5% | 0.0% |
| Consumer Staples | 5.0% | 19.8% |
| Financials | 12.7% | 0.0% |
| Industrials | 10.4% | 0.0% |
| Other Sectors | 31.0% | 0.0% |
| Unclassified | 0.3% | 0.9% |
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. “Unclassified” is weight we could not classify (0% of VTI, 1% of XRT).
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% |
| XRT | +4.2% | +7.0% | +12.7% | +12.1% | +0.7% | +8.9% | 0.74% |
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 XRT →
Shared Holdings(74)
The top 10 shared positions account for 86% of the overlap, led by AMZN, WMT and COST.
 AMZNAmazon.com, Inc. COM | 3.21% | 1.51% | 1.51% |
|---|---|---|---|
 WMTWalmart Inc COM | 0.87% | 1.23% | 0.87% |
 COSTCostco Wholesale Corporation COM | 0.71% | 1.27% | 0.71% |
 TJXThe TJX Companies Inc. COM | 0.28% | 1.27% | 0.28% |
 ORLYO'Reilly Automotive Inc. COM | 0.12% | 1.36% | 0.12% |
 ROSTRoss Stores Inc COM | 0.11% | 1.45% | 0.11% |
 AZOAutozone, Inc. COM | 0.09% | 1.30% | 0.09% |
 TGTTarget Corp. COM | 0.09% | 1.51% | 0.09% |
 CVNACarvana Co., Class A | 0.07% | 1.34% | 0.07% |
 KRThe Kroger Co. COM | 0.07% | 1.17% | 0.07% |
 EBAYeBay Inc. COM | 0.07% | 1.36% | 0.07% |
 CASYCasey'S General Stores Inc. COM | 0.04% | 1.20% | 0.04% |
 DGDollar General Corporation COM | 0.04% | 1.53% | 0.04% |
 TSCOTractor Supply Co COM | 0.04% | 1.46% | 0.04% |
 ULTAUlta Beauty Inc COM | 0.04% | 1.51% | 0.04% |
 DLTRDollar Tree Inc COM | 0.03% | 1.55% | 0.03% |
 BURLBurlington Stores Inc. COM | 0.03% | 1.50% | 0.03% |
 BJBJ's Wholesale Club Holdings, Inc. | 0.02% | 1.39% | 0.02% |
 BBYBest Buy Co Inc. COM | 0.02% | 1.39% | 0.02% |
 FIVEFive Below Inc COM | 0.02% | 1.56% | 0.02% |
 DKSDick's Sporting Goods, Inc. COM | 0.02% | 1.22% | 0.02% |
 GMEGameStop Corp., Class A | 0.01% | 1.13% | 0.01% |
 MUSAMurphy USA Inc. COM | 0.01% | 1.16% | 0.01% |
 SFMSprouts Farmers Markets Inc COM | 0.01% | 1.32% | 0.01% |
 CHWYChewy, Inc., Class A | 0.01% | 1.55% | 0.01% |
Frequently Asked Questions
How much do VTI and XRT overlap?
VTI and XRT overlap by 4.5% of portfolio weight. They share 74 holdings (VTI holds 3505 positions and XRT holds 75), based on each fund's latest SEC-reported holdings.
Is it redundant to own both VTI and XRT?
The two portfolios are 4.5% identical by weight. Owning both is genuine diversification: the funds hold almost none of the same securities.
What are the biggest shared holdings of VTI and XRT?
The largest positions held by both funds are AMZN, WMT, COST, TJX and ORLY. Together the top 10 shared positions account for 86% of the total overlap.
What does VTI own that XRT doesn't?
3431 positions (93.4% of VTI) are unique to VTI, led by NVDA, AAPL and MSFT. In the other direction, 1 positions (1.4% of XRT) are unique to XRT.