Enter two ETF tickers and see what they actually share: shared top holdings, weighted overlap, and sector-level duplication. Free, no sign-up.
ETF overlap is the share of holdings two funds have in common, weighted by how much each position counts in each fund. High overlap means the funds duplicate each other instead of diversifying you: you pay attention (and sometimes fees) twice for the same underlying stocks, and a downturn in one mega-cap or sector hits you harder than the two fund names suggest.
Overlap between popular index funds is the rule, not the exception — Vanguard's VTI and VOO share 497 holdings and overlap roughly 88% by weight, according to ETF Research Center data.
There is no single safe threshold — it depends on intent. If you hold two funds for diversification, sector overlap above roughly 60-70% means the second fund is mostly repeating the first. If you hold them deliberately as the same exposure (e.g. an S&P 500 fund in two accounts), even ~100% overlap is fine. The problem is unintentional overlap: thinking you own two different bets when you own one.
The classic example: VTI vs VOO overlap roughly 88% by weight per ETF Research Center — holding both is effectively holding one US large-cap portfolio, not two diversified funds.
Comparing two funds takes under a minute:
Type the first fund's ticker (e.g. VTI) and pick it from the search suggestions.
Type the second ticker (e.g. VOO) — US and many European UCITS ETFs are supported.
Hit Compare. We pull each fund's disclosed top holdings and full sector breakdown.
Read the three numbers together: sector overlap (full data), top-holdings overlap (lower bound), and shared positions — then check the interpretation note below them.
It is the portion of fund value invested in the same underlying positions, counting each shared position at the smaller of its two weights. 60% overlap means at least 60% of one fund's exposure is also in the other fund. We show it two ways: across disclosed top holdings (a lower bound) and across complete sector allocations.
Not necessarily — but know what you own. They overlap roughly 88% by weight, so the pair behaves like one US equity position, not two diversified holdings. Common legitimate reasons to hold both: different accounts, tax-loss-harvesting partners, or a gradual transition. The mistake is believing they diversify each other.
Public data feeds disclose only each fund's largest positions (typically the top 10), which for a broad fund like VTI covers about a third of its weight. Overlap inside that disclosed slice can be measured exactly; overlap in the undisclosed remainder can't, so the true full-portfolio figure is at least the number we show. That's also why we lead with sector overlap, which uses complete data.
Yes — tickers like VWCE, IWDA or CSPX resolve through European exchanges. Holdings data for some UCITS funds takes a few seconds to warm up on first request; if you see a loading message, retry shortly.
Holdings overlap matches individual positions (NVDA in fund A vs NVDA in fund B). Sector overlap matches allocation buckets (Technology vs Technology). Two funds can share zero top holdings yet overlap 70% by sector — a dividend fund and an S&P 500 fund, for instance — which still means correlated behaviour in a sector-driven selloff.
This page compares exactly two funds head-to-head. The free portfolio analyzer takes your entire holding list at once and computes combined look-through exposure, concentration warnings, risk metrics and projections across everything you own.
This tool is for education, not investment advice. Holdings and sector data come from public market-data feeds, reflect each fund's most recently disclosed top positions, and can lag the fund's actual portfolio. Overlap computed from disclosed top holdings is a lower bound. Always verify against the fund provider's official holdings file before making decisions.
Connect your full holding list in the free planner: combined look-through exposure, net worth tracking, and your path to financial independence — no spreadsheet required.
Get Started FreeBudget, net worth, portfolio and your FIRE plan — all in one free dashboard.
Calculate your path to financial independence with Coast FIRE, Barista FIRE, and custom withdrawal strategies.
Try the FIRE CalculatorFind the amount you need today so compound interest carries you to FIRE — no more contributions needed.
Find your Coast FIRE numberFind the portfolio size that lets you downshift to part-time work, with healthcare bridge costs built in.
Try Free Barista FIRE CalculatorSee exactly how compounding grows your money. Side-by-side scenarios, expense-ratio drag, and real (inflation-adjusted) returns built in.
Open the calculatorAnalyze ETF holdings, sector exposure, run Monte Carlo simulations, and stress test your portfolio against historical crises.
Try Free Portfolio AnalyzerFind your net worth percentile vs your age group and country.
Find your percentileCompare two mortgages side-by-side and see how extra payments shave years off your loan.
Open the calculatorShould you pay off the mortgage early or invest the spare cash? Compare three strategies side-by-side in today's money.
Compare strategies free