Guardfolio Research · ETF Overlap
SCHD vs VTI Overlap: 0.0% of Weight in Shared Holdings
SCHD (Schwab US Dividend Equity) and VTI (Vanguard Total Stock Market) share none of their top-10 holdings. With 61.0% sector overlap, this is one of the more complementary pairs — holding both adds real breadth instead of doubling down on the same names.
Overlap Summary
Bottom line
SCHD and VTI share no top-10 holdings (61.0% sector overlap). They are complementary exposures — a dividend fund paired with a total US market fund — and combining them genuinely broadens a portfolio rather than concentrating it..
The Data
Exactly which stocks SCHD and VTI share
The table below shows every holding that appears in both funds' top 10, with each fund's weight and the shared (minimum) weight that counts toward overlap.
Weights are approximate, based on the most recent quarterly holdings. The 0.0% figure is the sum of the lesser of each fund's weight per shared holding (the conservative top-10 method).
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Sector Picture
SCHD vs VTI: sector exposure side by side
Two funds can share few holdings yet still concentrate the same sectors. Here is how the top sectors compare (61.0% combined sector overlap).
| Sector | SCHD | VTI |
|---|---|---|
| Industrials | 11.7% | 9.8% |
| Healthcare | 15.9% | 9.6% |
| Financial Services | 9.2% | 13.0% |
| Consumer Discretionary | 8.5% | 10.4% |
| Technology | 8.5% | 30.9% |
| Consumer Staples | 19.4% | 5.2% |
The Verdict
Should you hold both SCHD and VTI?
SCHD and VTI share no top-10 holdings (61.0% sector overlap). They are complementary exposures — a dividend fund paired with a total US market fund — and combining them genuinely broadens a portfolio rather than concentrating it.
FAQ
SCHD vs VTI overlap: common questions
How much do SCHD and VTI overlap?
SCHD (Schwab US Dividend Equity) and VTI (Vanguard Total Stock Market) overlap by approximately 0.0% of weight based on their top-10 holdings, with 61.0% sector overlap. They share 0 top-10 holdings: no top-10 holdings.
What stocks do SCHD and VTI both hold?
SCHD and VTI share none of their top-10 holdings, which is why their overlap is effectively 0% at the top of each fund.
Is it worth holding both SCHD and VTI?
SCHD and VTI share no top-10 holdings (61.0% sector overlap). They are complementary exposures — a dividend fund paired with a total US market fund — and combining them genuinely broadens a portfolio rather than concentrating it.
What is the difference between SCHD and VTI?
SCHD is a dividend fund (US Dividend, 0.06% expense ratio) and VTI is a total US market fund (US Total Market, 0.03% expense ratio). SCHD's top 10 is 43.5% of the fund; VTI's is 33.8%.
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