Guardfolio Research · ETF Overlap
VIG vs ITOT Overlap: 10.9% of Weight in Shared Holdings
VIG (Vanguard Dividend Appreciation) and ITOT (iShares Core S&P Total US Stock Market) overlap by 10.9% of weight through 3 shared top-10 holdings — including AAPL, MSFT, AVGO. Here is exactly which stocks duplicate, the sector picture, and whether holding both concentrates or diversifies your portfolio.
Overlap Summary
Bottom line
VIG and ITOT have moderate, manageable overlap — about 10.9% of top-10 weight across 3 shared names. There is some double-up on the largest holdings, but the funds still pull in meaningfully different directions..
The Data
Exactly which stocks VIG and ITOT 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.
| Holding | VIG weight | ITOT weight | Shared (min) |
|---|---|---|---|
| Apple Inc. (AAPL) | 4.05% | 6.04% | 4.05% |
| Microsoft Corp. (MSFT) | 3.95% | 4.20% | 3.95% |
| Broadcom Inc. (AVGO) | 5.16% | 2.88% | 2.88% |
| Total shared top-10 weight | 13.2% | 13.1% | 10.9% |
Weights are approximate, based on the most recent quarterly holdings. The 10.9% 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
VIG vs ITOT: sector exposure side by side
Two funds can share few holdings yet still concentrate the same sectors. Here is how the top sectors compare (76.0% combined sector overlap).
| Sector | VIG | ITOT |
|---|---|---|
| Technology | 26.5% | 32.2% |
| Financial Services | 22.5% | 12.8% |
| Industrials | 11.5% | 9.6% |
| Healthcare | 14.5% | 9.1% |
| Consumer Discretionary | 5.3% | 10.5% |
| Consumer Staples | 10.1% | 5.0% |
The Verdict
Should you hold both VIG and ITOT?
VIG and ITOT have moderate, manageable overlap — about 10.9% of top-10 weight across 3 shared names. There is some double-up on the largest holdings, but the funds still pull in meaningfully different directions.
FAQ
VIG vs ITOT overlap: common questions
How much do VIG and ITOT overlap?
VIG (Vanguard Dividend Appreciation) and ITOT (iShares Core S&P Total US Stock Market) overlap by approximately 10.9% of weight based on their top-10 holdings, with 76.0% sector overlap. They share 3 top-10 holdings: AAPL, MSFT, AVGO.
What stocks do VIG and ITOT both hold?
Both VIG and ITOT hold Apple Inc (AAPL), Microsoft Corp (MSFT), Broadcom Inc (AVGO) among their top positions. These shared names account for the 10.9% weight overlap.
Is it worth holding both VIG and ITOT?
VIG and ITOT have moderate, manageable overlap — about 10.9% of top-10 weight across 3 shared names. There is some double-up on the largest holdings, but the funds still pull in meaningfully different directions.
What is the difference between VIG and ITOT?
VIG is a dividend fund (US Dividend, 0.05% expense ratio) and ITOT is a total US market fund (US Total Market, 0.03% expense ratio). VIG's top 10 is 32.4% of the fund; ITOT's is 35.2%.
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