VTI vs ITOT overlap: how much of them is the same

Measured over 22 years of daily prices: these two behave as one holding written twice.

Measured on 2026-09-17

At least 34% of the money lands in the same companies, and essentially all of the movement travels in one shared direction.

The companies both of them hold

Company	Share of a half-and-half mix	Through
NVDA	7.0%	ITOT 3.6% · VTI 3.4%
AAPL	6.3%	VTI 3.2% · ITOT 3.1%
MSFT	5.1%	VTI 2.6% · ITOT 2.5%
GOOGL	4.8%	VTI 2.4% · ITOT 2.4%
AMZN	3.4%	ITOT 1.7% · VTI 1.7%
AVGO	2.4%	VTI 1.2% · ITOT 1.2%
META	1.7%	VTI 0.9% · ITOT 0.8%
MU	1.5%	VTI 0.7% · ITOT 0.7%

A fund publishes only its largest positions, so this measurement reaches 34% of the money. The share above is what is shared within that part: it is a floor, never the total overlap.

The worst falls on record

Holding	Worst fall	Volatility
VTI	55%	19%
ITOT	55%	19%
Both, half and half	55%	19%

Measured on the same window for all three rows, so they can be read against each other. A fall is peak to trough on daily closes.

Where the risk sits in a half-and-half mix

Holding	Money	Risk	Ratio
VTI	50%	50%	1.00
ITOT	50%	50%	1.00

The reading, in full

PORTFOLIO: VTI + ITOT
2004-01-23 to 2026-09-17 · 5,698 trading days · USD

2 holdings.
Essentially all of it is one shared direction, led by VTI, ITOT.

VTI carries 50% of the risk on its own.
Volatility 19% · worst fall on record 55%.
Risk 19% → 13% over the last year, mostly because the holdings themselves got quieter.

Descriptive. No forecast, no advice. Every figure above is measured over the window named at the top.
riskcopilot.app

What this does not say

Every figure is measured on past daily prices over the window below. It is not a forecast of returns or losses.
The window starts when the younger fund began trading, so older crises may lie outside it.
The overlap is measured through published holdings only, and is a floor: the real figure is at least this, and cannot be smaller.
Which of two funds to hold depends on things not measured here — what you already own, costs at your broker, and your own tax position.

Measure it with what you actually hold

Change the split, add the rest of your portfolio, see what the pair does inside it: same engine, nothing saved on our side.

Measure this pair Open the app

Other pairs

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Measured 2004-01-23 to 2026-09-17 over 5,698 trading days, in USD, from yahoo prices. Descriptive: this page reports what these two funds have done and how much of them is the same holding. It does not forecast returns or losses, it does not say which to hold, and it is not advice. How every figure is measured. Terms and privacy: /terms. If a figure looks wrong: [email protected].