etf overlap tool · little overlap

SCHD vs ITOT overlap

99.9% of SCHD's money sits in companies ITOT also holds; 7.5% of the two funds is the same money, spread over 95 companies both hold.

Holdings as of October 13, 2026 · source: Schwab (SCHD), iShares (ITOT) · How we measured all 1,431 pairs

overlapfull holdings, by weight

7.5%of each fund is money the other holds at the same weight, across 95 shared companies.

SCHD

99.9% in ITOT

ITOT

93%

7.5% in SCHD

same money
same companies, extra weight
only in this fund

Hold SCHD and ITOT with other funds or stocks? The free portfolio optimizer opens SCHD and ITOT beside the rest of what you own: the companies you hold twice, what the funds cost a year, and where the next deposit should go. No account.

01Shared

The companies you would own twice

held by bothtop 15 of 95

companySCHDITOT

CVXCHEVRON4.29%0.60%

PGPROCTER & GAMBLE4.32%0.50%

KOCOCA-COLA4.26%0.49%

UNHUNITEDHEALTH GROUP3.94%0.49%

MRKMERCK & CO INC3.90%0.49%

HDHOME DEPOT3.85%0.42%

TXNTEXAS INSTRUMENT INC4.71%0.34%

AMGNAMGEN INC3.89%0.32%

VZVERIZON COMMUNICATIONS INC3.61%0.25%

QCOMQUALCOMM4.34%0.25%

ABTABBOTT LABORATORIES3.87%0.25%

PEPPEPSICO3.78%0.24%

COPCONOCOPHILLIPS4.27%0.24%

ACNACCENTURE PLC CLASS A3.30%0.19%

MOMOALTRIA GROUP INC3.02%0.17%

02Different

What only one of them gives you

only in SCHD5 names

PFPFBCPREFERRED BANK0.03%

GVGVMXXSSC GOVERNMENT MM GVMXX0.03%

CPCPFCENTRAL PACIFIC FINANCIAL CORP0.02%

HAHAFCHANMI FINANCIAL CORP0.02%

USUSDUS DOLLAR0.01%

only in ITOT2,328 names

NVDANVIDIA7.01%

AAPLAPPLE6.78%

MSFTMICROSOFT5.31%

AMZNAMAZON.COM INC3.32%

GOOGLALPHABET CLASS A2.70%

GOOGALPHABET CLASS C2.17%

METAMETA PLATFORMS CLASS A2.12%

AVGOBROADCOM INC2.12%

03Sectors

Where each fund puts its money

sectorsSCHD vs ITOT, share of each fund

Information Technology12.35%35.69%

Health Care18.52%10.20%

Consumer Staples20.12%4.60%

Financials8.88%12.19%

Industrials11.33%9.10%

Energy16.35%3.92%

Consumer Discretionary6.73%8.81%

Communication Services5.60%9.26%

Real Estate0.00%2.10%

Utilities0.09%2.00%

Materials0.00%1.96%

04Questions

SCHD and ITOT: what people ask

questions4 answered

How much do SCHD and ITOT overlap?

7.5% by weight, as of October 13, 2026: little overlap. 95 companies appear in both funds; they make up 99.9% of SCHD and 7.5% of ITOT.

Which stocks do SCHD and ITOT both hold?

The largest shared positions are CVX, PG, KO, UNH and MRK. Ranked by the smaller of the two weights, which is the part you would own twice.

Is it redundant to hold both SCHD and ITOT?

Out of every $100 split evenly between them, about $7 (half in each fund) buys identical positions. The rest is exposure only one of the two funds gives you: 5 names only in SCHD, 2,328 only in ITOT. Half in each behaves like 76 equally weighted stocks, against 34 for SCHD alone and 56 for ITOT alone. Whether that duplication is a problem depends on the mix you want; this is a description, not advice.

How is ETF overlap calculated here?

For every company held by both funds we take the smaller of its two weights and add them up. The weights come from the full holdings files Schwab and iShares publish, not a top-10 sample, and companies are matched by their ISIN so share classes stay apart. Sector overlap applies the same rule to the issuers' sector labels; "behaves like N equally weighted stocks" is one over the sum of the squared weights.

Hold SCHD and ITOT?Import your positions and see what your funds hold together, company by company, with the fees you pay on each.Import my portfolio

Weights come from each issuer's published holdings file and are matched company by company on their ISIN. Cash, futures and currency positions are left out. This page describes what the funds hold; it is not investment advice.