etf overlap tool · little overlap
XLY vs ITOT overlap
99.9% of XLY's money sits in companies ITOT also holds; 7.8% of the two funds is the same money, spread over 47 companies both hold.
Holdings as of October 16, 2026 · source: SPDR (XLY), iShares (ITOT) · How we measured all 1,431 pairs
- same money
- same companies, extra weight
- only in this fund
Hold XLY and ITOT with other funds or stocks? The free portfolio optimizer opens XLY 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.
The companies you would own twice
What only one of them gives you
Where each fund puts its money
XLY and ITOT: what people ask
How much do XLY and ITOT overlap?
7.8% by weight, as of October 16, 2026: little overlap. 47 companies appear in both funds; they make up 99.9% of XLY and 7.8% of ITOT.
Which stocks do XLY and ITOT both hold?
The largest shared positions are AMZN, TSLA, HD, MCD and TJX. Ranked by the smaller of the two weights, which is the part you would own twice.
Is it redundant to hold both XLY and ITOT?
Out of every $100 split evenly between them, about $8 (half in each fund) buys identical positions. The rest is exposure only one of the two funds gives you: 1 names only in XLY, 2,376 only in ITOT. Half in each behaves like 30 equally weighted stocks, against 10 for XLY 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 SPDR 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.
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.