AGG vs VTI vs VXUS: 3.0 Effective Funds
Held in equal weight, AGG, VTI, VXUS behave like 3.0 genuinely separate funds — they hold almost nothing in common. Every figure below is computed from the funds' current published holdings.
Three tickers, and the diversification of 3.0. Three funds sharing nothing would score 3.0; three identical funds score 1.0.
How the three compare
Where the duplication is
The combined figure above hides which pair is responsible. Each row is the overlap between two of the three, computed as Σ min(wA, wB).
| Pair | Overlap | |
|---|---|---|
| AGG vs VTI | 0.6% | |
| AGG vs VXUS | 2.4% | |
| VTI vs VXUS | 2.0% |
The most duplicated pair is AGG and VXUS at 2.4%.
Held by all three
The positions that appear in AGG, VTI, VXUS together — 0.6% of a portfolio split equally between them, by the same min-sum rule.
| Holding | Smallest of the three weights |
|---|---|
| CASH | 0.63% |
Frequently asked
How much do AGG, VTI, VXUS overlap?
Held in equal weight, AGG, VTI, VXUS behave like 3.0 genuinely separate funds — they hold almost nothing in common. AGG and VTI overlap 0.6%; AGG and VXUS overlap 2.4%; VTI and VXUS overlap 2.0%. Each figure is the sum of the smaller weight in each fund over every holding both own.
Which two of AGG, VTI, VXUS are most alike?
AGG and VXUS, at 2.4% by weight. That pair contributes most of the duplication in the combined figure above.
What does "3.0 Effective Funds" mean?
It is the number of genuinely independent funds this combination behaves like. Three funds sharing no holdings would score 3.0; three identical funds score 1.0. It is computed from the pairwise overlaps above, weighting each fund equally, and it is a measurement rather than a target — what counts as enough depends on what you were trying to do.
These are three funds. How many do you actually hold?
This page assumes an equal split between AGG, VTI, VXUS. Paste your real holdings — every account, in the proportions you actually own them — for your own Effective Funds number, the companies underneath, and what else is duplicated. Free, no account, nothing stored.
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Sources: issuer holdings files, AGG as of 2026-07-23, VTI as of 2026-06-30, VXUS as of 2026-06-30. Weights are fractions of each fund. Diagnostics, not advice.