AGTHX vs XLF: 5% overlap
American Funds Growth Fund of America A and Financial Select Sector SPDR Fund share 5.2% of their portfolios by weight — computed as Σ min(wA, wB) over every holding both funds own.
Different holding dates. These holdings were published about 5 months apart — AGTHX as of 2026-02-28, the rest through 2026-07-23. Each fund is compared using its most recent file, so any trading in between shows up as a difference.
You would hold two tickers and get the diversification of 1.9. Two funds that shared nothing would score 2.0; two identical funds score 1.0.
Top shared holdings
AGTHX and XLF hold 23 of the same securities. The ten contributing most to the overlap figure:
| Holding | in AGTHX | in XLF | Δ |
|---|---|---|---|
| MA | 0.9% | 5.4% | 4.5% |
| V | 0.8% | 7.4% | 6.6% |
| PGR | 0.4% | 1.5% | 1.2% |
| BAC | 0.3% | 5.1% | 4.7% |
| KKR | 0.3% | 0.8% | 0.5% |
| COF | 0.3% | 1.6% | 1.3% |
| GS | 0.3% | 4.0% | 3.7% |
| XYZ | 0.2% | 0.5% | 0.3% |
| WFC | 0.2% | 3.3% | 3.1% |
| APO | 0.2% | 0.7% | 0.5% |
Where AGTHX and XLF differ
Sector weights as a share of each fund, ordered by the size of the gap rather than the size of the sector — two funds that overlap heavily still usually diverge somewhere.
| Sector | AGTHX | XLF | Δ |
|---|---|---|---|
| Financials | 6.5% | 99.9% | −93.3pp |
| Information Technology | 30.6% | 0.0% | +30.6pp |
| Communication Services | 13.2% | 0.0% | +13.2pp |
| Consumer Discretionary | 12.7% | 0.0% | +12.7pp |
| Health Care | 11.0% | 0.0% | +11.0pp |
| Industrials | 9.8% | 0.0% | +9.8pp |
| Unclassified | 7.6% | 0.0% | +7.6pp |
| Consumer Staples | 2.4% | 0.0% | +2.4pp |
Δ is AGTHX minus XLF, in percentage points. Sector data is not published by every issuer, so “Unclassified” is a real category rather than a gap in the table.
What each fund holds alone
93.6% of AGTHX by weight, held in no part of XLF.
34.7% of XLF by weight, held in no part of AGTHX.
A large count with a small weight is the usual shape: the positions one fund adds are typically its smallest ones.
Concentration and cost
| AGTHX | XLF | |
|---|---|---|
| Top 10 holdings | 36.7% | 57.0% |
| Positions held | 309 | 78 |
| Cost per $10,000 held, per year | $61 | $8 |
Cost is the expense ratio applied to $10,000; it excludes any brokerage commission, bid-ask spread or tax consequence. Figures are facts about the funds, not a suggestion about which to hold.
Frequently asked
How much do AGTHX and XLF overlap?
AGTHX and XLF overlap 5.2% by portfolio weight — largely distinct portfolios. They share 23 holdings. The figure comes from current issuer holdings files (AGTHX as of 2026-02-28, XLF as of 2026-07-23).
How is the overlap between AGTHX and XLF calculated?
As the sum of the smaller weight in each fund, over every holding both funds own: Σ min(wA, wB). If AGTHX holds a stock at 6% and XLF holds the same stock at 4%, 4% counts as shared. The result is bounded between 0% and 100%, and it is computed after looking through any fund-of-funds to the underlying holdings.
Is it redundant to hold both AGTHX and XLF?
That depends on your goals — we state facts, not advice. At 5.2% overlap, each fund still contributes meaningfully distinct exposure.
What does AGTHX own that XLF doesn't?
AGTHX holds 309 positions and XLF holds 78; 285 of AGTHX's positions don't appear in XLF at all, and they are 93.6% of AGTHX by weight.
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Related comparisons
Sources: issuer holdings files, AGTHX as of 2026-02-28, XLF as of 2026-07-23. Weights are fractions of each fund. Diagnostics, not advice.